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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>bchsaln.info</title> <atom:link href="http://bchsaln.info/feed/" rel="self" type="application/rss+xml" /> <link>https://bchsaln.info</link> <description></description> <lastBuildDate>Sun, 05 Nov 2023 22:48:21 +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>Tips on Financial Planning</title> <link>https://bchsaln.info/tips-on-financial-planning/</link> <comments>https://bchsaln.info/tips-on-financial-planning/#comments</comments> <pubDate>Tue, 09 May 2023 19:35:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Financial Planning]]></category> <guid isPermaLink="false">http://bchsaln.info/?p=54</guid> <description><![CDATA[According to a recent survey by YouGov (commissioned by the Institute of Financial Planning), only 14% of people have put plans in place to work towards their financial goals (a drop from 19% last year). This is despite nearly 60% … <a href="https://bchsaln.info/tips-on-financial-planning/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> According to a recent survey by YouGov (commissioned by the Institute of Financial Planning), only 14% of people have put plans in place to work towards their financial goals (a drop from 19% last year). This is despite nearly 60% of respondents reporting that they are worried about their finances.Now, you may find that you are worried about your financial situation, especially after the recent spending at Christmas and in the sales, but the solution is not to put your head in the sand and hope that things will get better. Therefore, here are our 7 top tips for financial planning:<br />Don’t put this off Most people procrastinate over financial planning issues for a number of reasons: they don’t want to know the truth, they are worried about money, or they think it will be hard work. If you don’t start now, when will you start? Solution: set yourself some goals for your financial planning. They could be anything which is important to your life such as clearing Christmas debts, paying off the mortgage, saving for a holiday etc.<br />Understand your income and expenditure This is fundamental to your financial well-being. If you do not understand what is coming in and going out each month, the chances are that you are over spending. In time this could lead to debt and stress. Solution: Go through your bank statements and set budgets for your key areas of expenditure. Whatever makes sense to you.<br />Understand what’s in your financial pot Draw up a list of your financial assets, as well as your debts. This will help you to think about how far you need to go towards your financial plans. Solution: create a list of your assets and debts. This will help you to work on growing or reducing these items.<br />Build up an emergency fund Most people do not have enough in savings to cover them if something happens which means they need money urgently. You need to have at least 3-6 month’s worth of expenditure put aside in an instant access savings account. Solution: work out how much you have put aside in instant access accounts (not longer term savings or your current account). If you don’t have at least 3 months of expenditure put aside, then work on getting to this figure.<br />Think ‘what if’ No doubt you insure your car and your house contents, but what would happen if you or your partner dies, get sick, or loses their job? Think about the consequences in these situations. You need to build a plan for how you would cope financially if the worst happens, and this may include insurance. Solution: put together a schedule of insurance for these scenarios, and think about how much cover you might need on top.<br />Pay off those debts as quickly as you can afford When you become debt-free your finances will be in a much stronger position. think about all the added expenditure this creates, as well as the added cost of those items you purchased long ago. Solution: work towards paying off the most expensive debts by interest rate as quickly as you can afford. Put together a list of unsecured debts like credit cards and loans, and work on a budget to overpay until you can pay them off.<br />Put money aside for the future Start on this one if you can say you have done all of the above to some degree. It doesn’t matter if you start small, since it all adds up, and you can always increase your savings later. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://bchsaln.info/tips-on-financial-planning/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Dual Redundant and Triple Redundant PLC Systems</title> <link>https://bchsaln.info/dual-redundant-and-triple-redundant-plc-systems/</link> <comments>https://bchsaln.info/dual-redundant-and-triple-redundant-plc-systems/#comments</comments> <pubDate>Fri, 05 May 2023 12:25:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[body systems]]></category> <category><![CDATA[chop suey system of down]]></category> <category><![CDATA[lonely day system of down]]></category> <category><![CDATA[operating systems]]></category> <category><![CDATA[organ system]]></category> <category><![CDATA[organ systems]]></category> <category><![CDATA[solar system]]></category> <category><![CDATA[system]]></category> <category><![CDATA[system of down]]></category> <category><![CDATA[system of down byob]]></category> <category><![CDATA[systems]]></category> <category><![CDATA[systems not goals]]></category> <category><![CDATA[systems thinking]]></category> <category><![CDATA[systems vs goals]]></category> <category><![CDATA[toxicity system of down]]></category> <category><![CDATA[writing systems]]></category> <guid isPermaLink="false">http://bchsaln.info/?p=52</guid> <description><![CDATA[The Dual Redundant Emergency Shut Down PLC SystemThe most important feature of an ESD system is that it must only operate when there is a failure in the plant. There are two main problems if the ESD equipment fails. The … <a href="https://bchsaln.info/dual-redundant-and-triple-redundant-plc-systems/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> The Dual Redundant Emergency Shut Down PLC SystemThe most important feature of an ESD system is that it must only operate when there is a failure in the plant. There are two main problems if the ESD equipment fails. The first problem is the high cost of lost production. The second problem is that if the ESD equipment keeps failing the operations staff by-pass the system in order to keep the plant running. The dual redundant PLC system reduces the chance of an ESD system shutting down the plant because of ESD equipment failure. However, it ensures the plant is shut-down when there is a failure in the plant.Operation1) The field inputs are applied to two identical PLC systems in parallel.2) The software program for the PLC is applied to both microprocessors.3) If the field inputs are correct then the plant operates.4) If a field input fails then both PLC systems will detect this. In this case both the output control elements will shut-down the plant.5) Because there are two identical PLC systems the chances of a fault on both at the same time is very small. Therefore, a fault on one PLC system will not cause a shut-down because the good system will still hold the output control elements in the correct position.6) A faulty unit in the PLC system will indicate it has a fault. Therefore, maintenance can be carried out while the system is still running under the control of the good PLC system.7) This type of system uses automatic line checking to ensure the input/output wiring and devices are connected correctly. These systems will be learnt during advanced training at work.8) Dual redundant systems are used to control a complete ESD system. They provide a good level of safety at a reasonable cost (e.g. for platform control, oil/gas production units, etc.)Triple Redundant PLC SystemsThis system is the latest type of safety system. It ensures the plant only shuts down because of a plant failure but not because of an equipment failure. These systems are expensive. They are only used when the highest safety and reliability is required; e.g. large installations such as refineries, LNG plants etc.An example of the triple redundant PLC is the AUGUST C 300 system. AUGUST control systems claim that their system is 99.999% guaranteed to shut down the plant ONLY if there is a plant failure.The voting unit will keep the plant running if 3 or 2 of the parallel systems are working correctly. It will shut the plant down if only 1 or none of the systems give the correct outputs. The software programmer is fed into the three microprocessors. It uses a self checking system so microprocessors can detect faults in its own system. All the units have fault indicators so that they can be changed while the system continues to work using the good units.All input/output wiring and devices are automatically checked to ensure that they are connected correctly.These systems are very complicated and will be learn on the job, as it depends on what system the plant uses. </p>]]></content:encoded> <wfw:commentRss>https://bchsaln.info/dual-redundant-and-triple-redundant-plc-systems/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>“Secured Retirement Investing” Requires Thoughtful Planning and Education</title> <link>https://bchsaln.info/secured-retirement-investing-requires-thoughtful-planning-and-education/</link> <comments>https://bchsaln.info/secured-retirement-investing-requires-thoughtful-planning-and-education/#comments</comments> <pubDate>Fri, 05 May 2023 10:17:20 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[american education]]></category> <category><![CDATA[dp education]]></category> <category><![CDATA[education]]></category> <category><![CDATA[education american]]></category> <category><![CDATA[education reform]]></category> <category><![CDATA[education system]]></category> <category><![CDATA[educational]]></category> <category><![CDATA[educational video for kids]]></category> <category><![CDATA[educational videos for kids]]></category> <category><![CDATA[motion education]]></category> <category><![CDATA[public education]]></category> <category><![CDATA[samurai education]]></category> <category><![CDATA[sex education]]></category> <guid isPermaLink="false">http://bchsaln.info/?p=50</guid> <description><![CDATA[Many financial pundits embrace grandiose theories and use mathematical formulas to convince the vast sea of American Investors to accept their vision of the perfect American Retirement Account Balance. They make statements like “by the time you are sixty five … <a href="https://bchsaln.info/secured-retirement-investing-requires-thoughtful-planning-and-education/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Many financial pundits embrace grandiose theories and use mathematical formulas to convince the vast sea of American Investors to accept their vision of the perfect American Retirement Account Balance. They make statements like “by the time you are sixty five you should have X$ in your retirement portfolio to cover health care costs or to live the perfect dream of exotic travel and extravagant lifestyle of spend, spend and more spending. Retirement plans and accounts, however, are like “beauty” it is in the “Eye of the Beholder”! My perfect retirement lifestyle is not necessarily my cousin’s or for that matter my next door neighbor’s. We all have different interests, needs, and desires. But we all do share one thing in common we deal in a risky business indeed called Investing.It may not be a forgone conclusion; that Penny Stock Investors are investing for retirement. Some will develop an investment portfolio to hedge their current business needs whatever that may be. Some may invest just to prove to themselves and others that they can, while still others invest as a business to generate their monthly income in order to meet obligations. Still others invest for one goal, to build up a massive amount of cash these are typically referred to as “Day Traders.This article is not an attempt to convince anyone how to invest or why for that matter, it is simply to give another point of view for the motivation of investing. The need to think about retirement whether you are a full time investor or just starting out or you have been a “bi-vocational” investor for years.No matter your motivation allow me to make a case for you to invest with one eye looking down the road to retirement regardless of how long or short that may be. We all know instinctively that one day we will “give up”, “give out”, or “wear out”! Now I am not trying to be pessimistic or to be a bearer of bad news especially for those of you in your twenties and thirties. But what I am tying to impress on everyone is that just like in the market, life has no guarantees! By that I mean life and the market share the same propensity for change, volatility, risk, and dare I say fees, loads, and charges. Why do you think that the game of Monopoly is so popular? Because Monopoly like real life reflects the whole concept of “Time and Chance”.For those folks who are the always the winner at Monopoly remember this, life isn’t a board game and you cannot ever memorize all the cards that will be thrown at you. This is just like Investing! Multiple volatile conditions affect your investments 24/7 and there is nothing that can stop Time and Chance from happening to you or anyone else for that matter. Since we are all equipped with this basic knowledge wouldn’t it be prudent to at least look down the road and work up for yourself a basic vision of what kind of retirement you would like to have and at what age? Here are a few topics for your consideration.Living arrangements – Family residence, condo/town home, retirement village? How much will that cost based on today’s economy and then calculate from your current age to your perfect retirement age how many years that is multiplied by 3% for inflation. You will need to revisit this about every year to adjust for current inflation rates. Currently inflation isn’t really an issue but that wont always be the case.Health Care Costs- we don’t really know what these will be any more than we can actually count the stars in the night sky. This is true for most investors living in the U.S. now days. Since this is a High Risk area we need an alternative plan other than just cash accumulation. There are two key concepts you need to study “Mortality & Morbidity”. They will make you feel real happy! Not!Food – Now here is a topic that whole 2hr seminars have been based around. Many folks living today who are in the Boomer generation can remember when the cost of a loaf of bread was.75Cents and a cup of coffee at a restaurant was.25 cents. How about the incredible edible Egg? from 1985-1987 the price per dozen ranged from 42.9 cents to 51.5 cents.(Cooperative Extension University of California Number 85 June 30, 1988)Currently in 2012 one dozen large grade “A” eggs are selling for $1.7059 while the organic brown shell eggs in a carton range from $2.61- $3.16(http://www.ams.usda.gov/pymarketnews.htm or PYMNDSM@ams.usda.gov)Based on just these three areas of life we can deduce that living will be more expensive in the future than it is right now. And this is not taking into consideration the punitive tax system we are under in the United States currently or the new taxes that have and will be voted into existence before and during our retirement.What areas can we offset the risk with careful planning? Well for one, risk can be reduced by a well thought out investment plan focusing on an annual return that will beat inflation and keep up with the market while never delivering bad news like a negative return. I think that you would agree that these types of accounts would be the perfect holding area for your “Bread and Butter” retirement fund. What are these types of accounts? Well they are widely available in every city, state and the whole nation for that matter they are Indexed Annuities.The Indexed Annuity with safety and a guaranty income provision can provide income protection for you for life and while you wait to start the income the account can grow and compound the returns on the interest generated, and on the Taxes you would have paid if the money were in another type of interest bearing account. And never give you a negative return.Some investors work from a forward looking strategy and determine what there Social Security income will be when they reach either their max retirement age or when they can take it the earliest and begin to accumulate that much cash reserves or purchase an annuity with that much money and let that keep up with inflation. Then go along there happy way being the raging stock investor they are on the inside.Now couple this with a disciplined Investment Strategy and you have a retirement focused plan where you can have the peace of mind that your retirement funds will always be safe and growing, while at the same time focus on the business at hand that of being the best penny stock investor you can be.All the Best & Happy Investing!Randall Coxwww.PennyStockSuccessTips.comP.S. In my next article entitled “Create an Investment “Safety Net” with Old Fashioned Insurance”. I am going to reveal little known tips and strategies that most married couples have not considered. These concepts will help married couples who have one investor minded partner and another who is so frightened about risking their financial future that they wont even dole out a quarter in a payphone for fear of losing it.And the secrets that affluent people have used in order to get their hands on tax free cash to invest and buy businesses. </p>]]></content:encoded> <wfw:commentRss>https://bchsaln.info/secured-retirement-investing-requires-thoughtful-planning-and-education/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Securing Payday Loans With No Credit Checks Makes a Real Difference</title> <link>https://bchsaln.info/securing-payday-loans-with-no-credit-checks-makes-a-real-difference/</link> <comments>https://bchsaln.info/securing-payday-loans-with-no-credit-checks-makes-a-real-difference/#comments</comments> <pubDate>Thu, 04 May 2023 07:56:40 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[loans]]></category> <category><![CDATA[auto loans]]></category> <category><![CDATA[bank]]></category> <category><![CDATA[bank loan]]></category> <category><![CDATA[best loan app]]></category> <category><![CDATA[car loans]]></category> <category><![CDATA[home loan]]></category> <category><![CDATA[instant loan]]></category> <category><![CDATA[insyant loan]]></category> <category><![CDATA[loan]]></category> <category><![CDATA[loan app]]></category> <category><![CDATA[loan apps]]></category> <category><![CDATA[loan for iits]]></category> <category><![CDATA[loan scam]]></category> <category><![CDATA[loan shorts]]></category> <category><![CDATA[low interest loans]]></category> <category><![CDATA[personal loan]]></category> <guid isPermaLink="false">http://bchsaln.info/?p=48</guid> <description><![CDATA[Bad credit is never a good thing, but it’s not the death-knell to funding so many of us believe it is either. There are loan options available to people with even the worst credit scores. The fact that it is … <a href="https://bchsaln.info/securing-payday-loans-with-no-credit-checks-makes-a-real-difference/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Bad credit is never a good thing, but it’s not the death-knell to funding so many of us believe it is either. There are loan options available to people with even the worst credit scores. The fact that it is possible to get approval on some loans, like payday loans, with no credit checks ensures this is the case.Bad credit scores are not debilitating, and actually enjoy only a fraction of the significance traditional lenders would have us believe. Income and a suitably low debt-to-income ratio are far more influential factors, and while guaranteed loan approval never really exists, these loans are the closest to it.Still, there is no such thing as free money, and there are clear compromises to accept before a payday loan can be secured. They may be the fastest and most accessible route to cash on the market, but they are also the most expensive.What is a Payday Loan?Getting a payday loan with no credit check is not the ground-breaking development it might seem. These loans have been available in one form or another for decades, and bad credit scores have never had any significance to them. This is because the loan is granted on the back of an upcoming paycheck.The biggest advantage is that approval is very easy to attain. It is not exactly guaranteed loan approval, but all that is required is that the monthly income be sufficient to make the repayment in one lump sum. And the fact that credit histories are not checked out means that cash can be secured quickly in times of financial emergency.However, the loan limit is set at $1,500 while the interest rate is very high (sometimes 35%). And since the term can be as short as just 2 weeks, the pressure to repay a payday loan can be extreme.Why No Credit Check WorksLenders never turn to bad credit ratings to decide the fate of a loan application. There are more pressing factors, and given that the recent economic developments have left many honest borrowers with poor ratings, they no longer give an accurate indication of the kind of risk involved in any loan deal. So, the approval of payday loans with no credit checks does make sense.What is more, because these loans are so much more accessible, with practically guaranteed loan approval, a greater volume of loans is granted. So, ignoring credit histories makes good business sense.With no credit checks, the focus of the approval process is correctly centered on the fairest criteria – income. So, despite the pressures involved in making repayments in such a short period of time, a payday loan is sometimes too good to be ignored by borrowers.Other Points to ConsiderApproval on payday loans with no credit checks rests on the income, not on their credit scores. Normally, debt-to-income ratios, which stipulate that no more than 40% of income be dedicated to repaying debts, would also play a significant part. But since these loans are typically repaid in one lump sum, they have little bearing here.A practically guaranteed loan approval can be enjoyed if the income is large enough to cover the repayment in one go. For example, a $1,500 loan at 35% will require $2,025 to clear the debt. This is a large sum to take out of a paycheck, so it is essential that the paycheck is big enough to accommodate it.However, a payday loan is still the fastest way to emergency funds, making them highly attractive despite the extremely high interest rates charged and the extremely short term of the loan. With that in mind, be sure to check out several options online before agreeing to take out a loan. </p>]]></content:encoded> <wfw:commentRss>https://bchsaln.info/securing-payday-loans-with-no-credit-checks-makes-a-real-difference/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Financing Film Tax Refunds For Filming in Canada</title> <link>https://bchsaln.info/financing-film-tax-refunds-for-filming-in-canada/</link> <comments>https://bchsaln.info/financing-film-tax-refunds-for-filming-in-canada/#comments</comments> <pubDate>Thu, 04 May 2023 05:34:00 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[abc finance]]></category> <category><![CDATA[alan kohler finance report]]></category> <category><![CDATA[basic finance]]></category> <category><![CDATA[business and finance]]></category> <category><![CDATA[finance]]></category> <category><![CDATA[finance basics]]></category> <category><![CDATA[finance books]]></category> <category><![CDATA[finance comics]]></category> <category><![CDATA[finance degree]]></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 report]]></category> <category><![CDATA[finance stock]]></category> <category><![CDATA[finance update]]></category> <category><![CDATA[future of finance]]></category> <category><![CDATA[kohler finance]]></category> <category><![CDATA[learn finance]]></category> <category><![CDATA[personal finance]]></category> <category><![CDATA[public finance]]></category> <category><![CDATA[study finance]]></category> <category><![CDATA[types of finance]]></category> <category><![CDATA[what is finance]]></category> <category><![CDATA[yahoo finance]]></category> <guid isPermaLink="false">http://bchsaln.info/?p=46</guid> <description><![CDATA[Financing film tax refunds on Canadian productions is currently an integral part of the overall financing for projects in film, television, and animation in Canada. Those in the know are aware that typically a valid tax credit can be financing … <a href="https://bchsaln.info/financing-film-tax-refunds-for-filming-in-canada/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Financing film tax refunds on Canadian productions is currently an integral part of the overall financing for projects in film, television, and animation in Canada. Those in the know are aware that typically a valid tax credit can be financing almost immediately after production has been completed.An even more little know fact, (and we are surprised at the number of people that don’t know this ) is that if you tax credit is certifiable and you are somewhat experienced in the industry your tax credit can actually be financing during your production, bringing much needed cash flow and working capital to your project.When we meet with clients we are not of course surprised to hear that a large part of their total project involvement in the 3 key areas (film, TV, and digital animation) is spent on sourcing financing for their project. While the overall financing environment has improved considerably in 2010 (and boy has those great government tax credit increases helped) it is still a challenge for most productions to cobble together financing for the entire project.There are, of course, a number of options and strategies available to owners of any particular production. Our focus here in our information is primarily the monetizing of the increased and generous tax credits that come in the form on non repayable cheques from the government. Your ability to monetize, (we can say ‘cash flow ‘) those credits is a key part of the industry today.Tax credit financing is usually done in conjunction with the other forms of financing in our three key focus areas. Those other types of financing of course include equity, pre-sales, etc.In order to finance certain key elements must exist. The one key area to focus on is certification and eligibility, with criteria being a bit different, but essentially the same, depending on which proving your production is domiciled in. Ontario and B.C. seem to garner most of the action…Owners that surround themselves with solid accounting and legal partners and who have a clean special purpose entity set up are 90% of the way there! What we are really saying is that if your production is eligible, and you have documented your bidets and costs carefully, and they are cleanly with a separate legal entity (preferable) you are safe to assume you can have your tax credit financed.We strongly recommend that you work with someone who is at trusted, experienced and credible advisor in this area who will work with you to maximize the total dollars that you can derive out of your tax credit. Naturally a clean tax credit represents 100% of the dollars due to your production. To err on the side of safety and conservatism tax credits are generally financed at 50-80% loan to value. (There are exceptions on the upside and downside as always!). No payments are made on your financing, and final financing costs come out of the final receipt of funds form the government, with any additional balances left over due to your production of course.The ability to finance your production creatively, with the assistance of the monetization of your tax credit is a powerful strategy not available in all parts of the world, due in most part of course to the generous non repayable credits the Canadian government as deemed for the industry. Utilize tax credit financing to improve the overall success of your projects. </p>]]></content:encoded> <wfw:commentRss>https://bchsaln.info/financing-film-tax-refunds-for-filming-in-canada/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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