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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>avtuoms.info</title> <atom:link href="http://avtuoms.info/feed" rel="self" type="application/rss+xml" /> <link>https://avtuoms.info</link> <description></description> <lastBuildDate>Sun, 18 Feb 2024 18:25:49 +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>Adventure Travel Holidays – Lunar Vacations on Earth!</title> <link>https://avtuoms.info/adventure-travel-holidays-lunar-vacations-on-earth,html</link> <comments>https://avtuoms.info/adventure-travel-holidays-lunar-vacations-on-earth,html#comments</comments> <pubDate>Mon, 17 Apr 2023 21:53:27 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Holidays and Vacations]]></category> <guid isPermaLink="false">http://avtuoms.info/?p=67</guid> <description><![CDATA[Iceland has always fascinated me. The recent eruption of the Eyjafjallajokull Volcano only reinforced my fascination. Whenever I travel between San Francisco and Europe, and after many hours of flying, suddenly the shimmering dots of light from Reykjavik appear as if out of nowhere, in the midst of the all-encompassing darkness. Iceland is here to [...]]]></description> <content:encoded><![CDATA[<p> Iceland has always fascinated me. The recent eruption of the Eyjafjallajokull Volcano only reinforced my fascination. Whenever I travel between San Francisco and Europe, and after many hours of flying, suddenly the shimmering dots of light from Reykjavik appear as if out of nowhere, in the midst of the all-encompassing darkness. Iceland is here to remind us that Nature still takes charge – the recent volcanic eruption certainly proves this to be true!A country of fantastic natural beauty and surprises – there’s nothing quite like it anywhere – Iceland’s stark, pristine scenery is shaped by otherworldly landscapes – a tapestry of colorful flower-filled valleys contrasted by desolate lunar deserts pitted with volcanic wonders; its jagged lava fields and monstrous icecaps, its hot springs and geysers, its multitude of clear blue fjords have all carved a bizarre setting not seen anywhere else on earth. Over 200 volcanoes and numerous glaciers form the country’s backdrop, with nearly 80% of the land being lava deserts, glaciers or lakes.That being said, Iceland is an adventurer’s paradise – whale watching, rock climbing, horse riding, white water rafting and kayaking, glacier hiking, biking, bird-watching and swimming in geothermal heated pools are just some of the activities on offer. Due to its violent volcanic heritage the countryside is gorgeous and interesting from every angle. Cliffs, waterfalls, geysers, mountains, glaciers, fjords, hot water springs, lava beds, rapids, extensive nature preserves and parks – it’s all there!Reykjavik (meaning “smoky bay” after the steam which rises everywhere from the many hot springs) is the gateway to the country and the only “large” city. The clear air, the bluest sky and the multi-colored buildings are so vivid that they remind me of an impressionist painting. For a city its size (150,000 inhabitants), it’s surprisingly active, with a thriving cultural and social life, including museums, exhibits and festivals throughout the year.The south of Iceland offers some of the best sights in the country. The Great Geysir, after which all the world’s spouting hot springs are named is found here. The Geysir began erupting in the early 14th century and stopped at the beginning of the 20th Century. Today Strokkur, its little brother, spouts to over 100 ft. every few minutes. Walking around this natural wonder, one really senses the intensity of the forces of nature.Icelandic waterfalls are legion. Wherever one turns, it seems one is more beautiful than the next. Suffused with beautiful warm lights, the most dramatic of these is the Gullfoss (Golden Waterfall). Here the Hvita River tumbles with tremendous force in double cascades into a deep gorge. When the sun shines, the waterfall’s massive spray forms colorful rainbows in the afternoon light. Here also are two of Iceland’s most active volcanoes- Mt. Hekla and Mt. Katta, and towards the east, one can view large colonies of puffins off the coast.In the mountainous and uninhabited interior there are barren deserts every bit as beautiful as the central Sahara. And the North Coast has some of the most diverse scenery in Iceland. The magnificent Vatnajokull, Europe’s largest glacier, is a stark contrast to the lunar terrain of the area, where Neil Armstrong and his colleagues trained prior to landing on the moon. Boiling mud pools, lava parks with naturally formed sculptures and steaming craters such as the Viti Crater, which erupted in 1984 and is steaming to this day, are found here. In contrast, lovely Lake Myvatn is a birdwatchers paradise, with its multitude of fowls and birds roaming this area.The North Coast is also home to Iceland’s longest fjord, where on can enjoy boating among the blue-veined lagoons. Whale watching excursions are part and parcel of this area as well. During summer solstice, these northern latitudes boast the extraordinary spectacle of the Midnight Sun, which sinks down to touch the horizon before rising again in breathtaking tones of red and gold. Among the myriad of thermal hot springs, the Blue Lagoon, known for its healing properties, is the ultimate indulgence to the end of an adventure-packed day – to soak up the thermal waters, to relax and re-energize.This young-at-heart yet ancient land, with its geologically diverse, volcanically active boundaries, offers up possibly one of the most fascinating of world family travel adventures. No words match the pictures – the utterly amazing vivid colors it presents seem taken straight out of a great storybook illustration. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://avtuoms.info/adventure-travel-holidays-lunar-vacations-on-earth,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Precautions to Take While Handling Electronic Items</title> <link>https://avtuoms.info/precautions-to-take-while-handling-electronic-items,html</link> <comments>https://avtuoms.info/precautions-to-take-while-handling-electronic-items,html#comments</comments> <pubDate>Sat, 01 Apr 2023 18:40:46 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Electronics and Electrical]]></category> <guid isPermaLink="false">http://avtuoms.info/?p=65</guid> <description><![CDATA[Electronic items are loved by all. However, do you know about the precautions that you need to take while using electronics? Well, not many do know a lot about the precautions that need to be taken. Electronic items can be delicate and it is necessary that the proper precautions are taken to protect the device.Understanding [...]]]></description> <content:encoded><![CDATA[<p> Electronic items are loved by all. However, do you know about the precautions that you need to take while using electronics? Well, not many do know a lot about the precautions that need to be taken. Electronic items can be delicate and it is necessary that the proper precautions are taken to protect the device.Understanding the basicsElectronics and electrical equipments are a very important and inevitable part of day to day lives. However, one needs to know how to handle and use these electronic items as well.Precautions while handling electronicsAll the electrical appliances and electronics are semiconducting devices and have circuit designs. So it is very important to handle them properly so as to minimize damage and malfunction. Circuits can malfunction under different circumstances. One of the most common causes of damage to these electronics is the application of stress like variation is temperature, the rate of current flow and the voltage applied. These variables should always be kept within the limits which are permissible by the manufacturer.Protection of the pinsPins are those minute things that connect the semiconductor devices present in the electronic appliances to the power supply or the input and output sources. When the pins are connected to the high output sources, care should be taken to prevent shortening of the circuit. This could lead to damage of the appliance and may decrease the life of the appliance. Also, the unconnected pins should never be connected to currents of high impedance as it can also lead to damage of the electronic appliance.Precautions while using electronicsMost electronic devices come with some instructions which should be kept in mind while using them. The manufacturers as well as users should keep these instructions in mind and take precautions. For instance, if you buy a hand held game console, the precautions state that you should not expose the device to water and should take regular breaks while playing.Precautions while storing and transporting electronicsStoring the electronic devices properly is also very important. Since all semiconductor electronics are made up of very minute and delicate electronic circuits, they should be stored with proper care. They should be kept away from moisture, extreme changes in temperature and heat. To avoid damage during transportation, these electronics are stored in big aluminum containers with silicon coating to prevent damage during storage as well as transporting the electronics.Also, one other important thing which should be kept in mind is that electronic items made up of plastic bodies are highly susceptible to fire. Also, in case of an emergency, one should always call in for help and be cautious not to go near the appliances. Electronic items should be properly charged as well, like in the case of computers and mobile phones. At the end of the day, you need to understand that electronic items and electronic devices should be kept and stored properly in order to use them for long.Understanding the world of electronicsStatistically, the number of electronic goods sold has gone up phenomenally in the last few years. With the industrialization of the world, it is simple to assume that the sale of electronic goods and items will just double or even treble in the coming years. Given this fact, it is absolutely essential that people know how to handle the electronic goods, especially electronic gadgets that need to be handled with utmost care. Not knowing how to take proper care of your electronic gadget can be costly and can lead to health problems as well as damaging the electronic device itself. </p>]]></content:encoded> <wfw:commentRss>https://avtuoms.info/precautions-to-take-while-handling-electronic-items,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Five Steps to a Successful Commercial Loan Workout</title> <link>https://avtuoms.info/five-steps-to-a-successful-commercial-loan-workout,html</link> <comments>https://avtuoms.info/five-steps-to-a-successful-commercial-loan-workout,html#comments</comments> <pubDate>Sat, 01 Apr 2023 07:44:46 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Commercial Loans]]></category> <guid isPermaLink="false">http://avtuoms.info/?p=63</guid> <description><![CDATA[Obtaining a commercial loan workout can be a very labor-intensive process. Having all of your “ducks in a row” is key to a successful workout. For property owners who can’t refinance, have a balloon payment coming due, defaulted on their mortgage or facing foreclosure, a commercial loan workout can accomplish one or more of the [...]]]></description> <content:encoded><![CDATA[<p> Obtaining a commercial loan workout can be a very labor-intensive process. Having all of your “ducks in a row” is key to a successful workout. For property owners who can’t refinance, have a balloon payment coming due, defaulted on their mortgage or facing foreclosure, a commercial loan workout can accomplish one or more of the following:1. Reduce interest and/or principal amount<br />2. Extend reset period or maturity date to delay balloon payment<br />3. Defer payments<br />4. Temporary interest-only payments<br />5. Avoid foreclosurePlease review the following five steps:1) Required Paperwork<br />The required paperwork is gathered from property owners. Documents needed: Rent roll, copies of expenses within the past year, rental agreements, copies of the mortgage note, etc. Not having all of the required documents could delay the whole process.2) Research Analysis<br />Before a commercial loan workout is submitted to the lender, a financial snapshot of your situation is needed. The lender is mostly concerned with your ability to pay each month if your loan was restructured to more favorable terms. Determining the current market value, rental rates and recent comparable sales are also important factors to consider. After a review of the note is complete, a workout package is generated.3) Lend Submittal<br />Once a confirmation of delivery is received from the lender, the submission package is forwarded to a workout specialist. Not confirming receipt of the workout package by the lender could mean having your file stuck somewhere in the mail room for weeks or “lost in neverland.”4) Negotiation Process<br />The workout specialist reviews the package and presents a loan modification offer. Sometimes the property owner or third party workout firm will make counter offers until an agreement is excepted with favorable loan terms. The whole process from start to finish could take between 2 or 3 months to complete. Keep in regular contact with the workout specialist at the lender until a proposal is received.5) Final Approval<br />Once the lender approves the newly restructured mortgage loan, a proposal is presented to the property owner for review. The owner can expect the following options: Deferment of payments, lower interest rate, extended maturity date, greater cash flow or reduction of principal. The lender can propose any combination of options. Lastly, the modified loan documents are signed by both parties to make the changes official.Because so many commercial property owners are not able to meet their mortgage obligations, commercial lenders are now willing to modify their existing mortgage loans to prevent avoid foreclosure. The key to preventing a default is to be proactive by contacting your lender or seek the assistance of a third-party, professional commercial loan workout firm.Commercial mortgage loans are much more complex than residential mortgage loans. Hiring a professional commercial loan workout firm can help you navigate through the negotiation process with your lender. </p>]]></content:encoded> <wfw:commentRss>https://avtuoms.info/five-steps-to-a-successful-commercial-loan-workout,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Subtle Differences Between a Leader and a Manager</title> <link>https://avtuoms.info/the-subtle-differences-between-a-leader-and-a-manager,html</link> <comments>https://avtuoms.info/the-subtle-differences-between-a-leader-and-a-manager,html#comments</comments> <pubDate>Fri, 31 Mar 2023 21:35:31 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Management]]></category> <guid isPermaLink="false">http://avtuoms.info/?p=61</guid> <description><![CDATA[The terms ‘manager’ and ‘leader’ are often interchanged. It is almost as if some people think that both descriptions mean the same thing. Management and leadership are two totally different roles yet they are pretty much inseparable. In my experience, I’ve observed that there are many good managers that are not very good leaders, and [...]]]></description> <content:encoded><![CDATA[<p> The terms ‘manager’ and ‘leader’ are often interchanged. It is almost as if some people think that both descriptions mean the same thing. Management and leadership are two totally different roles yet they are pretty much inseparable. In my experience, I’ve observed that there are many good managers that are not very good leaders, and some very good leaders that are poor managers.It is important to note that in the workplace today, anyone in a supervisory role and up needs to understand and use both management and leadership skills. The late US Navy Admiral Grace Hopper once said that “You cannot manage men into battle. You manage things; you lead people.” This statement tells us that there are subtle differences between a leader and a manager. You manage things and processes, you lead people. The list can go on and on if we compare the two but we will focus on the top two things that make the difference.Managers Have Subordinates; Leaders Have FollowersIn the corporate world, managers do what they are expected to do because they are subordinates, too. They report to senior managers who give them specific tasks to execute. Managers do their jobs because this is what they are supposed to and they expect their subordinates to comply with the company’s expectations not because they have no choice but because they are rewarded for doing so in the form of work incentive. When push comes to shove, managers can exercise formal authority-backed up by company policies.Leaders, on the other hand, do not have formal subordinates. Leaders have followers who will obey and listen to their ideas and follow them even without formal authoritarian control. Leaders do not need formal authority because they are charismatic and lead their people into transformation. The act of “following” a leader is voluntary. The act of “following” a manager is a requirement. This is best demonstrated in political and religious organizations. People have nothing to lose if they do not do not follow a leader but they have everything to lose if they do not follow a manager’s orders.Managers Accomplish Tasks; Leaders InnovateManagers typically check if the tasks are done. There is a set of roles that managers expect their people or subordinates to fulfill such as completion of production requirement, compliance to company policies, and cope with the day-the-day problems that occur at work. Managers are also good in organizing things and this is shown through the details of their plans and how they are able to meet the budget with few available resources. Managers plan how things need to get done and they also ensure that the plans are executed in the most efficient way possible.Leaders, on the other hand, focus on effectiveness. Leaders are not focused on the tasks that need to be completed but by how innovation will come to play in the organization; they have the long-range vision of where the organization is going. Leaders make the difference by transforming their vision into action. These visions are process changes in the workplace that will take the organization into new heights. Leaders also find resources instead of being constrained by budgets and existing policies. Leaders communicate to people; they let the people around them understand why the goals are in place and how the employees can align their personal goals to the company’s objectives.Leadership + Management: A Must-Have CombinationGreat leadership is promising. It will take the company or organization to new horizons. The people will be motivated by the leader’s charismatic influence and ability to inspire, persuade, and build relationships. However, we need to factor in the skills of a manager that a leader needs to make this vision come into reality.Without a manager controlling costs and seeing to it that the things go well as planned, the organization is bound to disintegrate. For a person to effectively manage and lead a group, he should have a certain degree of mastery of a manager’s skills and a leader’s vision, passion, and creativity. </p>]]></content:encoded> <wfw:commentRss>https://avtuoms.info/the-subtle-differences-between-a-leader-and-a-manager,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Perfection – Medical Spa and Cosmetic Surgery – Cancun</title> <link>https://avtuoms.info/perfection-medical-spa-and-cosmetic-surgery-cancun,html</link> <comments>https://avtuoms.info/perfection-medical-spa-and-cosmetic-surgery-cancun,html#comments</comments> <pubDate>Fri, 31 Mar 2023 19:15:41 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Spa and Wellness]]></category> <guid isPermaLink="false">http://avtuoms.info/?p=59</guid> <description><![CDATA[As one of the world’s famous tourist destination in the world, Cancun, Mexico with its diverse scenic beauty and rich culture has also grown a worldwide reputation in providing some of the finest, outstanding and effective medical spa and plastic surgical procedures in the world. More people are now going to Mexico to pursue their [...]]]></description> <content:encoded><![CDATA[<p> As one of the world’s famous tourist destination in the world, Cancun, Mexico with its diverse scenic beauty and rich culture has also grown a worldwide reputation in providing some of the finest, outstanding and effective medical spa and plastic surgical procedures in the world. More people are now going to Mexico to pursue their cosmetic surgery treatment because of one solid reason, Mexico is whole lot cheaper compared to USA. Medical tourism and cosmetic surgery at Cancun is now getting famous and earning a lot in the field of cosmetic as it offers world class cosmetic procedures, experienced and well trained medical staff and surgeons.Different centers like Perfection of Cancun, Mexico offers the best of tummy tucks, breast implants, nose surgery and more. Exceeding the expectations of the patients and giving them the outstanding and unique quality services is the main goal of Perfection. Perfection provides qualified patient coordinators and image consultants from US, Canada and Mexico with more than twenty years experience in plastic surgery and aesthetic treatments. They are trained to explain to their patients about the treatment that best suits their needs. Medical Spa of Perfection has ten therapists specialized in operating lasers, radio frequency and ultrasound therapy.Furthermore, Perfection focuses on the treatment of photo rejuvenation, erbium laser that eliminate dark spots, stretch marks, scars and acne scars, tattoo removal, treatment of localized fat, spider veins and permanent hair removal. Their clinic at Cancun, Mexico has also room photography and photographers qualified for the surgeon to assess so customers can check through photos about the change Perfection Medical Spa and Cosmetic surgery achieved after the intervention. One of the single most important factors in the success of either surgical or non surgical treatments is determined by surgeons. Medical team and cosmetic surgeons in Mexico is friendly, compassionate and extremely knowledgeable and always makes you feel welcome. Other treatments offered by Perfection were Botox, Fraxel, Laser Depilation, Lumicell: Lymphatic Massage, Accent: Cellulite, Flaccid Skin, Laser Skin Resurfacing, Face Lift and lot more.So, whatever type of cosmetic surgery you are interested to perform, probably you will be likely to find cheaper prices in Mexico. You can also plan your vacations around your surgeries. It is quite good idea as you not only can relax and enjoy other recreational activities in this popular tourist country but also for faster recovery. As the term medical tourism evolved, it is beneficial to doctors as well as to the government and it is definitely more appealing. </p>]]></content:encoded> <wfw:commentRss>https://avtuoms.info/perfection-medical-spa-and-cosmetic-surgery-cancun,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Mind Body Medicine – What is It?</title> <link>https://avtuoms.info/mind-body-medicine-what-is-it,html</link> <comments>https://avtuoms.info/mind-body-medicine-what-is-it,html#comments</comments> <pubDate>Fri, 31 Mar 2023 17:28:48 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Mind Body Spirit]]></category> <guid isPermaLink="false">http://avtuoms.info/?p=56</guid> <description><![CDATA[Mind Body Medicine is a well-respected, practical blending of “Western” medical traditions, along with “Eastern.” Mind/Body Medicine was first pioneered by Dr. Herbert Benson at Harvard Medical School beginning in the mid-70s. Dr. Benson was most well-known for popularizing the “Relaxation Response,” a simple form of stress relief and self meditation.Mind Body Medicine is dedicated [...]]]></description> <content:encoded><![CDATA[<p> Mind Body Medicine is a well-respected, practical blending of “Western” medical traditions, along with “Eastern.” Mind/Body Medicine was first pioneered by Dr. Herbert Benson at Harvard Medical School beginning in the mid-70s. Dr. Benson was most well-known for popularizing the “Relaxation Response,” a simple form of stress relief and self meditation.Mind Body Medicine is dedicated to broadening conventional medical wisdom to more routinely include the many practical, easy and inexpensive practices espoused in his version of Mind-Body Medicine. Dr. Benson and his colleagues at Harvard demonstrated conclusively through scientific research that stress reduction could vastly improve health on many different levels.The Whole Person ApproachMind/Body medicine considers the entire, integrated person. Traditional medicine as practiced in Western culture tends to segment the body into individual systems and pieces. In other words, doctors are taught to look at their patients as a composite of parts: the endocrine system, the cardiovascular system, the respiratory system, the digestive system, the nervous system and so forth.Psychology is a completely different branch of medicine and is not going to be considered by the cardiologist examining your arteriogram.Honestly, that’s a real logical approach; most illnesses do seem to affect primarily one organ or system.At least, that’s how it manifests at first glance.What Dr. Howard Benson realized was that life affects the whole person. Of course, medical schools certainly teach that how well the endocrine system works affects how well the cardiovascular system works but they really don’t teach that STRESS (life) affects them all.Stress is hard to measure with any medical instrument so many doctors ignore it.Stress, emotions, fears, hassles, relationship and family issues, habits, social pressures, traditional science-based medicine has a hard time working any of that stuff into a diagnosis.Those who practice Mind-Body medicine realize that if you can manage life’s stresses, you can better manage your health.For optimum health, examining the entire mind-body-spirit is essential but unfortunately all too often ignored. </p>]]></content:encoded> <wfw:commentRss>https://avtuoms.info/mind-body-medicine-what-is-it,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Amenities and Hotel Class – What Can Guests Expect?</title> <link>https://avtuoms.info/amenities-and-hotel-class-what-can-guests-expect,html</link> <comments>https://avtuoms.info/amenities-and-hotel-class-what-can-guests-expect,html#comments</comments> <pubDate>Thu, 02 Feb 2023 07:54:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://avtuoms.info/?p=54</guid> <description><![CDATA[Every metropolitan area in the United States offers numerous choices when it comes to hotels and amenities. That’s great news for the average consumer as it means they have options to fit their budget and that hotels are vying for their business. When hotels are competing for guests, prices are more competitive and hotel supplies [...]]]></description> <content:encoded><![CDATA[<p> Every metropolitan area in the United States offers numerous choices when it comes to hotels and amenities. That’s great news for the average consumer as it means they have options to fit their budget and that hotels are vying for their business. When hotels are competing for guests, prices are more competitive and hotel supplies are more abundant so consumers get more for their money. Additionally, stiffer competition means hotels are more aware of their occupancy rates. This usually leaves hotels and their management teams asking themselves how they can attract more guests and which hotel supplies they could add to please hotel guests and affect occupancy rates.Even if you only travel occasionally, you’ve likely noticed that all hotels offer basic amenities. Essentially, you pay for a hotel room and, whether it cost you $50 or $2,000, you expect it to have complimentary toiletries, hangers, an ironing board with an iron, an alarm clock and an information binder, among other hotel supplies. When hotels offer you less than the standard basics, it diminishes the perceived value and it affects your opinion of them as well as their occupancy rates. If hotels provide basic hotel supplies but there’s an apparent lack of quality, providing them may be for naught. Hotels strive to please their guests, part of which is offering quality hotel supplies.Where you can find a decent meal for $5, so too can you find hotels that provide basic amenities with a twist. The twist is typically plush towels that are softer than the standard bath towels, toiletries with luxury ingredients, high quality plastic tumblers and other hotel supplies that, while basic, are better quality than the basics. Serving trays, glass or ceramic bathroom fixtures, shower curtain rods that bow out for extra room and laundry bags are just a few of the hotel supplies and amenities that convey additional value. Mid-range hotels that are more than rest stops but less than full-service resorts often provide higher quality hotel supplies to their guests, in part as a way to affect their occupancy rates with little additional cost or effort.The amenities hotels offer will vary depending on the class of hotel. The pricier the hotel, the more and better amenities they’ll offer guests. Of course, basic hotel supplies will be offered but ice buckets will be faux leather, serving trays will be wooden or glass, coffee makers will be European or they’ll double as espresso makers and laundry bags will be cloth and part of complimentary laundry service. Room service, custom beds and 320-count sheets are just a few of the wide variety of amenities luxury hotels offer their valued guests.While there’s a wide variety of hotels with a spectrum of amenities and hotel supplies, all hotels have the same goal: providing guests an exceptional experience. Guest services are an important part of a guests experience After all, a friendly, helpful guest services attendant can turn a negative into a positive quickly and effortlessly. However, offering guests wealth of valuable, useful amenities not only impresses guests, it also helps occupancy rates. Regardless of where you stay or the hotel supplies offered, the, at the end of your visit, the hotel’s greatest wish is that you’ve enjoyed your stay and that you’ll return soon. </p>]]></content:encoded> <wfw:commentRss>https://avtuoms.info/amenities-and-hotel-class-what-can-guests-expect,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Payday Loans: When You Should and When You Should Not Apply for One</title> <link>https://avtuoms.info/payday-loans-when-you-should-and-when-you-should-not-apply-for-one,html</link> <comments>https://avtuoms.info/payday-loans-when-you-should-and-when-you-should-not-apply-for-one,html#comments</comments> <pubDate>Wed, 01 Feb 2023 21:13:13 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://avtuoms.info/?p=52</guid> <description><![CDATA[What are Payday Loans and How are They different from Conventional Loans?Payday loans (also called cash loans) were traditionally given out when people got their wages. The employees were allowed to borrow loans from the company which they were obliged to return before the next payday.These loans were far easier to avail of than conventional [...]]]></description> <content:encoded><![CDATA[<p> What are Payday Loans and How are They different from Conventional Loans?Payday loans (also called cash loans) were traditionally given out when people got their wages. The employees were allowed to borrow loans from the company which they were obliged to return before the next payday.These loans were far easier to avail of than conventional loans at banks. Bank loans required collateral and took a long time in getting approved. Modern day payday loans are similar in that they are easy to procure and helps you gain access to quick cash during emergencies.Bank and credit institutions still take a long time to approve loans and the procedure is much more complex and long-drawn. Payday loans can be useful provided you use them wisely. Loans (payday or other loans) should only be acquired after you have examined your finances and made sure you can afford the rates of interest. It’s also important to understand the time frame of repayment and the penalties involved upon non-repayment of the loan.To summarize, there are some important questions that you need to ask yourself before procuring payday loans:</p><p> Do you really need one? Can you manage without taking out a loan?</p><p> What are the rates of interest charged by the provider?</p><p> Can you afford to pay back the loan? Have you calculated exactly how much you will need to repay?</p><p> What is the repayment period? Can you manage to repay the loan within that period?</p><p> In the event that you are unable to repay the loan, what are the penalties involved?<br />Escalating Money-troublesIn these days of rising expenses and an unfriendly economy to boot, it comes as no surprise that people are often in a hole for money. With staggering inflation rates pushing up prices of commodities; the business of daily life is getting more and more difficult to deal with.With hundreds of payday loan providers advertising their fast approvals of payday loans on the internet, it’s no wonder that stressed clients find it appealing to simply apply for a payday loan online. There are certain distinct advantages to this mode of borrowing.Benefits</p><p> They are easy to obtain. Approval time is usually within hours.</p><p> They are great for borrowing urgent cash on week-ends, nights and public holidays.</p><p> Documentation required is only your ID (applicants are required to be above 18 years old), bank statements and proof of employment. So no complicated faxing and copying to deal with.</p><p> Due to the online flexibility, applicants are able to apply from the comfort and privacy of their homes and in their own time.</p><p> A bad credit background does not hamper your chances of approval of a payday loan. They are only interested in your current employment details.<br />Those are the advantages. They work well essentially for people who:</p><p> Have steady employment and a decent income</p><p> Have the confidence and resources to pay the loan back in the stipulated time-period.<br />There are however several pitfalls that consumers must watch out for:</p><p> They have a very quick (and therefore stressful)repayment schedule- usually within one month.</p><p> They are associated with unusually high interest rates often pegged at 400 percent up to 700 percent</p><p> There is a lot of fine print embedded in contracts cleverly concealed in legally incomprehensible phrases.<br />The applicant may feel relieved that he has managed to stave off a financial crunch but little does he realise that with his next salary; he has to pay off his loan AND pay other regular bills (rent, utilities, school fees) as well. This leads to a bottleneck situation at the end of the month.Such stress for repayment invariably leads to the harassed applicant applying for yet another payday loan to pay off the previous one! This snowball effect leads to a spiral of financial disaster that typically requires professional intervention at some point.But for people who have a reasonably decent cash flow coming in, repayment should not pose a problem. The best thing is to sit down with a pencil and paper and write what you owe and when you can afford to repay the loan. Have you done the math for the current rate on your payday loan?ConclusionThey serve the purpose when you have a temporary setback- as a one-time deal. They are suitable for people who have a healthy income at the end of the month to look forward to. Analyse your cash problem. Is it really URGENT? Or can you manage with your savings to span the period until your next pay-check? If you find that you can manage, don’t apply for one!Payday loans are not that great for individuals who already have mounting loans and no way to pay them off. Applying for a loan to pay off another one is a sure-shot way of getting into an endless cycle of debt. </p>]]></content:encoded> <wfw:commentRss>https://avtuoms.info/payday-loans-when-you-should-and-when-you-should-not-apply-for-one,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Elements For Creating a Japanese Garden</title> <link>https://avtuoms.info/the-elements-for-creating-a-japanese-garden,html</link> <comments>https://avtuoms.info/the-elements-for-creating-a-japanese-garden,html#comments</comments> <pubDate>Wed, 01 Feb 2023 17:06:21 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://avtuoms.info/?p=50</guid> <description><![CDATA[The Key Elements of a Japanese GardenJapanese gardens are growing in popularity nowadays. This can be attributed to its graceful combination of plants, water and rocks all meticulously arranged to invite a sense of calm and tranquility. If you’re looking to build your own Japanese garden at home, here are important principles you should keep [...]]]></description> <content:encoded><![CDATA[<p> The Key Elements of a Japanese GardenJapanese gardens are growing in popularity nowadays. This can be attributed to its graceful combination of plants, water and rocks all meticulously arranged to invite a sense of calm and tranquility. If you’re looking to build your own Japanese garden at home, here are important principles you should keep in mind:1. Your stone layout sets the foundationAs Ancient Japanese mythology puts great importance to mountains and stones as the foundation of the earth, the Japanese consider this as one of their most important principles in designing their own zen gardens. They believe that stones form the frame of the garden and if they are properly arranged, the other parts of the garden should automatically arrange itself. If you’re just in the process of designing your Japanese garden, some ideas include incorporating raked gravel around islands or laying out uniform-sized gray river rocks to create a stream bed.2. The water serves as the basis of the whole garden compositionWater is considered an essential part of every Japanese garden, as it symbolizes the steady and continuous flow of time. Elements of water in the Japanese garden are evident in their pond installations and thin water strings flowing through rocks, as well as in rocks, gravel and sand where water seems to have run dry to symbolize the passing of time. It might be a good idea to introduce falling water or bamboo fountains in your garden design to complete the Japanese garden flavor.3. The architecture must help design a pathAs the Japanese culture put a lot of significance on life being a path, its gardens are designed to take guests through a carefully designed path. On top of keeping with tradition, the main function of the path in Japanese garden design is the unification of all garden elements. They also put significant importance in designing architecture that complements the path. These are usually made of natural materials such as wood, stone and metal.Traditional Japanese garden architecture includes pavilions, stone lanterns and wells. You can make your own tea house in the middle of your garden by using bamboo. You can even add your own personal touch to your garden by adding stone water jars or bamboo garden fences to give the impression of lightness and grace.4. Use plants to create the backgroundEvery Japanese garden is designed in a way that plants always obey the stone layout. So, instead of letting the plants dictate how you want your garden to look, always keep in mind your stone layout in selecting the plants that will soften the lines and create the background. You can select different kinds of garden plants to complement your stone layout from evergreens and conifers to blooming trees and shrubs, all the way to local hardwoods and perennial forest flowers. Don’t be afraid to prune the trees in order to echo your garden’s architectural design and create subtle reflections in water.Apart from the minimalism of Japanese gardens, what most people do not realize with the design is that it attempts to illustrate the unique relationship between man and nature. Man should always improve nature, by showing its essence, and not by pressuring it to its needs. If you only keep this in mind, you’ll be able to design a Japanese-style garden that not only complies with its aesthetics but also its founding philosophy. </p>]]></content:encoded> <wfw:commentRss>https://avtuoms.info/the-elements-for-creating-a-japanese-garden,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://avtuoms.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://avtuoms.info/crypto-currency-vs-fiat-currency,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:40:25 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[cash]]></category> <category><![CDATA[Crypto currency]]></category> <category><![CDATA[currency]]></category> <guid isPermaLink="false">http://avtuoms.info/?p=48</guid> <description><![CDATA[Crypto currency vs. Fiat currency Are you aware of the fiat currencies and the crypto currencies? They both are currencies in one form or the other and are open for public use across the world. But they are both different and distinct in their own ways. There is always one group that favors the use [...]]]></description> <content:encoded><![CDATA[<p>Crypto currency vs. Fiat currency</p><p>Are you aware of the fiat currencies and the crypto currencies? They both are currencies in one form or the other and are open for public use across the world. But they are both different and distinct in their own ways. There is always one group that favors the use of cryptos, while the other has a soft corner for the fiat currencies.</p><p>In cashless society- crypto money play a huge role</p><p>If you have a look at the market of the 1970s and 1980s, you will find that the cash played the dominant role. But, with the change in the technology, electronic transactions have become the usual norm. Today, more and more people are influenced in becoming the cashless society. With the progress towards the cashless society, cryptocurrencies have a big role to play.</p><p>Crypto currency and fiat currency are always at loggerheads</p><p>Cryptocurrency and fiat currency are popular types of digital currency, especially when it is about an online transaction. They both are currencies currently in use in the market but have some differences in them. There is a hell lot of hypes that you will hear on a daily basis comparing the crypto money and the fiat money. This article will highlight the difference between the two in a more comprehensive and clear manner.</p><p>Differentiating in what the currencies stand for</p><p>Before going for the difference between the two, you must understand what do they stand for and how are they are defined.</p><p>The fiat currency is a legal tender that has the support of the central government, and it operates in the physical form. For instance, US dollars, British Pounds, Euro etc. On the other hand, the crypto currency is a non-legal tender, and doesn’t have any backup from the central government or bank.<br />Hence, the difference between crypto currency and fiat currency is noted as follows:</p><p>• Crypto-currencies are decentralized and global in nature. There are no one entity or government that controls the currency with their laws and regulations. The Fiat currency is centralized, under the control of the laws and regulations of the banks and government.</p><p>• Crypto-currencies have their existence only in the digital domain. On the other hand, you will find that the fiat currencies have a tangible and physical existence.</p><p>• There is a limited supply of crypto-currencies with a maximum set of them getting supplied in the market. Whereas, the fiat money has an unlimited supply as the government and bank are entitled to produce coins and paper money whenever the situation is required.</p><p>• The Bitcoin and other crypto type currencies are created by the computers, while the fiat currencies are issued by the local government and the banks.</p><p>• Cryptocurrencies are presented as the public and private code pieces. On the other hand, the fiat currencies are presented in the form of coins and paper money.</p><p>• The value of the crypto currencies is not recognized by the supply and demand of the market. Whereas, the fiat currency value is determined by the market regulations of supply and demand.</p><p>The different types of crypto and fiat currencies</p><p>In the last one decade, the popularity of crypto type currencies has emerged as a huge success. It was in 2009, when Bitcoin was first introduced, and years after several other types of crypto currencies have emerged. Starting from Litecoin. Dogecoin, Ripple to the Dcash and Zcash, there is a plethora of them. On the other hand, the fiat currency has a rich and ancient roots, with the Great British Pound, that dates back to 775 AD. It is considered as the oldest currency in the world that is still in use.</p><p>The differences in the anonymity between the two currencies</p><p>When you are using the fiat currencies, you need to undergo a user identification or verification process. You are asked to upload a recent picture of yourself and some of the required documents to be issued as per the public authorities. You don’t need to undergo any of the required processes with the crypto currencies. Though your personal information and confidential details don’t get public, but all your transactions are recorded and tracked in both the fiat and the crypto currencies.</p><p>Fiat currency vs crypto currency: transparency level</p><p>• The transparency level with the crypto type currencies are considered to be more. This is because the revenue streams are displayed in a public chain. Everyone can witness their own and others’ transactions.</p><p>• The fiat or govt. currencies are not transparent, as there are not public chains to see the revenue streams of the people.</p><p>A comparative historical roots</p><p>If you compare the crypto money with that of its counterpart, fiat or government currency, you will find that their existence and creation brings the difference. The Fiat or government currency, dates back its existence as early as 775 AD with the introduction of the Great British Pound. This is why fiat type currency is easily accepted by the people all over.</p><p>On the other hand, the crypto coin was perhaps first introduced only a decade ago, with the introduction of Bitcoin in 2009. The challenge that the Bitcoin and other crypto currencies face is catching up with the immense popularity and increasing fan base of the fiat currency. Crypto currency, is no doubt gaining importance and popularity in the economic market, but it has still not been accepted widely in the society as the fiat currency.</p><p>A comparative history of the two currencies:</p><p>• It was in the 11th century, when the Chinese Song dynasty was perhaps the first one to issue the paper money. It was not allowed to exchange with valuables like gold and silver or silk.</p><p>• There were Tally sticks that were introduced as a fiat or government currency. 1100 Tally sticks were introduced as a combat for the shortages in gold.</p><p>• 1971, was the year, when the fiat currency received a worldwide recognition. President Nixon introduced it in order to eliminate the dollar pegging system to gold.</p><p>• It was in 1998, when the idea of an anonymous electronic cash system emerged by Wei Dai. Bitgold-the very first crypto currency was created by Nick Szabo, but it didn’t receive as much attention as Bitcoin.</p><p>• In 2009, Bitcoin was introduced in the market, that became the first crypto currency that was accepted across the globe. In 2011 and after, a series of several other crypto currencies were introduced. Some of the popular ones include, Litecoin, Dogecoin, Ethereum, Ripple, Zcash, Dash and so on.</p><p>The traits of both the currencies</p><p>The potential of the crypto type currencies and fiat currencies, accessing their traits is important. You will find that in some of the criteria, Bitcoin and other crypto currency is superior than the fiat or government currency, and in some cases, the latter surpasses. It is absolutely your call to choose the type of currency (crypto type currency or fiat type currency) based on your personal needs and requirements.</p><p>Let us compare their traits with respect to certain factors.</p><p>• Both the crypto coins and fiat type currencies are interchangeable in nature.</p><p>• As per the portability is concerned both the currencies secure more or less the same position.</p><p>• With respect to the non consumable criteria, crypto currency and fiat type currency have the equal status.</p><p>• Crypto type currencies have high durability as compared to the fiat-currencies that have moderate level of durability.</p><p>• Both the crypto or virtual currencies and the fiat or government currencies ensure secure and safeguarded transactions and exchange.</p><p>• Crypto or digital currencies are highly divisible in nature. On the other hand, the fiat type currencies are moderately divisible.</p><p>• In terms of the transaction process, the crypto currencies are easy and hassle free. Whereas, on the other hand, the traction process associated with the fiat currencies are easy, but not like the cryptos.</p><p>• The crypto based currencies are decentralized and global in nature, unlike the fiat currencies that are centralized and functions under the laws and regulations of the government.</p><p>• The crypto based currencies have high scarcity, where as, the fiat currencies are unlimited as the government can issue coins and paper money whenever there is a need.</p><p>• The crypto based currencies are based on mathematical algorithms, and are programmable. The fiat currencies are not at all programmable.</p><p>• The fiat currencies are sovereign in nature, while the crypto currencies are not.</p><p>The process of the functioning of the currencies</p><p>You can find the significant differences between the crypto or digital currencies and the fiat currencies with the way they both operate and the transaction process that take place. They are contrasting in nature. The transfer of money using the Bitcoin is very quick, and you absolutely don’t need any third party association.</p><p>On the other hand, if you are involved with the money exchange using Fiat type currency, a mobile wallet is in use. You can exchange an amount of e-money that gets transferred into the equal e-value amount. Both the fiat and the crypto currencies enable you to purchase everything that you desire. But the processes involved are absolutely distinct from each other.</p><p>Depending on the things you purchase, you will find that one currency form is better than the other. This is absolutely your choice.</p><p>Is Bitcoin, a crypto currency better than the fiat-currency?</p><p>The long term benefits and the capability of the Bitcoins is still not established. But it has been predicted by the crypto currency gurus and experts, that they will go a long way, especially revolutionizing the way the online transactions are done. In the current market, the Bitcoin is mainly included in the online casinos and the gambling, but it is not limited to it.</p><p>Furthermore, when you compare the fiat currencies, the Bitcoin allows you to seize the power and authority from the banks and the government since it is not controlled. The cryptography based currency has the capability to create or come up with the free market capitals. Fiat currencies are affected by the inflation and the changes in the market, unlike the crypto based currencies. Such aspects make individuals believe that cryptograph based currencies will soon take over the mainstream currencies and bring a transformation in the way the money is used.</p><p>Why is Bitcoins considered to be a better aspect than the fiat type currencies?</p><p>• Bitcoin gives you the opportunity to re-create a free market capitalism.</p><p>• The power of controlling the money is absolutely with the individuals, and not with the banks like the fiat type currencies.</p><p>• When there is an inflation, the Bitcoin is not affected. But the Fiat type currency will be easier to lose and get affected by it.</p><p>• The Bitcoin currency is easy easier to exchange and transfer as compared to the fiat or government currencies.</p><p>• The transaction fees involved with the Bitcoin are way cheaper and easily affordable.</p><p>Crypto currencies seem to be a favorable option among the people</p><p>The fiat type currencies are the centralized and legal way of exchanging money. But, the crypto currencies have acquired immense popularity in the past few years. There will never be anyone who would act as a middle man, like the case with the banks. Moreover, the cryptos are way cheaper and less expensive that the conventional fiat currencies.</p><p>Send money anywhere directly without waiting for the bank’s approval</p><p>You can send money to anyone in the world directly, and it is super fast. The money gets cleared within a few minutes time. You don’t have to wait for the traditional clearing and verification processes of the banking systems, which might take up to several days to get a clearance. Since it is decentralized and doesn’t come under the law and regulations of the government, nobody has any power to do anything with your account.</p><p>The blockchain technology has a very big role to play</p><p>Thanks to the crypto currencies, that gives us the power and the authority to become our very own bank, and take control over our finances. It is because of the blockchain technology that offers a higher level of sophistication while dealing with the finances. In fact, there are some mainstream financial industries that have started incorporating the idea of the technology.</p>]]></content:encoded> <wfw:commentRss>https://avtuoms.info/crypto-currency-vs-fiat-currency,html/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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