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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>aruautoms.info</title> <atom:link href="http://aruautoms.info/feed" rel="self" type="application/rss+xml" /> <link>https://aruautoms.info</link> <description></description> <lastBuildDate>Thu, 27 Feb 2025 05:05:46 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>The Payday Loan, Also Called a Cash Advance</title> <link>https://aruautoms.info/65</link> <comments>https://aruautoms.info/65#comments</comments> <pubDate>Mon, 17 Jul 2023 23:37:57 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Online payday loan]]></category> <guid isPermaLink="false">http://aruautoms.info/?p=65</guid> <description><![CDATA[At a time of financial distress, the payday or cash advance can be utilised to protect your good credit rating. Not everyone is aware of this opportunity, although companies granting these short-term loans proliferate on the internet. Most are reputable … <a href="https://aruautoms.info/65">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> At a time of financial distress, the payday or cash advance can be utilised to protect your good credit rating. Not everyone is aware of this opportunity, although companies granting these short-term loans proliferate on the internet. Most are reputable organisations; however, you should be aware that there are a few bad apples in this barrel of pounds. You can protect your best interests by verifying the reputation of the company you plan to apply to. The Better Business Bureau is a good resource to use as they will have a record of any complaints lodged against a business.Once you have selected a lending organisation with a clear record of doing business, ask questions about any fees over and above the interest you will owe when the loan is repaid. Ask about any additional fees that will be assessed if you need to rollover, or extend the payment or partial payment on the loan. Some payday loan companies will rollover the money owed; however, this can be expensive. Some will offer a weekly payment plan, which will also add an additional fee to the amount you owe.The short-term payday loan is convenient. You may apply from the comfort of home and use the internet to do so. You will not have to provide any supporting documents by fax or post. Check advance processing is quick. In some cases you may file your application in the morning, get an answer by noon and have the money in your checking account by the end of the day. This is an added convenience when the funds are needed in a hurry.Some people misinterpret the practicality of these loans. They are what they are intended to be, short term loans that must be repaid on the payday following your fund being deposited into your checking account for immediate use. They are not intended to be heaped on the backs of the destitute poor. They are intended to be used by working people who have steady employment and a checking account in their name. They are not intended to take advantage of anyone. The loan is more risky for the lender; therefore, it stands to reason that the interest rate will be higher. The only collateral the lender has is the income of the borrower.Often someone has maxed out all credit cards, run out of family members to borrow money from and an emergency arises out of nowhere. The individual is either left unable to cope or use the more attractive option, the payday loan. The interest rate may be high, but when it is repaid on time, it is only a one-time charge. Any additional fees are disclosed to the borrower before a contract is signed. If the borrower is certain he or she can repay the loan on time, there will be no unforeseen fees added to the amount to be repaid.What is the Procedure for Obtaining a Payday Loan?The payday loan service is offered online. There is an upper limit to how much you can borrow. That amount is calculated based on your earnings. You apply online and the lender makes a decision in your favour or against it. You must have a steady job and a valid checking account for making the loan and repayment transactions. The lender will deposit the loan funds into your checking account after you are approved. Then, on your next payday, the lender will use a post-dated check provided by you to be repaid the loan amount plus interest and any applicable fees. If you keep your part of the agreement, the payday loan company will keep theirs.The advantages are rapid funding, regardless of your bad credit and you will not owe the money for a long time, which will limit the amount of interest you will pay for the privilege of getting the loan. A payday lender uses another financial institution to lend them the money to finance their loan to you. Since the loan company is asking for a secured loan, which means they have collateral to offer, they pay a considerably lower rate of interest. They must charge a higher rate of interest when they grant a high risk loan to you. It may seem high; however, consider the fact that they are in business to make a profit.A Payday Loan Has BenefitsThe payday loan is beneficial only when you use it as a short-term solution to a problem. When repaid on the payday following the loan, it will get you out of a bad situation by providing the emergency funds you need. If you do not have a credit card, or you have used it up to the limit, you may be in danger of eviction, or having the heat turned off in your flat. To avoid this, the payday loan is the ideal solution. The high interest rate is likely not as high as late fees charged by your landlord or your utility company. Unlike the credit card, with your payments will going on month after month, your payday loan will be finished in two weeks to one month. You may know how compound interest works. On a credit card, the interest you pay is charged not only on the balance owed, but also the accrued interest is added to the balance each month and you end up paying interest on the interest. With a short-term payday loan, you make one interest payment along with the repayment of the original loan, and that is the end of your debt.You Can Avoid Ruining Your Credit by Taking out a Payday LoanIt is fast and easy to accrue credit card fees and penalties, which will then have compound interest piled on top of those fees and penalties. If you have reached the upper limit of your capacity, you will be without money to pay the bill and without money to compensate for not being able to charge merchandise you may need.Avoid accruing those late fees for non-payment on your credit card. Apply for a payday loan, make the payment on your next payday and you will not have to pay interest on the money month after month. The direct debit loan is fast and easy, but without the disadvantages of using a credit card for an emergency. Paying the credit card or another bill that may be close to overdue will preserve your credit rating.A late payment to your credit card company will be a blot on your credit rating for five years. Saving your good credit score is worth any amount of interest paid to the payday loan company. The payday loan will be repaid in two weeks to one month. If you make a late payment on your credit card, it will linger on your credit record for five years. The advantages of the payday loan far outweigh the disadvantages, which are minimal compared to destroying a clean credit history you may be building to qualify to purchase a home or new automobile in the future.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://aruautoms.info/65/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Learn How to Manage Your Own Musical Career With a Degree in Music Business Management</title> <link>https://aruautoms.info/63</link> <comments>https://aruautoms.info/63#comments</comments> <pubDate>Sun, 09 Jul 2023 19:22:12 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://aruautoms.info/?p=63</guid> <description><![CDATA[A degree in music business management is extremely helpful especially if you’re a musician who prefers to be more hands-on when it comes to managing your professional career. Aside from learning the fundamentals of building business careers in the music … <a href="https://aruautoms.info/63">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> A degree in music business management is extremely helpful especially if you’re a musician who prefers to be more hands-on when it comes to managing your professional career. Aside from learning the fundamentals of building business careers in the music industry through internships and application-based instruction, you can also work on your musical craft and develop your own unique sound as an artist.Because artist and manager disputes are very common in the music industry, some musicians prefer to manage their professional careers themselves. However, without the skills, know-how, and connections, managing your own career can result in confusing and often disappointing predicaments. Thankfully, some contemporary music schools are now offering hands-on music business degrees that can help you learn the fundamentals of marketing and promotion, music publishing, music contracts, and personal management.Compared to theory-based music business courses, the programs offered in some schools focus more on practical application. Together with your classes in voice or your specific instrument specialization, you get to take up intensive studies on the contemporary industry scene under the tutelage of industry veterans who have made it big in the business.You also learn the ropes and build connections through training and internships in successful record companies. As a final project, you get to learn the complete record company business cycle from start to finish as you introduce an actual independent artist to market. By taking up a Music Business Management course, you gain the necessary skills and knowledge needed to self-manage your career wisely and be the next recording sensation.</p>]]></content:encoded> <wfw:commentRss>https://aruautoms.info/63/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How To Start A Small Online Business From Home In 3 Simple Steps</title> <link>https://aruautoms.info/58</link> <comments>https://aruautoms.info/58#comments</comments> <pubDate>Fri, 12 May 2023 11:01:42 +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://aruautoms.info/?p=58</guid> <description><![CDATA[Everyday more and more ambitious and excited people both (young and older) are searching for good information that will help them to learn how to start a small online business for two main reasons and they are:1.) Because if you … <a href="https://aruautoms.info/58">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Everyday more and more ambitious and excited people both (young and older) are searching for good information that will help them to learn how to start a small online business for two main reasons and they are:1.) Because if you have very little knowledge in this area this is a great way to find the best web business that will work for you while using very little money to get started and2.) Convenience – You can actually start right now working from home and begin creating an online asset that will allow you to earn money online within a few short months or even weeks.One of the best things about learning how to create an online business is that it does not require you to have or invest a great deal of money to actually get your business online and attracting customers. With the right instructions and guidance you can actually learn how to build your web business while you are also working on creating an online income for yourself.With that said, it is important to keep in mind that this will be an on going process for you and just like in any real business there is a certain amount of work that will be needed before you can realistically expect to start seeing any significant results.However when you focus on getting the training and guidance that you need, it will help you make more and faster progress along the way on your journey to success.3 Tips To Help You Learn How To Start A Small Online BusinessHere are 3 of the basic and fundamental things that you will want to do so that you are setting yourself up for success.Tip #1.) Create a work space for your computer, printer and all other business related things. This should be a comfortable place, free from interruptions and distractions.Tip #2.) Create a work schedule that you can stick to and that will allow you to complete the work that you need to complete in a timely manner.Tip #3.) Plan your projects, goals, tasks and time in advance and stay focused on doing the things that you need to do in order to make your small online business a huge success for you.These initial things can be seen as a part of your administrative or preparation tasks to be completed. They will allow you to clear the way for the next phase in your business building efforts.3 Simple Steps To Take Next To Learn How To Start A Small Online BusinessWith the above three tips taken care of you will now be ready to start taking steps to set your small online business up for success. This will include taking the following steps:Step #1.) Find a niche market to work in – This should be a subset of a larger market, for example weight loss for women is a subset or niche within the health market. It needs to be in an area where people are willing to spend money in and it needs to be in a market that you can passionately work in, so it should be of some interest to you.Step #2.) Choose your business model – Now its time to decide on your online business model and there are basically two different models to choose from the easiest is the affiliate marketing structure.This is where you are promoting a product for a merchant or vendor and when a sale is made as a direct result of your marketing efforts, you earn a commission. By making lots and lots of referrals that turn into sales, you can create a substantial income with this business model.Here is where you can get a Free eBook created by Chris Farrell to learn more about how affiliate marketing can work for you http://creating-an-online-business.info.The next option is to be a product creator which will allow you to sell your own products that you create and also recruit other affiliates to help generate more sales as well. This option allows you to keep more of the profits from your own sales however it does require a great deal more work initially to get the product created and your sales funnel put in place.Step #3.) Identify the tools and resources that will be needed – This will vary based upon which business model you will be using however you will basically need the following items:+ A blog or website with hosting<br />+ An auto responder service for doing followup marketing with potential customers<br />+ Content for your potential customers<br />+ Affiliate product or services to promoteOnce these three steps have been completed you will then be ready to move forward based upon the business model that you have identified as the right one for you to use to learn how to start a small online business. </p>]]></content:encoded> <wfw:commentRss>https://aruautoms.info/58/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Telecommunication Land Surveys</title> <link>https://aruautoms.info/56</link> <comments>https://aruautoms.info/56#comments</comments> <pubDate>Fri, 12 May 2023 05:41:54 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Telecommunications]]></category> <guid isPermaLink="false">http://aruautoms.info/?p=56</guid> <description><![CDATA[As we move ever farther forward into the 21st century and absolutely everything becomes wireless and the amount of information we want to send grows, the means to carry that information forward becomes even more important. Most of us take … <a href="https://aruautoms.info/56">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> As we move ever farther forward into the 21st century and absolutely everything becomes wireless and the amount of information we want to send grows, the means to carry that information forward becomes even more important. Most of us take for granted the freedom that the presence of cell towers allows us. But we’ve all encountered those areas were we can’t get a signal – there’s even a national advertising campaign about it. Portrayed as something out of a horror movie, those areas where calls are dropped are becoming fewer and fewer. Few people, however, realize the work, planning, and negotiations that go into adding to the all-accessible, all the time way of life to which we’ve become accustomed. Land surveying is a crucial part of this process.For one of the oldest professions in the world (not that one), land surveying has branched out into a brave new world. Telecommunication Land Surveys are not a one-step process, but rather a multi-layered conglomerate of many different facets that must come together and be organized under one final report.Depending on the location of the proposed cell tower, different things must be taken into consideration. For a cell tower to be constructed on vacant land, a Raw Land Tower Site Survey must be completed, as well as a Boundary Survey. If the location is in a populated area, and to go on an existing building, then a Roof Top Communication Survey must be conducted. Co-Location Tower Surveys are used when two different providers want to utilize the same location.Regardless of location, there are some surveys that are universal to the cell tower approval process. An FAA 2C or 1A Certification may be in order, depending on the ownership of the communications tower and what the proposed use is.Existing telecommunications towers may still need to be surveyed, especially if they have been in use for some time. A Co-Location Tower Survey, Cell Tower Title Review, or a Cell Tower ALTA Survey (which meets all the ALTA/ACSM standards) are all something an accredited and registered land surveying company can help you with.For all cell towers, once the proposed location has passed all requirements, a Site Construction Survey must be completed. As well, a Tower As-Built survey must be conducted several times during the construction process to ensure that the tower adheres to all of the specifications drawn up in the original survey and plans.With the recent changes in technology and the growing need to send even more and bigger amounts of information wirelessly, the demand and concerns over wireless telecommunication towers has also grown. As have the regulations and ordinances now surrounding getting one approved. In order to save time and money companies are best served by thoroughly researching their options and making sure to have reputable surveying companies perform the necessary surveys. </p>]]></content:encoded> <wfw:commentRss>https://aruautoms.info/56/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Importance of Proposal For Development Finance</title> <link>https://aruautoms.info/54</link> <comments>https://aruautoms.info/54#comments</comments> <pubDate>Thu, 11 May 2023 15:23:11 +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://aruautoms.info/?p=54</guid> <description><![CDATA[When you are considering development finance in the UK, it does not come easy as buying a commodity. You need to work it out. The ‘work’ that we are talking about is the development finance UK application. Of course, it … <a href="https://aruautoms.info/54">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> When you are considering development finance in the UK, it does not come easy as buying a commodity. You need to work it out. The ‘work’ that we are talking about is the development finance UK application. Of course, it is a good news to receive approved feedback from lenders. However, not all developers get this news. Even if they do, it has developed considerable delay. Time has been wasted waiting. Why? Because of what is shown and what is not shown in the proposal. To get the best result in the application, you should be able to make the right proposal.Getting the right proposal requires expertise in the development finance UK field. Lenders may differ in their criteria when evaluating the data presented. Nevertheless, generally, the proposal should carry with it all relevant information about the development and its possible earning. It should not just be about how good and beautiful the property will become after development. It should detail how profitable it will be. You will then have to develop a clear plan and figures. You don’t have to make a very long story about how you’ve discovered the land. You just need to be precise, clear and profitable.Aside from the data about the development, you need to assure lenders of their minimal risk in the project. Projects with high risk may either require high security or disapproval of the proposal. This should start with having feasible project at hand. Being able to prove its feasibility would help. Despite minimal risks however, lenders want to see the level of security they get from the project. You should show them their security, not yours.To get the most of your proposal-making, it pays to work with professional and experienced development finance broker. As experienced brokers, they have dealt with different lenders and substantially learned what lenders are looking for. </p>]]></content:encoded> <wfw:commentRss>https://aruautoms.info/54/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Shocking Truth! Is Your Blog Throwing Away Advertising Revenue?</title> <link>https://aruautoms.info/51</link> <comments>https://aruautoms.info/51#comments</comments> <pubDate>Thu, 11 May 2023 10:14:44 +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://aruautoms.info/?p=51</guid> <description><![CDATA[Blogging is hugely popular and blogs range in sophistication from humble online diaries to massive corporate promotion machines. For those who intend to make money from their blogs, there are a multitude of methods and techniques available in order to … <a href="https://aruautoms.info/51">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Blogging is hugely popular and blogs range in sophistication from humble online diaries to massive corporate promotion machines. For those who intend to make money from their blogs, there are a multitude of methods and techniques available in order to do that. One of the best ways to make money with your blog is by making it attractive to advertisers.So why are so many bloggers throwing away this opportunity?Well, the simple answer is they probably aren’t aware of it. So let’s look at the most successful ways of attracting advertisers to your blog so that you can make money from your hard work.Most bloggers wanting to make money with their blogs start by adding pay per click ads. These will earn you a few cents for every click they generate, but the downside is that once that visitor has clicked the ad, they are taken away from your blog, never to return.Some of the more enlightened bloggers are turning to more intelligent ways to make money from advertising. More importantly, they are looking at ways of ensuring their visitors stay at their blog.There are several ways to make money doing that, most notably by using advertising space to promote affiliate products. By coding the link so that the vendor’s site opens in a new window or tab (for those using the Firefox browser), they not only earn considerably more in commission for a sale, but the visitor stays with the blog because the window or tab is still open. This is something that cannot be done with pay per click advertising because the terms of service often forbid the company’s code being tampered with in any way.But the most lucrative way to make money from your blog is to attract advertisers.There are several companies already set up that act as go-betweens to put advertisers in contact with blog owners. The usually have set tariffs and pricings to suit a blog’s page rank and Alexa rating, by which they gauge a blog’s traffic potential. This is fine for most blog owners as all the hard work is done for them, they just have to make the space available for either text or banner ads and then sit back and watch the money roll in on a monthly basis.Fine, except that the middle man takes around half the revenue generated by the advertisement.While this represents a substantial loss in a blog owner’s potential advertising revenue, it’s not particularly great news for the advertiser either. Some of the bigger companies that have large advertising budgets may see this loss as a mere drop in the ocean. But there are plenty of smaller companies that would like to use blog advertising space to make money for themselves only to find that fifty percent wastage on their budget too much to lose. So they look to other, probably less viable but cheaper methods of spreading the word and the blogger loses out.There is a solution to this dilemma that suits both the blog owner and the advertiser.That is for the blog owner who really wants to make money to set up their own advertising page and deal directly with the advertiser. By doing this yourself, you can offer advertising space on your blog direct to smaller companies who can afford the lower cost per month by cutting out the middle-man.This is easier to do than a lot of blog owners realise. By missing this opportunity it could be costing them a small fortune in lost advertising revenue. Blogs are very easy to customise and one of their great strengths in this department is the ability to add new pages as easily as adding new posts.So it’s a simple affair to create a new page on your blog and label it “advertise here” or similar.On that page, you set out the advertising tariff that best suits the popularity and average monthly traffic stats for your blog. That work is done for you if you have already set up an account with one of the ad company go-betweens. They will have suggested a monthly rate for text and banner ad space.So to keep things simple, you just use their figures. Once this is done, you can then approach advertisers and offer your advertising space for half the price the middle men want to charge them for the exact same space.Think the advertisers won’t bite your hand off?You should offer a choice of text ads, banner ads and even one-off reviews of sites or other blogs including a link that will remain in your blog’s archives indefinitely.So now all you need to do is to attract advertisers to your blog.How is that done?Well, the usual traffic promotional methods still apply. Article marketing attracts visitors to a blog or website in great numbers. Amongst those visitors will be owners of sites who may want to place some low cost advertising but don’t know where to go to do it. By simply marketing you blog and mentioning that there is a policy for direct advertising for a reasonable cost, those potential advertisers will then know where to go. They’ll visit your blog and read the “advertise here” page.If they like your tariff, they will get in touch.Another solid method of spreading the news is to get busy social networking. This takes the form of registering with some of the top social networking sites and getting yourself and your blog known by the members. This also increases your traffic, making your blog an even more lucrative advertising medium. It won’t be long before certain members will seek out your blog to advertise on.Don’t forget the established mainstay of site promotion: The forums. Use your forum signature to direct members to your blog and post about the advantages of direct advertising. As long as you’ve established yourself with that forum, you’ll create interest amongst the members which will turn into more potential advertisers.Whatever methods you use to attract advertisers to your blog, be patient as it may take a while for the first tentative inquiries to find you. Remember, it only takes one very high profile site or company owner to take a shine to your blog and others will follow suit in droves.By ensuring that these advertisers are kept happy knowing that their advertising budget is being used economically, you’ll start to make money in your sleep from your blog as more and more advertisers find you. It’s one of the nicest win-win situations to be in! </p>]]></content:encoded> <wfw:commentRss>https://aruautoms.info/51/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Is It a Good Idea to Get a Personal Loan to Pay Off My Credit Card?</title> <link>https://aruautoms.info/49</link> <comments>https://aruautoms.info/49#comments</comments> <pubDate>Sat, 08 Apr 2023 23:05:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[credit cards]]></category> <guid isPermaLink="false">http://aruautoms.info/?p=49</guid> <description><![CDATA[We get a lot of emails from people who are really up to their eyeballs in debt. One question we get asked time and time again is, “Should we get a personal loan to pay off our credit cards?” Each … <a href="https://aruautoms.info/49">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> We get a lot of emails from people who are really up to their eyeballs in debt. One question we get asked time and time again is, “Should we get a personal loan to pay off our credit cards?” Each situation is different.The reason why people ask us this question is very simple. On a credit card you are paying 20% plus a year on interest, where on a bank loan you are paying 10% a year interest. The difference while only 10% is huge in dollar terms over a year and it can mean the difference in paying down an amount of debt in a much quicker time. The answer seems pretty easy right; well there are many shades of grey in the answer.However there are a couple of questions you should ask yourself. Only when you can answer YES to each question should you think about getting a personal loan to pay off your credit card.1. Once the credit cards are paid off will I cancel them?<br />There is no use in paying off your credit cards in full only to start at a zero dollar balance and start racking up debt on them again. Just because you pay down your credit card to zero, the card company doesn’t cancel them. You need to request this. We have known people in the past who have done this and continued to use the card like it was someone else’s money. Fast forward a year. They now have a portion of the original debt on a personal loan, plus their credit cards are in same debt position they were when they took the loan out. You need to be able to cancel the credit card 100% when the balance has been paid down.2. Are you comfortable with your home budget?<br />Are you just scraping by month to month? Or do you need to resort to credit cards to make up the difference. Many people believe if they take out a personal loan to pay off their credit card this will be the answer to their budgeting problems. They take out a personal loan, pay off their credit card, they take our advice and close their credit card. However then tragedy strikes, their fridge breaks down. Due to the fact they are living pay cheque to pay cheque they have no money saved. As quickly as you can say, “I’m doing something that is not very smart” they are back onto any credit card company for a quick approval to get a new plastic card to cover the fridge. Or they are down at the shops taking up an interest free offer on a fridge. Before you take out a personal loan, test yourself. Run through a few scenarios in your mind. What would happen if you needed $1000, $2000 or $3000 quickly? Could you cover it without resorting back to opening a new credit card?3. Have you got a debit card?<br />There are some payments in this world where you need a credit card number. Let’s face it, over the phone and internet shops, sometimes credit cards are the only way to pay. A debit card allows you to have all the advantages of a credit card but you use your own money. So there is no chance of being charged interest. When closing down your credit card, make sure you have already set up a debit card. Make a list of all the monthly automatic direct debits. You can easily call these companies and get them to change your monthly automatic direct debits to your debit card. You don’t want to start getting late fees due to your credit card being closed when companies try to make withdrawals.4. Can you make additional payments on your personal loan without being penalised?<br />While credit cards are a financial life-sucking product, they have one good advantage. You can pay more than the minimum payment without getting penalised financially. For example, if you had $20,000 owing and paid off $18,000, there is no penalty for this. Personal loans are not always this cut and dry. There are two different types of personal loans to consider; fixed interest and variable interest.The big difference is with variable interest you can make additional payments without being penalised (or just a minor fee is charged on the transaction depending on the bank). However with fixed interest, you are agreeing to a set amount of interest over the course of the loan. In fact you could pay out a 5 year fixed interest loan in 6 months and you will still be charged the full five years of interest.We strongly suggest you take out a variable interest loan. You would have the major advantage of paying additional money to cut the time of the loan, and the total interest you must pay. If you are reading this we would like to think you are extremely keen to get out of debt. And you would be looking to put any additional money to this cause. As your budget becomes healthier over time you should have more and more money to pay off the personal loan. You don’t want to be in a situation where you have the money to pay out the loan in full (or a considerable amount; however there is absolutely no financial benefit by doing it.5. Is the credit card balance too high to pay out in the next six months?<br />If you owe $20,000 on your credit card, have $500 in the bank and you are living pay cheque to pay cheque, then obviously you will need more than six months to pay back your total debt. However if you only owe an amount, which when carefully looking at your budget you truly believe you could pay out in 6 months, our advice is to forget about the personal loan and concentrate on crushing, killing and destroying your card. With most personal loans you will need to pay an upfront cost, a monthly cost and in some cases, make several trips or phone calls to the bank. All these costs can far outweigh any advantage of getting interest off an amount you are so close to paying back. In this case, just buckle down and get rid of the card.6. Have you looked at a credit card balance transfer? ***(Very Risky option, only look at this option if you are 100% disciplined)***<br />If you can look back at point 1 and 2 and you can answer a FIRM YES on both these points, why not call around and look at what a balance transfer could do for you? Some credit card companies will offer you a zero interest balance for up to a year. You can make as many payments as you like with a zero interest balance.Just some things to ponder here about a balance transfer vs. a personal loan:<br />1. One great thing about a personal loan is it’s not like cash. Once you have used it to pay back your credit card debt, there is nothing else to spend. However with a balance transfer you can get yourself into trouble. For example if you have a $20,000 credit card balance transferred to your new card, the new card might have a $25,000 limit. Credit card companies are smart and they want you to keep on spending and racking up debt. You could easily fall back into old habits. Especially due to the fact, there is a 0% interest rate. Can you not spend one additional cent on the new card while you pay down this transferred balance?2. Credit card companies like you to pay as little back to them each month as possible. Unlike a bank loan where you dictate how long it will take you to make the loan over (e.g. 1 year to 7 years). Credit cards can stay with you until your funeral if you never pay it off in full. In fact credit card companies in some cases will take as low as 2% of the total outstanding balance as a monthly payment.To put this into perspective let’s compare $20,000 with a credit card @20% interest vs. personal loan over 4 years @ 4% interest.<br />On a balance of $20,000 on a credit card over one year you would be FORCED to pay $4713<br />On a balance of $20,000 on a personal loan over one year you would be FORCED to pay<br />$6087On a balance of $20,000 on a credit card over four years you would be FORCED to pay $17,770 (This amount would pay down the balance to $17,037)<br />On a balance of $20,000 on a personal loan over four years you would be FORCED to pay<br />$24,348 (This amount would pay the balance down to zero)As you can see, having a personal loan forces you put your money towards your debt. However a credit card almost encourages you to put as little as possible towards it. Most people don’t have the discipline to put above and beyond the minimum payments of any debt. You need the discipline of tough nails to take this option.3. Do you know what happens when the 12 month zero interest free period runs out?<br />At this point what interest rate will you get? Do they back charge the interest on the remaining debt from the start date? What is the annual fee? Are there any fees for redoing a balance transfer to a different card/company? These are the questions you need to ask before moving your money over on a balance transfer. There’s no use doing a balance transfer if you are going to get a ridiculous rate of interest once the honeymoon period is over. You need to know all these things before you do it. The optimal idea is once the honeymoon period comes to a close you do a second balance transfer to a new card with 0% interest.If you haven’t got it by now, please be aware that balance transfers are an extremely risky path to take. We only suggest you do them if you are 100% ready, willing and able to pay back this option in the same time as your personal loan. There are pitfalls all along this path. If for any reason you have some self doubt DO NOT TAKE THIS OPTION. Go back to the personal loan option.7. Do you know if you can get back your annual fee?<br />While this question should not influence your ultimate decision to get a personal loan, it is one you should ask. If you pay $100 for an annual fee in January with your credit card and you decide to pay out and close the card in June, some card companies will give you back the remaining annual fee. While the amount in this case might only be $50, it all adds up. However you need to ask for this fee. Some credit card companies in my experience have a nasty habit of forgetting to automatically send you a cheque. You might as well ask the question.Final Conclusion: As you can see there are many shades of grey when asking this question. You need to sit down and do the sums and come up with the best option for you. If you can answer yes to these seven questions, at least you will have all the information at hand to proceed with the best decision. Please, please, please do not do a balance transfer unless you have all your ducks in place. My advice is for every one person this suits, there are 20 it would not. </p>]]></content:encoded> <wfw:commentRss>https://aruautoms.info/49/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Chinese Medicine Degree Programs</title> <link>https://aruautoms.info/46</link> <comments>https://aruautoms.info/46#comments</comments> <pubDate>Sat, 08 Apr 2023 22:37:12 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Medicine]]></category> <guid isPermaLink="false">http://aruautoms.info/?p=46</guid> <description><![CDATA[Find Chinese medicine degree programs in the United States and Canada. Chinese medicine degree programs are becoming more and more popular. Students interested in enrolling in one of several Chinese medicine degree programs will find that a great number of … <a href="https://aruautoms.info/46">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Find Chinese medicine degree programs in the United States and Canada. Chinese medicine degree programs are becoming more and more popular. Students interested in enrolling in one of several Chinese medicine degree programs will find that a great number of alternative and Oriental medicine schools offer these programs, and certificate courses.For example, students participating in Bachelor of Applied Science Chinese medicine degree programs will gain a wealth of knowledge and skills in complementary medical systems (Chinese medicine and Western medicine) entailing coursework and practical training in acupuncture, herbal medicine, massage therapy (Tuina – Chinese medical massage), and nutrition. In addition to clinical subjects, students participating in Chinese medicine degree programs will acquire in-depth knowledge about anatomy, physiology, pharmacology, pathology and traditional Chinese medicine (TCM) theories and history.Students may also engage in a masters of science in Oriental medicine course. This Chinese medicine degree program provides students with a four-year curriculum that trains future practitioners in classical Chinese medicine; preparing candidates to become licensed in the art of acupuncture and Oriental medicine. In many cases, most states require national certification from the National Certification Commission for Acupuncture and Oriental Medicine (NCCAOM) prior to attaining licensure.Furthermore, if you’re like most ambitious students, you can opt to enroll in a dual Chinese medicine degree program where you can attain both your degree in classical Chinese medicine and in naturopathy. These Chinese medicine degree training programs do require a fair amount of time and dedication; often lasting about 6 years in duration. In addition, like many conventional degrees, earning your Chinese medicine degree at one of several healing arts schools often means that you must have had attained prior formal education and training from one of several traditional colleges and/or universities.If you (or someone you know) are interested in finding Chinese medicine degree programs, let education within fast-growing industries like massage therapy, cosmetology, acupuncture, oriental medicine, Reiki, and others get you started! Explore career school programs [http://school.holisticjunction.com/clickcount.php?id=6634739&goto=http://www.holisticjunction.com/search.cfm] near you.Chinese Medicine Degree Programs© Copyright 2007The CollegeBound NetworkAll Rights ReservedNOTICE: Article(s) may be republished free of charge to relevant websites, as long as Copyright and Author Resource Box are included; and ALL Hyperlinks REMAIN intact and active. </p>]]></content:encoded> <wfw:commentRss>https://aruautoms.info/46/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Owner Financed Homes AKA Seller Financed Or Owner Carry Homes – Trampling Myths</title> <link>https://aruautoms.info/44</link> <comments>https://aruautoms.info/44#comments</comments> <pubDate>Fri, 17 Mar 2023 18:01:05 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://aruautoms.info/?p=44</guid> <description><![CDATA[Owner carry has been around since the beginning of time. It is annoying to review posts where experts provide their keen insights on a topic they apparently do not know a lot about.This article is going to discuss 3 prevalent … <a href="https://aruautoms.info/44">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Owner carry has been around since the beginning of time. It is annoying to review posts where experts provide their keen insights on a topic they apparently do not know a lot about.This article is going to discuss 3 prevalent myths that are perpetuated. The three myths are: owner financed homes will carry a higher interest rate, seller financed homes are difficult to find, and lastly, only financially strapped sellers sell owner financed properties.1st Myth Trampled: While it may be true that owner financed homes may carry a higher interest than what a typical lender can offer for a loan, this does not have to be the case, and in my dealings, has not been the outcome. The terms of the loan including, but not limited to, the interest rate, loan amortization length, balloon payoff, principal and interest, or interest only, etc are all completely negotiable between buyers and sellers. There are really no rules and both parties are completely free to do what they would like.2nd Myth Squelched: Again, yes, it can be true that an owner carry home is seemingly more difficult to find than a home with mass advertising, it is not beyond belief to find. The main reason most folks never buy a home with owner financing is because they do not know how to seek and find. What we have is less than expert, professionals making false claims to fatten their pockets, yet they have probably never offered to buy owner financed. I will, however, be the first to tell you most seller financed properties are not advertised as such. Most owner carry deals are hand crafted between two parties.Third Myth Squelched: The belief that only sellers in financially strapped situations choose to seller finance their homes is incorrect. I understand there are many homeowners near you who would be joyous to move their home and earn a regular monthly payment from you, while earning monthly cashflow from their principal by holding the financing. Untold numbers of mutual fund investors have seen their principal be slashed over the last 18 months. Their dividends are far from certain, and nothing is guaranteed. Just receiving of that constantly flowing income stream is advantageous for most people. </p>]]></content:encoded> <wfw:commentRss>https://aruautoms.info/44/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Do You Make These 5 Marketing Automation Mistakes?</title> <link>https://aruautoms.info/42</link> <comments>https://aruautoms.info/42#comments</comments> <pubDate>Fri, 17 Mar 2023 16:24:48 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://aruautoms.info/?p=42</guid> <description><![CDATA[Marketing automation has become a vital tool for businesses of every size. It can help you gain and sustain a competitive advantage. Speed up sales results. Plus, enable you to engage more contacts with personalized messages sent at the right … <a href="https://aruautoms.info/42">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Marketing automation has become a vital tool for businesses of every size. It can help you gain and sustain a competitive advantage. Speed up sales results. Plus, enable you to engage more contacts with personalized messages sent at the right time. So you can build good relationships.Yet not each marketing automation system is the same. In fact, very few have all the essential tools in one package of services. If so, that can cause you to integrate system parts from third parties that can cost you time and money, especially when things go wrong down the road.That is why it’s vital to first know what a full all-in-one marketing automation system is all about.Marketing automation is a server-based software that integrates different technologies.4 Automation Technologies Most Vital for Marketing CampaignsFirst, it includes a CRM that allows you to collect, store and use information about your contacts. To be able to segment your contacts by custom fields and tags, behavior – such as opening emails and clicking on links, plus purchases.Second, it includes an automated messaging system for emails, text, postcards and tasks. This allows you to send each message to contacts based on when they opted in, a date, behavior, purchase and more.Third, it has eCommerce functionality. It integrates order pages with a form and payment gateway for one-click purchases. Plus it can allow you to integrate with a shopping cart if you prefer. Most of all, it can automate processes based on successful or failed transactions, subscriptions, trial periods, payment plans, coupons and more.Fourth, it must have a campaign builder that enables you to take each contact on a personalized journey with measurable results. This allows you to create multiple campaigns for opt-in, sales, upsell, downsell and retention.A marketing automation system such as one by Ontraport can provide additional features. These include marketing tracking to help you see which ads, landing pages and emails are generating the most cost-effective results. Affiliate marketing and membership site to help you boost the number of customers and sales. Landing page and form builder to enable you to design professional looking sites in minutes. And a lead router and scoring system to help you and your sales team follow up leads and convert them into customers.Three key benefits of a marketing automation system are that you can customize it for your business. You can have multiple marketing campaigns at the same time that operate 24/7. Plus you can automate processes specific to contacts along their journey. But there are also marketing automation mistakes you can make along the way.Marketing Automation Mistake #1: Sending eMails to Contacts Who Did NOT Opt-in<br />Marketing automation involves permission based emails. That means you send emails to contacts who give you permission to send them information. You can get permission when each contact opt-in to your system. However, importing a list or manually adding contacts to your marketing automation system is a violation of SPAM rules. If you do this you can compromise the delivery of emails even to those whom give you permission.Marketing Automation Mistake #2: Not Maintaining a Database of Active Contacts<br />Even after you get a contact to opt-in, you must keep them active. That means, you must continually send them emails with relevant content to engage with at least once per week. Otherwise, they may forget you and not open the few emails you send. Over time, they can become less engaged, diminishing email delivery of your entire database. A re-engagement campaign is an effective method to get non-engaged contacts to interact with your emails again. You get these contacts to tell you if they’d like to remain on your list or opt-out. So you can maintain a consistent and clean contact database.Marketing Automation Mistake #3: Focusing on the Wrong Metrics<br />Marketing automation allows you to measure the results of your campaigns. This includes opt-ins, sales conversion, email open and click link rates, landing page visits, sales, ROI and more.However, focusing on the wrong metrics can cause you to misinterpret the true results. For example, you may have two campaigns where one has much higher open rates and lower click rates. Yet when you calculate click to open rates you can see an entirely different result. Before starting each campaign, it is vital to know the metric you seek to focus on to determine success.Marketing Automation Mistake #4: Not Split Testing Campaigns<br />All campaigns differ by the type and number of contacts, content and more. Split testing campaigns is the key to finding what works right. But the key to split testing is to test just one variable at a time. Such as a headline, price, offer, design or target audience. The campaign that wins is the new control. Then you can test other campaigns against the control.Marketing Automation Mistake #5: Not Having a Certified Consultant on Your Team<br />Marketing automation is both an art and a science. It requires a mix of technology know-how with direct response marketing expertise. Plus an objective mindset that is not biased toward the company or product. These are why it is best to have an independent consultant certified in the use of the marketing automation software on your team. To develop the strategy and build a custom automation system for your business. Plus, to train your team on using the system. </p>]]></content:encoded> <wfw:commentRss>https://aruautoms.info/42/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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