![[Valid RSS]](images/valid-rss-rogers.png "Valid RSS")
This is a valid RSS feed.
This feed is valid, but interoperability with the widest range of feed readers could be improved by implementing the following recommendations.
... rel="self" type="application/rss+xml" />
^
line 31, column 0: (3 occurrences) [help]
<content:encoded><![CDATA[<p><![CDATA[<br />
<?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>gemmasjln.info</title> <atom:link href="http://gemmasjln.info/feed" rel="self" type="application/rss+xml" /> <link>https://gemmasjln.info</link> <description>Just another WordPress site</description> <lastBuildDate>Wed, 13 Mar 2024 18:18:03 +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>Sales Techniques And Strategies: Boost Your Success In 2023</title> <link>https://gemmasjln.info/sales-techniques-and-strategies-boost-your-success-in-2023</link> <comments>https://gemmasjln.info/sales-techniques-and-strategies-boost-your-success-in-2023#comments</comments> <pubDate>Fri, 01 Dec 2023 16:43:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gemmasjln.info/?p=54</guid> <description><![CDATA[Introduction Welcome to our blog post dedicated to the latest sales techniques and strategies in 2023. In this ever-evolving business landscape, it’s crucial to stay updated with the most effective methods to boost your sales and achieve success. Whether you’re a seasoned sales professional or just starting out, this article will provide you with valuable [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="5 Powerful Sales Prospecting Strategies Sales prospecting" src="https://i.pinimg.com/originals/0d/e4/ae/0de4aef0e119e4d5ed66ee4fde3cf431.jpg" _mce_src="https://i.pinimg.com/originals/0d/e4/ae/0de4aef0e119e4d5ed66ee4fde3cf431.jpg" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><h2>Introduction</h2><p>Welcome to our blog post dedicated to the latest sales techniques and strategies in 2023. In this ever-evolving business landscape, it’s crucial to stay updated with the most effective methods to boost your sales and achieve success. Whether you’re a seasoned sales professional or just starting out, this article will provide you with valuable insights and tips to enhance your sales performance.</p><h2>Understanding the Customer</h2><p>One of the fundamental aspects of successful sales is understanding your customer. Take the time to research and analyze your target audience’s needs, preferences, and pain points. By tailoring your sales approach to meet their specific requirements, you can establish a deeper connection and increase the likelihood of closing a sale.</p><h3>Building Rapport</h3><p>Building rapport is another essential aspect of effective sales techniques. Establishing a genuine connection with your potential customers helps to build trust and credibility. Active listening, empathy, and finding common ground are crucial elements in building strong relationships with your prospects.</p><h3>Effective Communication</h3><p>Clear and concise communication is key to successful sales. Ensure that you articulate your message effectively, addressing the benefits and value of your product or service. Use persuasive language and highlight how your offering can solve your customer’s pain points and improve their lives.</p><h2>Utilizing Technology</h2><p>In today’s digital age, leveraging technology can greatly enhance your sales strategies. Utilize customer relationship management (CRM) software to track and manage your leads effectively. Additionally, explore automation tools that can streamline your sales process, freeing up time for more meaningful interactions with potential customers.</p><h3>Personalization through Data Analysis</h3><p>Data analysis plays a crucial role in creating personalized sales experiences. By analyzing customer data, you can identify patterns and preferences, allowing you to tailor your sales approach accordingly. Personalization fosters a sense of individual attention, making your prospects more likely to convert into loyal customers.</p><h2>A Proactive Approach</h2><p>Successful sales professionals are proactive rather than reactive. Take the initiative to reach out to potential customers, engage in meaningful conversations, and address any concerns they may have. By being proactive, you can stay ahead of the competition and increase your chances of closing deals.</p><h3>Continuous Learning and Skill Development</h3><p>The sales landscape is constantly evolving, and it’s crucial to stay updated with the latest industry trends and techniques. Invest in continuous learning and skill development through workshops, webinars, or industry conferences. Sharpening your sales skills will give you a competitive edge and increase your chances of success.</p><h2>The Power of Follow-Up</h2><p>Many sales are lost due to a lack of follow-up. Following up with potential customers not only demonstrates your commitment but also allows you to address any additional questions or concerns they may have. Implement a systematic follow-up strategy to stay top-of-mind and increase your chances of converting prospects into customers.</p><h3>Building Long-Term Relationships</h3><p>Successful sales professionals focus not only on closing individual deals but also on building long-term relationships with their customers. Nurture your existing customer base by providing exceptional post-sales service, personalized offers, and ongoing support. Satisfied customers are more likely to become brand advocates, leading to organic referrals and repeat business.</p><h2>Conclusion</h2><p>By implementing these sales techniques and strategies, you can enhance your sales performance and achieve greater success in 2023. Remember to understand your customers, utilize technology, be proactive, continuously learn, and prioritize building long-term relationships. With dedication and the right approach, you can take your sales to new heights and surpass your targets.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://gemmasjln.info/sales-techniques-and-strategies-boost-your-success-in-2023/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Business Funding Options In 2023</title> <link>https://gemmasjln.info/business-funding-options-in-2023</link> <comments>https://gemmasjln.info/business-funding-options-in-2023#comments</comments> <pubDate>Fri, 01 Dec 2023 16:42:55 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gemmasjln.info/?p=52</guid> <description><![CDATA[Introduction Starting a business or expanding an existing one requires adequate funding. In 2023, there are several funding options available for entrepreneurs and business owners. In this article, we will explore some of the most popular business funding options that can help you take your venture to the next level. 1. Small Business Administration (SBA) [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="Know and compare your options for business funding. PayPal" src="https://i2.wp.com/www.paypalobjects.com/digitalassets/c/okm/us/business-resource-center/images/small-business-financing-options/Small_Business_Financing_Options_Chart.png" _mce_src="https://i2.wp.com/www.paypalobjects.com/digitalassets/c/okm/us/business-resource-center/images/small-business-financing-options/Small_Business_Financing_Options_Chart.png" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><p><head></head><body></p><h2>Introduction</h2><p>Starting a business or expanding an existing one requires adequate funding. In 2023, there are several funding options available for entrepreneurs and business owners. In this article, we will explore some of the most popular business funding options that can help you take your venture to the next level.</p><h2>1. Small Business Administration (SBA) Loans</h2><p>The Small Business Administration offers loans to small businesses with favorable terms and interest rates. These loans can be used for various purposes, including working capital, equipment purchase, or real estate investment. SBA loans provide a reliable source of funding for businesses with a solid business plan and good credit history.</p><h2>2. Crowdfunding</h2><p>Crowdfunding has gained popularity in recent years as a way to raise funds for business ventures. Through online platforms, entrepreneurs can showcase their business ideas and attract investors who are willing to contribute small amounts of money. Crowdfunding allows businesses to access capital while also generating buzz and building a customer base.</p><h2>3. Angel Investors</h2><p>Angel investors are individuals who provide financial backing to early-stage businesses in exchange for ownership equity or convertible debt. These investors often have industry experience and can bring valuable expertise and connections to the table. Pitching your business idea to angel investors can provide the capital needed to launch or grow your business.</p><h2>4. Venture Capital</h2><p>Venture capital firms invest in high-growth potential startups in exchange for equity. These firms typically provide larger amounts of funding compared to angel investors. Venture capitalists often take an active role in the businesses they invest in, providing guidance and mentorship to help drive success.</p><h2>5. Grants</h2><p>There are various grants available for businesses from government agencies, foundations, and organizations. These grants do not require repayment and can be a great source of funding for businesses working on specific projects or in certain industries. However, securing grants can be competitive, and the application process may require detailed proposals and documentation.</p><h2>6. Business Credit Cards</h2><p>Business credit cards provide a convenient way to access funds for day-to-day expenses or small-scale investments. They offer flexibility and can help establish credit for your business. However, it’s important to use business credit cards responsibly to avoid excessive debt and high-interest rates.</p><h2>7. Personal Savings</h2><p>Using personal savings to fund your business is a common option for many entrepreneurs. It allows you to retain full control and ownership of your business without taking on debt or diluting equity. However, using personal savings can be risky, and it’s important to have a backup plan in case your business faces unexpected challenges.</p><h2>8. Peer-to-Peer Lending</h2><p>Peer-to-peer lending platforms connect borrowers directly with individual lenders. These platforms facilitate loans without the involvement of traditional financial institutions. Peer-to-peer lending can be a viable option for businesses that may not meet the strict requirements of banks or other lenders.</p><h2>Conclusion</h2><p>When it comes to funding your business, there are numerous options to explore in 2023. Whether you choose to pursue loans, seek investors, or tap into personal savings, it’s crucial to assess your business needs, evaluate the terms and conditions, and make an informed decision that aligns with your long-term goals. Remember, each funding option has its advantages and disadvantages, so choose wisely and seek professional advice if needed.</p>]]></content:encoded> <wfw:commentRss>https://gemmasjln.info/business-funding-options-in-2023/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Business Ethics And Values In 2023</title> <link>https://gemmasjln.info/business-ethics-and-values-in-2023</link> <comments>https://gemmasjln.info/business-ethics-and-values-in-2023#comments</comments> <pubDate>Fri, 01 Dec 2023 16:42:29 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gemmasjln.info/?p=50</guid> <description><![CDATA[The Importance of Business Ethics Ethics play a crucial role in the success and sustainability of any business. In 2023, as the world becomes more interconnected, businesses are under increasing scrutiny to ensure ethical practices are followed. Business ethics refer to the moral principles and values that guide the actions and decisions of individuals and [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="Difference Between Ethics and Values Definitions and Differences" src="https://i2.wp.com/pediaa.com/wp-content/uploads/2016/05/Difference-Between-Ethics-and-Values-infographic.jpg" _mce_src="https://i2.wp.com/pediaa.com/wp-content/uploads/2016/05/Difference-Between-Ethics-and-Values-infographic.jpg" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><p><head></head><body></p><h2>The Importance of Business Ethics</h2><p>Ethics play a crucial role in the success and sustainability of any business. In 2023, as the world becomes more interconnected, businesses are under increasing scrutiny to ensure ethical practices are followed. Business ethics refer to the moral principles and values that guide the actions and decisions of individuals and organizations in the business world.</p><h3>The Role of Values</h3><p>Values serve as the foundation for ethical behavior in business. They provide a framework for decision-making and guide employees on how to act ethically in various situations. In 2023, businesses are recognizing the importance of aligning their values with their actions to build trust with stakeholders and maintain a positive reputation.</p><h3>Transparency and Accountability</h3><p>In today’s digital age, transparency is more important than ever before. Businesses need to be open and honest about their practices, policies, and impact on society. This includes being transparent about their supply chains, environmental impact, and treatment of employees. Accountability is also crucial, as businesses must take responsibility for their actions and make amends when necessary.</p><h3>Addressing Social and Environmental Issues</h3><p>Businesses in 2023 are increasingly expected to address social and environmental issues. This includes promoting diversity and inclusion, reducing their carbon footprint, and supporting local communities. By taking a proactive stance on these issues, businesses can not only contribute to a better society but also attract socially conscious consumers.</p><h2>Building a Culture of Ethics</h2><p>Creating a culture of ethics within a business is essential for long-term success. This involves fostering an environment where ethical behavior is encouraged and rewarded. In 2023, businesses are implementing ethics training programs, establishing codes of conduct, and providing resources for employees to raise ethical concerns.</p><h3>Ethics in Leadership</h3><p>Leaders play a critical role in shaping the ethical culture of a business. In 2023, the focus is on leaders who lead by example, demonstrating integrity, fairness, and ethical decision-making. By setting the right tone at the top, leaders can inspire their teams to act ethically and uphold the values of the organization.</p><h3>Encouraging Ethical Decision-Making</h3><p>Businesses are realizing the importance of empowering employees to make ethical decisions. In 2023, companies are providing training and resources to help employees navigate ethical dilemmas. This includes promoting open communication, encouraging dialogue about ethical issues, and establishing clear guidelines for decision-making.</p><h2>The Benefits of Business Ethics</h2><p>Adhering to business ethics and values brings numerous benefits to organizations. In 2023, businesses that prioritize ethics can enhance their reputation, attract and retain top talent, foster customer loyalty, and gain a competitive advantage in the marketplace. Ethical behavior also leads to stronger relationships with stakeholders and a more sustainable business model.</p><h3>Long-Term Sustainability</h3><p>By embracing ethical practices, businesses can contribute to the long-term sustainability of the economy, society, and the environment. In 2023, sustainability is a top priority for many organizations, as they recognize the interconnectedness of economic, social, and environmental factors. By integrating sustainability into their business strategies, companies can ensure their continued success in the future.</p><h3>Conclusion</h3><p>In conclusion, business ethics and values are of utmost importance in 2023. Companies that prioritize ethical behavior, transparency, and accountability can build trust, enhance their reputation, and create a positive impact on society. By fostering a culture of ethics and aligning their actions with their values, businesses can thrive in the ever-evolving global landscape.</p>]]></content:encoded> <wfw:commentRss>https://gemmasjln.info/business-ethics-and-values-in-2023/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Reasons to Apply For a Commercial Loan</title> <link>https://gemmasjln.info/reasons-to-apply-for-a-commercial-loan</link> <comments>https://gemmasjln.info/reasons-to-apply-for-a-commercial-loan#comments</comments> <pubDate>Thu, 06 Apr 2023 19:23:52 +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://gemmasjln.info/?p=44</guid> <description><![CDATA[When you’re starting out in business, you might think that the capital you set aside to get started in business is all you are going to need. You plan to turn your profits back into the company and grow using your proceeds as funding. The truth of the matter is – most expansions cost a [...]]]></description> <content:encoded><![CDATA[<p> When you’re starting out in business, you might think that the capital you set aside to get started in business is all you are going to need. You plan to turn your profits back into the company and grow using your proceeds as funding. The truth of the matter is – most expansions cost a lot more than just your profit can handle. Commercial loans, even when used for the short term, are an essential part of growth. Let’s look at some of the main reasons you would want to apply for a commercial loan.First, purchasing or leasing new properties is costly. If you are looking to add new locations for your business, you will need to take out a commercial real estate loan. Banks expect this when companies are ready to expand, and that makes commercial real estate loans some of the most common kinds of commercial loans available. Being able to demonstrate a profit and a positive outlook for that to continue are important for the bank to consider.Second, if you need to buy new equipment or you are adding equipment to current or future locations, you may need a commercial loan. You may wish to consider leasing over purchasing, depending on how long you intend to keep the equipment. If it would be for as long as or longer than the loan term, then a purchase makes sense. You also can take the depreciation tax deduction as long as you are able to.Third, you might find that you need to add to your inventory, especially around the peak shopping seasons if you are a retailer. You might want to consider a very short term loan to purchase your inventory, then pay off the loan after your successful Christmas season or back to school season.Fourth, you may just need a boost to your general operating capital. These types of loans can help you weather rough financial times or get you started. Because these are more risky types of loans, the interest rate charged on them will be higher than on the short term inventory loans or even a real estate loan. But, when a business needs it, the loan is essential and can be the difference between making it or not making it.Fifth, there is your vehicle fleet to consider. You might have started your delivery business with your own pickup truck, but as you grow, it’s time to think about a bigger vehicle that is branded for your company. Here again it might be worthwhile to lease instead of purchase the vehicle, especially if you want to turn in the vehicle every two years and get a new one.All of these are kinds of debt financing. There is also equity financing, the kind businesses get from venture capital firms that typically confer a partial share of ownership to the capital lender as collateral. These are often the kind used for business owners (or potential business owners) who don’t have much startup capital of their own.Still, getting a financial boost from a commercial loan is not something to undertake lightly. Think things over, consider where you are now, where you want to be in five years, and where you want to be in ten years. Then, talk things over with a financial advisor to get his or her expertise and formulate your plan. Good luck, and may the growth be with you. </p>]]></content:encoded> <wfw:commentRss>https://gemmasjln.info/reasons-to-apply-for-a-commercial-loan/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Decorating Ideas and Tips for Home Interior Designs</title> <link>https://gemmasjln.info/decorating-ideas-and-tips-for-home-interior-designs</link> <comments>https://gemmasjln.info/decorating-ideas-and-tips-for-home-interior-designs#comments</comments> <pubDate>Thu, 06 Apr 2023 16:58:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[home]]></category> <category><![CDATA[Building]]></category> <category><![CDATA[Buying]]></category> <category><![CDATA[Commercial]]></category> <category><![CDATA[Commercial Property]]></category> <category><![CDATA[Construction]]></category> <category><![CDATA[Home Staging]]></category> <category><![CDATA[Homes]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Marketing]]></category> <category><![CDATA[Property Management]]></category> <category><![CDATA[Real Estate]]></category> <guid isPermaLink="false">http://gemmasjln.info/?p=42</guid> <description><![CDATA[An important aspect of home decorating is choosing home decorating fabric. When picking a theme such as Victorian, Modern or Oriental, the choice of fabric makes a difference to the overall theme. There are many kinds of home decorating fabric.Have you ever thought about the many different furniture styles? Probably you have ever watched a [...]]]></description> <content:encoded><![CDATA[<p> An important aspect of home decorating is choosing home decorating fabric. When picking a theme such as Victorian, Modern or Oriental, the choice of fabric makes a difference to the overall theme. There are many kinds of home decorating fabric.Have you ever thought about the many different furniture styles? Probably you have ever watched a program TV, where they showed people how to update an entire room of your house; let’s say the living room or bedroom. You can also read everywhere about the rustic style or about the Italian designs. However, do you know really what do these styles mean? We go deep into the different styles, which are the most demanded around the globe.By keeping furniture items to a minimum you will create extra floor space and give the room a clean, uncluttered look. Diminish “solid shapes” by choosing furniture with legs that help create a sense of space–a home decorating ideas to use over and over!If you are creative and eclectic, then you can be specific as family gatherings, antiques, gardening, entertaining at home, and encourage the old things in general. This means you may want to include anything done at home as additional decorative accessories. Adding antique furniture, carpets as well as window curtains that largely match your personality is also a good decorating option.The color, including whether it is warm, cool, or a neutral, will impact the feeling one has when entering the room. The process of painting a room is also time-consuming, so it is important to pick the right paint for the space and purchase quality paint that will last. Since paint is the foundation to any overall decorating ideas, it is a savvy decision to work directly with a paint specialist store. Partnering with a paint specialist store will make the daunting process of choosing paint much simpler and is a surefire way to deliver the best home interior decorating results.HOME2 DECOR built our solid reputation one project at a time by carefully listening to our clients’ needs, working within their budget and creating a breathtaking home that reflects their lifestyle. We understand your home is your sanctuary, a unique setting that should encourage, enhance and support your energy, productivity, pleasure and relaxation.As a final low-cost home decor ideas, don’t assume that you’ll have to buy new furniture to make-over the decor in your room. Believe it or not, simply rearranging your furniture and decorative items can be enough of a change to produce a new looks which will achieve the results you want and work great for your room. </p>]]></content:encoded> <wfw:commentRss>https://gemmasjln.info/decorating-ideas-and-tips-for-home-interior-designs/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Money for a Car: A Guide to Auto Financing</title> <link>https://gemmasjln.info/money-for-a-car-a-guide-to-auto-financing</link> <comments>https://gemmasjln.info/money-for-a-car-a-guide-to-auto-financing#comments</comments> <pubDate>Sat, 01 Apr 2023 19:44:31 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Finance]]></category> <guid isPermaLink="false">http://gemmasjln.info/?p=40</guid> <description><![CDATA[Nobody wants to be the dumb buyer in a car buying deal. You have to be smart or you end up losing more money than you ought to. It is a very common scheme among car buyers to first get money in order to buy a new car.The term is called “auto financing” and it [...]]]></description> <content:encoded><![CDATA[<p> Nobody wants to be the dumb buyer in a car buying deal. You have to be smart or you end up losing more money than you ought to. It is a very common scheme among car buyers to first get money in order to buy a new car.The term is called “auto financing” and it simply means how you pay for a vehicle. You can finance a car by taking out an auto loan to own a car, in which case, you have two options: You either use the money from the loan to buy the car, or use it for lease.If this isn’t your first time buying a car, you might already know that the salesman or your car dealer will be checking your credit report before starting with the negotiations. But this is not the only way you can go to get that new car of yours. The seller will try to sweeten the deal and offer you special car finance situations in exchange for throwing yourself totally at his mercy. That is not a path you have to choose.The key is preparation. Knowing what auto financing options you have before you get to the dealership will mean that you can take charge of your credit and take charge of your car loan.Just remember, when you negotiate with the salesman for the most favorable auto loan, nothing is permanent until you have it in writing. So haggle and then haggle some more. Once negotiations seem to be over, that’s when the sales contract is prepared.Inflated Interest RatesTo have the deal agreed upon by you and the salesman be put in writing in a binding contract is top on the list of the things you must do involving auto financing. Often involved at this part of the procedure is to determine monthly auto loan payments based on an interest rate. Now, as you well know, the interest rate varies from car buyer to car buyer. Your credit is only one of the factors and if the interest rate a car buyer qualifies for is inflated, then the dealership can make extra profit off your loan. That’s just one of the pitfalls in auto financing.Independent Auto FinancingWhen you have the approved auto financing option on hand, you can then proceed with the deal as a “cash buyer” so to speak as you already have the cash in hand from the loan and you are just buying the car from the dealer with that money. Car salesmen prefer customers to be “monthly payment” buyers as this makes it easier for them to obscure the total cost of the vehicle, to the detriment of your savings. So wizen up and take that independent auto financing option available.Set a Price RangeHaving a budget is the sensible thing to do. If you set a sensible price range for yourself, then you have less reason to go beyond that range and succumb to the temptation of overspending. If you’re really firm on that budget, no amount of sales talk can sway you. One good tip is to ensure that your monthly car payments and related expenses do not exceed about 20% of your monthly net income.Discounted Financing vs. RebateHere’s the dilemma to car buying: Many dealers offer an option between discounted financing or a rebate, but not both. Discounted financing means that you get zero-percent financing while rebate means that you get a certain amount of cash some time after purchase. The common error many car buyers make is that the zero-percent loan will deliver the most savings. But will it really?Get the Cash RebateIn most cases, it’s better to get the cash rebate and apply it against the purchase price of the vehicle. If you already have a pre-approved car loan, then that’s even better because you have positively no need of extra financing from your dealer. Just use your car loan to finance the car and let the rebate handle some of the charges.You will have to choose how long you want your lease to be and how much you’re willing to pay upfront. The obvious choice, of course, would be to pay as little as possible, but be sure to weigh other options as well. After that, the car is yours for the period stipulated in the lease contract.There are several other different plans those car buyers like you can adopt in order to make the most out of your money and reduce costs at the dealership. Understanding the credit process is just one way of being a smart buyer.For more information on auto financing and car loans, visit http://www.financeguide101.com/finance-reports/money-for-a-car-a-guide-to-auto-financing.html </p>]]></content:encoded> <wfw:commentRss>https://gemmasjln.info/money-for-a-car-a-guide-to-auto-financing/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How To Lower Your Property Taxes</title> <link>https://gemmasjln.info/how-to-lower-your-property-taxes</link> <comments>https://gemmasjln.info/how-to-lower-your-property-taxes#comments</comments> <pubDate>Sat, 01 Apr 2023 08:42:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Taxes Property]]></category> <guid isPermaLink="false">http://gemmasjln.info/?p=38</guid> <description><![CDATA[Understand Your Local Tax SystemDifferent local governments use different methods to determine home values and assess the related taxes. Call your local tax assessor’s office and ask how they determine home values. Typically, local governments calculate your property taxes based upon the value of your home. How the value of your home is determined has [...]]]></description> <content:encoded><![CDATA[<p> Understand Your Local Tax SystemDifferent local governments use different methods to determine home values and assess the related taxes. Call your local tax assessor’s office and ask how they determine home values. Typically, local governments calculate your property taxes based upon the value of your home. How the value of your home is determined has a huge impact on the amount you pay. If local laws or home values change, you might be able to reduce your tax liability.Review Tax Property CardRequest to view your property tax cards from your local assessor’s office. The card provides you with information your local government gathers about your property. It includes information about the lot size, house size, room measurements, and the type of fixtures located within the home. It can even include information on special features, or notations about any improvements that have been made to your house.Think Twice About RemodelingIf you plan to make any structural improvements to your home, it will increase your property tax bill. These include decks, pools, storage sheds, or any other permanent fixture that will increase the value of your house. Keep this in mind when you are calculating the total cost of the project. You can call your local tax departments for assistance.Limit Curb AppealTax assessors use a very strict set of guidelines when evaluating a house. However, the assessment does contain a certain amount of subjectivity. For example, more physically attractive homes will receiver higher assessments. In addition, property is always being compared to other houses in the area. Try not to make too many cosmetic improvements to your house before an assessment. Also, avoid any physical improvements to your house such as new counter tops or stainless steel appliances until after your home has been assessed.Walk with the AssessorMost people will allow the tax assessor to wander around their homes unguided during their evaluation. This can be a huge mistake as some assessors will only see the good things in a house and might overlook areas where the home is lacking. To make sure this does not happen, walk through your home with the assessor and point out both good and bad points. This ensures you get the fairest possible value of your home.File an AppealIf you think the value of your property is incorrect, then file an appeal to your local taxing authority. Within a few of weeks you should receive a notice acknowledging your appeal. Note that it can take months to get your appeal heard. Before the day of your hearing, it is a good idea to attend a local a hearing to get accustomed to the proceedings.Move to a Lesser Taxed AreaEvery local government has different property tax rates. Just by moving a few miles you may be able to greatly reduce your property taxes. However, before making any rash decisions, always perform ample research on the local tax rates. </p>]]></content:encoded> <wfw:commentRss>https://gemmasjln.info/how-to-lower-your-property-taxes/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Economic Importance Of The Home Based Business Industry</title> <link>https://gemmasjln.info/the-economic-importance-of-the-home-based-business-industry</link> <comments>https://gemmasjln.info/the-economic-importance-of-the-home-based-business-industry#comments</comments> <pubDate>Fri, 31 Mar 2023 22:27:20 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Business]]></category> <guid isPermaLink="false">http://gemmasjln.info/?p=35</guid> <description><![CDATA[DEFINING THE HOME BASED BUSINESSThe home based business can be defined as a business whose primary office is in the owner’s home. The business can be any size or any type, as long as the office itself is located in a home.In the USA, there are about 6.6 million home based businesses that generate at [...]]]></description> <content:encoded><![CDATA[<p> DEFINING THE HOME BASED BUSINESSThe home based business can be defined as a business whose primary office is in the owner’s home. The business can be any size or any type, as long as the office itself is located in a home.In the USA, there are about 6.6 million home based businesses that generate at least 50% of the owner’s household income.(a)”If one advances confidently in the direction of his dreams and endeavors to live the life he has imagined, he will meet with success unimagined in common hours.” – ThoreauESTIMATES OF THE TOTAL SIZE OF HOME BASED BUSINESS”One study has estimated that the total number of people who run or are employed by home based businesses in South East England is in excess of 250,000 people, equivalent to 7% of the working population of the region.(c)”While the average home entrepreneur business has two employees (including the owner), 39% have between two and five employees, and 10% have more than five. Using these average employment numbers, Emergent Research estimates that home entrepreneur businesses currently employ roughly 13.2 million Americans, including the owner.(a)”To put these figures in perspective, let’s compare them to U.S. employment generated by two important industrial segments: venture-backed firms and the oil and gas industry. Analysis by the National Venture Capital Association shows that companies that received venture capital backing including such corporate giants as Intel, Microsoft, and Apple – employed 10.4 million in 2006.”(a)THE IMPACT OF THE DEVELOPMENT OF THE INTERNET ON THE ECONOMY AND HOME BASED BUSINESSThe development of the internet has been and will be the big driving force in the development of the internet related home based business. Let us have a closer look at these developments. The following information is extracts from the McKinsey report.(b)<br />Two billion people are connected to the internet. This number is increasing by about 200 million per annum.<br />Almost $8 trillion exchange hands each year through e-commerce.<br />About one-third of small and medium-sized businesses extensively use web technologies.<br />The web has made possible new waves of business models and entrepreneurship. It has transformed industries.<br />The internet accounts for 3.4% of the GDP of the 13 countries that was part of the study. These countries represent 70% of the world GDP. The total contribution of the internet to the world economy is $1 672 billion or 2.9% of the total GDP.<br />The internet accounts for 6% of the GDP of countries like Sweden and the UK.<br />Over the past 5 years, the internet has contributed 21% of the GDP growth of the 13 countries that were studied. These countries represent 70% of the total GDP of the world.<br />This is a reflection of the small and medium-sized enterprises receiving a performance boost through the internet. These companies with a strong web presence grew more than twice as quickly than those with a minimal or no web presence.<br />The internet has become a very significant factor in the world economy and the growth of the economy. More specifically in jobs and wealth creation.<br />Online marketing represents 15% of total marketing worldwide.<br />The search requests by individuals on hard-to-find items or information was a total of 1 trillion requests during 2009.<br />In the USA, web surfers made purchases worth $250 billion in 2009; in the UK, it was $63 billion or 2.9% of the GDP. The average online shopper in the USA has spent $1 773 during the year. In the UK, $2 535 was spent on average.<br />The study concludes that the influence of the internet on the economic growth in the world, on job creation and generating wealth, is becoming more important and stronger.<br />For individual companies the internet lowers costs and increases revenue, productivity and profits. The internet helps these companies to accelerate growth in the export markets and to have access to new markets.<br />The introduction of broadband stimulates the development of the internet in those countries where it is being introduced. The internet stimulates growth in GDP, in job creation, wealth, and increases productivity.<br />In France, the internet has created a total of 700 000 jobs during the past 15 years.<br />The research of McKinsey indicates the growth in people connected to the internet, the importance of doing business via the internet, and the big influence that these new technologies have on the GDP of the world economies.THE INFLUENCE THESE DEVELOPMENTS HAVE ON MY HOME BASED BUSINESSAccurate research information is not available about the expected growth in the online home based business industry. I want to make some estimates based on the information discussed above:<br />The annual growth in people connecting to the internet is growing with about 10%.<br />The ability of the internet to:<br />Create new jobs. Give people an extra income stream. Have their own home based business and being self-employed. These changes create many new business opportunity.<br />The new technologies related to the internet will create new business models that will stimulate opportunities.<br />More and more trading and marketing is being done via the internet due to the development of new systems and technologies.<br />The improved communication systems and technology makes it cheaper, less risky, and more attractive to start a home based business.<br />The influence of the development of the internet on the growth in the GDP of the countries in the McKinsey study has been higher during the last five years than during the previous fifteen years. The trend is upwards. Many of the conclusions in this study indicate that the influence on economic growth in the future will be higher than in the past. Some developed countries like the UK have a more people using the internet than others, for example the USA. That indicates growth in many of the developed countries.<br />Due to the development and introduction of broadband in the less developed countries of the world, new trading and business opportunities will become available.<br />There is a trend that more people who want to work from home, as indicated by the following quote: “Nevertheless, home based business owners are much more satisfied with their quality of life than other small business owners. However, the majority of home based business owners do not appear to have made a financial trade-off in order to secure this quality of life.”(c)These new technological developments, the changes in the economic environment and changes in the social needs of people will result in a higher growth rate in internet related businesses, as well as in online home based businesses, than the 10% annual increase in people becoming connected to the internet during the next few years. If one takes into consideration that the average growth in the GDP of the world is expected to be much less than 10% per annum during this period, then there has to be good business opportunities here.This expected growth in GDP due to internet related business activities creates many online business opportunities for the online home based business owner.A fast changing economic, business, and technological environment needs quick and big action. The opportunity of today might have disappeared tomorrow. This is the environment in which to dream-it-plan-it-do-it big. Our team wants to support like-minded people who want to join us on this journey. Take action. Do not postpone in this business environment.”Screw it, let’s do it!” – Richard BransonReferences:(a) Small Business Success Index Research Note Home Entrepreneurs: A Vital Economic Force.Small Business Success Index Research; Homepreneurs: A Vital Economic Force.(b) McKinsey Global Institute: Internet Matters: The net’s sweeping impact on growth, jobs and prosperity”(c) Home-based business: Challenging their Cinderella status.http://ser.e-contentmanagement.com/archives/vol/17/issue/2/article/4065/home-based-business </p>]]></content:encoded> <wfw:commentRss>https://gemmasjln.info/the-economic-importance-of-the-home-based-business-industry/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://gemmasjln.info/5-empowering-tracks-from-female-icons-to-make-you-feel-inspired</link> <comments>https://gemmasjln.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://gemmasjln.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://gemmasjln.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://gemmasjln.info/the-pandemic-effects-on-hospitality-industries-and-how-they-overcome-it</link> <comments>https://gemmasjln.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://gemmasjln.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://gemmasjln.info/the-pandemic-effects-on-hospitality-industries-and-how-they-overcome-it/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
Download the "valid RSS" banner.
Upload the image to your own server. (This step is important. Please do not link directly to the image on this server.)
Add this HTML to your page (change the image src attribute if necessary):
If you would like to create a text link instead, here is the URL you can use:
http://www.feedvalidator.org/check.cgi?url=https%3A//gemmasjln.info/feed
