![[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>assghnd.info</title> <atom:link href="http://assghnd.info/feed" rel="self" type="application/rss+xml" /> <link>https://assghnd.info</link> <description></description> <lastBuildDate>Thu, 05 Oct 2023 07:30:52 +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>High School Drinking Problems – Avoiding Trouble and Issues</title> <link>https://assghnd.info/high-school-drinking-problems-avoiding-trouble-and-issues.html</link> <comments>https://assghnd.info/high-school-drinking-problems-avoiding-trouble-and-issues.html#comments</comments> <pubDate>Fri, 19 May 2023 16:20:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Law and Issues]]></category> <guid isPermaLink="false">http://assghnd.info/?p=60</guid> <description><![CDATA[Most of us can remember how difficult and demanding high school was. In addition to the usual problems of trying to fit in, coping with schoolwork, sports pressures, homework and keeping up grades, many of today’s students also have the … <a href="https://assghnd.info/high-school-drinking-problems-avoiding-trouble-and-issues.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<div id="article-content"><p>Most of us can remember how difficult and demanding high school was. In addition to the usual problems of trying to fit in, coping with schoolwork, sports pressures, homework and keeping up grades, many of today’s students also have the temptation of alcohol and its associated problems. This means either the effects of taking substances or trying to avoid peer pressure to drink.</p><p>Teen drinking statistics are startling – over seventy percent of high school students have drunk alcohol at some point; around 25 percent have even tried binge drinking, generally defined as five or more drinks. Perhaps even more frightening is that over twenty eight percent of high school students have been the passenger in a car driven by a drunk student driver.</p><p>Why do high school students drink? Many teenagers drink to fit in, to be seen as popular or cool. It is all too easy to submit to peer pressure when you are at school, whether it is drinking, smoking or getting in trouble. Alcohol is often widely available and taken for granted at many parties; along with nicotine, marijuana and various other drugs. Some students drink because one or both parents have a drinking problem and there are underlying family issues.</p><p>Unfortunately, the results of high school drinking can be devastating, sometimes fatal. Most teenagers simply cannot handle drinking alcohol and can quickly become aggressive,impulsive, moody or depressed. Most teens aren’t skillful or experienced drivers to begin with; alcohol can make their driving even worse and endanger both themselves and their passenger. One’s ability to judge perspective is impaired and mistakes can be made. The sooner a person starts to drink alcohol, the earlier they may develop liver trouble and other serious health problems.</p><p>Alcohol consumption can adversely affect a student’s course work and ultimately their end of year grades; even their ability to attend university. What isn’t as widely realized is that excessive or even occasional alcohol consumption can also affect a student’s athletic ability; in fact it is estimated that a single night of drinking can undo two weeks of training. This isn’t realized by a lot of kids and most feel invincible.</p><p>If you are a parent or teacher reading this, the best thing that you can do is to educate your student on the dangers of underage drinking. Of course, getting in trouble with the law is another area of concern that can result in probation or drug court. If you are a high school student reading this and thinking of drinking, don’t allow yourself to give in to peer pressure – it just isn’t worth it.</p></p></div><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://assghnd.info/high-school-drinking-problems-avoiding-trouble-and-issues.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>10 Things Every Buyer Needs – To Close A Commercial Real Estate Loan</title> <link>https://assghnd.info/10-things-every-buyer-needs-to-close-a-commercial-real-estate-loan.html</link> <comments>https://assghnd.info/10-things-every-buyer-needs-to-close-a-commercial-real-estate-loan.html#comments</comments> <pubDate>Tue, 09 May 2023 19:09:09 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Real Estate]]></category> <guid isPermaLink="false">http://assghnd.info/?p=58</guid> <description><![CDATA[For nearly 30 years, I have represented borrowers and lenders in commercial real estate transactions. During this time it has become apparent that many Buyers do not have a clear understanding of what is required to document a commercial real … <a href="https://assghnd.info/10-things-every-buyer-needs-to-close-a-commercial-real-estate-loan.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> For nearly 30 years, I have represented borrowers and lenders in commercial real estate transactions. During this time it has become apparent that many Buyers do not have a clear understanding of what is required to document a commercial real estate loan. Unless the basics are understood, the likelihood of success in closing a commercial real estate transaction is greatly reduced.Throughout the process of negotiating the sale contract, all parties must keep their eye on what the Buyer’s lender will reasonably require as a condition to financing the purchase. This may not be what the parties want to focus on, but if this aspect of the transaction is ignored, the deal may not close at all.Sellers and their agents often express the attitude that the Buyer’s financing is the Buyer’s problem, not theirs. Perhaps, but facilitating Buyer’s financing should certainly be of interest to Sellers. How many sale transactions will close if the Buyer cannot get financing?This is not to suggest that Sellers should intrude upon the relationship between the Buyer and its lender, or become actively involved in obtaining Buyer’s financing. It does mean, however, that the Seller should understand what information concerning the property the Buyer will need to produce to its lender to obtain financing, and that Seller should be prepared to fully cooperate with the Buyer in all reasonable respects to produce that information.Basic Lending CriteriaLenders actively involved in making loans secured by commercial real estate typically have the same or similar documentation requirements. Unless these requirements can be satisfied, the loan will not be funded. If the loan is not funded, the sale transaction will not likely close.For Lenders, the object, always, is to establish two basic lending criteria:1. The ability of the borrower to repay the loan; and2. The ability of the lender to recover the full amount of the loan, including outstanding principal, accrued and unpaid interest, and all reasonable costs of collection, in the event the borrower fails to repay the loan.In nearly every loan of every type, these two lending criteria form the basis of the lender’s willingness to make the loan. Virtually all documentation in the loan closing process points to satisfying these two criteria. There are other legal requirements and regulations requiring lender compliance, but these two basic lending criteria represent, for the lender, what the loan closing process seeks to establish. They are also a primary focus of bank regulators, such as the FDIC, in verifying that the lender is following safe and sound lending practices.Few lenders engaged in commercial real estate lending are interested in making loans without collateral sufficient to assure repayment of the entire loan, including outstanding principal, accrued and unpaid interest, and all reasonable costs of collection, even where the borrower’s independent ability to repay is substantial. As we have seen time and again, changes in economic conditions, whether occurring from ordinary economic cycles, changes in technology, natural disasters, divorce, death, and even terrorist attack or war, can change the “ability” of a borrower to pay. Prudent lending practices require adequate security for any loan of substance.Documenting The LoanThere is no magic to documenting a commercial real estate loan. There are issues to resolve and documents to draft, but all can be managed efficiently and effectively if all parties to the transaction recognize the legitimate needs of the lender and plan the transaction and the contract requirements with a view toward satisfying those needs within the framework of the sale transaction.While the credit decision to issue a loan commitment focuses primarily on the ability of the borrower to repay the loan; the loan closing process focuses primarily on verification and documentation of the second stated criteria: confirmation that the collateral is sufficient to assure repayment of the loan, including all principal, accrued and unpaid interest, late fees, attorneys fees and other costs of collection, in the event the borrower fails to voluntarily repay the loan.With this in mind, most commercial real estate lenders approach commercial real estate closings by viewing themselves as potential “back-up buyers”. They are always testing their collateral position against the possibility that the Buyer/Borrower will default, with the lender being forced to foreclose and become the owner of the property. Their documentation requirements are designed to place the lender, after foreclosure, in as good a position as they would require at closing if they were a sophisticated direct buyer of the property; with the expectation that the lender may need to sell the property to a future sophisticated buyer to recover repayment of their loan.Top 10 Lender DeliveriesIn documenting a commercial real estate loan, the parties must recognize that virtually all commercial real estate lenders will require, among other things, delivery of the following “property documents”:1. Operating Statements for the past 3 years reflecting income and expenses of operations, including cost and timing of scheduled capital improvements;2. Certified copies of all Leases;3. A Certified Rent Roll as of the date of the Purchase Contract, and again as of a date within 2 or 3 days prior to closing;4. Estoppel Certificates signed by each tenant (or, typically, tenants representing 90% of the leased GLA in the project) dated within 15 days prior to closing;5. Subordination, Non-Disturbance and Attornment (“SNDA”) Agreements signed by each tenant;6. An ALTA lender’s title insurance policy with required endorsements, including, among others, an ALTA 3.1 Zoning Endorsement (modified to include parking), ALTA Endorsement No. 4 (Contiguity Endorsement insuring the mortgaged property constitutes a single parcel with no gaps or gores), and an Access Endorsement (insuring that the mortgaged property has access to public streets and ways for vehicular and pedestrian traffic);7. Copies of all documents of record which are to remain as encumbrances following closing, including all easements, restrictions, party wall agreements and other similar items;8. A current Plat of Survey prepared in accordance with 2011 Minimum Standard Detail for ALTA/ACSM Land Title Surveys, certified to the lender, Buyer and the title insurer;9. A satisfactory Environmental Site Assessment Report (Phase I Audit) and, if appropriate under the circumstances, a Phase 2 Audit, to demonstrate the property is not burdened with any recognized environmental defect; and10. A Site Improvements Inspection Report to evaluate the structural integrity of improvements.To be sure, there will be other requirements and deliveries the Buyer will be expected to satisfy as a condition to obtaining funding of the purchase money loan, but the items listed above are virtually universal. If the parties do not draft the purchase contract to accommodate timely delivery of these items to lender, the chances of closing the transaction are greatly reduced.Planning for Closing CostsThe closing process for commercial real estate transactions can be expensive. In addition to drafting the Purchase Contract to accommodate the documentary requirements of the Buyer’s lender, the Buyer and his advisors need to consider and adequately plan for the high cost of bringing a commercial real estate transaction from contract to closing.If competent Buyer’s counsel and competent lender’s counsel work together, each understanding what is required to be done to get the transaction closed, the cost of closing can be kept to a minimum, though it will undoubtedly remain substantial. It is not unusual for closing costs for a commercial real estate transaction with even typical closing issues to run thousands of dollars. Buyers must understand this and be prepared to accept it as a cost of doing business.Sophisticated Buyers understand the costs involved in documenting and closing a commercial real estate transaction and factor them into the overall cost of the transaction, just as they do costs such as the agreed upon purchase price, real estate brokerage commissions, loan brokerage fees, loan commitment fees and the like.Closing costs can constitute significant transaction expenses and must be factored into the Buyer’s business decision-making process in determining whether to proceed with a commercial real estate transaction. They are inescapable expenditures that add to Buyer’s cost of acquiring commercial real estate. They must be taken into account to determine the “true purchase price” to be paid by the Buyer to acquire any given project and to accurately calculate the anticipated yield on investment.Some closing costs may be shifted to the Seller through custom or effective contract negotiation, but many will unavoidably fall on the Buyer. These can easily total tens of thousands of dollars in an even moderately sized commercial real estate transaction in the $1,000,000 to $5,000,000 price range.Costs often overlooked, but ever present, include title insurance with required lender endorsements, an ALTA Survey, environmental audit(s), a Site Improvements Inspection Report and, somewhat surprisingly, Buyers attorney’s fees.For reasons that escape me, inexperienced Buyers of commercial real estate, and even some experienced Buyers, nearly always underestimate attorneys fees required in any given transaction. This is not because they are unpredictable, since the combined fees a Buyer must pay to its own attorney and to the Lender’s attorney typically aggregate around 1% of the Purchase Price. Perhaps it stems from wishful thinking associated with the customarily low attorneys fees charged by attorneys handling residential real estate closings. In reality, the level of sophistication and the amount of specialized work required to fully investigate and document a transaction for a Buyer of commercial real estate makes comparisons with residential real estate transactions inappropriate. Sophisticated commercial real estate investors understand this. Less sophisticated commercial real estate buyers must learn how to properly budget this cost.ConclusionConcluding negotiations for the sale/purchase of a substantial commercial real estate project is a thrilling experience but, until the transaction closes, it is only ink on paper. To get to closing, the contract must anticipate the documentation the Buyer will be required to deliver to its lender to obtain purchase money financing. The Buyer must also be aware of the substantial costs to be incurred in preparing for closing so that Buyer may reasonably plan its cash requirements for closing. With a clear understanding of what is required, and advanced planning to satisfy those requirements, the likelihood of successfully closing will be greatly enhanced. </p>]]></content:encoded> <wfw:commentRss>https://assghnd.info/10-things-every-buyer-needs-to-close-a-commercial-real-estate-loan.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Abstract Art Is a Sensory Experience Which Reveals the Emotions Within the Artist</title> <link>https://assghnd.info/abstract-art-is-a-sensory-experience-which-reveals-the-emotions-within-the-artist.html</link> <comments>https://assghnd.info/abstract-art-is-a-sensory-experience-which-reveals-the-emotions-within-the-artist.html#comments</comments> <pubDate>Sat, 15 Apr 2023 14:39:12 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Arts]]></category> <category><![CDATA[Animation]]></category> <category><![CDATA[Arts and Entertainment]]></category> <category><![CDATA[Body Piercings]]></category> <category><![CDATA[Casino Gambling]]></category> <category><![CDATA[FictionTattoos]]></category> <category><![CDATA[Film Editing]]></category> <category><![CDATA[Movies TV]]></category> <category><![CDATA[Music]]></category> <category><![CDATA[Music Industry]]></category> <category><![CDATA[Music Instruction]]></category> <category><![CDATA[Painting]]></category> <category><![CDATA[Performing Arts]]></category> <category><![CDATA[Photography]]></category> <category><![CDATA[Visual Graphic Arts]]></category> <guid isPermaLink="false">http://assghnd.info/?p=56</guid> <description><![CDATA[An Art Form Similar to PoetryAbstract expressionism art is often compared to poetry, because like a poem gives something of what the poet’s feelings are, this kind of art also reveals the feelings and attitudes of the artist. By experimenting … <a href="https://assghnd.info/abstract-art-is-a-sensory-experience-which-reveals-the-emotions-within-the-artist.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> An Art Form Similar to PoetryAbstract expressionism art is often compared to poetry, because like a poem gives something of what the poet’s feelings are, this kind of art also reveals the feelings and attitudes of the artist. By experimenting with color and forms, the artist can reveal emotions and feelings that may not have been accurately depicted in a traditional painting.An Art Depicting Feelings about a Rapidly Changing WorldAbstract artists want to show their feelings in their art which is different from traditional styles of art which are more of a representational interpretation of a subject. An abstract artist will take an object and exaggerate it, making it look more simpler or more complicated than it actually is.This art style started in 1911 by the Russian artist Wassily Kandinsky, born in 1866, and who painted the first pure abstract works. He claimed that ‘Abstract expressionism art places a new world, which on the surface has nothing to do with “reality,” next to the “real” world’.With the Great Depression of the 1930′s together with the Second World War, other artists also wanted a visual language that would reveal the horrors they saw in their rapidly changing world. The language of abstract art meant they could communicate thoughts and emotions; they wanted to find new ways to express their changing world which the 20th century brought along, and these new ideas were reflected in art.A Combination of Art which Offers Longevity and CreativityMatisse and Picasso had already begun to move away from traditional painting techniques and starting with abstraction in their work. Picasso has had a tremendous influence on the course of art, and when he first appeared on the Paris scene in 1900, artists were still following the principle that there should be some relationship between what they put on canvas and the object from which the painting was derived.Picasso though had begun with abstract art and was painting objects as interlocking geometrical forms of color and light. Soon everything he did involved a maze of forms and angles, often with no similarity to its visual reality.Picasso himself stated ‘we no longer wanted to fool the eye; we wanted to fool the mind’, and this step led to modern art as we know it today,. The change was among the most far reaching in painting since the Renaissance. Artists were no longer painting what they saw, but rather interpretations of what they were seeing.Art is a Universal LanguageArt is an expression of thoughts; a universal language which everyone can understand, and abstract expressionism art is just one example of an art form which comes from the creative mind of the artist. We all have various ways to express our thoughts, but art is one of the most creative and exquisite ways to do so.Today many people want to own a unique painting created by an established artist whose expressions are similar to theirs, and today abstract art is found in businesses and hospitality establishments around the world, quietly communicating thoughts to all who cast their eyes on them. </p>]]></content:encoded> <wfw:commentRss>https://assghnd.info/abstract-art-is-a-sensory-experience-which-reveals-the-emotions-within-the-artist.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Importance of Technology in Health Care Industry</title> <link>https://assghnd.info/importance-of-technology-in-health-care-industry.html</link> <comments>https://assghnd.info/importance-of-technology-in-health-care-industry.html#comments</comments> <pubDate>Sat, 15 Apr 2023 12:13:04 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[cloud]]></category> <category><![CDATA[headset]]></category> <category><![CDATA[information]]></category> <category><![CDATA[intelligence]]></category> <category><![CDATA[management]]></category> <category><![CDATA[mobile]]></category> <category><![CDATA[news]]></category> <category><![CDATA[radiology]]></category> <category><![CDATA[smart]]></category> <category><![CDATA[systems]]></category> <category><![CDATA[tech]]></category> <category><![CDATA[Technology]]></category> <guid isPermaLink="false">http://assghnd.info/?p=54</guid> <description><![CDATA[The advent of technology has revolutionized the health care industry, as the changes have certainly improved medicine, science, and life. This article talks about the importance of technology in health care, so read on to know what changes transpired that … <a href="https://assghnd.info/importance-of-technology-in-health-care-industry.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> The advent of technology has revolutionized the health care industry, as the changes have certainly improved medicine, science, and life. This article talks about the importance of technology in health care, so read on to know what changes transpired that makes modern technology essential.There is no doubt that the introduction of modern technology into science and medicine has helped improved the quality of medications, treatment and increase the chance of people surviving from the different diseases that afflict man. Come to think of it! The use of modern equipment has certainly helped prolonged life and most importantly give people hope.In terms of communication, modern technology has unquestionably breakdown the barriers as now the massive use of electronic recording or encoding of patients data into computer has made things easier for nurses or doctors who are trying to access the health patients data. Electronic health record has created a much stronger network in the health care industry, especially in almost all hospital that have taken advantage of the benefits offered by modern technology and recognized the importance of technology.<br />Getting information is a lot easier and faster now, as the records now updated when new information becomes available, and this is vital for patients transferring to another facilities and units. Aside from communication the way people are diagnosed and treated has also improved considerably, which even allows diseases to be treated before a patient shows any symptoms.The use of highly advanced equipment has helped a lot of doctors discover health problems before they occur and treat a health condition painlessly and less hassle. People can get surgery in the morning and go home in the afternoon or right after the operation, without any complication and this change has further boost the importance of technology in the medical field.Without modern equipment or technology, some of the treatment would still be painful, uncomfortable, dangerous, and impossible to achieve. It is even safe to say that patient safety and comfort are the foremost consideration in the incorporation of technology in the health care industry, as most modern treatments considered people friendly. In other words, the arrival of technology in the industry has made a lot of people comfortable in dealing with their health problem.Technology has bring a lot of positive and negative things in the health care industry, but one thing for sure despite all the negative impact of using modern equipment in almost all aspect of health care, people seeking medical attention now has a bigger chance to get treated. The fact that you can get quality health care solution further highlights the importance of technology in health care. </p>]]></content:encoded> <wfw:commentRss>https://assghnd.info/importance-of-technology-in-health-care-industry.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Benefits of Travelling</title> <link>https://assghnd.info/benefits-of-travelling.html</link> <comments>https://assghnd.info/benefits-of-travelling.html#comments</comments> <pubDate>Sat, 15 Apr 2023 11:15:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Travel]]></category> <guid isPermaLink="false">http://assghnd.info/?p=52</guid> <description><![CDATA[For many, travel opportunities can be quite limited due to obligations at work, financial restrictions, and other personal commitments. The prospect of an adventure can leave even the most serious personalities excited and giddy.Most assume these feelings of delight stem … <a href="https://assghnd.info/benefits-of-travelling.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> For many, travel opportunities can be quite limited due to obligations at work, financial restrictions, and other personal commitments. The prospect of an adventure can leave even the most serious personalities excited and giddy.Most assume these feelings of delight stem from a rare opportunity to escape from daily doldrums, but a deeper look can reveal a lot more.Here are lists of seven great benefits from travelling.· Travelling Allows You to Exercise Your PatienceWe are accustomed to our own cultures and have certain expectations regarding customer service, public transportation, and the like.Travelling allows you to experience the delays and differences of other places in everyday life.Travellers have no choice but to embrace these exercises in patience as there is nothing that can be done and besides, you are on vacation – you have time to wait.· Travelling Teaches You to be ResourcefulTaking a journey to a new land creates the opportunity to exercise your ability to be resourceful. Many day to day activities, such as where to eat and how to communicate with people, sometimes become a challenge when surrounded by a new culture.Learning key phrases in another language and finding places to buy food or supplies take you as a traveller out of the comfort zone and teaches resourcefulness.· Travelling Provides Opportunities to Experience KindnessWhen visiting a new culture, it is not uncommon to feel like a guest. This feeling can make you more kind and considerate of others. Many tourists welcome conversation while travelling abroad and you will also find natives who enjoy assisting tourists.Giving and receiving acts of kindness while travelling is an enriching experience.· Travelling Builds Tolerance of Other People and CulturesThis is an important benefit of travel as tolerance is a special gift, necessary for the happiness of everyone around you.When you are thrown into other cultures and your beliefs are the ones less common, you build tolerance toward others.Travelling helps you let go of prejudices and embrace many differences.· Travelling Instills Some Much Needed HumilityAs a traveller, when you enter a new country which operates on a different currency, the experience can be quite humbling. Becoming penniless until you have found a place to exchange your currency teaches you what having no money would feel like.This wonderful travel experience teaches a valuable lesson on humility and compassion.· Travelling Awakens Your SensesTravelling offers a special awakening for each and every sense: seeing, hearing, smelling, tasting, and feeling. A new culture means new food to taste, activities to enjoy, and places to experience.Unfamiliar surrounding along your journey will jolt your senses and create a more alert state of mind, making you feel more alive, adventurous, and vibrant.· Travelling Allows You to Reassess Your IdentitiesBecause our lifestyles and locations often define who we are, travelling provides you with a chance to leave statuses and possessions behind while you reassess personal identities.In leaving behind those statuses, you leave behind the world which defines you and make some inner discoveries which may liberate you.Travelling can change the world you live in through lessons in patience, resourcefulness, kindness, tolerance, and humility which will cause an awakening that will cause you to reassess your identity and provide much needed soul therapy.Escaping from daily chores and increasing personal awareness will quite literally change the person you are in each of the above mentioned areas as well as increased appreciation for your own culture.Now is the time to plan your own personal journey and experience this amazing soul therapy firsthand.Start the New Year off with a new outlook and understanding regarding yourself and the world around you. </p>]]></content:encoded> <wfw:commentRss>https://assghnd.info/benefits-of-travelling.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Need Auto Insurance? Find Out How Here</title> <link>https://assghnd.info/need-auto-insurance-find-out-how-here.html</link> <comments>https://assghnd.info/need-auto-insurance-find-out-how-here.html#comments</comments> <pubDate>Tue, 11 Apr 2023 19:47:56 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Advertising & Marketing]]></category> <guid isPermaLink="false">http://assghnd.info/?p=50</guid> <description><![CDATA[It is mandatory for all new car owners to get auto insurance. The Road Traffic Act stipulates that all motorists should be insured against liability and it declares driving a car without a minimum level of insurance is illegal. The … <a href="https://assghnd.info/need-auto-insurance-find-out-how-here.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> It is mandatory for all new car owners to get auto insurance. The Road Traffic Act stipulates that all motorists should be insured against liability and it declares driving a car without a minimum level of insurance is illegal. The violation can attract severe civil and criminal penalties. This can be easily avoided by securing a proper auto insurance cover for your vehicle as per your state’s demands. It is quite a simple process.Nowadays, there is so much dependence on vehicles that the best thing to do is to follow all stipulated guidelines religiously. Getting the right auto insurance cover is one of them.What Is Auto Insurance All About?Auto Insurance simply means a contract or an agreement between an auto owner and an insurance company. Under this contract, premium is paid to the insurer and in return he pays for any car related losses as detailed in the policy.Key Legal RequirementsIn order to get an insurance cover for your vehicle, you would need to fulfill the following requirements. It’s advisable to find out the requirements in your respective state since these may vary. However, these are the broad requirements for auto insurance.Firstly, you should be in possession of a valid driver’s license before you go in for registration or insuring your car. For your license you would need to approach your local DMV (Department of Motor Vehicles). This is the primary requirement.You will also need to have an auto title. It is a legal certificate of ownership that confirms that you own the car. Most of the paperwork is already done when you purchase a gar from a dealer. Licensed dealers are needed to transfer the title of the car in your name. The title will list the owner’s name, address, make of the car, model and year of the car and the date of sale. This should be retained by you.Next, you need to get your car registered. You can apply for registration at the local DMV. The requirements may vary from state to state. In order to register your vehicle, you will require a valid driving license, signed certificate of title for the car, address of residence and proof of your insurance.The law also stipulates that that a vehicle more than three years old should have a valid MOT certificate. It is not possible to tax a vehicle without MOT and certificate of insurance and driving without them is an offence.It is also vital to keep the insurance company informed in case of any vehicle modifications and fixed penalties. Failing to do so is an offense and may affect any claim that you make.You are also legally obliged to take the basic level of auto insurance that will cover you against third party claims. Since the legal requirements for auto insurance vary from state to state, you will need to clarify the level of cover that you require while taking auto insurance. Only insuring the legal minimum isn’t necessarily the best choice to make.As a proof of your auto insurance, the company issues you the following documents – A Certificate of insurance which will also be required for buying your road tax; A cover note that will act as a temporary policy and certificate until your new insurance policy has been set up; and Policy documents which gives a detail of all that you are covered for. Read the documents carefully to understand your rights and obligations under the policy.Insurance companies have set up claim help lines and accident emergency recovery hotlines for ensuring a smoother process. In case of any ambiguity in terms of insurance or legal requirements, get your doubts cleared by talking to the company. </p>]]></content:encoded> <wfw:commentRss>https://assghnd.info/need-auto-insurance-find-out-how-here.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Understanding Discount Auto Insurance</title> <link>https://assghnd.info/understanding-discount-auto-insurance.html</link> <comments>https://assghnd.info/understanding-discount-auto-insurance.html#comments</comments> <pubDate>Tue, 11 Apr 2023 18:44:10 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[insurance]]></category> <category><![CDATA[auto insurance]]></category> <guid isPermaLink="false">http://assghnd.info/?p=48</guid> <description><![CDATA[If you are interested in acquiring discount auto insurance, it is very important that you have to know and understand how the providers think. Having the right knowledge and information from the discount auto insurance companies will absolutely help you … <a href="https://assghnd.info/understanding-discount-auto-insurance.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> If you are interested in acquiring discount auto insurance, it is very important that you have to know and understand how the providers think. Having the right knowledge and information from the discount auto insurance companies will absolutely help you have big savings. Getting a great discount is not bad after all it is your own money. As you familiarize with the essential information you are surely on the right path in choosing the correct provider.Just like in any industry of course discount auto insurance companies are here to have a profit. Providers have their own goal and that is to make as much sale as possible. Although these companies will surely provide the best service and value to each in every customer to get a great profit.The type of services offered by these companies is to sell certain coverage if you encounter a problem on the road like for example a car accident. Even though you want to avoid these possibilities, it is still important to have a discount auto insurance for your own good. It serves as your protection and fall back in case some trouble occurs. For these companies to keep profitable they are developing or setting up a required plan or coverage that still earns them a profit. To sum it up they will compute and calculate the claims that will both benefit the holder of the policy as well as the company. The best discount auto insurance companies are the ones that value the customer more than the profits that they can get.Understanding discount auto insurance is just an easy thing if you have already the idea. It also means that the provider is the one who will decide which coverage is best for you. They will be the one who will provide you additional charges or discount based on your claims. In the event that you will be involved in a road accident, vandalized car or stolen car, it is more likely ideal to get discount auto insurance. In addition, if years have passed and you have not filed a claim, it follows that you cannot get any bonus because there are no certain claims that are good for such a long period. By using your commonsense and think also about the viewpoint of this insurance company, you will surely get a big slice of discount off your insurance fee.Lastly, the most important way on how you can truly understand the discount auto insurance company is to go on line. By that you can research various car insurance companies that provides detailed information, benefits, coverage and of course the agreement between you and them. Visiting sites that offer quotes is the best thing that you can do to be able to find the best car insurance just for you. Discount auto insurance is just easy to understand and learn as long as you are willing to spend your time researching on the web for the best company that will provide your needs. </p>]]></content:encoded> <wfw:commentRss>https://assghnd.info/understanding-discount-auto-insurance.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Best Mutual Funds Vs. Best Investment Strategy for 2014 and Beyond</title> <link>https://assghnd.info/the-best-mutual-funds-vs-best-investment-strategy-for-2014-and-beyond.html</link> <comments>https://assghnd.info/the-best-mutual-funds-vs-best-investment-strategy-for-2014-and-beyond.html#comments</comments> <pubDate>Tue, 11 Apr 2023 18:04:01 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[investments]]></category> <guid isPermaLink="false">http://assghnd.info/?p=46</guid> <description><![CDATA[Millions of Americans own mutual funds and see them as their best investment options. Consider this question: would you rather own the best funds or have the best investment strategy for managing your funds in 2014 and beyond? With history … <a href="https://assghnd.info/the-best-mutual-funds-vs-best-investment-strategy-for-2014-and-beyond.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Millions of Americans own mutual funds and see them as their best investment options. Consider this question: would you rather own the best funds or have the best investment strategy for managing your funds in 2014 and beyond? With history as my guide, I offer an opinion here, as well as a plan you might want to consider.Within a 10-year period (2000 to 2009) investors experienced two bear (down) markets where stocks lost 50% or more of their value while bonds did just fine. Both times stocks recovered, and by 2014 were again at all time highs. Bonds were the best investment options and the funds that invest in them were the best funds in both bear markets. Even the best funds in the diversified stock department left their investors little to cheer about in that 10-year period of time. The best investment strategy since early 2009: be heavily invested in diversified stock funds. Who could have known they would be the best investment options available to average every-day people?The truth is that NO ONE knew this, and in 2014 it would be extremely risky to assume this was still the best investment strategy. The last two major bull (up) markets before this current one (2009 to 2014) were followed by the above bear (down) markets. In each case even the best funds in the diversified stock arena took big losses, and often the best funds in an up stock market are the worst to hold in a down market.The previous bull market lasted about 5 years, and as of early 2014 this last one was 5 years old. Maybe it’s time to start looking for the best investment strategy for three different reasons. First, the bull market in stocks is 5 years old and stocks are not selling cheap. Second, even the best stock funds will be losers in a bad market. Third, with interest rates rising, bond funds are not relatively safe or dependable anymore. For 30 years (until recently) they were the average investor’s best funds and were among the best investment options out there. Problem: if interest rates continue to rise, bond funds will lose money. That’s the way bond funds work.Sometimes the best investment strategy is to be aggressive in stocks, if you have the stomach for it. For most of us with long term goals, the risk that goes with that strategy far outweighs the prospects for higher returns. After all, if you take a 50% loss in a bad market, you then need to earn 100% (double your money) just to cover your losses. In the bond funds area, the vast majority of conservative investors still hold on to the belief that they are the best funds and that the best investment strategy is to just hold on and everything will be just fine.If history tells us anything, it makes two things in the investment world crystal clear. One: you will never find the best investment or the best funds on a consistent basis. And two: the best investment strategy is to never put yourself into a position where you are open to heavy losses that are difficult to overcome. So, it’s time to make a plan and put together the best strategy in case stock funds and/or bond funds stumble in 2014 and beyond.Virtually all mutual fund families offer a safe investment option called a money market fund. Reallocate your portfolio so that you are invested equally in a money market, stock, and bond fund. Then set it up so that an equal amount of money flows from the money market fund to the two others each month. The monthly amount should be such that in two to three years the money market fund will be down to almost nothing. Example: $90,000 portfolio, starting with $30,000 in each fund and $1000 flowing monthly from money market fund… $500 to stock fund and $500 to bond fund. In about 30 months the money market fund will be about depleted.Even if you don’t hold the best funds, this could be the best investment strategy for the middle-of-the-road investor who wants to basically be invested about half in stocks and half in bonds ultimately. You will be less exposed to stocks and bonds over the next couple of years; hence your potential for big losses is diminished in the event the markets turn ugly. If stocks and/or bonds fall you will be picking up more and more shares as fund prices fall. This is called dollar cost averaging and is a time-tested investment strategy. If fund prices don’t fall during this time period you’ll earn a respectable return, with peace of mind, because you lowered your level of risk. At that point consider going through the same process again.Remember that bull markets are always followed by bear markets sooner or later. Bear markets are generally shorter in duration but they can be brutal. Don’t be overly concerned with finding the best funds for 2014 and beyond. Focus on having the best investment strategy. This way you can stay invested without the fear of taking big losses in stocks or bonds if things turn sour.In the best funds vs. the best investment strategy for 2014 and beyond debate, I suggest you focus on strategy. Unfortunately, most investors ignore investment strategy. That’s why most average investors have not done well for the past dozen or so years. </p>]]></content:encoded> <wfw:commentRss>https://assghnd.info/the-best-mutual-funds-vs-best-investment-strategy-for-2014-and-beyond.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Bad Credit Credit Cards – Who Needs Them</title> <link>https://assghnd.info/bad-credit-credit-cards-who-needs-them.html</link> <comments>https://assghnd.info/bad-credit-credit-cards-who-needs-them.html#comments</comments> <pubDate>Tue, 11 Apr 2023 17:16:40 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[credit cards]]></category> <guid isPermaLink="false">http://assghnd.info/?p=44</guid> <description><![CDATA[United States without credit cards. You won’t be able to rent a car or a hotel room, and very many merchants will not accept a personal cheque without a credit card. Now such persons as those who migrated to the … <a href="https://assghnd.info/bad-credit-credit-cards-who-needs-them.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> United States without credit cards. You won’t be able to rent a car or a hotel room, and very many merchants will not accept a personal cheque without a credit card. Now such persons as those who migrated to the United States, college and university students who have very little or no credit history, or persons who did not do too well at managing their credit history, should apply for credit cards that cater for this.There are three basic types of bad credit credit cards. These are:<br />Prepaid – Very similar to the standard debit card. You open an account and place a deposit in it. This deposit will become your card limit. With this type, you are not extended credit by the bank since any purchases made come directly from your deposit. When you have exhausted this, you can no longer use the card until you make another deposit. This type of card can be likened to the training wheels on a bicycle, and are excellent in helping you to budget and to live within your means. The major downside of such a card however is that they cannot help you to rebuild your credit. This is because no credit is being extended to you, and as such, these accounts are not reported on by banks to the credit bureaus.<br /> Secured Bad Credit Credit Cards – With this type of card, you will have to open some type of savings account and deposit a sum of cash in it. This will be held as collateral by the bank that issued the credit card to you, and for as long as you have the credit card, you will not have access to those funds. You can deposit more to be held as collateral for the card as you go along. Now the amount deposited will normally represent the credit limit on the card. It can be a little more. If you default in the payment on this card, the bank will deduct from your savings to pay it. The interest rates and charges on this card will normally be more that the typical credit card. This type of card should be reported on by the issuing bank. This is great card for learning money management and savings.</p><p>Unsecured Bad Credit Credit Cards – This will be similar to the normal credit card. The interest rates and fees may however be significantly higher than the current market rate. In some instances, you will be charged a fee upfront as the cost of extending the credit facility. This fee is separate from the annual fee. The credit limit that is extended to you on such a card will generally be low and depending on how well you manage it, the issuing bank may increase it as time goes by. This type of credit card should be reported on by the issuing to the various credit bureaus.<br />Bad credit credit cards are generally designed to help these persons build or repair the credit record. Most of them would generally incorporate some feature that will encourage the cardholder to save. Now because these cards are used as training wheels, it is very important that you ensure that they are reported on. You may not want to use this type of card for too long a period of time. So exercise your right to free credit reports and ensure that they are being accurately reported on.Orchard Bank has a few bad credit credit cards that cater for the needs of persons with bad credit history. These include:<br />Orchard Bank Platinum MasterCard®</p><p> Orchard Bank Classic MasterCard®</p><p> Orchard Bank Secured MasterCard®<br />This card allows you to establish or repair your credit. Anywhere you go, it guarantees acceptance and buying power. It will help you manage everyday finances – from unexpected expenses to opportunities you can’t pass up. Some of the benefits include:<br />Monthly reports to all three credit bureaus – Helping you to create a strong credit history</p><p> 24 hour online account access which allows you to keep on top of all transactions made with your card</p><p> Use your Orchard Bank MasterCard card for online shopping knowing that you will not be responsible for unauthorized charges</p><p> Periodic reviews of eligibility for credit limit increases</p><p> Free online bill pay<br />Other recommended bad credit credit cards include:<br />New Millennium Bank Platinum Visa® or MasterCard®</p><p> Horizon Gold Credit Card</p><p> Some of the features of these cards include:</p><p> Guaranteed approval</p><p> The report to all the major credit bureaus</p><p> High introductory savings rate.<br />It is important that you choose the right card that is most suited to your needs from the list of bad credit credit cards that is available. Repairing or establishing you credit rating is very important and this particular card selection may be the key. So choose wisely. </p>]]></content:encoded> <wfw:commentRss>https://assghnd.info/bad-credit-credit-cards-who-needs-them.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Are You Seeking Information About How To Make Money Online? Then Check Out These Great Tips!</title> <link>https://assghnd.info/are-you-seeking-information-about-how-to-make-money-online-then-check-out-these-great-tips.html</link> <comments>https://assghnd.info/are-you-seeking-information-about-how-to-make-money-online-then-check-out-these-great-tips.html#comments</comments> <pubDate>Tue, 11 Apr 2023 16:31:57 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Money Online]]></category> <guid isPermaLink="false">http://assghnd.info/?p=42</guid> <description><![CDATA[You can make money online if you’re able to learn a few things about it first. You may be someone that needs a job, or you could just be looking to supplement your income. Whatever the case may be, you … <a href="https://assghnd.info/are-you-seeking-information-about-how-to-make-money-online-then-check-out-these-great-tips.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> You can make money online if you’re able to learn a few things about it first. You may be someone that needs a job, or you could just be looking to supplement your income. Whatever the case may be, you should take your time to go through all of this.Affiliate marketing is one of the best ways that you can make money online in your spare time. This type of marketing means that you will sell other people’s stuff and get paid a commission when you do. There are all types of items that you can sell depending on your style.Get paid to review some of the new products that are out on the market today. This is a great way for companies to determine if their new products are a hit or miss as they will pay good money to get an opinion on them. Get the word out on these products and pull in the cash.Do you love to write? Are you finding it difficult to locate an outlet for your creativity? Try blogging. It can help you get your thoughts and ideas out, while also earning you a little money. However, to do well, make sure you blog about something you are both interested in and that you know a little about. That will draw others to your work. Once you have followers, you can bring in advertisers or start writing paid reviews.One great way to make money online is to write. If you have the talent and ability to write well with few or no grammatical and spelling errors, many people will want your services. Writing jobs can be anything from rewriting badly written information to write all-new, original information and more. You can also make money by writing your own content for a blog or article directory by making good use of keywords and opening an account with Google AdSense.Remember to create a budget before you start to work online. You need to know what your overhead will be, be it the cost of your computer and internet connection if your work will be completely totally virtually, or any supplies you need if your plan is to sell items online.Try to flip names for domains. Lots of folks generate income by using domain names. It the same concept as buying real estate but what you are buying is a web address with a great name. Look for trending keywords on Google AdSense. Buy some acronym-based domains. Predicting popular domain names of the future can be quite profitable. Give it a try!Do not use your own money to front your online ventures. There are many dishonest companies online who will ask you to pay a certain fee to work for them. Such firms will probably just rip you off. Stay away from such companies.Check out online forums dedicated to helping you find legitimate online work opportunities. There are many geared towards niches which you can find people just like you on, such as work at home mom forums. Once you join the community, you’ll be geared towards making lots of money online!Don’t be afraid to make contact with real people, just because you’re looking for money making opportunities online. While most sites are self-explanatory and can be operated with little to no assistance, you can find out more about legitimacy by conducting conversations with site owners or other employees. If you don’t hear back anything, that could be a red flag!Working online is likely not to make you a millionaire overnight. Even Perez Hilton or Ariana Huffington had to work hard to get their sites to be popular. The same goes for you, whether you are writing SEO articles or designing websites. Don’t let frustration cause you to quit if you don’t strike it rich quickly.Don’t buy into anything that tells you that you can make a whole bunch of money if you pay into a system. A lot of these things that promise you a fortune were put together by someone to get your money and not help you at all. Use common sense and you should do fine if this comes up.If you have a knack for writing, there are various internet portals that offer work for writers of all levels. Sites like iWriter and Write.com allow you to write for various sources who need well-written content. Make your writing skill work for you and you can generate much needed income.Start making money online by taking surveys. A number of websites let you take surveys for small amounts of payment. It’s practically impossible to make a living doing this, but it can generate enough money to reinvest into more profitable online money making endeavors. This means you can start making money online with only an investment of your time and not any financial capital.Make extra money on the side with email marketing. This is a great way to promote a company and use the subscribers that you have to your advantage. You will simply send a message or advertise a product to your large pool of subscribers and get paid money to do so.Joining survey sites is a great way to get your opinion heard and earn some extra income. Meanwhile, you probably won’t be able to pay off all of your bills or buy a new car, you can certainly use the extra money. Many reputable sites will often pre-screen you for surveys and email you new ones when applicable.Do you have expertise in a certain field? You could start a blog and share your knowledge in the posts, making money off affiliate links or ads. You could create how-to videos and make money off the ads on YouTube. You could sell your skills online as a consultant, too!Now it’s probably clear to you that you can work online and make money if you’re able to follow the guidelines you just read. It’s something you’re going to have to take your time on, but in the end, things should go well for you. Hopefully, you are able to make some money now! </p>]]></content:encoded> <wfw:commentRss>https://assghnd.info/are-you-seeking-information-about-how-to-make-money-online-then-check-out-these-great-tips.html/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=https%3A//assghnd.info/feed
