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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>ejindln.info</title> <atom:link href="http://ejindln.info/feed/" rel="self" type="application/rss+xml" /> <link>https://ejindln.info</link> <description></description> <lastBuildDate>Sun, 05 Nov 2023 23:30:25 +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>The Importance of Excellent Customer Service</title> <link>https://ejindln.info/the-importance-of-excellent-customer-service/</link> <comments>https://ejindln.info/the-importance-of-excellent-customer-service/#comments</comments> <pubDate>Mon, 10 Jul 2023 14:31:29 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ejindln.info/?p=79</guid> <description><![CDATA[Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any … <a href="https://ejindln.info/the-importance-of-excellent-customer-service/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://ejindln.info/the-importance-of-excellent-customer-service/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Thoughts on the Future of the Real Estate Market</title> <link>https://ejindln.info/thoughts-on-the-future-of-the-real-estate-market/</link> <comments>https://ejindln.info/thoughts-on-the-future-of-the-real-estate-market/#comments</comments> <pubDate>Sat, 13 May 2023 20:17:28 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Real Estate]]></category> <category><![CDATA[building]]></category> <category><![CDATA[Buying]]></category> <category><![CDATA[commercial]]></category> <category><![CDATA[Commercial Property]]></category> <category><![CDATA[Construction]]></category> <category><![CDATA[Home]]></category> <category><![CDATA[Home Staging]]></category> <category><![CDATA[Homes]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Marketing]]></category> <category><![CDATA[Property Management]]></category> <guid isPermaLink="false">http://ejindln.info/?p=77</guid> <description><![CDATA[You hear it everywhere. The baby boomers are starting to retire. The stock market and real estate market will suffer as money is pulled out. This hardly seems true for real estate.Thoughts on the Future of the Real Estate MarketBaby … <a href="https://ejindln.info/thoughts-on-the-future-of-the-real-estate-market/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> You hear it everywhere. The baby boomers are starting to retire. The stock market and real estate market will suffer as money is pulled out. This hardly seems true for real estate.Thoughts on the Future of the Real Estate MarketBaby boomers are those individuals born during the period from roughly 1945 to 1964. Following World War II, peace and economic prosperity occurred for roughly twenty years. Along with this came an explosion in the birth rates in the United States. This increase in birth rates created a bulge in the overall population, to wit, the baby boomer generation.As economists and pundits look to the future, they worry about what will happen when baby boomers move out of the job market. Who will replace them? What happens to their money? Will the drain on the stock market from 401k distributions wipe out the stock market? What about real estate where baby boomers are starting to pass their peak earning years? Is everything going to crash? No.The first reason the real estate market will not die is the boomers. They do not just disappear when they retire. Most are continuing to invest in real estate as they start receiving retirement distributions. In 2004, this fact was evidenced by the fact that of all home sales, 35 percent were for second homes. Clearly, the boomers will remain active for some time.There is also a new generation starting to be introduced to the real estate market. While it is true that baby boomers are the largest population bulge we have seen, one has to keep in mind that the boomers had their own offspring. The second largest population bulge we have seen are these children. They are now entering there twenties and thirties, which means they are entering the real estate market as buyers – often borrowing from their parents for down payments.Immigration is a controversial subject. Regardless of your view, the undisputed evidence shows a large number of legal immigrants coming into the country since 1970. Obviously, these individuals and families represent another pool of buyers.Despite the wailing of so-called experts, the real estate market should continue to purr along as it always has. Real estate is still one of the best investments. Yes, there will be fluctuations, but the prophecies of doom and gloom are unsupported by the facts. </p>]]></content:encoded> <wfw:commentRss>https://ejindln.info/thoughts-on-the-future-of-the-real-estate-market/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>10 Questions Everyone Should Ask Before Purchasing Life Insurance</title> <link>https://ejindln.info/10-questions-everyone-should-ask-before-purchasing-life-insurance/</link> <comments>https://ejindln.info/10-questions-everyone-should-ask-before-purchasing-life-insurance/#comments</comments> <pubDate>Sat, 13 May 2023 13:13:25 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[life insurance]]></category> <guid isPermaLink="false">http://ejindln.info/?p=75</guid> <description><![CDATA[Life insurance is one of the most important purchases you’ll ever make. Don’t go in to the purchasing process unarmed and unprepared. Before you commit to any one policy, here are the ten essential questions you need to ask your … <a href="https://ejindln.info/10-questions-everyone-should-ask-before-purchasing-life-insurance/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Life insurance is one of the most important purchases you’ll ever make. Don’t go in to the purchasing process unarmed and unprepared. Before you commit to any one policy, here are the ten essential questions you need to ask your life insurance agent:1. What type of policy makes sense for my lifestyle?With so many types of life insurance policies available today, staying informed on all of them is nearly impossible without the proper guidance. Term, permanent, whole, universal, variable, single, joint, first-to-die-how do you know which policy is right for you?Numerous aspects come into play when looking for your ideal policy, including age, marital status, children or dependents, plans for children, health, and travel tendencies. These lifestyle factors and more should be determined when purchasing a life insurance policy. Find an insurance agent who is willing to commit time to learning exactly who you are and what you need from a policy.2. How does the policy’s premium work?The money paid to purchase life insurance is called premium. Not all policies have the same method for paying premium: some require a lump sum, while others are paid in installments. These installments can be annual, semi-annual, monthly, or even weekly. Decide which payment method is best for your current financial situation, and ask your agent which method he or she recommends.3. Does this policy provide living benefits?Some policies, such as permanent life, allow you to access the cash value of the policy in time of need. Though the main purpose of life insurance is to provide for your family after you’re gone, it can also be a way to provide for your family’s needs while you are living. Living benefits may be used to:<br />Pay for college intuition<br />Add to retirement or disability income<br />Start/assist a business<br />Donate to charity<br />Cover emergencies<br />Ask whether or not using your policy’s cash value now would decrease death benefits your family will receive later.4. Are there any investment options with this policy?When a policy has cash value, it’s possible to invest portions of that money in order to facilitate growth. One of the ways to invest your policy’s cash value is in the market. Think of policies that offer this option as a blend of traditional life insurance and mutual fund like subaccounts.Another benefit to having a policy with cash value is that the interest your policy collects is non-taxable. Also, once your policy gains enough interest, this money can be put towards paying your premium. Keep in mind that some policies are capable of gaining more interest than others. If you’re interested in investing, talk to your agent about the capabilities of the policies they offer.5. What happens when the policy expires?If you’re looking at term life insurance, you are buying insurance for only a set amount of time. Essentially, it means this particular policy has an expiration date.It’s important to understand exactly what occurs when your policy expires. If you are still living at that time, do you receive any value or benefits? Some policies offer zero pay-off if the policy holder lives past the policy expiration date. Before purchasing term life insurance, take time to understand how the policy works in such a scenario.6. Is there a grace period for missed payments?If you run into financial difficulties somewhere down the road, paying your premium on time may not always be a possibility. In such an event, it’s comforting to know that your insurance provider is willing to give you some time to pull funds together instead of immediately penalizing you. Most life insurance policies offer a standard 30-day grace period.7. Does the policy’s death benefit adjust for inflation?Chances are, just because your policy’s death benefit amount sounds like a lot of money today, does not mean it will be a lot of money 50 years from now. Some policies are adjustable, meaning the benefits increase along with the inflation rate, while others do not. There are other ways to compensate for inflation, however, so don’t immediately rule out a policy based on that factor alone. Remember; just ask your agent what options are available to you.8. What is excluded in this policy?One of the easiest ways to fully understand a policy is to find out what it is not. In fact, ask your insurance agent to explain exactly what the policy cannot do for you. If the exclusions are not applicable to you, great! If what they tell you is something you need out of your policy, however, ask if there is a similar policy that offers what this one does not.9. Can this policy be converted to another policy?Perhaps term life insurance is all you can currently afford, yet you know you want to purchase permanent life insurance later. If so, you may want to invest in a smaller life insurance plan that has the ability to transition to a larger plan without losing current benefits in the process. The Insurance industry calls these policies “convertible” because they have the ability to be “converted” to another policy.10. What if my health changes or I become disabled?To set an appropriate premium, insurance providers find out all they can about you, including your health history.The younger and healthier you are, the less expensive your life insurance should be. While you may be fit now, there’s no guarantee your health will never change. It is good to be ready for any possibility, no matter how uncomfortable it may be to think about.If something should affect your health in the future, would your policy adjust to meet your situation? Would it be able to provide you the benefits you need? How much would your premium increase? These questions are absolutely essential to ask before purchasing life insurance.Educating yourself on life insurance could be the difference between finding the right policy and getting stuck with one that doesn’t quite fit your needs or life circumstance. Before making any big decisions, ask your agent or provider these ten questions. If they are unwilling or unable to give satisfactory answers, it may be a sign to seek other options.A good life insurance agent will give thorough replies-and maybe even add some extra wisdom of their own! The more you know the better prepared you’ll be; don’t let anything keep you from securing your family’s future. </p>]]></content:encoded> <wfw:commentRss>https://ejindln.info/10-questions-everyone-should-ask-before-purchasing-life-insurance/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Digital Scrapbooking Tutorials – First Lessons in Creating a Scrapbook</title> <link>https://ejindln.info/digital-scrapbooking-tutorials-first-lessons-in-creating-a-scrapbook/</link> <comments>https://ejindln.info/digital-scrapbooking-tutorials-first-lessons-in-creating-a-scrapbook/#comments</comments> <pubDate>Thu, 11 May 2023 15:22:03 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[digita; artist]]></category> <category><![CDATA[digital]]></category> <category><![CDATA[digital art]]></category> <category><![CDATA[digital art app]]></category> <category><![CDATA[digital art for beginners]]></category> <category><![CDATA[digital art in iphone]]></category> <category><![CDATA[digital art mistakes]]></category> <category><![CDATA[digital art on mobile]]></category> <category><![CDATA[digital art on phone]]></category> <category><![CDATA[digital art painting]]></category> <category><![CDATA[digital art process]]></category> <category><![CDATA[digital art programs]]></category> <category><![CDATA[digital art software]]></category> <category><![CDATA[digital art supplies]]></category> <category><![CDATA[digital art tip]]></category> <category><![CDATA[digital art tips]]></category> <category><![CDATA[digital art tutorial]]></category> <category><![CDATA[digital artist]]></category> <category><![CDATA[digital artist setup]]></category> <category><![CDATA[digital drawing]]></category> <category><![CDATA[digital painting]]></category> <category><![CDATA[digital products]]></category> <category><![CDATA[trying digital art]]></category> <category><![CDATA[what is digital art?]]></category> <guid isPermaLink="false">http://ejindln.info/?p=73</guid> <description><![CDATA[The art of making scrapbooks is toady getting at the top of the most fashionable pastimes. However, there are still lots of people who look upon this art as just creating an album from some materials. This is true in … <a href="https://ejindln.info/digital-scrapbooking-tutorials-first-lessons-in-creating-a-scrapbook/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> The art of making scrapbooks is toady getting at the top of the most fashionable pastimes. However, there are still lots of people who look upon this art as just creating an album from some materials. This is true in one sense, but it is more than this when looked from another angle. There are lots of things you ought to know. This is especially true if you are a novice to this art. Most of these will never be known if you fail to read through the following lines:You should begin by knowing what a scrapbook is all about. In the simplest sense of the word, a scrapbook is a volume of pages created with the use of materials that is often taken to mean waste materials. These waste materials may range from pieces of paper, cloths and even plastic and a range of other items. In the days gone, people used to produce scrapbook as a means to replicate meaningful events in the life of a person. These pages would then be fastened in a unified whole by using either a string or a ring. These were mostly done for personal use. What obtains today is that these scrapbooks are made and sold to others. In most cases, they are made leaving their pages empty. It is then left for you to post whatever picture you will want or whatever caption you will like to associate with the pictures. The coming of technology has facilitated the production of scrapbooks so much so that people can now design scrapbooks electronically to be printed ahead of selling them.The art of making a scrapbook is no longer considered a difficult task. In fact, everyone and even kids can successfully come up with a scrapbook of their choice. All what is needed is that you should possess the basic materials and you should know how to go about the whole process. Ahead of getting to work, you should begin by coming up with a theme for the scrapbook. Keep in mind that every scrapbook must have something special to relate to the mind. One of the simplest ways of getting to a theme of a scrapbook is to look at those memorable events in the life of a person and try to see if you could fashion out your scrapbook to reflect those events. Once this is done, you should browse through you album or anywhere that you can get some of those memorable pictures. Remember that you can turn to your friends for help. The essence is that you should have as much pictures so that your scrapbook does not end up wanting of pictures.After finding a theme for your scrapbook, you should go ahead to find the materials that will be used to build up the scrapbook. You may want to take a look at the arts and scrap shops around the corner. Remember to look for durable papers and quality stickers. Keep in mind that it is your duty to ensure that these materials do not have acidic properties in them. Remember that they can easily destroy your pictures when they get in touch with the pictures.There are also a good lot of these materials that can be found at home. All you have to do is to look through your old days and select what you think will be appropriate for your scrapbook.When you are through with the above, it is time for you to focus on making your scrapbook. Remember that you will not have to focus all your attention to the first pages. You should evenly distribute all your items on all the pages. </p>]]></content:encoded> <wfw:commentRss>https://ejindln.info/digital-scrapbooking-tutorials-first-lessons-in-creating-a-scrapbook/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Those Pesky Don’t Do Digital Clients – Another Way to Market Them</title> <link>https://ejindln.info/those-pesky-dont-do-digital-clients-another-way-to-market-them/</link> <comments>https://ejindln.info/those-pesky-dont-do-digital-clients-another-way-to-market-them/#comments</comments> <pubDate>Thu, 11 May 2023 10:19:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Digital Arts]]></category> <category><![CDATA[digita; artist]]></category> <category><![CDATA[digital]]></category> <category><![CDATA[digital art]]></category> <category><![CDATA[digital art app]]></category> <category><![CDATA[digital art for beginners]]></category> <category><![CDATA[digital art in iphone]]></category> <category><![CDATA[digital art mistakes]]></category> <category><![CDATA[digital art on mobile]]></category> <category><![CDATA[digital art on phone]]></category> <category><![CDATA[digital art painting]]></category> <category><![CDATA[digital art process]]></category> <category><![CDATA[digital art programs]]></category> <category><![CDATA[digital art software]]></category> <category><![CDATA[digital art supplies]]></category> <category><![CDATA[digital art tip]]></category> <category><![CDATA[digital art tips]]></category> <category><![CDATA[digital art tutorial]]></category> <category><![CDATA[digital artist]]></category> <category><![CDATA[digital artist setup]]></category> <category><![CDATA[digital drawing]]></category> <category><![CDATA[digital painting]]></category> <category><![CDATA[digital products]]></category> <category><![CDATA[trying digital art]]></category> <category><![CDATA[what is digital art?]]></category> <guid isPermaLink="false">http://ejindln.info/?p=70</guid> <description><![CDATA[The beauty of digital transmission of photos is that one image can be seen in forty (or forty million!) different places– all at one time. I wish that I could write that all photobuyers are accepting, or are ready to … <a href="https://ejindln.info/those-pesky-dont-do-digital-clients-another-way-to-market-them/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> The beauty of digital transmission of photos is that one image can be seen in forty (or forty million!) different places– all at one time. I wish that I could write that all photobuyers are accepting, or are ready to accept digital images via disk or on-line. They aren’t. Even though the digital concept is sound, and the technology is available, many of your photobuyers may continue to cling to 20th century methods for accepting transparencies only.We are all faced with the dilemma and transition that this technology presents us. Should we “wait” until the greater majority of our photobuyers are up to digital speed, or should we operate as if digital photography did not exist?My advice would be: Go at it, ‘business as usual.’ Here at PhotoSource International we find that 90% of editorial photobuyers have made the switch to digital. However, what you do about those lucrative accounts that still have not made the transition? As long as you’ve developed existing clients, you can always make the transition to digital when they are ready. Eventually, when they are ready to make the transition (it’s usually a budget decision), you’ll be able to offer advice. By helping them through the transition period you’ll have increased their dependence on you as a supplier.INTERIM MARKETING<br />In the meantime, you’ll need to wrestle with the age-long problem of sending original transparencies to those photobuyers on your Market List.<br />Since your images are your stock in trade, you want to have them available when you get a photo request. If some of your original transparencies are at a photobuyer’s, being held for consideration, those images are tied up and can’t be out there available for sales opportunities.<br />Stock photographers are put in a bind when a photobuyer holds a transparency longer than normal. (“Normal” is two to three weeks.) On the one hand, if, after three or four weeks, you ask for the transparency’s return, you might lose a possible sale. And on the other hand, if you let it remain at the publishing house, you have taken it out of circulation and others can’t see it (or buy it).One of the answers to this dilemma is to always make “in-camera dupes” when you are photographing with film. This way you’ll always have extra “originals” and not be at a disadvantage when one buyer holds your picture(s) too long. Then you can circulate these other “similars” to buyers on your list who “don’t do digital.”THEY’RE HOLDING YOUR IMAGESWhat is an acceptable amount of time to hold an image? Magazines, with their short turn-around time, will usually hold a picture no longer than two weeks. Book publishers, in contrast, because of the complexities of putting an entire book together, will hold a transparency six to eight weeks or more, depending on the situation.Publishers to avoid are those who by their actions show a disregard for photographers and little or no sensitivity to their need to keep pictures moving. Either because of faulty administrative practices or just plain ineptitude, these photo editors tend to hold transparencies well beyond a fair length of time. Publishers of bird, horse, and pet magazines, particularly, will often be lax and sometimes cantankerous in their attitude toward photos and photographers. (This comes from their advantage of having a huge number of photos and photographers to choose from.)NO WORRIES: THE PERMANENT FILEProbably the best way to solve the “holding” problem is to place your duplicate slides in a publishing house(s) that maintains a “Permanent File.” This, of course, would be publisher you’ve worked with a good while, and who has a track record for handling photographers well.<br />In their central art library, an administrator files your (reproduction-quality) duplicate slides or B&W prints for possible future use. When a photo researcher at the publishing house uses one of your pictures, you receive a check. After publication, the image is returned to the central file until it is re-used, and a fee again is paid to you, usually 75% of the original fee they paid you.<br />This no-worry method has been used for years by longtime stock photography professionals.THE DIGITAL ADVANTAGEOnce your publishing house begins to realize the digital advantage of storing photos for reference in this manner, you will be able to scan appropriate photos in your collection and download them digitally to a publishing company’s central art library. It’s much more to your advantage to keep your digital pictures with a trusted buyer, rather than hoard them at home where no one can see them.As far as thievery goes, yes, I have had a couple of reports where a new art director has come in and assumed that all the photos in their digital file belonged to the publishing house and therefore were accessible. However, we’re speaking of the early stages of a new technology, and a new working method, and such change is always fraught with mistakes and inconsistency. Give it a chance. You’ll find that as we progress in this new digital era, we’ll find fewer and fewer errors.You’ll also update your digital collection when you return from a trip or assignment. You’ll repeat this process with each of the small core of publishing houses you work with. And, because you are a specialist in their specialized interest area (aviation, dog training, environment, agriculture, butterflies, backpacking) there will be little need for them to go outside their central library to obtain that “just right” image. </p>]]></content:encoded> <wfw:commentRss>https://ejindln.info/those-pesky-dont-do-digital-clients-another-way-to-market-them/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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