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<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:blogger='http://schemas.google.com/blogger/2008' xmlns:georss='http://www.georss.org/georss' xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-8842201505774422209</id><updated>2024-03-08T06:09:38.076-08:00</updated><title type='text'>gdfusb</title><subtitle type='html'></subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='https://gsjbcj.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default'/><link rel='alternate' type='text/html' href='https://gsjbcj.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><author><name>abdulhanan64594</name><uri>http://www.blogger.com/profile/07826028020268144835</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>10</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-8842201505774422209.post-8027793413623048409</id><published>2022-01-24T07:16:00.006-08:00</published><updated>2022-01-24T07:16:54.372-08:00</updated><title type='text'>How to Shop Online For Life Insurance</title><content type='html'>&nbsp;&nbsp;How to Shop Online for Life Insurance<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Shopping online for life insurance doesn't have to be a time-consuming ordeal, but the final decision shouldn't be made lightly. Choosing your life insurance is a little more complex than choosing auto insurance&nbsp;<a href="https://themattressstore.com/ ">https://themattressstore.com/&nbsp;</a>. Because you'll have this plan long-term, even small monthly savings can add up to significant savings over the course of your lifetime. Take the time to compare plan costs and find the best value before making a choice.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">What Kind of Insurance Do You Want?<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Before you get online to shop for life insurance, analyze your needs. How much insurance and what type of insurance do you want? There is a big difference between term insurance, which is temporary, and whole life insurance, which lasts until your death. While term insurance is much cheaper, it doesn't offer additional benefits. Whole life is more expensive, but it includes an interest-earning account and other perks.&nbsp;<a href="https://toughturtleturf.com">https://toughturtleturf.com</a>&nbsp;Different variations on these two offer varying pros and cons. Decide what kind of insurance suits your needs.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Compare Life Insurance Plans Online<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Now that you have an idea of what kind of insurance you're shopping for, it's time to get online. You can save bundles of time by using an insurance comparison website.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">These types of insurance comparison sites tell you upfront which companies they will collect quotes from, so you know that you're getting information from trusted sources. You'll fill out a one-time form that asks you about your age, sex, health, and state of residence. You´ll also need to specify what kind of life insurance you're shopping for, which is why it's important to understand the various options beforehand.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">After filling out the online form, you'll receive real-time quotes from various companies. The nice thing about using a comparison site is that the quotes you receive will be as closely matched as possible, in terms of comparing the same variables. Also, you don´t need to worry about keeping track all the information or organizing it, as that's already done for you.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Now that you have some quotes in front of you, don't jump the gun and sign up for the cheapest insurance policy you can find. Narrow your options down to 3 or 4, and then dig a little deeper. Different products offer different perks or savings opportunities. For example, you might qualify for free organization memberships, product discounts, or savings on bundled purchases. You´ll also want to make sure you're not skimming over important exclusions or regulations.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Choose Wisely<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">If you need help making the final decision, don't be afraid to pick up the phone. Just because you've done your life insurance shopping online doesn't mean you can't request the help of an agent in the final stages. Speaking to a skilled representative can get your questions answered quickly, and you'll also get a feel for the company. After all, you're going to be doing business with your life insurance provider for quite some time, so make sure you're happy with your final choice. </content><link rel='replies' type='application/atom+xml' href='https://gsjbcj.blogspot.com/feeds/8027793413623048409/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/how-to-shop-online-for-life-insurance.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/8027793413623048409'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/8027793413623048409'/><link rel='alternate' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/how-to-shop-online-for-life-insurance.html' title='How to Shop Online For Life Insurance'/><author><name>abdulhanan64594</name><uri>http://www.blogger.com/profile/07826028020268144835</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-8842201505774422209.post-4851832768182110962</id><published>2022-01-24T07:16:00.002-08:00</published><updated>2022-01-24T07:16:21.955-08:00</updated><title type='text'>Appealing Property Taxes for Apartment Owners</title><content type='html'>&nbsp;&nbsp;Property taxes are one of the largest line item costs incurred by apartment owners. However, many owners do not appeal effectively. Even though owners realize that property taxes can be managed and reduced through an appeal, some view taxes as an arbitrary estimate provided by the government which can't effectively be appealed. It tends to boil down to the old adage, "You can't fight city hall".<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Fortunately, the property tax appeal process in Texas provides owners multiple opportunities to appeal. Handled either directly by the owner or by a property tax consultant, this process should involve an intense effort to annually appeal and minimize property taxes&nbsp;<a href="https://fe-acc18t.ru/ ">https://fe-acc18t.ru/&nbsp;</a>. Reducing the largest line item expense has a significant effect in reducing the owner's overall operating expenses. While it is not possible to entirely escape the burden of paying property taxes, it is possible to reduce taxes sharply, often by 25% to 50%.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Why some owners don't appeal<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Some property owners don't appeal because they either don't understand the process, or don't understand that there is a good probability of achieving meaningful reductions in property taxes&nbsp;<a href="www.flexyvo.com/ ">www.flexyvo.com/&nbsp;</a>. Some owners believe that since the market value of their property exceeds the assessed value, then it is not possible to appeal and reduce the property taxes. Although appeals on unequal appraisal are relatively new, there is a clear-cut way to appeal property taxes at the administrative hearing level based on unequal appraisal. Unequal appraisal occurs when property is assessed inconsistently with neighboring properties or comparable properties. Also, some owners are reluctant to hire a property tax consultant, even though many consultants will work on a contingent fee basis, in which there is no cost to the owner unless property taxes for the current year are reduced.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Overview of appeal process<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The following are the primary steps in the annual process for appealing property taxes:<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· Request notice of accessed value<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· File an appeal<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· Prepare for hearing<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">. Review records<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">. Review market value appeal<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">. Review unequal appraisal appeal<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· Set negotiating perimeters<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· Administrative hearings<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· Decide whether binding arbitration or judicial appeals are warranted<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· Pay taxes timely<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Requesting a notice of assessed value<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Property owners have the option of requesting a notice of assessed value for their property annually. Section 25.19g of the Texas Property Tax Code provides the owner the option to request a written notice of the assessed value from the chief appraiser. Owners benefit from requesting and receiving a written notice of assessed value for each property because it ensures they have an opportunity to review the assessed value. This notice should be sent on an annual basis. The appraisal district does not have to send a notice of assessed value if the value increases by less than $1,000. However, if an owner was not satisfied with a prior year's value and the value remained the same, the appraisal district probably will not send a notice of the assessed value for the current year. In this situation, the owner might forget to protest since a notice of assessed value for the property was not received.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">How to file and appeal<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">On or before May 31st of each year, the property owner should file an appeal for each property. However, while many owners are comfortable with an assessed value, in many cases there is a basis for appealing. Two options for appealing include:<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">1. unequal appraisal, and<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">2. market value based on data the appraisal district provides to the owner before the hearing.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">You can appeal by completing the protest form provided by the appraisal district and indicating both excessive value (market value) and unequal appraisal as the basis for appeal. In addition, the property owner can simply send a notice that identifies the property, and indicates dissatisfaction with some determination of the appraisal office. The notice does not need to be on an official form, although the comptroller does provide a form for the convenience of property owners. (You can access the protest form at&nbsp;<a href="http://www.cutmytaxes.com/" rel="nofollow" style="color: #a30006;" target="_new">http://www.cutmytaxes.com</a>&nbsp;.)<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">House Bill 201 - helpful information<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">House Bill 201 is the industry jargon for a property owner's option to request information the appraisal district will use at the hearing, and to receive a copy 14 days before the hearing. The name House Bill 201 is derived from the bill used to enact the law. The details for House Bill 201 are located in sections 41.461 and 41.67d of the Texas Property Tax Code. When filing a protest, the property owner should additionally request in writing that the appraisal district provide a copy of any information the appraisal district plans to introduce at the hearing. The appraisal district will typically require the property owner to come to the appraisal district office to pick up the information and charge a nominal fee, typically $0.10 per page. While the cost for House Bill 201 requests are quite low (typically $0.50 to $2.00 per property for residential and commercial) the information is invaluable in preparing for the hearing. In addition, filing a House Bill 201 request is important because it limits the information the appraisal district can present at the hearing to what was provided to the property owner two weeks before the hearing.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Preparing for the Hearing<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Start by reviewing the appraisal district's information for your property for accuracy. If the appraisal district overstates either the quality or quantity of improvements, this will justify a deduction. The next step is to review the information on market value and unequal appraisal provided by the appraisal district in the House Bill 201 package. If the subject property is an income property, review the appraisal district's income analysis versus your actual income and expense statements. Consider the following areas as opportunities to rebut the appraisal district's analysis:<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· Gross potential income<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· Vacancy rate<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· Total effective gross income, including other income<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· Operating expenses<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· Amount of replacement reserves<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· Net operating income<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· Capitalization rate<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· Final market value<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Many property owners and consultants start with the actual income and expense data, and use one or two of the assumptions provided by the appraisal district. However, they primarily utilize information from the actual income and expenses in preparing their own income analysis and estimate of market value for the subject property.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">When comparable sales are the primary issue in determining market value, start by reviewing the comparable sales data provided by the appraisal district versus the assessed value for your property. Convert the sales prices from the appraisal district to either a per square foot or per unit basis. Then compare the sales to the per square foot or per unit assessment for your property. Sales can be helpful during the hearing.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The cost approach is not typically used in the property tax hearings except for brand new or relatively new properties. If your property is new, the appraisal district will probably want to review the cost information and you probably won't want to show it to them. In many cases, the actual cost of a property is higher than the estimate provided by the appraisal district. If this is the case, you will likely want to appeal on unequal appraisal instead of on market value. No matter how good your argument or how passionately it is expressed, the appraisal district staff and Appraisal Review Board (ARB) members tend to believe that cost equals value for new properties.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Deferred Maintenance and Functional Obsolescence<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Another issue that is important for the market value appeal, and to some extent for a unequal appraisal appeal, is information on deferred maintenance and functional obsolescence. Deferred maintenance could include items such as:<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· rotten wood<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· peeling paint<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· roof replacement<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· substantial repair<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· landscaping updating and other similar items<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Most appraisal districts give minimal consideration to requests for adjustments based on deferred maintenance, unless the property owner provides repair costs from independent contractors. There are some exceptions where a cooperative informal appraiser or sympathetic ARB will take an owner's estimate of deferred maintenance and make adjustments based on those costs. Most appraisers and ARB members are much more inclined to make adjustments if third-party cost estimates are provided. In addition, the appraisers and many ARB members are inclined to only deduct a portion of the total cost using the argument, "we've been giving a replacement reserve allowance for this item for the past years and it'd be double-dipping to deduct the whole value off it in the current year." While this is an incorrect appraisal argument, it does tend to be the practice at many appraisal districts. The reality is, the cost of curing deferred maintenance is deducted from the offer by a prospective buyer.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Examples of functional obsolescence would be a three-bedroom apartment unit that only has one bathroom, or a two-bedroom apartment that does not have washer/dryer connections in an area where those connections are common. Another example would be an apartment that has a window air conditioner in an area where central HVAC is typical and expected.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Unequal appraisal analysis<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The Texas Property Tax Code, section 41.43(b)(3), provides for appraising or appealing on unequal appraisal including ratio studies and "a reasonable number of comparable properties appropriately adjusted." Virtually all unequal appraisal appeals involve a reasonable number of comparables that are appropriately adjusted. Comparables are similar properties.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">This is primarily because of the difficulty and cost of performing a ratio study. Historically, the position of many appraisal districts was that the property owner needed to get a fee appraisal for each comparable property and compare the market value estimated by the appraiser to the assessed value. The cost of getting multiple appraisals made this process financially impractical. Compiling a reasonable number of comparables appropriately adjusted is simple and straightforward. The first step is to choose a reasonable number of comparables. Usually four to five comparables is the typical number used at a property tax hearing, but in some cases, property owners choose ten to thirty. In some cases, there may only be one to four comparable properties that merit consideration. Most unequal appraisal presentations include three to ten comparables. The number of reasonable comparables depends on the location, type, size and age of the property. For example, there would be fewer five-year-old bowling alleys in the northern part of Harris County compared to recently built apartment complexes.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">After choosing a reasonable number of comparables, array them in a table format, including fields of data such as account number, net rentable area, year built, street address, assessed value and assessed value per square foot.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The next step is to determine whether or not to make appropriate adjustments. For the administrative hearing, if you have truly comparable properties, most boards (appraisal review board or ARB) won't be concerned with you not making adjustments. If you make adjustments, those would typically be based on factors such as differences in size and age compared to the subject property.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">You should also review the information in the appraisal district's House Bill 201 packet on an unequal appraisal. In many cases, the appraisal districts unequal appraisal analysis will document a reduction in your assessed value! If the appraisal districts unequal appraisal analysis documents a reduction, either the informal appraiser or the ARB should make the adjustment in assessed value for you. Having the opportunity to get an assessed value reduced automatically based on the appraisal districts unequal appraisal analysis is one of the reasons to appeal every property every year.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Completing Hearing Preparation<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">After reviewing the appraisal district's information on your property, the House Bill 201 package, and your market value and unequal appraisal analyses, determine the strengths and weaknesses of each approach and decide which basis of appeal provides the best opportunity for a meaningful reduction. Although appeals on unequal appraisal have clearly been the law of the land since 2003, some appraisal districts and review boards have chosen to disregard the option for unequal appraisal put forth by the Texas Legislature. Although there is litigation underway which should resolve this issue within the next year, it would be prudent to visit someone who is knowledgeable in local property tax appeals to determine whether the county appraisal district and ARB in your area are considering appeals on unequal appraisal.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Set Negotiating Perimeters<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">After reviewing the information, it is important to set the highest level of assessed value you will accept at the informal hearing because after you accept an assessed value, the appeal process will be complete for the year and you will not be able to appeal further.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Administrative Hearing Process<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The two steps to the administrative hearing process are the informal hearing and the appraisal review board hearing.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The Informal Hearing<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The following procedure and rules are typical at the informal hearing:<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· Meet with an appraiser representing the appraisal district. You should be polite and prepared at this meeting. While many property owners are frustrated and angry at the high level of real estate taxes, the appraisal district appraiser does not control the tax rate set by various entities nor the policy regarding property taxes in the area or the state. The appraisal district appraiser is trying to execute his job in a professional manner and appreciates it when property owners work with him on that basis.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· Provide the appraiser information on your property and he will review that information and information he has available.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">· The appraiser will likely make an offer to settle the assessed value of your property fairly quickly. You can either accept the value or negotiate further. Either way, you should know within ten to twenty minutes whether the appraiser will offer an acceptable value. If the value is acceptable, conclude the negotiation by agreeing to the value for the current year. If the value offered is not acceptable, ask to go forward with an ARB hearing.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Appraisal Review Board Hearing (ARB)<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The ARB hearing panel consists of three impartial citizens selected and paid by the appraisal district. The age of most ARB members ranges from fifty to eighty. There is an unfortunate bias in the system since the ARB members are selected and paid by the appraisal district, but most ARB members are reasonable people who want to make appropriate decisions.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Like the appraisal district appraiser, the ARB does not set tax rates or tax policy. The members are also not responsible for the effectiveness of local government. It is unlikely to help your case if you complain to the ARB members about either the high level of property taxes or the poor quality of some aspect of local government.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The ARB will expect you to make your presentation in about three to ten minutes. They will typically wait patiently while you make your presentation and may have questions after you conclude. An appraiser from the appraisal district, who may or may not be the same person who attended the informal hearing, will represent the appraisal district at the ARB hearing. The appraiser will comment on the evidence you presented and will often present other information the appraisal district has available. If you requested a House Bill 201 package for your property, it substantially limits the evidence the appraisal district appraiser can offer at the hearing. The ARB members may have questions after the appraisers presentation. Then the property owner will be given a final opportunity to rebut evidence presented by the appraisal district appraiser and quickly summarize the evidence. The ARB members strongly prefer you not repeat your entire presentation at this point.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">After hearing the evidence, the ARB members will confer and make a decision. This decision is not subject to negotiation and they will not revise the decision if further evidence is presented. When this decision is announced, the hearing is effectively over. The ARB will send a letter two to four weeks later summarizing their decision and notifying the owner of a 45 day limitation from the date receipt of the ARB decision to either request binding arbitration or file a judicial appeal.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Binding Arbitration or Judicial Appeal<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Beginning September 2005, owners of properties with an assessed value of $1 million or less may file a request for binding arbitration. The owner must file with the appraisal district no more than 45 days after receipt of the notice of the ARB's decision. The binding arbitration option is interesting because it includes a loser pays provision. The appraisal district pays for the arbitrator's fee if the final value is closer to the owner's opinion of value, and the owner pays for the binding arbitration if the final decision is closer to the appraisal district's opinion of value. Binding arbitration was passed to provide an alternative to judicial appeals, which can be expensive to prosecute.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Many owners pursue judicial appeals to further reduce property taxes. In 2005, O'Connor &amp; Associates filed over 1,200 judicial appeals on behalf of property owners in the state of Texas. The judicial appeals can be expensive if the property owner and attorney don't understand the process and have a plan in place to minimize the cost of legal and expert witness fees. Judicial appeals are typically successful. However, success requires cooperation from the property owner, such as providing responses to questions, documents and a deposition if requested. The judicial appeal is meaningful as an option to minimize property taxes since it reduces the base value. This is important because the appraisal district and ARB consider the base value in the subsequent year when setting the administrative hearing value.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Conclusion<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Property owners can generate substantial reductions in property taxes by appealing annually. Consider appeals on both market value and unequal appraisal and obtain the House Bill 201 information when preparing for the appeal hearing. Property owners should consider all three levels of appeal: informal hearing, ARB hearing and judicial appeal/binding arbitration. While the ARB hearing and judicial appeal/binding arbitration can be an intimidating process, each is straightforward once you understand the mechanics. </content><link rel='replies' type='application/atom+xml' href='https://gsjbcj.blogspot.com/feeds/4851832768182110962/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/appealing-property-taxes-for-apartment.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/4851832768182110962'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/4851832768182110962'/><link rel='alternate' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/appealing-property-taxes-for-apartment.html' title='Appealing Property Taxes for Apartment Owners'/><author><name>abdulhanan64594</name><uri>http://www.blogger.com/profile/07826028020268144835</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-8842201505774422209.post-7352514120051246449</id><published>2022-01-24T07:15:00.006-08:00</published><updated>2022-01-24T07:15:50.476-08:00</updated><title type='text'>Benefits of Online Quotes</title><content type='html'>&nbsp;&nbsp;Benefits Of Online Insurance Quotes<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Americans love to use the Internet. Yet, we are still pretty conservative when it comes to getting insurance policies. However, there may be a good way to blend new technology and personal service&nbsp;<a href="https://beamy.jp/ ">https://beamy.jp/&nbsp;</a>. That is where the best online quotes come in!<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Online Quotes Are Faster<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">In the past, before the web became so popular, it could be very time consuming to do a good job of shopping for insurance. You may have had to pick up the phone, call several different agents, and answer dozens of questions. Each phone call would take several minutes, and so this process could take hours.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">In fact, many people stuck with their old insurer because they figured that shopping around for a new policy would cause them to waste time, and it may even produce a lot of anxiety&nbsp;<a href="https://sozzeal.com/ ">https://sozzeal.com/&nbsp;</a>. Many agents, eager to sell policies, would make it very difficult for a new prospect to get off the phone!<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Today, you can find some very sophisticated web quoting systems that are fast and easy to use. You simply fill in your information one time in order to pull up quotes for a variety of policies you can qualify for.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Online Quotes Give You Choices<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Some quote systems have been developed by individual insurance companies in order to attract new customers. Others are independent of one particular company, and these allow you to see quotes from a variety of local companies. In my opinion, the ability to be able to answer questions one time, and then see multiple companies, is a big advantage.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">You can answer a few simple questions that help qualify you for a specific type of policy. The responses to these questions help the system match you with local insurance companies that have already asked to do business with potential customers like you.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">This can save the shoppers and the insurance companies a lot of time and money.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">You Can Still Get Personal Service<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The quote systems are free. This means that you still keep the right to make the final choice. You are absolutely free to get more information, purchase a policy from one of the companies, or keep your old insurance. You may find a better deal, but you may find that your old insurer is very competitive after all.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">You will be given contact information so you can also call or email an agent or company representative for more information. Insurance is a complicated topic, and you may want to ask some questions to help you decide.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Enjoy The Best Of Both Worlds<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">In my opinion, the ability to use technology to reduce your shopping time is the main benefit. You are still able to call, email, or visit with a local agent in order to get the personal service that is still very important. Instead of calling several agents, you can reduce your task to calling one or two! You just may be able to cut the number of personal calls down, but you do not have to cut them out completely! </content><link rel='replies' type='application/atom+xml' href='https://gsjbcj.blogspot.com/feeds/7352514120051246449/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/benefits-of-online-quotes.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/7352514120051246449'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/7352514120051246449'/><link rel='alternate' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/benefits-of-online-quotes.html' title='Benefits of Online Quotes'/><author><name>abdulhanan64594</name><uri>http://www.blogger.com/profile/07826028020268144835</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-8842201505774422209.post-3500440293964443918</id><published>2022-01-24T07:15:00.002-08:00</published><updated>2022-01-24T07:15:17.903-08:00</updated><title type='text'>How to Start a Career in Social Work</title><content type='html'>&nbsp;&nbsp;Over 600,000 social workers strive every day to make a positive impact on the lives of others. If you’re passionate about helping individuals, families, organizations, and communities, a career in social work might be right for you. Social workers find themselves helping people from all walks of life in a variety of atmospheres from schools to hospitals to prisons to nursing homes and handle casework, policy analysis, research, counseling, and teaching. They deal with issues such as poverty, abuse, addiction, unemployment, death, divorce, and physical illness.&nbsp;<a href="http://Myworksocial.com">Myworksocial.com</a>&nbsp;If a career switch to social work appeals to you, following is a brief background of social work basics and how to make a smooth transition.<div id="article-content" style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px;">Career Outlook: According to the U.S. Department of Labor’s Bureau of Labor Statistics (BLS), the social work profession is expected to grow by 30% by 2010 and is expected to grow faster than average for all occupations through 2014.Median Annual Earnings for Social Workers (U.S., 2004)• Child, Family, And School Social Workers: $34,820• Medical And Public Health Social Workers: $40,080• Mental Health And Substance Abuse Social Workers: $33,920 • All Other Social Workers: $39,440Education Requirements: All social workers must have a bachelors (BSW), masters (MSW), or doctoral degree (DSW or Ph.D.) and complete a predetermined number of hours in supervised fieldwork&nbsp;<a href="buyledmasks.com ">buyledmasks.com&nbsp;</a>. Social workers also have to graduate from a program accredited by the Council on Social Work Education (CSWE). The CSWE reports that in 2004 there were 442 BSW programs and 168 MSW programs. While some people work with only a BSW, career options are more limited, so the MSW or DSW is more common.• BSW: Accredited BSW programs typically take four years to complete and require 400 hours of supervised field experience. With a BSW, a graduate can work in an entry-level position, such as a caseworker.• MSW: An MSW requires two years of study and has a prerequisite of an undergraduate degree in social work, psychology, or a similar field. An MSW allows a social worker to work in a clinical setting to diagnose and treat psychological problems.• DSW: A doctoral degree takes anywhere from 4-7 years. A DSW has extensive training in therapy and research and is qualified to teach in a university setting.If you lack the educational or professional background, an associate’s degree may be a good place to start to see if you’re willing to make the necessary educational commitment.For information regarding accredited social work programs, visit the Council on Social Work Education’s website:&nbsp;<a href="http://www.cswe.org/" rel="nofollow" style="color: #a30006;" target="_new">http://www.cswe.org</a>Licensing and Exams: Social workers must be licensed. For licensing purposes, each state has its own requirements, but an MSW is usually a minimum. In addition, licensing requires 2 years or 3,000 hours of supervised clinical experience.After completing school and hour requirements, social work candidates must pass an exam. The Association of Social Work Boards (ASWB) develops and maintains four categories of social work licensure examinations: Bachelors, Masters, Advanced Generalist, and Clinical. Candidates should check with individual boards to find out which examinations are appropriate for the jurisdiction where they want to be licensed.According to the ASWB’s website:“Each examination contains 170 four-option multiple choice questions designed to measure minimum competencies at four categories of practice. Only 150 of the 170 items are scored; the remaining 20 questions are "pretest" items included to measure their effectiveness as items on future examinations. These pretest items are scattered randomly throughout the examination. Candidates have four hours to complete the test, which is administered electronically.”For information on state licensing requirements, see the Association of Social Work Boards website:&nbsp;<a href="http://www.aswb.org/education/boards/" rel="nofollow" style="color: #a30006;" target="_new">http://www.aswb.org/education/boards/</a>For information on exams, visit [http://www.aswb.org/exam_info.shtml]Continuing Education: As part of renewing licenses every two years, almost all states require continuing education (CE) courses. Each state’s CE requirements vary in number of hours and approved courses, so be sure to check with the board over your jurisdiction to make sure you are in compliance with CE requirements. Many courses are available online, at sites such as&nbsp;<a href="http://www.speedyceus.com/" rel="nofollow" style="color: #a30006;" target="_new">http://www.speedyceus.com</a>, which save time and money.Types of Licenses: There are several different kinds of licenses available: L.C.S.W. (or A.C.S.W., L.C.S., L.I.C.S.W., C.S.W.)The licensed clinical social worker has a graduate academic degree, has completed supervised clinical work experience and has passed a national- or state-certified licensing exam. This advanced practitioner holds a license that allows him or her to receive health-care insurance reimbursements. (National Association of Social Workers)SSW: School social work is a specialized area of practice within the broad field of the social work profession. School social workers bring unique knowledge and skills to the school system and the student services team. School social workers are instrumental in furthering the purpose of the schools: to provide a setting for teaching, learning, and for the attainment of competence and confidence. School social workers are hired by school districts to enhance the district's ability to meet its academic mission, especially where home, school and community collaboration is the key to achieving that mission. (School Social Work Association of America)Other specialties and certifications, offered by the National Association of Social Workers, include:• Academy of Certified Social Workers (ACSW)• Qualified Clinical Social Worker (QCSW)• Diplomate in Clinical Social Work (DCSW)• Certified Clinical Alcohol, Tobacco and Other Drugs Social Worker (C-CATODSW)• Certified Advanced Children, Youth, and Family Social Worker (C-ACYFSW)• Certified Children, Youth, and Family Social Worker (C-CYFSW)• Certified Advanced Social Work Case Manager (C-ASWCM)• Certified Social Work Case Manager (C-SWCM)• Certified Social Worker in Health Care (C-SWHC)• Certified School Social Work Specialist (C-SSWS)</div><div id="article-resource" style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px;">Eric Morgan has been assisting companies with internet marketing for over 7 years.</div> &nbsp;</content><link rel='replies' type='application/atom+xml' href='https://gsjbcj.blogspot.com/feeds/3500440293964443918/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/how-to-start-career-in-social-work.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/3500440293964443918'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/3500440293964443918'/><link rel='alternate' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/how-to-start-career-in-social-work.html' title='How to Start a Career in Social Work'/><author><name>abdulhanan64594</name><uri>http://www.blogger.com/profile/07826028020268144835</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-8842201505774422209.post-8985950335621993710</id><published>2022-01-24T07:14:00.005-08:00</published><updated>2022-01-24T07:14:42.113-08:00</updated><title type='text'>Buying the Luxurious Home Accessories</title><content type='html'>&nbsp;&nbsp;Home is the one and only comfortable place for some people, thus they always try to equip their home with some accessories to make it more attractive and add the great aesthetic value. However, some of them come up with the wrong accessories and finally bring nothing but the awful looks&nbsp;<a href="https://matras-centre.ru">https://matras-centre.ru</a>. If you are still clueless about the best way to find accessories, the explanation below can be the road-map for you to get the new ideas to beautify your home.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The ordinary home accessories can be found quite easily out there on the market, but the luxurious one is another matter. You cannot choose the product carelessly, since the luxurious item is really expensive. So, the good consideration will be helpful instead of wasting money. In this case, the suitable luxury home accessories have the good capability to transform a home into the great enhanced settings&nbsp;<a href="https://pg168.com/ ">https://pg168.com/&nbsp;</a>. The online stores provide various vendors who are ready to offer their accessories and let the buyers to achieve the desired results.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Before you go online or dial the number of the seller on magazine, it is better to look back to your home design. If you feel that you are not really good in choosing and matching the accessories and furniture for your home, you can always find the websites which will guide you to get the best pieces to beautify your home. Besides, the home magazines and women magazine will bring the good references too. Women magazines are mostly about fashion and lifestyle, thus you can find the unique ideas for home style and accessories too.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The Categories Home Accessories<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">There are several basic categories of home accessories and some of the examples are such as the furniture, home decoration and also furnishings. As a homeowner, you can select various accessories and bring some of those choices which indicate and represent your lifestyle. It is better to choose the popular and respected brand names if you wish to get the real best quality and guarantee of authenticity. The price will be definitely expensive, but the amount of money you would have spent will be worthy to exchange the value and the great look for your home.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The luxurious products are sold in very expensive price for some reasons. The first reason will always deal with quality. People spend a lot of money to buy quality, thus they will always expect to get the products which are made of quality materials and the perfect workmanship. In fact, the manufacturers can fulfill such needs by producing the awesome items for their customers. They even provide the online catalog to provide the best reference and information about the latest design and models.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The best products purchasing will commonly place price as the number one consideration. However, it is not always applied by people who have a lot of money and wish to buy the most exclusive luxury. So, spending lots of money is not a big deal for them. The main purpose is to enjoy the exclusive products rather than finding the product with affordable price. It is time for you to consider the budget and start to search the products. What kind of accessories do you like best? </content><link rel='replies' type='application/atom+xml' href='https://gsjbcj.blogspot.com/feeds/8985950335621993710/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/buying-luxurious-home-accessories.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/8985950335621993710'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/8985950335621993710'/><link rel='alternate' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/buying-luxurious-home-accessories.html' title='Buying the Luxurious Home Accessories'/><author><name>abdulhanan64594</name><uri>http://www.blogger.com/profile/07826028020268144835</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-8842201505774422209.post-2730807637370783770</id><published>2022-01-24T07:14:00.001-08:00</published><updated>2022-01-24T07:14:08.145-08:00</updated><title type='text'>Why Is Digital Marketing So Important</title><content type='html'>&nbsp;&nbsp;Why is digital marketing so important?<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The next big hopes for the best results in business development and career growth.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">As the internet users across the world have been increased massively by year on year and when it compares to since 2000-2018 the ratio is increasing year by year. Now the fifty percent (50%) of the population around the world are using the internet. And by 2020 the active internet users are crossing 65% of the population across the world.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The main reason to increase the active internet users in last few years is due to the high usage of smartphones, tablets, and other smart devices around the world&nbsp;<a href="http://pkrdigitalagency.com">pkrdigitalagency.com</a>. These are very handy and useful to carry along with people where ever they go. Considering all these points the online marketing is a vast and broadly open to all the people around the world to connect through multiple devices like (Mobile (Smartphone), Laptop, Desktop, Tablet, Smart TV etc.) So this is going to help the Digital Marketing industry to expand worldwide their online market everywhere without having any shops in a particular place.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Now let us know the importance and the advantages of Digital Marketing. The important thing in the digital marketing it is very easy to adapt and connect with the target audience worldwide. There are multiple chapters under digital marketing category which is coming with different modules&nbsp;<a href="https://collaboratepros.com ">https://collaboratepros.com&nbsp;</a>. A few prime modules details have been briefly given below for the reference.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The prime chapters in digital marketing courses<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">1 Websites (for online presence) 2 Content Marketing 3 SEO/ Search Engine Optimization 4 Google Ads 5 Social Media Marketing/ Facebook, Twitter, LinkedIn, Instagram etc. 6 Email Marketing 7 Mobile Marketing 8 Social Media Optimization 9 Online Reputations Management 10 Analytics<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">So when the industrialist, business owner, service providers understand these methods why those are very important in the digital marketing field and the need of online presence for any business in current situation then this will become very easy to implement the online marketing strategies in their industry or field.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Digital Marketing job openings are everywhere around the world. Need to learn digital marketing courses thoroughly to perform well in the industry. When you complete the digital marketing training from the institute at Academy, your confidence level would be high and you can easily get the job as desired.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The Main Channels of Digital Marketing Courses<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Websites<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The online presence is very very important to any of the business for the present generation in the current marketing situation as without the website or information on online about your business which can't be taken far away. So that the websites which is having the complete details about your business and gives more information to your clients or consumers and makes them know more about your business and its functions. So without the online presence, it is hard to reach more people and create the awareness about the products and brand name.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Content Marketing<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Why is content very important in digital Marketing field or online marketing? As the content is the king of all the other chapters of digital marketing or online marketing because when consumer visit a shop directly to purchase or inquire about any of the product in the shops the shopkeeper will explain them thoroughly the features and benefits of the products.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">But when it comes to the online platform, the content itself will act/work as a sales executive or shopkeeper so here the content will be your representative on behalf of your business. So the content is going to bring more customer, visitors or business towards your website when you write a unique content on your webpage by itself the content starts speaking about your products and companies.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">SEO/ Search Engine Optimization<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">This is one of the processes which allow you to list and run your websites online or search engines like (Google, Bing, Yahoo, Ask.com, AOL, Baidu, DuckDuckGo etc.) without making any payment to them. But the very important thing in this is it is not so easy to rank in SERP/ Search engine result page as there are several websites have already been listed under these search engine platforms so which needs to work hard to rank better in search engine result page. This process is called as a Search Engine Optimization.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Google Ads<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Google ads are one of the very best tools to promote the products, services, or brands anywhere and everywhere across the world. The tool Google AdWords which is consists of multiple options in this software. Google Ads will provide an instant result for any campaigns. To create a better a campaign of your brand awareness and services the Google ads will provide a very good platform for the business owners, corporate sectors and the service providers around the world to reach their target audience through the Google AdWords channel. It is one of the main paid modules digital marketing courses.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">SMM / Social Media Marketing<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Social media marketing is one of the very effective methods in digital marketing strategies. The social media marketing tools are involved with various social media sites. The major SMM tools are (Facebook, Twitter, LinkedIn, Google+ YouTube, Pinterest, Instagram, etc.) these tools are very effective to reach the people around the world within a few seconds of time. By using or implementing the strategies of social media in any kind of services or business field is really going to give them the hundred percent results in their Social Media Marketing campaigns. SMM can be learned with digital marketing courses.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Email Marketing<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Email marketing is one of the very old marketing methods and effective ways to send an individual newsletter and other subjects to the particular person by using the one's e-mail id. This form will exist even in future too, in spite of many others marketing channels, however, the e-mail marketing will be continued as earlier without any hamper. As an email marketing methods are completely different than the other marketing methods. It is also one of the main modules of Digital Marketing courses.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Mobile Marketing<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">The word mobile marketing sounds very familiar to each of us due to the people are very familiar and fond of with this device. Hence, this will be one of the most important factors of marketing with this tool. There is no limit for using of mobile phones and the device will be with the people at all the time. So the mobile marketing which targets the audience or users of active internet users and non-active internet users on their mobile phones. The difference between active internet users and non-active internet users when the user is using the smartphone with data on his device this can be considered as an active internet user.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Non-active is not connected with data or internet. There are multiple options to reach the non-active internet users by sending a text message, voice message and by calling directly to their contact number and letting them know about the features and services of the product. For active internet users, you can directly reach or send to their inbox (email), WhatsApp, Facebook, Twitter and other social media accounts as well. These kinds of marketing strategies are followed in mobile marketing. This module is also consisting of digital marketing courses.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">To learn the entire processes of Digital Marketing Courses need to join a reputed digital marketing training institute. At the institute in Bangalore, we train the students from basics to advanced level marketing methods and strategies of online marketing. Which has to be followed thoroughly and this will help them to learn each step during their training with practical knowledge.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">When you read all the above-mentioned information, you can easily understand that the importance of digital marketing and the trends of current online marketing situations also the advantages and benefits of its implementation in any of the industry, business or services around the world to promote and reach more of your targeted audience/Customers across the globe to get better results on the ROI/ return on the investments. So the digital marketing industry is going to be the next hopes for better business results and career growth in coming years.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Tags: online marketing courses, digital marketing training in Bangalore, internet marketing courses in Bangalore, digital marketing Bangalore, digital marketing course in Bangalore, online marketing institute in bangalore </content><link rel='replies' type='application/atom+xml' href='https://gsjbcj.blogspot.com/feeds/2730807637370783770/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/why-is-digital-marketing-so-important.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/2730807637370783770'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/2730807637370783770'/><link rel='alternate' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/why-is-digital-marketing-so-important.html' title='Why Is Digital Marketing So Important'/><author><name>abdulhanan64594</name><uri>http://www.blogger.com/profile/07826028020268144835</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-8842201505774422209.post-2499188211232563865</id><published>2022-01-24T07:13:00.006-08:00</published><updated>2022-01-24T07:13:37.740-08:00</updated><title type='text'>Why Your Business's Social Media Policy May Be A Dud!</title><content type='html'>&nbsp;&nbsp;The importance of utilizing social media to help any business grow cannot be understated. But, there can be serious legal consequences for businesses when their employees&nbsp;or affiliates and marketers&nbsp;use any of the popular social media forums. This can hold true both when employees are acting on behalf of your business and when they use social media for their personal use. Smart business owners identify the problems ahead of time and then devise a strategy to prevent unnecessary liability and address risks when they become known&nbsp;<a href="https://patchcracks.com/">https://patchcracks.com/</a>. Of course, that strategy should start with an appropriate social media policy. But, many businesses draft social media policies which do not address all the potential concerns it should, or even draft policies in a manner which renders them illegal!<div id="article-content" style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px;">So, how can you ensure your business's social media policy isn't a dud? First, you must understand what could go wrong in social media.What Could Go Wrong For My Business In Social Media?Here is a broad list of legal concerns your business may face relating to social media:<ul style="margin: 0px 0px 1em 2em; padding: 0px;"><li style="line-height: 1.5em; margin: 0px; padding: 0px;">-Employees who reveal confidential or proprietary information in a blog entry that can be viewed by millions of readers;</li></ul><ul style="margin: 0px 0px 1em 2em; padding: 0px;"><li style="line-height: 1.5em; margin: 0px; padding: 0px;">-Employees who post discriminatory or negative comments on social media regarding your business or other employees;</li></ul><ul style="margin: 0px 0px 1em 2em; padding: 0px;"><li style="line-height: 1.5em; margin: 0px; padding: 0px;">-Employees who post objectionable content on their Facebook pages that raises into question their character, which in turn reflects on your business; or</li></ul><ul style="margin: 0px 0px 1em 2em; padding: 0px;"><li style="line-height: 1.5em; margin: 0px; padding: 0px;">-Employees,&nbsp;affiliates and other sponsored endorsers&nbsp;can even subject their employers to liability by promoting the company's services or products without disclosing the employment relationship&nbsp;<a href="https://crackedsoftwares.org/ ">https://crackedsoftwares.org/&nbsp;</a>.&nbsp;This is otherwise known as a sponsored endorsement in legal parlance. The FTC has made it clear that any&nbsp;"material connections"&nbsp;between the endorser and the sponsor must be disclosed in connection with a product or service endorsement, which is defined as any type of positive review. Sponsored endorsers can also potentially create liability for your business through any deceptive claims made about any products or services offered by your business.</li></ul>Why A Social Media Policy Can Protect Your BusinessIf you have employees or use any type of third-party marketers or affiliates, you should adopt a written social media policy. Though not an absolute shield from liability, businesses must adopt social media use policies protecting the employer consistent with the company's organizational culture. Not only can these policies serve as a strong deterrent to employees, they can be uses as the basis of terminating employees and affiliates or other third-parties.But, What Should Your Company Social Media Policy Really Say (Or Not Say)?Of course, your company's social media policy should make clear to employees what the employer expects with regard to social media use, both on and off the job. These expectations may vary between companies, but employers should generally be concerned with rules against conduct that may result in unlawful sexual harassment or other liability, rules prohibiting disclosure of confidential or proprietary information, and company policies governing the use of corporate logos and other branding concerns when engaged in social media use. I'll go into more specific details about what your policy should say below.But, the problem every employer must understand with employee social media use is that the individual's actions may be legally protected. Some states, for example, have laws protecting employees' off-duty activities and political activities or affiliations. At the Federal level, the&nbsp;National Labor Relations Act&nbsp;protects employees who engage in "concerted activity," which often includes the right to discuss the terms and conditions of their employment with co-workers and outsiders.&nbsp;If your social media policy has not been updated over the past two years, the policy is likely to be out of compliance with the guidance provided by the National Labor Relations Board recently.&nbsp;In addition, federal and state whistle-blower laws protect employees who complain about (among other things) potential securities fraud violations, in certain situations.Practical GuidelinesSome practical and basic guidelines you should include in any social media policy are listed below. I use the term "employees" to refer to employees, affiliates and all other sponsored endorsers.-Employment Rules and Company Code of ConductRequire that employees always follow the terms of their employment agreement, employee handbook or other company code of conduct at all times when using social media (obviously this just applies to employees). The social media policy should restrict employees from violating the terms of any company policy via social media use for work or personal purposes.-Broad Use StatementYou should state that the policy applies to all forms of social media, including multi-media (videos, posts or audio recordings), social networking sites, blogs, podcasts, sharing sites and wikis and covers both professional and personal use.-ConfidentialityEmployees should not disclose any information that is confidential or proprietary to the company or to any third-party. What if you have a new product or software application in development that you want to keep confidential? What about financial and other non-public information? There are a million reasons to post rules prohibiting disclosure of confidential or proprietary information on social media sites. The best practice is to define what comprises "confidential" and proprietary information and other trade secrets similar to a non-disclosure agreement and restrict disclosure. This restriction should include personal use and use on company owned sites. But be specific. Rather thanbanning any and all disclosure of confidential information, be specific about exactly what cannot be disclosed (such as trade secrets, customer information, business strategies, etc.).-Endorsements &amp; AffiliationIf an employee comments on any aspect of the company's business they must clearly identify themselves as an employee and include a disclaimer. Employees should neither claim nor imply that they are speaking on the company's behalf unless they are expressly authorized to do so. For example, you should require each employee to use the language "any views expressed are personal opinions and do not necessarily reflect the views or opinions of ABC Corp."-Advertising LiabilityAll sponsored endorsers must not make any misleading or deceptive ads or claims about your products. All content must be accurate and truthful. Since you are just as responsible as any sponsored endorser would be, you need to have a clear policy on what deceptive advertising is and restrict such claims. In fact, any employee, affiliate, etc. you allow to post or promote on behalf of your business really should truly understand what is deceptive under FTC and state consumer protection laws. Your social media policy should restrict your company's bloggers or product reviewers, affiliates and marketers against making such claim and the policy should be incorporated in the separate agreements used with any affiliates and independent marketers.-Intellectual Property &amp; Brand DilutionRestrict your employees from including any company logos or trademarks on their own personal blogs or Facebook pages unless permission is granted. Similarly, they should not be allowed to upload or paste these marks onto any other interactive forum. Clearly communicate the company's expectations and offer examples of scenarios that are acceptable and include an approved description of the company's brand. Make it clear that individuals who link online identities with the company and disclose their employment also incorporate the approved language into their online profiles. A policy that includes the positive can help to build advocates for the brand. Trust your employees to drive responsibly if you give them the rules of the road. You should restrict employees from posting unauthorized 'promos' that purport to represent the company without pre-approval.-LiabilityAll posts and content uploaded onto any corporate blog, fan page or integrated into promotional multi-media application (i.e. a company podcast) must not violate copyright, privacy laws or be defamatory.-Require ApprovalYou should require that each of your employees seek and obtain approval before posting or adding content to any corporate blogs, Facebook fan pages, Twitter accounts, etc., and have a system in place to monitor and remove this content at all times.-Adopt Restrictions on Posts, but understand the requirements of the NLRA first!Under the&nbsp;National Labor Relations Act ("NLRA"), an employee cannot be fired based upon "protected, concerted activity" that relates to the terms and conditions of his or her employment or that involves coming together with other employees in issues relating to employment. Under the NLRB, employees have a legal right to discuss the 'terms and conditions' of their employment, which protects a broad spectrum of conversations, potentially including complaints about wages, working hours, supervisors, and other aspects of an employee's working conditions. This includes such discussion through social media site. While state employment laws vary and may protect your employees right to free speech, you can still reserve the right to request that the employee avoid discussing certain subjects, withdraw certain posts, remove inappropriate comments and generally restrict the employee from posting any type of comments or videos that would tarnish the reputation of your business. However, generally speaking, complaints related to working conditions are protected.&nbsp;The National Labor Relations Act (NLRA) applies to union and non-union employees alike.A social media policy violates federal law if a reasonable employee could interpret the policy to prohibit conversations about the terms and conditions of their employment.&nbsp;If a social media policy has not been updated over the past two years, the policy is likely to be out of compliance with the guidance that has been issued by the National Labor Relations Board over that period and recent NLRB decisions relating to social media policies.But, inappropriate remarks about the public do not relate to working conditions and are therefore not protected. In the context of social media, the National Labor Relations Board has issued an&nbsp;Advice Memorandum&nbsp;each company should review before drafting its social media policy. For example, firing an employee for making inappropriate and insensitive remarks about certain crime victims via Twitter was not considered to violate the law.Some ExamplesOn November 5th, 2013, an NLRB administrative law judge determined that terminating 2 employees for the following Facebook posts did not violate the employee's rights under the NLRA:"I don't feel like being their b*tch and making it all happy-friendly middle school campy. Let's do some cool sh*t, and let them figure out the money. No more Sean. Let's f*ck it up.""You right. They don't appreciate sh*t.""[H]ahaha! F*ck em. Field trips all the time to wherever the f*ck we want!""[W]on't be there Wednesday. I'm outta town. But I'll be back to raise hell wit ya. Don't worry. Whatever happens I got your back too."But, a New York City tour guide's Facebook postings constituted protected union organizing activities (New York Party Shuttle, LLC and Fred Pflantzer, CN: 02-CA-073340). The NLRB determined that the employer unlawfully discharged its bus driver employee when it refused to give him new assignments after he posted Facebook messages criticizing the company's employment practices. The employee's posts referred to one of the employee's former employer as a "worker's paradise" compared to his new employer, noted that "there is no union to protect you," and complained that paychecks from his current employer sometimes bounced. His postings also stated that when he began to agitate for a union, he stopped getting scheduled for work. These posts were protected, according to the NLRB.Concerted activity is not always protected by the Act, whether made in person or electronically via social media. The bottom line is that when conduct has a demonstrable effect on an employer's business or is of such character as to render the employee unfit for further service, the NLRA will not protect the employee.The Lesson:&nbsp;the following types of Facebook posts by employees regarding their employer have recently been determined as not constituting protected conduct under the law:&nbsp;1. posts containing profanity: 2. posts hurling insults at the employer; and 3. posts showing disdain for the employer.&nbsp;Your business's social media policy can restrict this type of conduct.&nbsp;But, employees who complain about workplace treatment based on their social media activity may be protected under the NLRA, even if their posts contain disrespectful or coarse language!Terminating employees based on social media policies that violate the NLRA will subject employers to liability under the law. This may include reinstating the employee with full back pay and benefits.&nbsp;So, don't include provisions in your company's social media policies that the NLRB has determined to be unlawful.Your business should stick with the general guidelines established by the recent NLRB decisions and should even include specific examples of posts not permitted.-Geolocation IssuesYour business should also pay attention to&nbsp;Geo-Location Issues.&nbsp;For example, there are instances where the location of an employee itself may actually be confidential, such as at the offices of a company that may potentially be acquired by your business. Along those lines, the social media policy should address using geo-location features of social media platforms and potentially restrict enabling such features during such times.-Be Specific!Where most social media policies fail according to many attorneys is that they are often missing illustrative examples. In order to comply with the NLRA, your company's social media policy should define or give illustrative examples of terms that the NLRB has identified as problematic.Rule:&nbsp;Your policy should contain carefully drafted examples that illustrate the prohibited behavior, but your policy should not include sweeping, overly broad prohibitions.Avoid vague and general outright bans!&nbsp;For example, rather than banning any disclosure of a company's confidential information, the policy should specify exactly what cannot be disclosed (such as trade secrets, customer information, business strategies and product development). Also including language that broadly restricts "any disparaging remarks" is also not a good idea. The bottom line is that employees have the right to complain about their employer and outright restrictions against posting such complaints isn't legal.ConclusionRemember, your business should always monitor the content on your company-owned social media pages to ensure legal compliance. Ultimately, complying with the law and avoiding liability is up to every business owner! There is no social media 'cookie-cutter' policy. Each company social media policy should be specific to the company culture and its expectations.</div><div id="article-resource" style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px;">This article was written by Philip A. Nicolosi, J.D. Mr. Nicolosi provides legal services through his law firm, Phil Nicolosi Law, P.C., focusing on startup and small business law, Internet &amp; technology law and commercial transactions.</div> </content><link rel='replies' type='application/atom+xml' href='https://gsjbcj.blogspot.com/feeds/2499188211232563865/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/why-your-businesss-social-media-policy.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/2499188211232563865'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/2499188211232563865'/><link rel='alternate' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/why-your-businesss-social-media-policy.html' title='Why Your Business's Social Media Policy May Be A Dud!'/><author><name>abdulhanan64594</name><uri>http://www.blogger.com/profile/07826028020268144835</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-8842201505774422209.post-8798776988307434680</id><published>2022-01-24T07:13:00.002-08:00</published><updated>2022-01-24T07:13:08.515-08:00</updated><title type='text'>Ten of the Best Free Android News Apps</title><content type='html'>&nbsp;&nbsp;One of the most logical and useful groupings of applications are the Android news apps. It just makes sense to have one or more of these free apps on your phone so you can get the news you want when you want. Typically, all the bigger news sources provide their applications free of charge making these free news apps an even bigger no-brainer. This leaves everyone with one big decision to make: which one(s) to download&nbsp;<a href="https://businesspromotionidea.com">https://businesspromotionidea.com</a>. A secondary concern you should also consider is whether you want a local news app. Again, these are almost always free to download; however, the quality of these varies tremendously and it's really a market-by-market issue. Of course, the bigger the market the better their Android news apps should be and this line of thinking usually holds true.<div id="article-content" style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px;">Regarding which of the many free Android news apps to download, the only way to figure it out is to learn more about them. Here is some periphery information about 10 of the best Android news apps:FOX News Like the TV channel and programming, this free Android app tends to provide its news from the more conservative point of view and spectrum&nbsp;<a href="https://ridgefieldcarpetcleaning.com ">https://ridgefieldcarpetcleaning.com&nbsp;</a>. FOX News provides users with the latest news and updates from the people behind the FOX News Network. You can control the number of feeds and the type of news items you receive!Tech Buzz Widget Want to know the latest about technology, including any and all news about the Android OS, gaming, and mobile gadgets? If so, this free Android news app is the right app for you.Phandroid This is another app providing news on the mobile technologies niche. This one is more specialized toward information, news and rumors on all the latest about the Android OS and the Android Market.Pulse News Reader This Android news app will basically make you want to use your Android phone more and more for the sake of gathering news information. Its goal is to make reading your favorite news sources easier and more efficiently. It takes your favorite news sites and separates and orders them into a completely different look that's easier to read and browse through. It really is a great app to have.NYTimes for Android phone This is one of the apps that nothing should need to be said about. It's from one of the most trusted and popular news sources in the world. Now, you can read the famous NY TIMES articles without paying for the paper!AP Mobile This is one of the favorite free Android news apps of tens of thousands of users. AP Mobile gives you exclusive access to all Associated Press news feeds - the same source that provides news to every news outlet throughout the world.BBC News This app provides the latest headlines from one of the most trusted news sources in the world. It's very compact and convenient; you will never miss an important world news event again with BBC News on your Android phone.Express News One of the most worthwhile free Android news apps around, Express News gives you instant access to more than 300 news providers all over the world. From the AFP and Associated Press to more localized sources like the Canadian Press. This list goes on and on and is great for those who like to take in the news from a multitude of sources.USATODAY The official USA Today app is definitely one of the best free Android news apps around. Get the latest news (current events, sports, weather, society and more) from one of the mot circulated newspapers in the United States.NewsRob (Google Reader / RSS) This free Android app is an RSS/Atom newsreader that syncs the most recent articles and content from feeds. It is auto-synced with Google Reader and allows for partial feeds in case you want to read the articles offline. Easily said, it's one of the very best RSS/Atom readers available.</div><div id="article-resource" style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px;">I own one of the Best Android Apps [http://www.AndroidAppsFinder.com] sites where you can find information on every Android app.</div> </content><link rel='replies' type='application/atom+xml' href='https://gsjbcj.blogspot.com/feeds/8798776988307434680/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/ten-of-best-free-android-news-apps.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/8798776988307434680'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/8798776988307434680'/><link rel='alternate' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/ten-of-best-free-android-news-apps.html' title='Ten of the Best Free Android News Apps'/><author><name>abdulhanan64594</name><uri>http://www.blogger.com/profile/07826028020268144835</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-8842201505774422209.post-4000618767301709555</id><published>2022-01-24T07:12:00.005-08:00</published><updated>2022-01-24T07:12:37.368-08:00</updated><title type='text'>Are You A Sports Fan Or Sports Fanatic?</title><content type='html'>&nbsp;&nbsp;I'm here to ask a very good question are you a sports fan or a sports fanatic? I looked up both definitions and the dictionary states for a fan the meaning is "an enthusiastic devotee or follower of sports or sports team" the meaning of a fanatic is "a person with an extreme enthusiasm or zeal for sports or sports team". The difference between a sports fan and a sports fanatic is a very fine line. I consider myself a fanatic, and I will give you my opinion of the fine line that separates a fan and a fanatic.<div id="article-content" style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px;">A sports fan will have a favorite team that they follow when they have the time. The fan will know some facts or history about their favorite team. The fan will try to go and see their favorite team when they have some free time, and it fits in their schedule.A sports fanatic eats, sleeps and breaths everything about sports. A sports fanatic will know every single fact or history detail about every sport&nbsp;<a href="http://www.onesportslive.com">www.onesportslive.com</a>. They know every rule, every player of a team, and every detail that has to do with that team or sport. A fanatic will try their hardest to go to every game of their favorite team, and if they can't go to the game they will have a hand device or smart phone that can access the latest news or updates of the game.The major necessity for a sports fanatic that doesn't go to the game is a huge obnoxious movie cinema size flat screen TV that takes up half of their living room&nbsp;<a href="https://twodaystrip.com ">https://twodaystrip.com&nbsp;</a>. It must have surround sound stereo speakers, so it sounds exactly like sitting in the sports stadium. The furniture in the living room must consist of a large comfortable sofa, with a couple of reclining chairs and foot rests. There must be plenty of sitting room for the fanatic to invite all his or her friends over for the "big" game.The final necessity for a sports fanatic is the food. There needs to be plenty of food so it feels like they are tailgating in their own kitchen. There must be plenty of potato chips, dips, tortilla chips, pizza, hamburgers, and hot dogs, and much more available for the game. The most important is the beverages which consist of a case of beer that would fit in the refrigerator or they have their own personal little refrigerator that will hold the beers, and other beverages.Sports fanatics will also have a lot more sports team gear and memorabilia than a sports fan. A sports fanatic needs every little sports memorabilia of their favorite sports teams from the sports team jersey to a little sports team spoon. The fanatics are also most likely the ones that dress up in hideous sports team gear, and have face paint all over them in the stadiums.</div><div id="article-resource" style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px;">These are my personal opinions on the difference between a sports fan and a sports fanatic. If you have something to add that I left out, please feel free to leave your own opinion of the difference from the two. Thank you very much for taking a look at my article, and I hope to hear some of your own opinions of the question "Are you a sports fan or a sports fanatic?"</div> </content><link rel='replies' type='application/atom+xml' href='https://gsjbcj.blogspot.com/feeds/4000618767301709555/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/are-you-sports-fan-or-sports-fanatic.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/4000618767301709555'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/4000618767301709555'/><link rel='alternate' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/are-you-sports-fan-or-sports-fanatic.html' title='Are You A Sports Fan Or Sports Fanatic?'/><author><name>abdulhanan64594</name><uri>http://www.blogger.com/profile/07826028020268144835</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-8842201505774422209.post-358256015278615215</id><published>2022-01-24T07:12:00.001-08:00</published><updated>2022-01-24T07:12:07.217-08:00</updated><title type='text'>Popular Brands of Cheap Cosmetics</title><content type='html'>&nbsp;&nbsp;A lot of cosmetics brands are on board producing various categories of cheap cosmetics. There is a wide range in which different cosmetics fall. Presently a huge ratio of the world's budget falls in the expenditure of cosmetics and makeup items of various kinds. This ever-increasing annual expenditure at global level on these items has led to an initiative of producing less costly cosmetics&nbsp;<a href="http://www.topandtrending.com">www.topandtrending.com</a>. However, it doesn't mean that the quality of these cosmetics is compromised. Although cheap, these cosmetics are still manufactured with great care and precision so that they do not harm the skin. Some of the world's largest cosmetics companies are actively involved in the production and marketing of these cosmetics.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">It has been determined that the worldwide annual expenditures for cosmetics, which is $19 billion right now, can be reduced to a great extent by using these cheap cosmetics. Among the various cosmetics companies, L'Oreal is the largest and major brand involved in producing cosmetics&nbsp;<a href="www.streamkro.com ">www.streamkro.com&nbsp;</a>. There is a wide range covering all the categories of cosmetics. These two major categories are cheap and expensive cosmetics. The most famous and largest company is L'Oreal, which is known for its cosmetics production. It was founded in 1909 by Eugene Schueller. Essentially it was a company meant to produce and develop expertise in hair coloring.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Every market is developed and established according to the demands and needs of the community present around it. That is why the market for users of cheap cosmetics was first developed in the USA during the 1910s by three major and well-known cosmetics companies, namely Elizabeth Arden, Helena Rubinstein, and Max Factor. However, a merger of all these firms occurred before the Second World War and these companies combined themselves into a single company by the name of Revlon. This merger occurred just before World War II and another company got itself merged into Revlon after the Second World War. The brand name of this company was Estée Lauder.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">With the expansion in the cosmetics industry and exposure to people, the beauty products have now become widely available at various platforms in the open market. In addition to this, some of the cheap cosmetics brands are also available for sale at dedicated internet retail shops. There are some of the most renowned and established outlets which have now established their online shopping centers as well. Some other forms of these sellers can be in the form of established outlets and major department stores. As a matter of fact, a shift has been observed in the normal trend of business and people have moved towards online shopping.<p style="background-color: #dddddd; color: #333333; font-family: &quot;Avenir Next&quot;, Arial, &quot;Helvetica Neue&quot;, Helvetica, sans-serif; font-size: 12px; line-height: 1.5em; margin: 0px 0px 1em; padding: 0px;">Although cheap and quality products are produced by most of the brands, it has become possible to escape from the rules and regulations of the FDA. In short it is the organization that can rightly keep an eye on the quality of the cheap cosmetics being produced. Usually the most suspect thing added to the cosmetics and dyes is the color, and most of the time its quality is questionable. In reaction to this, most of the industries, including cosmetics companies, have also lobbied against the FDA. The only thing required by this investigation agency is that there should be no reported injuries due to the use of these products. The number of customers and users of these cosmetics has been increasing with time. This is because in addition to the use of cosmetics and makeup among women, there is an increasing trend among men to use cosmetics. This has further increased the demand in the cosmetics market. </content><link rel='replies' type='application/atom+xml' href='https://gsjbcj.blogspot.com/feeds/358256015278615215/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/popular-brands-of-cheap-cosmetics.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/358256015278615215'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/8842201505774422209/posts/default/358256015278615215'/><link rel='alternate' type='text/html' href='https://gsjbcj.blogspot.com/2022/01/popular-brands-of-cheap-cosmetics.html' title='Popular Brands of Cheap Cosmetics'/><author><name>abdulhanan64594</name><uri>http://www.blogger.com/profile/07826028020268144835</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry></feed>

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