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<content:encoded><![CDATA[<p> Choosing Australia as your educational d ...
<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>acogdocms.info</title> <atom:link href="http://acogdocms.info/feed" rel="self" type="application/rss+xml" /> <link>https://acogdocms.info</link> <description></description> <lastBuildDate>Wed, 13 Mar 2024 21:31:40 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Online Payday Loan Debt Help May Steer Your Finances Back On Track</title> <link>https://acogdocms.info/67</link> <comments>https://acogdocms.info/67#comments</comments> <pubDate>Mon, 17 Jul 2023 22:43:44 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Online payday loan]]></category> <guid isPermaLink="false">http://acogdocms.info/?p=67</guid> <description><![CDATA[When reading articles about personal finance, you will find lots of information about budgets and savings accounts. Budgeting is the mastermind plan behind turning your take home income into a way of life. When the budget is supported by a personal emergency savings account, credit cards and online payday loan applications are not an issue.Credit [...]]]></description> <content:encoded><![CDATA[<p> When reading articles about personal finance, you will find lots of information about budgets and savings accounts. Budgeting is the mastermind plan behind turning your take home income into a way of life. When the budget is supported by a personal emergency savings account, credit cards and online payday loan applications are not an issue.Credit cards are one of those things that you truly cannot do without. You may be able to afford everything you may possibly need and want with cash alone but without the use of credit cards your will never have good credit. The credit bureaus use credit card use to calculate credit scores. If your credit history shows no credit use, your score will have a negative effect. There you have it, credit cards are a must have so the sooner you learn to manage the debt, the smoother your finances run.Very rarely will a person read a finance article which says that your finances will be in better shape if you use an online payday lender to make ends meet. Because of the fast turnaround nature of these loans, you probably never will see them as a front runner in good finance magazines. The high interest and two week payoff term is not smart finance sense. People who write these articles probably have never stood in the shoes of the millions of people who do apply online or at storefronts for a way to get make through to their next paycheck. The credit bureaus have no value to these loans as they are difficult to measure in credit history since they are only out for a short period of time. The only time they are placed into your credit history is after a collections agency obtains the default debt. That is anything but a positive effect.When you create an emergency savings, you become your own fast cash lender. You get to use an interest free loan when you transfer much needed cash from the savings into the checking account. Take care of whatever money emergency is before you at no extra cost. Depending on your financial situation, the road to replace the money used could create new problems if not handled correctly. Some people need the added pressure of potential money failures in order to put money into the savings account. You have to treat your savings like you would any other lender. No slacking when putting money back into the account. Just because there are no late charges within your own savings, it doesn’t mean you should put off replacing the funds. Emergency money situations have no time line; you could turn around and have another money emergency at your feet tomorrow.When using credit cards or direct payday loans for financial emergencies it is important to keep the debt under your control. As soon as you let debt control your finances, you will become more dependent on costly cash.The beauty in having debt is that it is not a final financial death sentence. There are ways out of personal debt. Remember those magazines, newspapers or online articles you have read? There are many more like them out there which will offer you much needed tips and strategies to regain financial control. If you need some extra guided assistance, look to a friend or family member who has good personal practices. Check out a credit counselor if you want to keep your financial problems private. If you would like to put a plan in place to help your finances over the long run, take the next step and invest in a personal financial adviser.Don’t give up on your finances. Find a way out of your situation and gain back the control you need to make your financial future bright and cheery. <br/><a style="display:none;" target="_blank" href="http://jasabacklinkpro.info">jasabacklinkpro.info</a><a style="display:none;" target="_blank" href="http://jasabacklinks.info">jasabacklinks.info</a><a style="display:none;" target="_blank" href="http://kalipakem.com">kalipakem.com</a></p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://acogdocms.info/67/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Studying Undergraduate in Australia</title> <link>https://acogdocms.info/65</link> <comments>https://acogdocms.info/65#comments</comments> <pubDate>Sun, 09 Jul 2023 18:35:55 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://acogdocms.info/?p=65</guid> <description><![CDATA[Choosing Australia as your educational destination is probably one of the best decisions you can make. The cheap tuition fees, world renowned education facilities and excellent faculty, the relaxed and laid-back lifestyle, the welcoming people, the beautiful weather and the tolerance for people of different cultures and races all make up Australia’s USP.In order to [...]]]></description> <content:encoded><![CDATA[<p> Choosing Australia as your educational destination is probably one of the best decisions you can make. The cheap tuition fees, world renowned education facilities and excellent faculty, the relaxed and laid-back lifestyle, the welcoming people, the beautiful weather and the tolerance for people of different cultures and races all make up Australia’s USP.In order to be eligible to pursue any undergraduate course in Australia, students must have at least twelve years of education – elementary and secondary. If students want to apply to any university in Australia, they must include a copy of the grade-sheet or mark-sheet of their final examination. This grade or mark sheet should also be attested by the principle of the institution where the student has completed their education prior to this.This is because we, in Australia believe in maintaining a high level of education and in order to do that, evaluating the performance level of our students is very important. Students also need to submit a report with details of their achievements in school. Extra-curricular and co-curricular activities can also be included in the report. If international students are not from schools where the medium of teaching is in English, it is to be ensured that their report cards or grade sheets be translated into English.You can pursue a variety of subjects in Australia – arts, sciences and commercial studies. There are a number of courses wherein students can learn about music, acting, drawing, films, etc. More academic courses include English and social studies. Studying science and engineering in Australia is also a great choice because Australian institutes offer a great variety of courses.One can study medicine, engineering, physics, chemistry, math, biology, psychology and a variety of other subjects. Getting a BBA degree from any of the reputed Australian colleges is also a wise choice because Australia is a fast-growing economy and job opportunities are wide and varied here.On the whole, studying undergraduate in Australia is a great option for international students because the able teaching staff, friendly people, great weather and secure environment in Australia all make for a complete educational experience. <br/><a style="display:none;" target="_blank" href="http://jackpotslotsweb.info/">jackpotslotsweb.info</a><a style="display:none;" target="_blank" href="http://spinslotwins.info/">spinslotwins.info</a><a style="display:none;" target="_blank" href="http://slotbidwins.info/">slotbidwins.info</a><a style="display:none;" target="_blank" href="http://fantasyslots.info/">fantasyslots.info</a><a style="display:none;" target="_blank" href="http://bestslotmachine.info/">bestslotmachine.info</a><a style="display:none;" target="_blank" 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order to come up with some life changing solutions. They can be called social workers as well as professional helpers. This [...]]]></description> <content:encoded><![CDATA[<div id="article-content"><p>A social worker is a person who mostly promotes disadvantaged people by helping them for the betterment of their lives, and is also keen to understand the problems and harshness of their lives in order to come up with some life changing solutions. They can be called social workers as well as professional helpers. This profession is in demand especially in the developing countries, and is worldwide appreciated as help and support is provided to the disadvantaged people.</p><p>It’s a profession for those who have a strong desire to help the people in order to make their lives happier. These workers assist some dejected people by solving the issues, which usually turn them down for instance family breakdowns and personal issues. They also help people who face social issues, unemployment, poverty, fatal diseases, and disabilities. They offer directions and help to the deserving people in their troubles and calamities.</p><p>They also help poor and orphan children who don’t have proper homes. They help them through government funds, treatments, and education. On the other hand, they also help such parents who don’t have children, by arranging them adoptions.</p><p>A social worker or a professional worker should be well qualified. He/she must be at least having a bachelor’s degree in social work (BSW). It’s a very minimum qualification for such an important job. However, he/she should be having major subjects like Sociology, Psychology, or some other Social Sciences, or must have taken short courses in related subjects, for instance child studies, case studies, education, economics, and political sciences. For some high positions, a master’s degree is required in social work.</p><p>Some limited jobs are offered for those who have only a bachelor’s degree. Nevertheless, we can say that a bachelors’ degree is a one possible condition to enter in this field. Professional helpers are of different types in terms of service they offer some of them are given below:</p><p>Some workers work in hospitals in order to help the patients, while some treat people facing some family conflicts.</p><p>Some workers offer their services in private practice by researching and start working as administrators of social service programs, while some of them involve themselves in social encouragement. They also provide awareness on social issues like poverty, domestic violence, and homelessness.</p><p>Social workers spend their very less time in offices or residences, and are more likely to visit the attention deserving areas. They visit local areas to encourage, and promote disadvantaged people, and conduct several meetings for raising funds for deserving people. Most of the workers try to make their offices in the close vicinity of the targeted areas, so that their agency can easily access the disadvantaged people and call for get together at any time when required.</p></p></div><p><br/><a style="display:none;" target="_blank" href="http://corkfthu.info/">keyword</a><a style="display:none;" target="_blank" href="http://civycn.info/">keyword</a><a style="display:none;" target="_blank" href="http://cirghu.info/">keyword</a></p>]]></content:encoded> <wfw:commentRss>https://acogdocms.info/62/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Has There Ever Been A Better Time To Start An Online Business?</title> <link>https://acogdocms.info/60</link> <comments>https://acogdocms.info/60#comments</comments> <pubDate>Fri, 12 May 2023 09:49:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[best business ideas]]></category> <category><![CDATA[best online business]]></category> <category><![CDATA[best online business ideas]]></category> <category><![CDATA[best online business to start]]></category> <category><![CDATA[business ideas]]></category> <category><![CDATA[how to make money online]]></category> <category><![CDATA[make money online]]></category> <category><![CDATA[online business]]></category> <category><![CDATA[online business from home]]></category> <category><![CDATA[online business ideas]]></category> <category><![CDATA[small business ideas]]></category> <category><![CDATA[start an online business]]></category> <category><![CDATA[start online business]]></category> <category><![CDATA[starting an online business]]></category> <guid isPermaLink="false">http://acogdocms.info/?p=60</guid> <description><![CDATA[With the economy on the rise and unemployment at its lowest for a number of years, together with the fact that online sales are growing significantly year on year, the answer would seem to be No. There has never been a better time to start an online business!Having said that, there is talk of economic [...]]]></description> <content:encoded><![CDATA[<p> With the economy on the rise and unemployment at its lowest for a number of years, together with the fact that online sales are growing significantly year on year, the answer would seem to be No. There has never been a better time to start an online business!Having said that, there is talk of economic growth starting to stall in certain parts of the world, so what’s the answer? Well the reality is that there will never be the perfect time to start a business whether it is online or offline and if you are waiting for everything to be just right, you will be old and grey and still waiting.Online business is certainly the growth sector at present and looks set to continue for the foreseeable future. It is also a viable addition to the marketing channels for many offline businesses.In a recent study carried out by the Centre for Retail Research, which looked at eight European countries and the USA, it was estimated that combined online sales for 2014 would be in excess of $518 billion (€379 billion). Which is an increase of 18.1% over the previous year. As far as Europe is concerned online sales are strongest in the UK, France and Germany, who together account for 81.3% of purchases.In terms of online sales as a percentage of retail sales, the UK currently tops the league table with 13.5%, followed closely by the USA on 11.6% and Germany on 9.7%.This impressive growth has been fuelled by the increase in mobile shopping using smartphones and tablets, which in 2013 accounted 8.3% of online sales in Europe and 13.8% in the US. These are final transaction figures, browsing numbers are considerably higher. After all it is worth remembering that the world carries the Internet around with them in their pockets and bags nowadays, making browsing and buying online ever easier.With a market of this size and projected growth rate, it’s almost goes without saying that online business is here to stay for the foreseeable future and offers an unrivalled opportunity for those who are either looking to start a business or to expand an existing enterprise.Of course this does not mean that everyone who decides to start an online business will be successful. There are record numbers of start-ups and closures in this arena. For those who make it though, the rewards can be staggering.So how can you ensure that you are one of the winners rather than the losers? Well a good place to start is by following some of the tried and tested rules of business. Your chances of success both online and off are greatly improved if you choose a business sector in which you have previous experience.However if you choose to venture into an area outside your range of knowledge, make sure that you get good advice on how to proceed. Again the success rate is greatly enhanced if you are advised and mentored by someone who has been there, done it and knows what works and what doesn’t. </p>]]></content:encoded> <wfw:commentRss>https://acogdocms.info/60/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Sun Shines on Telecommunications Equipment Suppliers</title> <link>https://acogdocms.info/58</link> <comments>https://acogdocms.info/58#comments</comments> <pubDate>Fri, 12 May 2023 04:28:12 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Telecommunications]]></category> <guid isPermaLink="false">http://acogdocms.info/?p=58</guid> <description><![CDATA[India has the world’s second largest industry for telecommunication in terms of user ship. The cumulative Number of phones, both mobile and land line together amounts to a number which is staggering in its size. There were about eighty five crore subscribers registered in 2011. In a 2012 survey, about ninety two crore mobile phone [...]]]></description> <content:encoded><![CDATA[<p> India has the world’s second largest industry for telecommunication in terms of user ship. The cumulative Number of phones, both mobile and land line together amounts to a number which is staggering in its size. There were about eighty five crore subscribers registered in 2011. In a 2012 survey, about ninety two crore mobile phone users were registered, according to the Telecom Regulatory Authority of India (TRAI). Also, about fourteen crore people across India use the internet! With such a booming market, it is not surprising that there have been so many new internet service providers and telecom parts manufacturers springing up across the country. It is also no surprise that the competition has become extremely intense and unforgiving.Essence of Telecom parts SuppliersNot only is this competition for mobile phone companies and connection providers, it also spills over to manufacturers and telecom parts suppliers. Having a large mobile phone company as a client is always the dream of any supplier and hence these suppliers work out all possible methods of keeping themselves in competition.Telecommunication Products Manufacturers Sometimes they have tie ups with Chinese component manufacturers for inexpensive and yet qualitative parts. Otherwise they have bulk offers wherein the parts can be procured for lower rates than available in the market. Telecommunication products manufacturers are also constantly under pressure to deliver the goods with required quality and within the given time. However, in this sector the contribution by Indian companies can be called meagre at best. To a large extent this is because the government has remained indifferent to Research and Development and innovation in this field. There is a market of about fifty thousand crore rupees in the Indian market, for telecom manufacturers. However only two percent of this is by Indians, the remaining is contributed by foreign manufacturers.ConclusionMost telecom manufacturers are exhibiting a certain reluctance to actually bring manufacturing units here because there are good plants as well as telecommunication equipment suppliers based abroad. In China and Taiwan, for example. This means there is no necessity to bring the manufacturing to India, and while this remains profitable to the industry as a whole, the R&D as well as manufacturing sectors in India are affected by this mentality. Since there have been less funds invested in these fields, there is consequently a lack of good technology thus leading to dependence on foreign companies in the world. </p>]]></content:encoded> <wfw:commentRss>https://acogdocms.info/58/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Yahoo! Finance – What Sets This Finance Website Apart?</title> <link>https://acogdocms.info/56</link> <comments>https://acogdocms.info/56#comments</comments> <pubDate>Thu, 11 May 2023 14:08:53 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[basic finance]]></category> <category><![CDATA[Finance]]></category> <category><![CDATA[finance basics]]></category> <category><![CDATA[finance books]]></category> <category><![CDATA[finance bros]]></category> <category><![CDATA[finance career]]></category> <category><![CDATA[finance degree]]></category> <category><![CDATA[finance frauds]]></category> <category><![CDATA[finance kya hai]]></category> <category><![CDATA[finance major]]></category> <category><![CDATA[finance meaning]]></category> <category><![CDATA[finance news]]></category> <category><![CDATA[finance shorts]]></category> <category><![CDATA[finance stock]]></category> <category><![CDATA[finance with sharan]]></category> <category><![CDATA[fix finances]]></category> <category><![CDATA[fix my finance]]></category> <category><![CDATA[learn finance]]></category> <category><![CDATA[mba finance]]></category> <category><![CDATA[mba finance jobs]]></category> <category><![CDATA[mba in finance]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[public finance]]></category> <category><![CDATA[raga finance]]></category> <category><![CDATA[study finance]]></category> <category><![CDATA[what is finance]]></category> <category><![CDATA[yahoo finance]]></category> <category><![CDATA[yahoo finance premium]]></category> <guid isPermaLink="false">http://acogdocms.info/?p=56</guid> <description><![CDATA[“What Obama Must Say Tonight,” “10 Tax Moves to Make in 2010,” and “Ailing Banks Favor Salaries Over Shareholders,” are all examples of the dozens of articles that could be found today at Yahoo! Finance. Yahoo! Finance is a finance website that offers lots of free information and tools all related to finance. There are [...]]]></description> <content:encoded><![CDATA[<p> “What Obama Must Say Tonight,” “10 Tax Moves to Make in 2010,” and “Ailing Banks Favor Salaries Over Shareholders,” are all examples of the dozens of articles that could be found today at Yahoo! Finance. Yahoo! Finance is a finance website that offers lots of free information and tools all related to finance. There are many websites today that offers resources and tools related to personal finance and investing, so what does Yahoo! Finance have to offer?*Free- Although there are some services available for a fee, accessing the Yahoo! Finance website is free and so is the use of many tools.*Personalized Updates- If you choose to set up an account, you can get personalized updates when you log on about stocks or companies that you’re interested in.*Up to Date- This is one of the best things that sets Yahoo! Finance apart. Market indexes and updates are updated frequently and the “news” is fresh.*At a Glance- You can see Market index averages for the day including the DOW, NASDAQ, S&P 500 and more, as well as graphs showing the trend in these averages for the most recent working day.What’s Up at Yahoo! Finance?In addition to the Yahoo! Finance home page, you can find helpful pages on:-Investing-News and Opinion-Personal Finance-My Portfolios (if you choose to organize your financial information here)- A Tech TickerOn the Investing Pages at Yahoo! Finance:Find out about “Today’s Markets,” including recent earnings statements, recent stock splits and more.Mutual Funds, Stocks, ETFs, Options, Industries and Currencies are all explored furher. Find research, converters, calculators, articles and more.You can also learn more about world stock index levels, world news and exchange rates are under “International.”"Research and Education” offers a business term glossary, personal tutorials on finance and investing and more.Of course Yahoo! Finance also offer “Community,” a section where you can chat, ask questions or join groups.On the Personal Finance Pages at Yahoo! Finance:Get your personal finances organized at “Banking and Budgeting.” Free trials of online bill pay are available. Frequent offers include free for 6 months and $4.95 thereafter.More under Personal Finance…*Insurance*Taxes*Loans*Real estate* Family and Income*RetirementOn the News and Opinion Pages at Yahoo! Finance:Look for articles on…*Industry news*New technology*Top picks by expertsCreating a Yahoo! Finance Account:Creating an account at Yahoo! Finance is easy and free. Once you’ve created an account, you can personalize your logon so that the information that is important to you will be displayed including stock prices and relevant news pertaining to companies you are interested in.The Perks of Yahoo! Finance:Yahoo! Finance visitors and members enjoy that there’s so much financial information in one place and that the articles and financial charts on Yahoo! Finance are kept up to date. They also like that so many of the services available are free. Visitors also applaud Yahoo! for having limited ads.Popular Tools at Yahoo! Finance:There are rate charts and calculators for Mortgage, Home Equity, Savings, Auto Loans and Credit Cards for fixed loans and ARMs. You can see rates across the country as well view rates in your area.What’s not to love about Yahoo! Finance?While many users like the non-nonsense format at Yahoo! Finance, others find the finance web sites look to be drab, boring and unexciting with little more than two colors, black and blue, a limited photos.Still, Yahoo! Finance is recommended as a finance website that has a lot of helpful tools and resources that are well organized, up to date and more than not, free. </p>]]></content:encoded> <wfw:commentRss>https://acogdocms.info/56/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Advertising PR Jobs – Common Mistakes Made in Advertising PR Jobs</title> <link>https://acogdocms.info/53</link> <comments>https://acogdocms.info/53#comments</comments> <pubDate>Thu, 11 May 2023 09:13:47 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[advertising]]></category> <category><![CDATA[advertising agency]]></category> <category><![CDATA[advertising basics]]></category> <category><![CDATA[advertising concepts]]></category> <category><![CDATA[advertising fails]]></category> <category><![CDATA[advertising industry]]></category> <category><![CDATA[advertising space]]></category> <category><![CDATA[advertising week]]></category> <category><![CDATA[best advertising]]></category> <category><![CDATA[children advertising]]></category> <category><![CDATA[creative advertising]]></category> <category><![CDATA[digital advertising]]></category> <category><![CDATA[facebook advertising]]></category> <category><![CDATA[false advertising]]></category> <category><![CDATA[online advertising]]></category> <category><![CDATA[targeted advertising]]></category> <category><![CDATA[tv advertising]]></category> <category><![CDATA[visual advertising]]></category> <category><![CDATA[what is advertising]]></category> <guid isPermaLink="false">http://acogdocms.info/?p=53</guid> <description><![CDATA[To err is human – that is what we have been hearing since we were kids and many of us take this very cushion when we make a mistake. However when you’re in an advertising PR job, you simply cannot afford to make much mistakes; in fact if you really want to benefit from your [...]]]></description> <content:encoded><![CDATA[<p> To err is human – that is what we have been hearing since we were kids and many of us take this very cushion when we make a mistake. However when you’re in an advertising PR job, you simply cannot afford to make much mistakes; in fact if you really want to benefit from your position, you need to make sure that you do not make the following mistakes, at least!Common Mistake Made in Advertising PR Job #1: Too Much AdvertisementAdvertisement does not mean that you bombard people with advertisements even in their sleep! True, companies have increased advertisement spending but that is an overall effect of the newer companies coming into the scene as well. PR advertisement professionals were never this full with assignments! When working for a company, it is your responsibility if you’re in this role to explain your board of managers how too much advertisement can backfire.Common Mistake Made in Advertising PR Job #2: Too Less Advertisement!In the search of subtlety, there shouldn’t arise a case where you do not advertise at all, or advertise too less. Because of the fact that you’re an advertising and PR combo, you have to understand the DNA of the target crowd. You need to know what they are thinking and what attracts the people most.Common Mistake Made in Advertising PR Job #3: Being too ConventionalWhat makes people attracted to a particular advertisement? Is it the thought or the presentation or the amount of advertisement? A popular survey suggests that people are in awe of ‘intelligent’ advertisements rather than them which are ‘in your face’. Too much of advertisement might not help either. Therefore it is imperative as a PR advertiser that you keep innovating further and simplifying your advertisements further!Common Mistake Made in Advertising PR Job #4: Going Overboard with HumorHumor is something that people like in advertisements. But mindless laughs/gags? No way! Your advertisement should be such that they do not appear to be mocking someone or making fun at others expense. Even if the situation demands, there is a subtle way towards the ‘perfect’ advertisement.Common Mistake Made in Advertising PR Job #5: Ignoring the People PowerWhom do you seek to target with your advertisement? Not your boss – but the public, the target customers of your product. Apart from keeping them in good humor, you also cannot underestimate the power that the target consumer wields – one mistake and you’ll be struggling to keep up the pace.Common Mistake Made in Advertising PR Job #6: Ignoring Social MediaFacebook, twitter and other online social networking applications are not just for sharing pictures, videos and commenting on stuff. They make a great advertising tool for the guy in advertisement PR job. It is not hard to guess as why they have become much fancied tools/mediums for advertisement PR professionals. They can target much more than otherwise possible with conventional media and has the power to sway people to your product like no other! </p>]]></content:encoded> <wfw:commentRss>https://acogdocms.info/53/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Cheap Business Loans?</title> <link>https://acogdocms.info/51</link> <comments>https://acogdocms.info/51#comments</comments> <pubDate>Fri, 17 Mar 2023 17:10:39 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://acogdocms.info/?p=51</guid> <description><![CDATA[When most entrepreneurs begin the process of seeking a business loan, one of the first concerns that occupy their thoughts is the price of the loan – namely the interest rate they will be charged.As you already know, just getting a lender to consider your business loan request is hard enough these days – but, [...]]]></description> <content:encoded><![CDATA[<p> When most entrepreneurs begin the process of seeking a business loan, one of the first concerns that occupy their thoughts is the price of the loan – namely the interest rate they will be charged.As you already know, just getting a lender to consider your business loan request is hard enough these days – but, to get one to provide your business capital at a rate that you feel is the most beneficial to your operations is down right impossible.Every day I get requests from entrepreneurs (start-up or established business owners) who want to know where they can get a cheap business loan.My answer is always the same – define cheap.No loan is cheap but on the other side no loan is expensive either – if it is put to proper use.The difference between a few percentage points on a loan is no where near as meaningful as what is done with the loan proceeds. Business loans are meant to be a leveraging asset – meaning that you leverage current cash flow to obtain a loan then use that loan to generate more in new revenue than the loan costs.Thus, a loan is only an asset to be used by a business in its operation or quest to generate more income and wealth.Let’s take a simple example:You and another local competitor have identified a market niche that could potentially create new uses for your current products. While this market is yet unproven, you both believe that it has tremendous potential.You go to your lender seeking a business loan for $100,000 for three years. The lender agrees and quotes a rate of 10%; making your monthly loan payment approximately $3,227.You feel that this rate is too high given the long relationship you have had with this lender and all the money you have paid to them over the years. Plus, you spent a few hours online researching that the average business loan rate is around 8%.Your lender states that he might be able to get your rate reduced to 8% but you will have to wait until their next loan committee in two weeks to get it approved.At 8%, you monthly loan amount would be approximately $3,134 – a $93 per month savings or $3,351 over the life of the loan over the 10% rate for the same amount.In the mean time, your competitor goes to the same lender and receives a loan quote for the same amount at the 10% rate. Your competitor takes the deal.By the time the loan committee approves your 8% rate – your competitor has already executed its marketing plan for this new market, has created demand for its products and is now generating an additional $10,000 per month in new revenue from this niche.Once your loan is funded, you attempt to execute your marketing plan but find that you are a bit too late and your business is only able to generate $4,000 per month in additional revenue (your product is seen as a copy cat to the new market leader – your competitor).While this new revenue pays for the loan – the new revenue generated for your business is still some $6,000 per month lower than your competitor.Let’s look at the difference. Over three years, the total amount that you have to repay for the loan is $112,811 ($3,134 times 36 months). Your business brings in $4,000 per month for those same 36 months and you earn $144,000 with a net profit of $31,189.Your competitor spends more on his loan – $116.162 – but earns some $360,000 or net profits of $243,838 or 782% more than your business all because you wanted a cheap loan.The bottom line here is that the cost of the loan really did not matter here. The price that your business paid for not getting into this niche before your competitor is much higher (a loss of some $6,000 per month in revenue) then the $93 per month you saved.If you compare his rate of 10% to the profit he made of some $6,773 per month ($10,000 – the monthly payment) – his loan really was the cheaper one.And, it really doesn’t matter if you actually had a competitor trying to beat you to the market. There is an opportunity cost of not taking a business loan or by not getting it when the time is right.Even if you were just delayed a few weeks while fighting for a lower rate – the amount of income that you lose by waiting (an amount that you can never make up as time does not go backwards) would exceed the amount you were trying to save – in this case, (if you did not have a competitor beat you to the niche) waiting two weeks would cost about $5,000 in new revenue while you were only getting a savings of $3,351 at the lower interest rate.Now, I am not saying that you should not try to get a better deal or lower interest rate but, make sure that by doing so you are not giving up more then you are trying to save.Thus, while you squabbled over a few percentage points looking for that so called cheap business loan, the price you paid for not getting your loan on time by far exceeded any potential savings.The idea is not to try to seek a lower interest rate business loan just based on the loan itself. The whole deal (both potential and costs) have to be analyzed to fully understand what is a cheap business loan and what isn’t. </p>]]></content:encoded> <wfw:commentRss>https://acogdocms.info/51/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Online Finance Services – Power To The People</title> <link>https://acogdocms.info/49</link> <comments>https://acogdocms.info/49#comments</comments> <pubDate>Fri, 17 Mar 2023 15:21:15 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://acogdocms.info/?p=49</guid> <description><![CDATA[In this day and age, every second, new ways of empowering the common-folk are being discovered. The most sought-after mechanisms are being seen in the financial sector, especially in internet finance. With banking getting more and more complicatedly cumbersome, easier methods are being designed to provide the public with “money” as and when they need [...]]]></description> <content:encoded><![CDATA[<p> In this day and age, every second, new ways of empowering the common-folk are being discovered. The most sought-after mechanisms are being seen in the financial sector, especially in internet finance. With banking getting more and more complicatedly cumbersome, easier methods are being designed to provide the public with “money” as and when they need it and wherever they need it.Trending today is the very well-known concept of digital currency. Though there are still apprehensions about its use, it has taken the world with a sweep and gained popularity because of the convenience it has to offer. An example of digital currency would be the popular Bitcoin. Many online merchant websites have accepted bitcoin as the form of payment for making purchases from their website.This type of currency does not require any identification on the part of a purchaser; therefore animosity is one chief benefit that it has to offer. In the form of investment, Bitcoins have proven to be profitable. This is because of the reason that its price in Dollar equivalents has been on the rise ever since its conception. If you own two Bitcoins that have a net present worth of $800, by the end of the year this price has all the possibility of rising up to $1000 for two Bitcoins. Thus, you can either use your Bitcoins for online transactions or keep them safe as an investment for your rainy days.Another convenience in this box has the name of mobile payment systems. You must have heard of Google Wallet, or something similar from other global corporations. With the advent of payment systems such as these, it has become highly probable to enter a cashless future very soon. Currency has undergone drastic changes in this era – morphing from cash to cheques, from cheques to debit and credits, from that to finally online wallets. This wallet is the online phone-app version of your bank account. In every sense, it is a wallet, only it exists digitally. Whatever purchases you make through your phone or over the Internet, this wallet enables you to pay for those purchases, removing from the loop all the banking-paperwork otherwise required. These payments are not just limited to Internet. The NFC technology enables you to check-out of physical counters by a touch of your smartphones, although this method has attracted scepticism. Either way, convenience is convenience. It is safer for you if you don’t carry much cash around. Just use your smartphone.Finance over the internet has plunged into another very fascinating service – the crowdfunder. This concept is by far the most useful of all, because it enables entrepreneurs to gather online and share funds for their business. Elaborating it further, it means that if five people are interested in setting up a, say, online shopping business, but are short on funds individually – they can come together on a crowdfunding website and combine their money in a partnership. This way, they all get what they want, including the money to start their business. These people can also decide to share their funds with some other entrepreneur to help him get started. The internet has thus changed the scene of financing sector.To get more crowdfunding news, visit Moneysedge.com </p>]]></content:encoded> <wfw:commentRss>https://acogdocms.info/49/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Best Online Finance Degree</title> <link>https://acogdocms.info/46</link> <comments>https://acogdocms.info/46#comments</comments> <pubDate>Fri, 17 Mar 2023 13:46:34 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://acogdocms.info/?p=46</guid> <description><![CDATA[Finance is one of the flourishing sectors in recent times. With the increase in the management and professionalism, the development of business has developed a sudden urge for the finance graduates with the increasing professionals in the field. Acquiring a degree through distance learning provides the students with an opportunity to develop an option to [...]]]></description> <content:encoded><![CDATA[<p> Finance is one of the flourishing sectors in recent times. With the increase in the management and professionalism, the development of business has developed a sudden urge for the finance graduates with the increasing professionals in the field. Acquiring a degree through distance learning provides the students with an opportunity to develop an option to learn and earn. Best Online Finance Degree provides the students with an opportunity to opt for some of the best program and learn unlike the usual traditional format of education. The degree facilitates a wide array of options for the students to choose amongst the financial degrees available with the best institutes that suits you appropriately.It is seen that the finance professionals are gaining larger scope with the passing time with the fast paced world of commerce and business. The fields like banking, economics, insurance, trading, brokering, currency, etc finance professionals are seen to have a major role play in the economic situation of the nation. Including the corporate leaders as well as the business activist, everyone requires ace finance professionals for the development of the capital.Best Online Finance Degree provides you an opportunity to generate a lucrative career in the finance field. It is noticed that not only students but many working adults have chosen online finance degree in order to run along with the advancements taking place in the modern dynamic industry. Due to the rising demand for the finance professionals wide range of universities and institutes offer online finance degree. The options for these degrees include bachelor, master and PhD. With the selection for the level of degree you can opt for any of the program.As the career provides lucrative options, the investment offered for the program is equally expensive. However there are wide range of educational loans and scholarships in the market that can help you financially in acquiring the degree. Yet another prominent point to be kept in mind while acquiring the degree includes the selection of institute or university. As there are wide range of institutes and universities offering this course, however the deciding factors like popularity of the institute, accreditation, cost, etc in order to select best online finance degree. You also need to employ some of your time in generating the budget for your full-time course. Plan and executive all your expenses in the due process and generate a proper financial plan for the long-term. </p>]]></content:encoded> <wfw:commentRss>https://acogdocms.info/46/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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