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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>cdgamfeln.info</title> <atom:link href="http://cdgamfeln.info/feed" rel="self" type="application/rss+xml" /> <link>https://cdgamfeln.info</link> <description>Just another WordPress site</description> <lastBuildDate>Wed, 13 Mar 2024 18:05:03 +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>Financial Goal Setting And Tracking In 2023</title> <link>https://cdgamfeln.info/financial-goal-setting-and-tracking-in-2023</link> <comments>https://cdgamfeln.info/financial-goal-setting-and-tracking-in-2023#comments</comments> <pubDate>Wed, 29 Nov 2023 13:18:14 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://cdgamfeln.info/?p=56</guid> <description><![CDATA[Introduction Setting financial goals and tracking your progress is crucial for achieving long-term financial success. Whether you want to save for retirement, pay off debt, or buy a house, having a clear plan in place can help you stay on track and make informed financial decisions. In this article, we will explore the importance of [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="Free Printable Savings Planner Organization Obsessed Savings" src="https://i.pinimg.com/originals/14/19/85/14198595af49f6d57b394599965bea54.jpg" _mce_src="https://i.pinimg.com/originals/14/19/85/14198595af49f6d57b394599965bea54.jpg" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><h2>Introduction</h2><p>Setting financial goals and tracking your progress is crucial for achieving long-term financial success. Whether you want to save for retirement, pay off debt, or buy a house, having a clear plan in place can help you stay on track and make informed financial decisions. In this article, we will explore the importance of financial goal setting and provide tips on how to effectively track your progress in 2023.</p><h2>The Importance of Setting Financial Goals</h2><p>Setting financial goals helps you establish a roadmap for your financial future. It provides direction and motivates you to take actionable steps towards achieving your aspirations. By setting clear goals, you can prioritize your spending and make better financial choices that align with your long-term objectives.</p><h3>Types of Financial Goals</h3><p>There are various types of financial goals you can set, including short-term, medium-term, and long-term goals. Short-term goals can include saving for a vacation or purchasing a new gadget. Medium-term goals may involve paying off student loans or saving for a down payment on a house. Long-term goals often revolve around retirement planning or building a substantial investment portfolio.</p><h3>SMART Goal Setting</h3><p>When setting financial goals, it’s essential to follow the SMART framework. SMART stands for Specific, Measurable, Achievable, Relevant, and Time-bound. For example, instead of setting a vague goal like “save money,” a SMART goal would be “save $5,000 for a down payment on a house by December 2023.” This specific and time-bound goal gives you a clear target to work towards.</p><h2>Tracking Your Financial Progress</h2><p>Once you have set your financial goals, tracking your progress is key to ensuring you stay on course. Here are some effective strategies for tracking your financial progress in 2023:</p><h3>Create a Budget</h3><p>A budget is a powerful tool that allows you to track your income and expenses. By categorizing your spending and monitoring your progress regularly, you can identify areas where you can cut back and save more towards your goals. Utilize budgeting apps or spreadsheets to simplify the process and gain a clear overview of your financial situation.</p><h3>Automate Savings</h3><p>To make saving more manageable, automate your savings contributions. Set up automatic transfers from your paycheck or checking account to your savings or investment accounts. This way, you won’t have to rely on willpower alone to save money, ensuring consistent progress towards your goals.</p><h3>Review and Adjust</h3><p>Regularly review your financial goals and track your progress. Life circumstances and priorities can change, and it’s crucial to adjust your goals accordingly. By reviewing your goals periodically, you can make necessary changes and stay motivated to achieve what truly matters to you.</p><h3>Celebrate Milestones</h3><p>Don’t forget to celebrate your financial milestones along the way. Whether it’s paying off a significant debt or reaching a savings target, acknowledging your achievements will help you stay motivated and continue working towards your financial goals.</p><h2>Conclusion</h2><p>Financial goal setting and tracking are essential aspects of achieving financial success. By setting SMART goals, creating a budget, automating savings, and regularly reviewing your progress, you can stay on track and make informed financial decisions in 2023. Remember to celebrate your milestones and adjust your goals as needed, ensuring your financial journey aligns with your aspirations.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://cdgamfeln.info/financial-goal-setting-and-tracking-in-2023/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Insurance Coverage Considerations</title> <link>https://cdgamfeln.info/insurance-coverage-considerations</link> <comments>https://cdgamfeln.info/insurance-coverage-considerations#comments</comments> <pubDate>Wed, 29 Nov 2023 13:15:18 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://cdgamfeln.info/?p=54</guid> <description><![CDATA[Introduction When it comes to insurance, there are several important considerations that individuals and businesses must keep in mind. Whether you are looking for coverage for your home, car, or health, understanding the various factors that impact insurance coverage is crucial. In this article, we will explore the key considerations that should be taken into [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="Understand Insurance Coverages Damage & Temporary Housing" src="https://i2.wp.com/harrisclaimsservices.com/wp-content/uploads/2015/12/HCS-Understand-Insurance-Coverages-Infographic-791x1024.jpg" _mce_src="https://i2.wp.com/harrisclaimsservices.com/wp-content/uploads/2015/12/HCS-Understand-Insurance-Coverages-Infographic-791x1024.jpg" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><h2>Introduction</h2><p>When it comes to insurance, there are several important considerations that individuals and businesses must keep in mind. Whether you are looking for coverage for your home, car, or health, understanding the various factors that impact insurance coverage is crucial. In this article, we will explore the key considerations that should be taken into account when purchasing insurance.</p><h2>1. Coverage Options</h2><p>Before choosing an insurance policy, it is essential to explore the various coverage options available. Different insurers offer different types of coverage, and it is important to find one that suits your specific needs. For example, if you own a business, you may need specialized insurance coverage that protects against professional liability or property damage.</p><h2>2. Policy Limits</h2><p>Policy limits refer to the maximum amount that an insurer will pay out in the event of a claim. It is important to carefully consider these limits to ensure that you have adequate coverage. For example, if your home is insured for a lower amount than its value, you may not receive enough compensation to rebuild or repair it in the event of a disaster.</p><h2>3. Deductibles</h2><p>Deductibles are the out-of-pocket expenses that policyholders must pay before their insurance coverage kicks in. It is crucial to select a deductible amount that you can comfortably afford. While choosing a higher deductible may lower your premium, it could also result in higher out-of-pocket expenses in the event of a claim.</p><h2>4. Exclusions</h2><p>Insurance policies often have exclusions, which are specific situations or events that are not covered by the policy. It is important to carefully review these exclusions to understand what is not covered. For instance, a health insurance policy may exclude coverage for pre-existing conditions or certain types of treatments.</p><h2>5. Geographic Considerations</h2><p>Geographic factors can significantly impact insurance coverage. For example, individuals living in areas prone to natural disasters may need additional coverage for flood or earthquake damage. Additionally, the location of your business can affect insurance premiums, particularly if you operate in a high-crime area.</p><h2>6. Policy Renewal</h2><p>When purchasing insurance, it is important to consider the terms of policy renewal. Some policies automatically renew, while others require manual renewal. Understanding the renewal process and any associated costs or paperwork can help ensure that your coverage remains uninterrupted.</p><h2>7. Customer Support</h2><p>The quality of customer support provided by an insurance company should also be considered. It is important to choose an insurer that is responsive and helpful when it comes to answering questions, assisting with claims, and providing assistance when needed.</p><h2>8. Cost</h2><p>While cost should not be the sole determining factor when choosing insurance coverage, it is undoubtedly an important consideration. It is crucial to compare quotes from different insurers to ensure you are getting the best value for your money. However, be cautious of policies that seem too good to be true, as they may have hidden exclusions or limitations.</p><h2>9. Review Periodically</h2><p>Insurance needs can change over time, so it is essential to review your coverage periodically. Life events such as marriage, the birth of a child, or buying a new car can all impact your insurance needs. By periodically reviewing your coverage, you can make necessary adjustments to ensure you are adequately protected.</p><h2>10. Seek Professional Advice</h2><p>If you find the insurance landscape overwhelming, do not hesitate to seek professional advice. Insurance brokers or agents can provide guidance and help you navigate through the various options available. They can also assist in finding the most suitable coverage for your needs and budget.</p><p>By considering these insurance coverage considerations, you can make informed decisions that provide you with the protection you need. Remember, insurance is an investment in your future, so take the time to research, compare, and choose wisely.</p>]]></content:encoded> <wfw:commentRss>https://cdgamfeln.info/insurance-coverage-considerations/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Student Loan Repayment Options In 2023</title> <link>https://cdgamfeln.info/student-loan-repayment-options-in-2023</link> <comments>https://cdgamfeln.info/student-loan-repayment-options-in-2023#comments</comments> <pubDate>Wed, 29 Nov 2023 13:08:37 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://cdgamfeln.info/?p=52</guid> <description><![CDATA[Introduction As the cost of education continues to rise, many students are burdened with hefty student loans upon graduation. However, there are several repayment options available to make the process more manageable. In this article, we will explore some student loan repayment options in 2023. 1. Standard Repayment Plan The standard repayment plan is the [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="A Complete Guide to Federal Student Loan Repayment Options LendEDU" src="https://i2.wp.com/lendedu.com/wp-content/uploads/2016/03/federal-student-loan-repayment-options-1.png" _mce_src="https://i2.wp.com/lendedu.com/wp-content/uploads/2016/03/federal-student-loan-repayment-options-1.png" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><h2>Introduction</h2><p>As the cost of education continues to rise, many students are burdened with hefty student loans upon graduation. However, there are several repayment options available to make the process more manageable. In this article, we will explore some student loan repayment options in 2023.</p><h2>1. Standard Repayment Plan</h2><p>The standard repayment plan is the most common option for student loan repayment. It involves fixed monthly payments over a period of 10 years. This plan is ideal for borrowers who can afford higher monthly payments and want to pay off their loans quickly.</p><h2>2. Graduated Repayment Plan</h2><p>For borrowers who expect their income to increase over time, the graduated repayment plan may be a suitable option. This plan starts with lower monthly payments that gradually increase every two years. It allows borrowers to make smaller payments initially and gradually adjust to higher payments as their income grows.</p><h2>3. Income-Driven Repayment Plans</h2><p>Income-driven repayment plans are designed for borrowers with low income levels or high debt-to-income ratios. These plans calculate monthly payments based on a percentage of the borrower’s discretionary income. There are several types of income-driven repayment plans, including Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Revised Pay As You Earn (REPAYE).</p><h3>3.1 Income-Based Repayment (IBR)</h3><p>IBR caps monthly payments at 10-15% of the borrower’s discretionary income, depending on when the loans were taken out. Any remaining balance after 20-25 years of payments may be forgiven, but the forgiven amount may be taxable.</p><h3>3.2 Pay As You Earn (PAYE)</h3><p>PAYE also sets monthly payments at 10% of the borrower’s discretionary income but limits payments to a maximum of 10% of the standard repayment plan amount. Forgiveness may be available after 20 years of payments.</p><h3>3.3 Revised Pay As You Earn (REPAYE)</h3><p>REPAYE is similar to PAYE but does not have income restrictions. Monthly payments are 10% of discretionary income, and forgiveness is available after 20 or 25 years, depending on the borrower’s loan type.</p><h2>4. Extended Repayment Plan</h2><p>The extended repayment plan allows borrowers to extend their repayment period up to 25 years, reducing monthly payments. This plan is suitable for borrowers who need lower monthly payments but may end up paying more interest over time.</p><h2>5. Loan Forgiveness Programs</h2><p>There are various loan forgiveness programs available for borrowers in specific professions or working for non-profit organizations. Public Service Loan Forgiveness (PSLF) is a popular program that forgives remaining loan balances after 10 years of qualifying payments for individuals working in public service.</p><h2>Conclusion</h2><p>With the wide range of student loan repayment options available in 2023, borrowers can choose the plan that best fits their financial situation. Whether it’s the standard, graduated, income-driven, extended repayment plan, or loan forgiveness programs, borrowers have options to make their student loan repayment journey more manageable.</p>]]></content:encoded> <wfw:commentRss>https://cdgamfeln.info/student-loan-repayment-options-in-2023/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Choosing the Best Commercial Loan Software</title> <link>https://cdgamfeln.info/choosing-the-best-commercial-loan-software</link> <comments>https://cdgamfeln.info/choosing-the-best-commercial-loan-software#comments</comments> <pubDate>Thu, 06 Apr 2023 19:46:03 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Loans]]></category> <category><![CDATA[Auto Loans]]></category> <category><![CDATA[Budgeting]]></category> <category><![CDATA[Commercial Loans]]></category> <category><![CDATA[Credit]]></category> <category><![CDATA[Credit Tips]]></category> <category><![CDATA[Currency]]></category> <category><![CDATA[Debt Management]]></category> <category><![CDATA[Finance]]></category> <category><![CDATA[Home Equity Loans]]></category> <category><![CDATA[PayDay Loans]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Personal Loans]]></category> <category><![CDATA[Property]]></category> <category><![CDATA[Student Loans]]></category> <category><![CDATA[Trading]]></category> <guid isPermaLink="false">http://cdgamfeln.info/?p=44</guid> <description><![CDATA[You have put off purchasing a loan software for long enough. While your company is still managing all of your work by hand, the borrowers are sitting on the back burner waiting to get their loans. Don’t you think its time to make the leap into automating some of the most mundane tasks that your [...]]]></description> <content:encoded><![CDATA[<p> You have put off purchasing a loan software for long enough. While your company is still managing all of your work by hand, the borrowers are sitting on the back burner waiting to get their loans. Don’t you think its time to make the leap into automating some of the most mundane tasks that your employees face every day?I am sure that you already know this, but commercial loans are typically not a “one size fits most” type of deal. In fact, several types of commercial loan software have been created to fit the needs of every borrower and every lenders unique situation. Determining which software is right for your company often depends on the type of business you run and the type of client information that you would like to manage.The commercial loan industry is spread out across a variety of other industries, most notably, real estate, mortgages and other forms of private and commercial lending. This makes it near impossible for us or anyone to recommend just one software to any of you reading this. Aside from industry type, there are also many differences in each software’s own internal functions that make your decision quite a bit more difficult.Some loan programs focus heavily on organizing customer information, while others may primarily serve as a payment tracker and calendar. Now please bear in mind that these are only a couple of the features that you can expect to see. Others may include investor reporting, loan origination, tax and reporting and many more. </p>]]></content:encoded> <wfw:commentRss>https://cdgamfeln.info/choosing-the-best-commercial-loan-software/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>A Story for the Australian Automotive Industry</title> <link>https://cdgamfeln.info/a-story-for-the-australian-automotive-industry</link> <comments>https://cdgamfeln.info/a-story-for-the-australian-automotive-industry#comments</comments> <pubDate>Thu, 06 Apr 2023 17:18:34 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Automotive]]></category> <category><![CDATA[aftermarket]]></category> <category><![CDATA[auto market]]></category> <category><![CDATA[auto shop]]></category> <category><![CDATA[auto.used cars]]></category> <category><![CDATA[automobile]]></category> <category><![CDATA[automotive news]]></category> <category><![CDATA[autos]]></category> <category><![CDATA[car news]]></category> <category><![CDATA[dealer]]></category> <category><![CDATA[mechanic]]></category> <category><![CDATA[parts]]></category> <category><![CDATA[vehicle]]></category> <guid isPermaLink="false">http://cdgamfeln.info/?p=42</guid> <description><![CDATA[Introduction to the TopicAustralia is one of only a few countries with the capabilities to design cars from scratch and manufacture in significant volumes. Car sales in Australia are also an important factor of the Australian Automotive Industry and the Australian Economy in total.The Australian Auto Industry (A.A.I. in short) can be divided into two [...]]]></description> <content:encoded><![CDATA[<p> Introduction to the TopicAustralia is one of only a few countries with the capabilities to design cars from scratch and manufacture in significant volumes. Car sales in Australia are also an important factor of the Australian Automotive Industry and the Australian Economy in total.The Australian Auto Industry (A.A.I. in short) can be divided into two interrelated sectors, the Production ( Manufacturing) sector and the Car Sales (or Import-Sales) sector, both equally important for the total performance of the A.A.I. On one hand, the Manufacturing sector refers to the market conditions under which Australian Manufacturing businesses compete, by producing vehicles and related products, with the main aim of maximizing profits. On the other hand, the Sales sector refers to the market conditions under which car representative sale businesses compete, by the sale of cars and related products, having the same aim with businesses within sector one.It is very important to state the distinction between these two sectors within the A.A.I., as we will be talking about two different market structures, business strategies, competition conditions, e.t.c. In order to analyse these market structures it would be appropriate to develop two economic models, one for each A.A.I. sector.1.1-Analyzing the Manufacturing SectorThere is only one market structure that can best describe the market conditions in the Manufacturing sector if A.A.I., this is Oligopoly. As there are only two organizations that produce cars in Australia, and these are Ford and Holden, the competition methods and pricing strategies are based between these two organizations. The following economic model shall help define the competition and economic conditions for the Australian Automotive Manufacturing market.The first important characteristic of Oligopoly that needs to be stated is that prices between competitors tend to be “sticky”, which means that they change less frequently than any other market structure. This statement will be explained in more detail later on, when we will be developing the Game-Theory model, as it is a very important concept of competition. The second most important characteristic is that when prices do change, firms are likely to change their pricing policies together. These two characteristics can boost up competition within the market. Firms will either try to match rivals’ price changes or ignore them. This is depended on the Game-Theory that is explained bellow.However, the recent market conditions for the Australian Automotive Industry and the actions of the Australian Government have worsen the competition conditions and possible pricing options available for firms in the market. The production and maintenance costs for a manufacturing business in Australia are already high and rising, mostly due to lack of economic resources and advance of technology. That is, as Holden and Ford try to compete each other, given that prices tend to be “sticky”, they are forced to focus on technological advantage and marketing. Both of these business sectors produce high costs. Furthermore, the Australian government has made it clear that is unwilling to further subsidize automotive organizations in the market. All these factors stated above produce a negative effect on the competitiveness of both firms. In other words, rising costs alongside with decreased revenue push firms in experiencing lower and decreasing levels of profitability.Profitability and the level of competitiveness are highly interrelated in an oligopolistic market structure, being the two most important factors, alongside with product differentiation, in the competition policies that the firms follow. When we say that the level of competitiveness of a firm is very low, we mean that the firm cannot react effectively to any price changes or competition changes or even changes in production costs. This may leave the firm depended on its’ competitor’s pricing and competition actions, not being able to affect the market competitiveness at all. The firm is then exposed to external danger and can be pushed out of the market, or even worse to shut production and declare bankrupt.1.2- The Game-Theory Model for OligopolyThe Game Theory model is used to explain the pricing and competition policies of firms in an oligopolistic market structure. Furthermore, it can show the few different competition policies based on pricing that the two firms can follow, that is High and Low as stated above. All firms in this market structure follow a Game-Theory model, although it is surely more detailed than our example, in the process of trying to forecast competitors’ pricing and competition movements and also keep track of the competition levels in the market and market share. But how does this happen?For example, let’s say that there are four different fields, each divided in half. These fields represent the pricing strategies that Holden and Ford may use in the process of competing each other. Field A and C represent a High-Pricing policy for Holden, while fields A and B represent a High-Pricing policy for Ford. Lastly, fields B and D represent a Low-Pricing policy for Holden, while fields C and D represent a Low-Pricing policy for Ford. When both firms decide to follow a High-Pricing policy they share a profit of, let’s say, $12 million. If Holden decided to move to a Low-Pricing policy it will experience a maximum of $15 million profit, while Ford’s profitability will fall to $6 million. The exact opposite may also occur, while if both firms decided to follow a Low-Pricing policy they would realize a maximum of $8 million of profit.What we can identify from the above example is that firms in an oligopolistic competitive market rarely change their pricing policies because this may produce a negative effect on their profitability levels. However, Holden and Ford, being the only two firms in the Australian Automotive Industry, they will focus on competing through product differentiation and marketing. That is, they will try to compete by differentiating their products, for example by producing vehicles with different features, or even base their production on technological advantage. Marketing plays an important role here, as it is the main tool that delivers and connects the customer with product. For example, if Holden introduces a new driving technology that improves driving experience and safety and produces this technology alongside with a newly designed vehicle, it is quite likely that Holden will effectively differentiate its newly designed vehicle from a relative vehicle of Ford and lure more customers in the store. Holden may also use marketing techniques to deliver this technology to the public, in the form of knowledge; hence try to boost sales without changing its pricing policy. However, it is important to state that this new technology may produce higher production costs, if not evaluated properly; hence Holden can only rely in increasing its market share to gain greater profitability. The sales part, however, will be analyzed in more extend within the next chapter of this report.The Game-Theory is not just a theory for the Automotive Industry in Australia, it’s a fact. It shows us that auto manufacturers in Australia have based their competition strategies on all the factors stated above and as much as they possibly can on pricing strategies. They may advertise that they have low prices, but in fact their prices are very stable. If we have a close look at Holden’s or Ford’s websites, we will identify that there is a huge variety of products and each firm competes in that. However, the new market conditions stated before have greatly changed the way auto manufacturers think of the future and this in turn may change their pricing and competition policies, or even determine their existence in the market.2.1- Analyzing the Import/Sales SectorWhile the auto manufacturers are considered to be operating in an oligopolistic market structure, importing and selling vehicles or relative products is a different story. The import and sale of vehicles is the second and equally important business sector of the Australian Automotive Industry. There are many different car selling businesses and we shall only consider first-hand sales, as second-hand sales in general are not included in economics and more specifically in GDP measurements. To enter the industry hard at all as there are not many barriers to entry, however someone who is interested needs to consider of the high costs in setting up an automotive dealership. All businesses in this market are mostly based on product differentiation to compete and while prices are not “sticky”, pricing competition is set up by the market mechanism and tends not to be considered a regular phenomenon. Lastly, cost analysis and cost management play a very important role. All of the above characteristics refer to the Monopolistic Competition Market Structure. In this market structure we will focus on two phases, the short-run phase and the long-run phase, each with different competition characteristics and outcomes.An important factor that we need to state here is that when the costs of developing a vehicle in the manufacturing sector rise, then the cost for selling the vehicle for a dealership may rise as well. This is always depended of course on if the vehicle was produced in Australia and if it was produced overseas, under what economic conditions was it produced. Price might be “sticky” for manufacturers, however prices will change much easier in this sector if needs be. Here firms will change their pricing policies if costs either rise or fall and this is always depended on the market mechanism. The amount of competitiveness along with the amount of price elasticity of demand will depend on how many rivals the monopolistic competitive firm will have to face.In such market the following situation is very common, a situation that helps us distinct between short-run and long-run:Stage OneIn this stage the firm experiences economic profits. However, this fact will draw new firms in the market causing the profits to be competed away.Stage TwoThe economic losses indicated in this stage will cause many firms to exit the market, as they cannot keep selling under these market conditions.Stage ThreeIn the final stage, the market clears-up, or reaches equilibrium point. As all firms that needed to exit the market have done so, the market mechanism comes to the point where no economic profits/losses are realized by the firms. This is the point where the market is most stable.Studying the situation above we can identify one very important fact for any monopolistic competitive firm in the Australian Automotive Industry/ Sales sector. That is that in this market structure, in the long run, firms will realize only normal profits and the market mechanism will eventually reach an equilibrium point. Hence, in the long-run firms will compete mostly through product differentiation. However, in the short run firms may experience economic profits or losses and this is what causes firms to enter or exit the market and “shows” firms how to compete and when to apply pricing competition policies.ConclusionThe Australian Automotive Industry may be experiencing rough market conditions, mostly because there is no more government support; however competition and profit maximization is still possible. Thinking of moving overseas is not always a good option for the manufacturing businesses, as the Australian Economy needs the manufacturing sector, as it represents a reasonably big part of GDP.<br />Market competition conditions are well defined for every manufacturer or car dealership, hence any business in the market ought to use the available to them competition strategies and achieve higher market share and profitability level or stabilize its profitability levels. Either way, these are the main goals for almost every profit-motivated business in any market type under any market structure. However, every business ought to define the market structure that is operating in, so that it can then clearly define its goals, strategies and policies. The market mechanism is in all cases responsible for all the above strategies and most of the cases responsible for setting up pricing policies or indicating pricing and marketing strategies. </p>]]></content:encoded> <wfw:commentRss>https://cdgamfeln.info/a-story-for-the-australian-automotive-industry/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Corporate Information Security – Is Our Information More Secure Since September 11th?</title> <link>https://cdgamfeln.info/corporate-information-security-is-our-information-more-secure-since-september-11th</link> <comments>https://cdgamfeln.info/corporate-information-security-is-our-information-more-secure-since-september-11th#comments</comments> <pubDate>Sat, 01 Apr 2023 19:22:46 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Security]]></category> <guid isPermaLink="false">http://cdgamfeln.info/?p=40</guid> <description><![CDATA[The morning of September 11th, 2001 started like any other for employees of the law firm Turner & Owen, located on the 21st floor of One Liberty Plaza directly across the street from the North World Trade Center Tower. Then everyone heard a huge explosion and their building shook as if in an earthquake. Debris [...]]]></description> <content:encoded><![CDATA[<p> The morning of September 11th, 2001 started like any other for employees of the law firm Turner & Owen, located on the 21st floor of One Liberty Plaza directly across the street from the North World Trade Center Tower. Then everyone heard a huge explosion and their building shook as if in an earthquake. Debris rained from the sky.Not knowing what was happening, they immediately left the building in an orderly fashion–thanks to systematic practice of evacuation drills–taking whatever files they could on the way out. File cabinets and computer systems all had to be left behind. In the disaster that ensued, One Liberty Plaza was wrecked and leaning with the top ten floors twisted–the offices of Turner & Owen were decimated.Although Turner & Owen IT staff made regular backup tapes of their computer systems, those tapes had been sent to a division of the company located in the South World Trade Center Tower and they were completely lost when the South Tower was destroyed. Knowing they had to recover their case databases or likely go out of business, Frank Turner and Ed Owen risked their lives and crawled through the structurally-unstable One Liberty Plaza and retrieved two file servers with their most critical records. With this information, the law firm of Owen & Turner was able to resume work less than two weeks later.Many other companies were never able to recover the information lost in this disaster.What Has Changed?One might think that years after such a devastating loss of lives, property and information there would be dramatic differences and improvements in the way businesses strive to protect their employees, assets, and data. However, changes have been more gradual than many had expected. “Some organizations that should have received a wakeup call seemed to have ignored the message,” says one information security professional who prefers to remain anonymous.A look at some of the trends that have been developing over the years since September 11th reveals signs of change for the better–although the need for more information security advancement is abundantly clear.Federal TrendsThe most noticeable changes in information security since September 11th, 2001 happened at the federal government level. An assortment of Executive Orders, acts, strategies and new departments, divisions, and directorates has focused on protecting America’s infrastructure with a heavy emphasis on information protection.Just one month after 9/11, President Bush signed Executive Order 13231 “Critical Infrastructure Protection in the Information Age” which established the President’s Critical Infrastructure Protection Board (PCIPB). In July 2002, President Bush released the National Strategy for Homeland Security that called for the creation of the Department of Homeland Security (DHS), which would lead initiatives to prevent, detect, and respond to attacks of chemical, biological, radiological, and nuclear (CBRN) weapons. The Homeland Security Act, signed into law in November 2002, made the DHS a reality.In February 2003, Tom Ridge, Secretary of Homeland Security released two strategies: “The National Strategy to Secure Cyberspace,” which was designed to “engage and empower Americans to secure the portions of cyberspace that they own, operate, control, or with which they interact” and the “The National Strategy for the Physical Protection of Critical Infrastructures and Key Assets” which “outlines the guiding principles that will underpin our efforts to secure the infrastructures and assets vital to our national security, governance, public health and safety, economy and public confidence”.Additionally, under the Department of Homeland Security’s Information Analysis and Infrastructure Protection (IAIP) Directorate, the Critical Infrastructure Assurance Office (CIAO), and the National Cyber Security Division (NCSD) were created. One of the top priorities of the NCSD was to create a consolidated Cyber Security Tracking, Analysis and Response Center following through on a key recommendation of the National Strategy to Secure Cyberspace.With all this activity in the federal government related to securing infrastructures including key information systems, one might think there would be a noticeable impact on information security practices in the private sector. But response to the National Strategy to Secure Cyberspace in particular has been tepid, with criticisms centering on its lack of regulations, incentives, funding and enforcement. The sentiment among information security professionals seems to be that without strong information security laws and leadership at the federal level, practices to protect our nation’s critical information, in the private sector at least, will not significantly change for the better.Industry TrendsOne trend that appears to be gaining ground in the private sector, though, is the increased emphasis on the need to share security-related information among other companies and organizations yet do it in an anonymous way. To do this, an organization can participate in one of dozen or so industry-specific Information Sharing and Analysis Centers (ISACs). ISACs gather alerts and perform analyses and notification of both physical and cyber threats, vulnerabilities, and warnings. They alert public and private sectors of security information necessary to protect critical information technology infrastructures, businesses, and individuals. ISAC members also have access to information and analysis relating to information provided by other members and obtained from other sources, such as US Government, law enforcement agencies, technology providers and security associations, such as CERT.Encouraged by President Clinton’s Presidential Decision Directive (PDD) 63 on critical infrastructure protection, ISACs first started forming a couple of years before 9/11; the Bush administration has continued to support the formation of ISACs to cooperate with the PCIPB and DHS.ISACs exist for most major industries including the IT-ISAC for information technology, the FS-ISAC for financial institutions as well as the World Wide ISAC for all industries worldwide. The membership of ISACs have grown rapidly in the last couple of years as many organizations recognize that participation in an ISAC helps fulfill their due care obligations to protect critical information.A major lesson learned from 9/11 is that business continuity and disaster recovery (BC/DR) plans need to be robust and tested often. “Business continuity planning has gone from being a discretionary item that keeps auditors happy to something that boards of directors must seriously consider,” said Richard Luongo, Director of PricewaterhouseCoopers’ Global Risk Management Solutions, shortly after the attacks. BC/DR has proven its return on investment and most organizations have focused great attention on ensuring that their business and information is recoverable in the event of a disaster.There also has been a growing emphasis on risk management solutions and how they can be applied to ROI and budgeting requirements for businesses. More conference sessions, books, articles, and products on risk management exist than ever before. While some of the growth in this area can be attributed to legislation like HIPAA, GLBA, Sarbanes Oxley, Basel II, etc., 9/11 did a lot to make people start thinking about threats and vulnerabilities as components of risk and what must be done to manage that risk.Technology TrendsMost companies realized the need to monitor their networks 24×7 prior to 9/11, but afterwards it became a top priority if such a capability wasn’t already in place. More and more companies are implementing intrusion detection systems (IDS) including network intrusion detection systems (NIDS) and host intrusion detection systems (HIDS) solutions. According to a 2003 Global Security Survey by Deloitte Touche Tohmatsu, 85 percent of respondents have deployed intrusion detection systems. Since these systems can entail large expenses of equipment and software purchases, consulting fees and staff time, some companies are turning to managed security service providers (MSSPs) to manage their network monitoring. Some MSSPs also offer their clients advance notice of threats that the MSSP may have identified while monitoring other networks.Largely due to rampaging worms and viruses such as Slammer, patch management, change management and configuration management technology solutions have been raised in precedence within corporate risk management initiatives. A slew of applications and tools exist to address the needs of patch, change, and configuration management, but the challenge is to find the right combination of tools that will do the job in any given environment.Information security staffs don’t have time to sift through the growing multitude of threat warnings and vulnerability alerts that crop up for all possible platform combinations every day. So another information security technology trend that has developed is intelligent threat analysis–a service that provides threat and vulnerability alerts customized to a client’s specific environment.What Still Needs to ChangeThe information security changes in government, industry, and technology are notable, but where do we still need to improve in these areas?If our government is serious about protecting critical information it will have to pass some sensible laws, contend information security experts. “Make companies liable for insecurities, and you’ll be surprised how quickly things get more secure,” says Bruce Schneier, Founder and CTO of Counterpane Internet Security, Inc.Information security managers need to do a better job of conveying how a company needs to protect its information to their CEOs and boards of directors. Siebel Systems CIO Mark Sunday says that although corporate boards are more aware of security issues than ever, they still don’t fully understand them–and most boards don’t like to fund things they don’t understand. “As aware as CEOs and boards have become of security issues, spending in that area hasn’t gone up in proportion and certainly not to the levels people expected,” Sunday said.Advanced information security technology exists that isn’t widely known or used by the mainstream. “Our technology is too signature-based,” says Jim Reavis, editor of CSOinformer and information security industry analyst. “We’re only prepared to fight the last battle. We need to get more predictive. We need to use more behavioral technology.”ConclusionIn a survey conducted jointly by the Internet Security Alliance (ISAlliance), the National Association of Manufacturers (NAM) and RedSiren Technologies Inc. one year after September 11th, 2001, 40 percent of respondents reported that information security was considered more important than prior to September 11th. Yet almost one-third said their companies were still not adequately equipped to deal with an attack on their computer networks. The survey concluded that “many organizations need to revise how security risks, threats and costs are identified, measured and managed.”Is our information more secure two years after September 11th? Unfortunately, not by a lot. While some trends since 9/11 demonstrate progress in the field of information protection, opportunities for better information security practices clearly remain. </p>]]></content:encoded> <wfw:commentRss>https://cdgamfeln.info/corporate-information-security-is-our-information-more-secure-since-september-11th/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Credit Counseling Agencies – How a Credit Counseling Agency Can Lower Your Monthly Payments</title> <link>https://cdgamfeln.info/credit-counseling-agencies-how-a-credit-counseling-agency-can-lower-your-monthly-payments</link> <comments>https://cdgamfeln.info/credit-counseling-agencies-how-a-credit-counseling-agency-can-lower-your-monthly-payments#comments</comments> <pubDate>Sat, 01 Apr 2023 08:21:15 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Credit Counseling]]></category> <guid isPermaLink="false">http://cdgamfeln.info/?p=38</guid> <description><![CDATA[When you’re trying to pay down your debt sometimes going to the right high caliber outside agency will actually lower your debt and lower your monthly payments. Nowadays many people go to a credit counseling service for this help. A credit counseling agency can help you if you have a large amount of outstanding debts.But [...]]]></description> <content:encoded><![CDATA[<p> When you’re trying to pay down your debt sometimes going to the right high caliber outside agency will actually lower your debt and lower your monthly payments. Nowadays many people go to a credit counseling service for this help. A credit counseling agency can help you if you have a large amount of outstanding debts.But you must do a thorough check on any agency you are considering because unfortunately a lot of unscrupulous agencies have sprung up whose sole business purpose is to take advantage of people in need. There are a number of ways to find legitimate credit counseling agencies.The first thing would be to go on the Internet to the National Foundation For Credit. Pick one of their member agencies. They’re certified by the NFCC and they’re non-profit. Being a non-profit credit counseling agency does not necessarily guarantee that they are legitimate, but it’s a good place to begin. When you get in touch with a credit counseling agency they’ll make an appointment for you to bring in lists of your income (if any), assets, and expenses along with any letters you have from all the people you owe money to.The goal of a legitimate agency is to negotiate lower interest rates as well as lower you monthly payments. The goal of a bogus agency is to separate you from your money. Legitimate credit counseling agencies might be able to negotiate lump sum payoffs that are less than the total that you owe. Keep in mind that if you go this route it will be noted on your credit report – and that will lower your credit score.However, at this point in time your credit is probably challenged anyway. So doing this can make life easier for you and ultimately put you back on the road to a better credit rating.How It WorksYou’ll pay the credit counseling agency a small monthly setup fee and perhaps an additional fee for each account that you owe money to. In return they will contact your creditors and negotiate lower monthly payments. For example, if you’re paying off five bills and they charge $5 each, that comes to $25 per day. You would give a check to the agency and they will pay these creditors.The Advantages of Using A Credit Counseling AgencyYour major advantage is that they can often negotiate lower interest rates and lower fees than you’d be able to on your own. That doesn’t mean that you should blindly accept their advice. Look carefully at the plan they are proposing. See if it makes sense. If their plan doesn’t look like it will save you money or help you to pay off your debt sooner don’t feel pressured to do it.Also, because there are so many bogus credit counseling agencies, most people do considerably more research into a company’s background before they sign an agreement with the one they want to represent them. </p>]]></content:encoded> <wfw:commentRss>https://cdgamfeln.info/credit-counseling-agencies-how-a-credit-counseling-agency-can-lower-your-monthly-payments/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Ten Critical Questions You Must Ask When Searching For A Legitimate Network Marketing Business</title> <link>https://cdgamfeln.info/ten-critical-questions-you-must-ask-when-searching-for-a-legitimate-network-marketing-business</link> <comments>https://cdgamfeln.info/ten-critical-questions-you-must-ask-when-searching-for-a-legitimate-network-marketing-business#comments</comments> <pubDate>Fri, 31 Mar 2023 22:08:25 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Business]]></category> <guid isPermaLink="false">http://cdgamfeln.info/?p=35</guid> <description><![CDATA[So you’ve decided to start a home based business, but you are not sure if the network marketing company you want to join is right for you. Everything you have heard about them is “TOPS”. But you’re getting all of your information from the company’s independent associates and the up-line. Every time you get on [...]]]></description> <content:encoded><![CDATA[<p> So you’ve decided to start a home based business, but you are not sure if the network marketing company you want to join is right for you. Everything you have heard about them is “TOPS”. But you’re getting all of your information from the company’s independent associates and the up-line. Every time you get on a conference call, the information they provide sounds great. The presenter say everyone is making tons of money, going on trips all the time, driving expensive cars, and living in mansions. Who wouldn’t want to be part of all that success? They talk about the company, the product, and the opportunity. And then, it’s decision time. All of the excitement gets your adrenalin pumping and you’re ready to jump in. But you decide to be cautious, and do a little research on your own. After you arrive home, and its just you and the mirror, you have second thoughts. “Can I really do this business?”, you ask yourself. “What happens if I can’t get anyone to join?” “Is this one of the legitimate home based business opportunities? Or is this another MLM company that feeds off of people like me?” All of sudden, you are not confident as as you were on the opportunity call. Don’t feel bad because you’re not alone.Tens of thousands of North Americans decide to start a home based business every year. And many of them opt for a network marketing opportunity. But the facts remain the same, whether it is a traditional business venture, or an MLM opportunity, most new home based businesses aren’t successful. Why? Its a combination of poor or no research, bad business planning, and unrealistic income expectations.When a person enters the network marketing arena, it usually goes something like this. A friend invites them to an opportunity meeting or to listen in on a opportunity call. When they do so, They usually get caught up in all the hype, and before they can say “What am I getting myself into?”, they have brought into a business, and joined a company they really know nothing about. It happens all to frequently; from hotel conference rooms to private homes, to conference calls, thousands of people join business opportunities every week.Most of these new business owners never get their business off the ground. And if they do, most never turn a profit. Why? The main reason is that most people aren’t ready to start their own business. They weren’t looking to start a new business in the first place; usually someone else convinced them to do so.But there are some people who are ready, and are looking to get started with a business opportunity. And you may be one of them. If so, you probably already have the passion and the drive to make it happen.You probably have the investment money to get it started. And you probably have the money to sustain yourself and your family while you build your business. You are ready. You have researched a number of MLM and network marketing companies that peak your business interest. And now its time to put them to the test. Here are ten questions you must ask before going into business with a MLM or network marketing company:1. Is the company solid? Financially, and Ethically.A. How long have they been in business and what is their financial situation? There are hundreds, if not thousands of new business opportunities that have popped up in the last ten years. It is a good rule of thumb that if a business has been around for 5 years, they should be making a profit.B. Are there a lot of complaints with the BBB, or your State Attorney General’s office? If a company has more than a few complaints, that should trigger a yellow (caution) flag.2. Is there a real need in the marketplace for their service or products?A. What percentage of people need the product or service? If your product or service is only needed by a small percentage of people, then you will have a difficult time marketing it.B. What percentage of people want the product or service? If everyone wants it, or could use it, but very few know its available, then you might have a gold mine. Still, you will have to get the word out; and that’s where the company will be counting on you. There must be a balance between ‘needs’ and ‘wants’, or supply and demand, for a product to be successful in the marketplace.3. Does their product or service support itself without offering the business opportunity?A. In other words, is the product affordable or is it overpriced? Many companies offer inflated prices on their products or services, making it difficult to sell. Often times this leads the associates selling the business opportunity, instead of offering the products. Beware of companies that offer extremely low commissions when you make a sale on the product side, but give huge bonuses when you recruit someone into the business.B. Is the product or service exclusive to network marketing or can you get it anywhere? If a potential customer can get your product just about anywhere, it will be that much harder for you to make a profit and you will need to be able to convince your potential customer that what you have is better than the rest.4. Do they have a real internet presence?A. Can your prospects purchase the product from you online? This is a must in 21st century network marketing. Building a client base will still require human interaction, but when your customer is ready f to make another purchase, this is the easiest, and safest, way to provide them with immediate access to your product(s).B. Is the company new to the internet? Do they have a proven track record? This is important to your success when it comes time to make the sale, or recruit an associate. A good company will always have an IT department with web developers that keep the content current.5. Can you recruit online?A. Can you manage your down-line online? It is vital to your business to be able to track your sales to the penny. Many companies only provide BPV, or product volume, etc. But you want to have daily access to gauge your sales volume in dollars and cents. This also pertains to your down-line. You should have the potential to send broadcast messages and thing of this sort. It will be a very important for communication with your organization.6. After the initial investment, how much money can you expect to invest before you see a check? One of the advantages in going into business with a MLM or network marketing company is supposed to be the low initial investment. Combined with the potential for quick income, these to items are essential in building a successful business. Its called ROI (Return on Investment). The faster you receive it, the greater potential you have of growing you business. The bottom line is if you don’t see yourself drawing a commission within 90 days of starting you business, then another caution flag should go up.7. How fast and how often do they pay commissions?A. Are checks distributed once a month, once a week, or once a day? Many years ago, MLM companies only cut checks at the end of the month. Today, that’s hardly acceptable. Today, money moves a lot quicker then it use to. And it has to in network marketing. Getting your commissions to you as quickly as possible is vital so that you will have money to sustain your business.B. Are checks direct deposited? Point blank; this is a must.8. Is there a real potential for override income?A. If you are at least one level above your recruit, are you entitled to override income? Some companies expect you and your organization to produce a certain amount of volume, or meet certain monthly quotas, before you can receive override income from your downline. Generally, a good rule is to find a company that offers over-rides; if you recruit someone and they are at least one level below you, you should be entitled to overrides from them and their organization.9. Is there potential for real residual income?A. If your customer continues to buy the product or service, do you get monthly commissions? Residual income means you get paid, as long as the customer you introduced to the company, continues to purchase the service or products. This is a no-brainer and real way to build wealth in network marketing.10. Is there real training?A. When you join a MLM company, more than likely, they will encourage you to make your list by going after your warm market. Your warm market is your relatives, friends, neighbors, and co-workers. They will encourage you to have a home meeting, bring your guests to the weekly hotel meeting, or invite them on a conference call. That is all good for generating a quick return on your investment while you are learning the business. But what happens if and when the list drys up? What happens if the person who recruited you drops out of the business? Are your up-line folks accessible? Are there company sponsored training and events?B. Is there training that teaches you how to really tap into 21st century internet marketing? Today the internet is the engine that drives network marketing. Billions of dollars are earned in network marketing utilizing the world wide web. When you decide on your business, make sure that your recruiter has a plan that will position you so that you will be noticed on-line. Make sure that it includes training that will teach you how to target your market and drive traffic to your website. This is the single most important lesson that you will have to learn to ensure you are successful with your new business.So here you have it. The ten questions that must be asked to determine if the company your are interested in offers a legitimate home based business opportunity. You want a company that will assist you in laying the foundation for real success. If that company provides good, concrete answers to these questions, then it’s a good bet that going into business with them will be beneficial. Researching to find the right company and network marketing business to join could very well be the most rewarding time you will invest in your future. </p>]]></content:encoded> <wfw:commentRss>https://cdgamfeln.info/ten-critical-questions-you-must-ask-when-searching-for-a-legitimate-network-marketing-business/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>5 Empowering Tracks From Female Icons To Make You Feel Inspired</title> <link>https://cdgamfeln.info/5-empowering-tracks-from-female-icons-to-make-you-feel-inspired</link> <comments>https://cdgamfeln.info/5-empowering-tracks-from-female-icons-to-make-you-feel-inspired#comments</comments> <pubDate>Wed, 14 Sep 2022 09:34:51 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[cleaning]]></category> <category><![CDATA[driving]]></category> <guid isPermaLink="false">http://cdgamfeln.info/?p=33</guid> <description><![CDATA[Sometimes we all need a little lift. Whether you’ve had a recent knock to your confidence, have been going through stress in your personal or professional life, or have always struggled with your self-esteem, music is an essential tool for lifting your spirits and making you feel better about yourself. According to a study by [...]]]></description> <content:encoded><![CDATA[<p>Sometimes we all need a little lift. Whether you’ve had a recent knock to your confidence, have been going through stress in your personal or professional life, or have always struggled with your self-esteem, music is an essential tool for lifting your spirits and making you feel better about yourself.</p><p>According to a study by Heriot-Watt University, the type of music you listen to not only influences your mood, but also your personality, with indie and rock/heavy metal fans reporting the lowest levels of self-esteem, while fans of jazz, blues, opera, classical, pop, rap and soul all reported high levels of self-confidence.</p><p>So if you’re having a ‘down day’, why not boost your spirits by listening to some powerful, uplifting tracks? Here are five perfect confidence boosters.</p><p> Britney Spears – Toxic</p><p>Britney’s own struggles with her mental health and conservatorship have made her an inspiration for many people across the world.</p><p>This classic song is timelessly sensual, and the heavy beats throughout make it impossible not to dance to. A welcome blast of nostalgia, this tune has filled dance floors across the globe with fans old and new.</p><p>The video features Britney as a female spy playing the sexy flight attendant, seducing her passenger before she makes her escape on a motorbike and breaks into a high-security facility guarded by a laser security system.</p><p>This track and video is a guaranteed way to feel invincible, and deserves a place on your playlist no matter your mood.</p><p> Kelis – Milkshake</p><p>A cheesy classic that is guaranteed to make you feel all warm and gooey inside, Kelis pumps up the heat in this 00’s RnB track. Underpinned by intricate drum beats and electric elements, Kelis’ self-confidence is infectious, and it’s hard not to find yourself smiling at the lyrics.</p><p>This track is a great way to get into a flirtatious mindset, making it a great choice before going on a date or heading out for the evening.</p><p>And if you’re staying in? It’s a great mood lift. But beware! You may find yourself craving a sweet treat.</p><p> Eve (ft. Gwen Stefani) – Let Me Blow Your Mind</p><p>This RnB classic will capture your attention with its assertive rhythm and powerful vocals from 00’s icons Eve and Gwen Stefani. Featuring a laid-back – yet self-assured – beat, and catchy guitar riff, this is a great track for driving, and its empowering feel is sure to help you feel motivated.</p><p>Got a job interview lined up, or thinking of asking for a raise? This anthemic number is a quick way to feel positive and more assertive.</p><p>The video features Eve and Gwen Stefani crashing an exclusive event on quad bikes, causing a stir among the privileged attendants, and shoving the performer off stage to perform their own music, before finally being arrested and taken to the station in a police van.</p><p>This ‘baddie’ track helps you to tap into the hidden ‘bold’ side of your personality, and lifts your mood while keeping you feeling calm and cool.</p><p> Fergie – MILF$</p><p>If you have kids, it can be difficult to feel sexy. When you’re running around cleaning the house, changing nappies, or up to your elbows in dishwater, you can easily forget your sensual side – leaving you feeling frumpy and lacking in confidence and motivation.</p><p>Thankfully, Fergie’s comeback track is a quick remedy to your low mood and lethargy.</p><p>Featuring attractive mothers dressed in curve-hugging latex and silky lingerie going about their daily life in a dreamy, colourful suburbia, this track is a quick way to transform your self-esteem and transport you to a world where you are not just a mother, but a goddess too.</p><p>Why not shake off the day and tap into your feminine energy with Fergie, your sexiest PJs, and a bottle of your favourite wine?</p><p> Marina And The Diamonds – How To Be A Heartbreaker</p><p>Low confidence after a breakup? You’re not alone. Having your heart broken can leave you feeling depressed, undesirable, and unmotivated. So flip the tables on your ex and become a heartbreaker with Marina’s catchy club classic.</p><p>This empowering dance track will make you want to move your body and get in touch with your bad girl side, with its heavy beat and pounding rhythms.</p><p>Plus, if your libido has suffered as a result of your low mood, take a sneaky peek at the video – it will get your blood pumping with its steamy shower shots and smoking hot male models.</p>]]></content:encoded> <wfw:commentRss>https://cdgamfeln.info/5-empowering-tracks-from-female-icons-to-make-you-feel-inspired/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Pandemic Effects on Hospitality Industries and How They Overcome It</title> <link>https://cdgamfeln.info/the-pandemic-effects-on-hospitality-industries-and-how-they-overcome-it</link> <comments>https://cdgamfeln.info/the-pandemic-effects-on-hospitality-industries-and-how-they-overcome-it#comments</comments> <pubDate>Tue, 13 Sep 2022 09:34:23 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Hospitality]]></category> <category><![CDATA[Industries]]></category> <category><![CDATA[Tour]]></category> <guid isPermaLink="false">http://cdgamfeln.info/?p=31</guid> <description><![CDATA[The COVID-19 pandemic affects many aspects and many sectors of life. As a result, economic sectors are fully affected, and the hospitality industry is no exception. The hospitality industry is known to be the source of job opportunities and supports many livelihoods of millions of workers and their families. Because Indonesia is primarily reliant on [...]]]></description> <content:encoded><![CDATA[<p>The COVID-19 pandemic affects many aspects and many sectors of life. As a result, economic sectors are fully affected, and the hospitality industry is no exception. The hospitality industry is known to be the source of job opportunities and supports many livelihoods of millions of workers and their families. Because Indonesia is primarily reliant on the service sector, the tourist industry plays an important part in the country’s growth. The increase of the COVID-19 cases has brought about a huge increase in the number of workers getting expelled or having their work ended. How did the hospitality industry survive in this era? The pandemic has provided several opportunities for numerous hospitality industries to use specific mechanisms in order to overcome pandemic difficulties.</p><p>Tourism and hospitality industries affected by the COVID-19 pandemic, including hotels, restaurants, resorts, travel agencies, travel and transportation, and real estate, show a significant losing number of tourists. According to the president of the Indonesia Tour Guide Association (HPI, 2020), 45,000 visitors have cancelled their plans to visit main tourist spots in the country between January and May. Furthermore, According to UNWTO (2020), 100-120 million direct and indirect activities were in jeopardy, and foreign tourist numbers decreased 56% year on year from January–May 2020. These noteworthy diminishing numbers primarily influenced the Indonesian financial state. For example, hotel profits have dropped by up to 40%, having an effect on hotel operations and risking business continuity. The drop in international visitors has an effect on the salary of restaurants whose clients are more prevailing than foreign visitors (Block, 2017). Following the dropping, many hospitality industries are taking awareness of tourists’ health risks and protocols taking an advance.</p><p>The recovery of hospitality industries is indistinguishable from the progressively sophisticated information innovation utilized to pull in potential visitors to choose to travel. The regaining of tourist attractions after a pandemic is required to utilize other promoting techniques to advertise their items inventively. First, social media marketing reaches many internet users who are looking for tourist information hospitality industry. This strategy is helpful in advertising and attracts many tourists to find more information related to a tourist attraction in the designated region. Second, Tourism industry players and visitors, as well as government action, are required to arbitrate between the two groups. Government policies must be in the form of the finest judgments to characterize the middle ground between commercial actors and visitors (Anggarini, 2021). This means that provided policy in the hospitality sector during-post pandemics maintains the best solution for both tourists and hospitality owners. Last, all tourism-related activities must adapt to current conditions, in which humans must live alongside Covid-19 (Anggarini, 2021). By all means, many factors, including health issues, hygiene, and safety for tourists, are priorities.</p><p>In conclusion, even though the pandemic is really affecting the hospitality industry as a whole, it gives many advancements of movement done by the hospitality industry to survive. Many resources are being used as the development of technology to provide data destinations insight. In addition, the sophistication of information technology can also facilitate the government in supervising the implementation of safe travel in accordance with government recommendations. All these initiations are good examples of overcoming pandemic situations while running hospitality industries.</p>]]></content:encoded> <wfw:commentRss>https://cdgamfeln.info/the-pandemic-effects-on-hospitality-industries-and-how-they-overcome-it/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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