![[Valid RSS]](images/valid-rss-rogers.png "Valid RSS")
This is a valid RSS feed.
This feed is valid, but interoperability with the widest range of feed readers could be improved by implementing the following recommendations.
... rel="self" type="application/rss+xml" />
^
line 31, column 0: (3 occurrences) [help]
<content:encoded><![CDATA[<p><![CDATA[<br />
<?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>ckbidln.info</title> <atom:link href="http://ckbidln.info/feed" rel="self" type="application/rss+xml" /> <link>https://ckbidln.info</link> <description>Just another WordPress site</description> <lastBuildDate>Wed, 13 Mar 2024 18:06:30 +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>Credit Score Improvement Tips</title> <link>https://ckbidln.info/credit-score-improvement-tips</link> <comments>https://ckbidln.info/credit-score-improvement-tips#comments</comments> <pubDate>Wed, 29 Nov 2023 13:19:20 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ckbidln.info/?p=69</guid> <description><![CDATA[Introduction In today’s financial landscape, having a good credit score is essential for various reasons. It determines your eligibility for loans, credit cards, and even certain job opportunities. If you’re looking to improve your credit score in 2023, here are some effective tips to help you achieve that. 1. Check Your Credit Report Start by [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="How to Improve Credit Score5 ways to hack its algorithm w/ Proven Study" src="https://i2.wp.com/goldenfs.org/wp-content/uploads/2020/08/how-is-my-credit-score-calculated-.jpg" _mce_src="https://i2.wp.com/goldenfs.org/wp-content/uploads/2020/08/how-is-my-credit-score-calculated-.jpg" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><h2>Introduction</h2><p>In today’s financial landscape, having a good credit score is essential for various reasons. It determines your eligibility for loans, credit cards, and even certain job opportunities. If you’re looking to improve your credit score in 2023, here are some effective tips to help you achieve that.</p><h2>1. Check Your Credit Report</h2><p>Start by requesting a free copy of your credit report from the major credit bureaus. Review it carefully for any errors or discrepancies. If you find any, dispute them immediately to ensure your credit score is calculated accurately.</p><h2>2. Pay Your Bills on Time</h2><p>One of the most vital factors in determining your credit score is your payment history. Make sure to pay all your bills, including credit cards, loans, and utilities, on time. Consider setting up automatic payments or reminders to avoid any missed payments.</p><h2>3. Reduce Credit Utilization</h2><p>Another significant aspect of your credit score is your credit utilization ratio, which is the amount of credit you’re using compared to your total credit limit. Aim to keep your credit utilization below 30% to demonstrate responsible credit management.</p><h2>4. Avoid Opening Too Many New Accounts</h2><p>While having a mix of credit types is beneficial for your credit score, opening too many new accounts can negatively impact it. Each new credit application results in a hard inquiry on your credit report and can lower your score temporarily.</p><h2>5. Pay Off Debts Strategically</h2><p>If you have multiple debts, focus on paying off high-interest debts first. This not only saves you money on interest payments but also demonstrates responsible debt management, which positively affects your credit score.</p><h2>6. Keep Old Accounts Open</h2><p>Even if you no longer use certain credit cards or have paid off loans, it’s generally recommended to keep those accounts open. Closing old accounts can reduce your overall credit history length and potentially lower your credit score.</p><h2>7. Diversify Your Credit Mix</h2><p>Having a diverse credit mix, such as a combination of credit cards, loans, and mortgages, can positively impact your credit score. However, only apply for new credit when necessary and ensure you can manage it responsibly.</p><h2>8. Limit Credit Applications</h2><p>Avoid applying for multiple credit cards or loans within a short period. Each application creates a hard inquiry on your credit report, which can lower your credit score temporarily. Instead, research and apply for credit strategically.</p><h2>9. Use Credit Monitoring Tools</h2><p>Take advantage of free credit monitoring tools to track changes in your credit score and receive alerts for any suspicious activity. Regularly monitoring your credit can help you identify and address any issues promptly.</p><h2>10. Be Patient and Persistent</h2><p>Improving your credit score takes time and consistent effort. Stay committed to responsible credit management and monitor your progress regularly. With patience and persistence, you can steadily improve your credit score over time.</p><h3>Conclusion</h3><p>A good credit score is crucial for financial stability and opportunities. By following these credit score improvement tips in 2023, you can take control of your creditworthiness and pave the way for a brighter financial future.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://ckbidln.info/credit-score-improvement-tips/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Mutual Funds Vs. Index Funds Comparison</title> <link>https://ckbidln.info/mutual-funds-vs-index-funds-comparison</link> <comments>https://ckbidln.info/mutual-funds-vs-index-funds-comparison#comments</comments> <pubDate>Wed, 29 Nov 2023 13:16:21 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ckbidln.info/?p=67</guid> <description><![CDATA[Introduction When it comes to investing, mutual funds and index funds are two popular options among investors. Both types of funds offer opportunities for diversification and growth, but they have distinct characteristics and suit different investment goals. In this article, we will compare mutual funds and index funds to help you understand their differences and [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="Mutual Funds vs Index Funds vs ETF's Similarities and Differences" src="https://i2.wp.com/passiveideas.com/wp-content/uploads/2020/08/my-visual-copy_47972522-2.png?resize=840%2C549&ssl=1" _mce_src="https://i2.wp.com/passiveideas.com/wp-content/uploads/2020/08/my-visual-copy_47972522-2.png?resize=840%2C549&ssl=1" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><p><head><meta charset="UTF-8"><meta name="viewport" content="width=device-width, initial-scale=1.0"></head><body></p><h2>Introduction</h2><p>When it comes to investing, mutual funds and index funds are two popular options among investors. Both types of funds offer opportunities for diversification and growth, but they have distinct characteristics and suit different investment goals. In this article, we will compare mutual funds and index funds to help you understand their differences and make informed investment decisions.</p><h2>What are Mutual Funds?</h2><p>Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. They are managed by professional fund managers who make investment decisions on behalf of the investors. Mutual funds are actively managed, meaning the fund managers actively buy and sell securities to generate returns.</p><h2>What are Index Funds?</h2><p>Index funds, on the other hand, are passively managed funds that aim to replicate the performance of a specific market index, such as the S&P 500. Instead of relying on active management, index funds aim to match the performance of the index by holding the same securities in the same proportion as the index. This results in lower management fees compared to mutual funds.</p><h2>Key Differences</h2><h3>1. Management Style</h3><p>The main difference between mutual funds and index funds lies in their management style. Mutual funds are actively managed, which means fund managers analyze market conditions and make investment decisions based on their research and expertise. On the other hand, index funds passively track a specific market index and do not require active management.</p><h3>2. Cost</h3><p>Due to their active management and higher research costs, mutual funds tend to have higher expense ratios compared to index funds. Index funds, being passively managed, have lower expense ratios as they do not require extensive research or frequent buying and selling of securities.</p><h3>3. Performance</h3><p>Performance can vary between mutual funds and index funds. While some actively managed mutual funds may outperform their respective market indexes, studies have shown that over the long term, a majority of mutual funds underperform their benchmarks. On the other hand, index funds aim to match the performance of the market index they track.</p><h3>4. Risk</h3><p>Mutual funds and index funds both carry investment risks, but the level of risk can differ. Actively managed mutual funds may take higher risks in pursuit of higher returns, which can result in potential losses. Index funds, by replicating the performance of the index, provide a more diversified approach and can help reduce the risk associated with individual stock picking.</p><h3>5. Tax Efficiency</h3><p>Index funds are known for their tax efficiency compared to mutual funds. This is because index funds have lower portfolio turnover, resulting in fewer taxable events. Mutual funds, with their active buying and selling of securities, may generate more capital gains, which can be subject to taxes.</p><h2>Conclusion</h2><p>Choosing between mutual funds and index funds depends on your investment goals, risk tolerance, and preference for active or passive management. If you prefer a hands-on approach and believe in the expertise of fund managers, mutual funds may be suitable for you. On the other hand, if you prefer a low-cost, diversified investment option that aims to match the performance of the market, index funds may be a better choice. It is important to carefully evaluate the fees, performance, and risks associated with each type of fund before making an investment decision.</p>]]></content:encoded> <wfw:commentRss>https://ckbidln.info/mutual-funds-vs-index-funds-comparison/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Retirement Income Strategies In 2023</title> <link>https://ckbidln.info/retirement-income-strategies-in-2023</link> <comments>https://ckbidln.info/retirement-income-strategies-in-2023#comments</comments> <pubDate>Wed, 29 Nov 2023 13:12:42 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ckbidln.info/?p=65</guid> <description><![CDATA[Introduction Retirement is a significant milestone in everyone’s life. It marks the end of our working years and the beginning of a new chapter. However, with the changing economic landscape, it’s essential to have effective retirement income strategies to ensure a comfortable and secure future. In this article, we will explore some of the best [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="[White Paper] Retirement Strategies" src="https://i2.wp.com/purefinancial.com/wp-content/uploads/2016/04/Retirement-Strategies-Cover.jpg" _mce_src="https://i2.wp.com/purefinancial.com/wp-content/uploads/2016/04/Retirement-Strategies-Cover.jpg" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><h2>Introduction</h2><p>Retirement is a significant milestone in everyone’s life. It marks the end of our working years and the beginning of a new chapter. However, with the changing economic landscape, it’s essential to have effective retirement income strategies to ensure a comfortable and secure future. In this article, we will explore some of the best strategies to maximize your retirement income in the year 2023.</p><h2>1. Start Saving Early</h2><p>One of the most crucial retirement income strategies is to start saving as early as possible. The power of compounding can work wonders in growing your retirement nest egg. By saving consistently and investing wisely, you can take advantage of the long-term growth potential of your investments.</p><h2>2. Diversify Your Investments</h2><p>To mitigate risks and ensure a steady stream of income during retirement, it’s important to diversify your investments. Spread your investments across different asset classes, such as stocks, bonds, real estate, and even alternative investments like cryptocurrencies. This diversification will help you weather any market volatility and provide a stable income source.</p><h2>3. Consider Annuities</h2><p>Annuities can be an excellent addition to your retirement income strategy. They provide a guaranteed income stream for life or a specified period, offering stability and peace of mind. Explore different types of annuities, such as immediate annuities or deferred annuities, to find the one that suits your financial goals and risk tolerance.</p><h2>4. Optimize Social Security Benefits</h2><p>Social Security benefits play a significant role in retirement income. However, it’s crucial to optimize these benefits by understanding the rules and regulations. Consider factors such as when to start claiming benefits, spousal benefits, and strategies like file and suspend or restricted application to maximize your Social Security income.</p><h2>5. Plan for Healthcare Expenses</h2><p>Healthcare expenses often increase during retirement. It’s essential to plan for these costs and ensure you have adequate health insurance coverage. Consider long-term care insurance to protect your savings from being depleted in case of a medical emergency or the need for assisted living.</p><h2>6. Explore Part-Time Work</h2><p>If you’re looking to boost your retirement income or stay active during retirement, consider exploring part-time work opportunities. It can provide additional income while allowing you to pursue your interests and stay socially engaged.</p><h2>7. Budget and Track Expenses</h2><p>Creating a budget and tracking your expenses is vital in retirement. It helps you identify areas where you can cut back and save more. By keeping a close eye on your spending, you can ensure that your retirement income lasts throughout your golden years.</p><h2>8. Rebalance Your Portfolio</h2><p>Regularly reviewing and rebalancing your investment portfolio is crucial to maintain the desired asset allocation. As you near retirement, consider adjusting your portfolio to reduce risk and focus more on income-generating assets. Consult with a financial advisor to determine the optimal asset allocation for your retirement income needs.</p><h2>9. Consider Rental Income</h2><p>If you own property, consider generating additional income through rental properties. Real estate can provide a stable income stream during retirement and act as a hedge against inflation. However, be sure to consider the responsibilities and potential risks associated with being a landlord before pursuing this strategy.</p><h2>10. Seek Professional Advice</h2><p>Lastly, seeking professional financial advice is crucial in developing effective retirement income strategies. A qualified financial advisor can help you navigate the complexities of retirement planning, analyze your unique situation, and provide tailored recommendations to maximize your retirement income.</p><h3>Conclusion</h3><p>As you approach retirement in 2023, it’s essential to have a well-thought-out retirement income strategy. By starting early, diversifying investments, optimizing Social Security benefits, and considering other strategies mentioned in this article, you can ensure a comfortable and secure retirement. Remember to consult with professionals and regularly review your plan to adapt to any changes in the economic landscape.</p>]]></content:encoded> <wfw:commentRss>https://ckbidln.info/retirement-income-strategies-in-2023/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Commercial Loan Workouts to Rescue Distressed Strip Malls From Foreclosure</title> <link>https://ckbidln.info/commercial-loan-workouts-to-rescue-distressed-strip-malls-from-foreclosure</link> <comments>https://ckbidln.info/commercial-loan-workouts-to-rescue-distressed-strip-malls-from-foreclosure#comments</comments> <pubDate>Thu, 06 Apr 2023 19:34:13 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Loans]]></category> <category><![CDATA[Auto Loans]]></category> <category><![CDATA[Budgeting]]></category> <category><![CDATA[Commercial Loans]]></category> <category><![CDATA[Credit]]></category> <category><![CDATA[Credit Tips]]></category> <category><![CDATA[Currency]]></category> <category><![CDATA[Debt Management]]></category> <category><![CDATA[Finance]]></category> <category><![CDATA[Home Equity Loans]]></category> <category><![CDATA[PayDay Loans]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Personal Loans]]></category> <category><![CDATA[Property]]></category> <category><![CDATA[Student Loans]]></category> <category><![CDATA[Trading]]></category> <guid isPermaLink="false">http://ckbidln.info/?p=54</guid> <description><![CDATA[Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken [...]]]></description> <content:encoded><![CDATA[<p> Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience. </p>]]></content:encoded> <wfw:commentRss>https://ckbidln.info/commercial-loan-workouts-to-rescue-distressed-strip-malls-from-foreclosure/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Career by Design: Decorating Your Lives with Home Interiors</title> <link>https://ckbidln.info/career-by-design-decorating-your-lives-with-home-interiors</link> <comments>https://ckbidln.info/career-by-design-decorating-your-lives-with-home-interiors#comments</comments> <pubDate>Thu, 06 Apr 2023 17:08:02 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[home]]></category> <category><![CDATA[Building]]></category> <category><![CDATA[Buying]]></category> <category><![CDATA[Commercial]]></category> <category><![CDATA[Commercial Property]]></category> <category><![CDATA[Construction]]></category> <category><![CDATA[Home Staging]]></category> <category><![CDATA[Homes]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Marketing]]></category> <category><![CDATA[Property Management]]></category> <category><![CDATA[Real Estate]]></category> <guid isPermaLink="false">http://ckbidln.info/?p=52</guid> <description><![CDATA[I am learning so much about decorating since I became a Home Interiors consultant, I want to share with you a few hints I have picked up. We have four basic elements of decorating. Wall decor, accessories, florals and greenery, and ambience.Let’s start with my favorite, ambience. Lighting with candles can bring life to your [...]]]></description> <content:encoded><![CDATA[<p> I am learning so much about decorating since I became a Home Interiors consultant, I want to share with you a few hints I have picked up.<br />We have four basic elements of decorating. Wall decor, accessories, florals and greenery, and ambience.Let’s start with my favorite, ambience. Lighting with candles can bring life to your room. The flickering scented candles bring warmth and beauty as the light is reflected off the walls and glass in your home. And fragrances to satisfy all your tastes. From floral to fresh to fruit, it’s all what you want to bring into your rooms.Wall decor, all I have to say is an exclusive Thomas Kincaid and there is a picture for every room. Home Interiors has a wide variety of choices that tell a lot about your personal style. Framed art whether small or large can fit in those special places. Mirrors are the eyes of the home, and a source of movement. A well placed mirror in an entrance or hall can make sunlight dance in the daylight and reflect candlelight in the evening.Accessories are your “fingerprints” on your home. Table lamps, figurines, colorful vases, wall sconces and hurricane lamps will bring your special touch to your home. No two homes are the same when we all have the choice to decorate as we feel the right pieces are in the right places.<br />Florals and greenery add movement and life to your walls and tables. You also add texture through plants, and guess what you don’t have to have a green thumb! Our line of greenery never needs to be watered! Not that you should not keep those beautiful plants you have, if you are lucky enough to keep them alive and healthy looking! Gardening is another story!!<br />Questions we need answers to, Where should I start, how high to I hang my grouping, How can I add variety to my decorating, Where should I place the greenery, How far apart should I space accessories? We must get to those answers in my next e-zine.What is your decorating secret? What is it that makes people comfortable in your home? I will try to help you figure out the answers as I continue to share with you what I have learned. </p>]]></content:encoded> <wfw:commentRss>https://ckbidln.info/career-by-design-decorating-your-lives-with-home-interiors/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What Will Psychology Become in the 21st Century</title> <link>https://ckbidln.info/what-will-psychology-become-in-the-21st-century</link> <comments>https://ckbidln.info/what-will-psychology-become-in-the-21st-century#comments</comments> <pubDate>Sat, 01 Apr 2023 19:25:03 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Empirical Sciences]]></category> <guid isPermaLink="false">http://ckbidln.info/?p=50</guid> <description><![CDATA[Psychology has been around as a formal science for over 100 years. But it hasn’t escaped its original focus. Born in the laboratories of medicine, it has always been defined as the science of psychopathology, meaning what’s wrong with us. Perceived in this way, psychology has never been a major contributor to a general definition [...]]]></description> <content:encoded><![CDATA[<p> Psychology has been around as a formal science for over 100 years. But it hasn’t escaped its original focus. Born in the laboratories of medicine, it has always been defined as the science of psychopathology, meaning what’s wrong with us. Perceived in this way, psychology has never been a major contributor to a general definition of human nature; we think about ourselves psychologically only when something’s gone amiss.Until about 100 years ago it was most common to think of ourselves as creatures of God; a God Who gave us a small but very powerful piece of Himself – His Spirit. We still call this piece our “soul”, meaning the spiritual core of us. Though we don’t easily think of ourselves as possessing – being in charge – of the spiritual entity from which it derives. We usually think of it as something that belongs to some universal Presence or process – which we must obey to become totally and safely in tune. Tyranny survived for centuries basing itself upon this fearful belief.Enter psychology, the secularizing science. What it’s doing subtly, which is not yet fully recognized by us, is one, to claim the soul as belonging to humans; and two, to discard the notion of “psychopathology”. This process emancipates psychological science from the laboratories of medicine and its emphasis upon illness. Though it still presumes to be the parent of psychology, medicine itself lacks a unified theory of how the body functions as an ecosystem. Best illustration: drugs, which produce almost as many problems as they solve. Medicine has potential pieces of this theory, but obviously not the whole. Thus this parent is fundamentally unqualified to define this new psychological aspect of our nature. It hasn’t even got its own understanding in order.In recent times the pathological aspect of psychology is being eliminated in an effort to render everything user-friendly, by discarding – disowning – the negative aspects of human nature. The usual method is to say everything is normal. Though we don’t entirely believe it because we still suffer. This strategy of erasing the bad parts of the equation by will power is too oversimplified, producing the usual solution to this contradictory dilemma: to make spirituality a function of the brain, as if that organ is the seat of the human soul. Our preference has become – fix, or medicate the brain and the problem is solved. Only a mob could have produced such highly oversimplified thinking.We have always tried to explain ourselves most fundamentally as a physical entity, in which all of our parts can be traced to some aspect of the body. What we avoid imagining most of all is that we might be what religion still insists upon for many – an otherworldly creature with a core nature that isn’t corporeal or tangible, but is instead what might legitimately be regarded as a transcendental spirit. Though the human spirit that will evolve in the new century will belong not to God, but entirely to us. Transcendental will not mean surviving death and rising into heaven. It will mean instead existing only in this life, but in the process rising above physical limitations to achieve a new secular dimension of human nature – our transcendental spirit – that is traditionally understood as a part of religion belonging to God.Indeed we are the only creature on this planet who transcends its physical life beyond a primitive self-awareness, by being consciously aware of itself and so much more on many different levels; thus able to produce all of our electronic marvels. It’s that spiritual life of the mind, heart, imagination, intuition, etc., referring here to our real soul – the human psyche – with all of its marvelous parts that enable us to understand, and to make use of, so much of what is happening around us.But there is a huge hurdle for us to circumvent before we achieve this goal. It is our passion for social experience founded upon our firm belief that two or more people together is better than one. When precisely the opposite is true. The genius of the human species is our individuality. All new original things come from one person at a time. Groups of any size only imitate that wisdom – but only after reducing it to its lowest common denominator. Groups dilute everything they touch. It’s both their virtue – giving us respite – and their principle vice – by reducing our genius to the dumb wisdom of a mob.Unlike traditional religion, which partakes of the spiritual as a social event, being individually inventive leaves us fearfully alone with this intangible spiritual power. This is probably why we have always perceived human understanding and its spiritual power to come from the group. When the truth is that the power of the human psyche comes entirely from being individual, though in our fear we like to pretend that it originates in groups of all kinds, cultural, workplace, etc… so we don’t have to experience being alone with it.When there is nothing that happens in our collective experience that isn’t simply an imitation of what we already know as individuals. That group-celebration can be encouraging, supportive and fun. Though in our terror at being so separate and alone as spiritual individuals, we desperately treat the social group as something much more powerful – a parental entity capable of guiding us to better places – the “moral majority”. When this entity is really a headless monster. We pretend to give it a head by providing it leadership; but that’s mostly pretense no matter how clever that person may be. The problem is that groups don’t think; they act. And leaders don’t change that; yet we treat them as if they, by their thinking efforts, can make groups think and produce change.Anything new is hatched only in individual minds. Altogether, we treat groups, including, and most particularly corporations, with far too much reverence; and individual people with far too much mistrust and abuse. When groups of all kinds may sometimes respect individuals, at least to some extent, but the next day they will devour them as they have done, for instance in economic depressions (Article: see an aristocracy of the “Rich Create Depressions”), and in war – both of which have happened for centuries.Groups produce group-talk, in essence all the various forms of social science that define us as a collective entity walking in the same footsteps, having the same motives and needs that can be implemented in the same political rhetoric or acts. In the meantime what’s really going on between the group and the individual is a relationship of mistrust. Groups regard individual differences, and the dissonances they produce as growing pains, as potentially criminal, if for no other reason than simply by being centered-in-self – “selfish” is the usual accusing term.Psychology is changing the way people are talked about. It is replacing the discussion of people and their problems in the aggregate, as a mob moving through time… with describing people as having internal conflicts that motivate their behaviors. So far these internal conflicts have been perceived pathologically, which strongly implies that contradictions within human character border upon some form of deviance or criminality, politely discussed as “illness”. Instead of being perceived in a larger view as legitimate aspects of the evolution of the human psyche… as our individual souls work out their growing pains – which include such symptoms as hallucination and dissociation (see the article “Is Hallucination Normal” and others). These internal contradictions have more individually personal parts, than they have parts in common with others – for centuries our usual way of talking about each other.The huge advantage of addressing human problems in the individual form is beyond comprehension. The most obvious boon of this altered way of coping with human suffering is the elimination of violence. It’s true even today that the extent to which people address their emotional experience internally, instead of inflicting it together, socially upon some issue or cause, measures the extent to which violence has already been partly defeated.Eventually we will realize that studying the self as an ecosystem, which contains both beneficial as well as contradictory parts, is the most important kind of education we will ever undertake or accomplish. This self-learning will no longer have the sting that “illness” attaches to it; thus it will no longer be called “psychotherapy”. Instead it will become the core of all education, funding every other kind of exploration with the wisdom of self-knowledge.So what will psychology become in the 21st century? It will attempt to define a new concept of human nature that is entirely secular; in which the answers to the problems of the world are to be found inside individual people; defined as contradictions of our individual natures, instead of conflicts with the world at large, whether that be our neighbor, or the country next door. Thereby making war irrelevant to the process of problem solving in human affairs. Lets stop trying to explain our problems with group-talk, and start treating whatever problems we struggle with as belonging intimately to each one of us. We can help each other, but only if we can accept and acknowledge responsibility for our own suffering. This new psychology perceives human dysfunction as an internal event, not an external one. That ancient group-perspective is what has always made us so violence-prone. </p>]]></content:encoded> <wfw:commentRss>https://ckbidln.info/what-will-psychology-become-in-the-21st-century/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Online Auto Loans With Bad Credit – Tips to Get the Financing You Need</title> <link>https://ckbidln.info/online-auto-loans-with-bad-credit-tips-to-get-the-financing-you-need</link> <comments>https://ckbidln.info/online-auto-loans-with-bad-credit-tips-to-get-the-financing-you-need#comments</comments> <pubDate>Sat, 01 Apr 2023 08:24:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Currency Trading]]></category> <guid isPermaLink="false">http://ckbidln.info/?p=48</guid> <description><![CDATA[Looking for an auto loan online these days is not an easy task. With the economy still in a downward swing, there are several lenders out there who claim that they can get auto loans for bad credit borrowers only to take application money and run, or worse, set you up with a loan designed [...]]]></description> <content:encoded><![CDATA[<p> Looking for an auto loan online these days is not an easy task. With the economy still in a downward swing, there are several lenders out there who claim that they can get auto loans for bad credit borrowers only to take application money and run, or worse, set you up with a loan designed to make your credit even lower. Finding a bad credit auto loan online is not easy, but it is possible. What you need to do is make sure that you are armed with knowledge before starting the process of searching for a loan in the first place.Take It to the BBBAlso known as the Better Business Bureau, you may be familiar with BBB emblems on some of your favorite online shopping sites. This agency is designed as a protector of consumer interest that makes it a mission to discover who is good and who is bad in the business world.The BBB offers a grading system (similar to the one you had in school) whereby it rates businesses based on a number of factors including customer satisfaction and the reliability of their product or service.Searching the BBB website is a great first step towards discovering if an online lender’s practices are on the up and up. You can use the search bar on BBB’s main page to look for lenders in general or the specific one you are considering. As a general rule, do not work with any business who receives a grade below “B.”Communication Is KeyAny legitimate online lender will provide you with two important pieces of information on their web site: their address and telephone number. The presence of this information may seem like common sense, but they are a really important clue as to who is legit and who is a fraud.Though much of the online lending process can take place over the internet, it may be a good idea to call the company and ask questions before you fill out your application. This will give you increased peace of mind.Pay Nothing Up FrontThe final major sign that a bad credit auto lender is trying to scam you is what are known as pre-approval or application fees. Any company that deals with bad credit borrowers is sensitive to their unique financial position so asking for a fee up front seems counterintuitive.Remember, the ability to give you a loan and get your business is a privilege for the company and they make a lot of money on interest in doing so. Therefore you should not be charged to determine your eligibility. Chances are, if they ask for these fees, they will take them to the bank and you will be out of luck.Finding an Auto Loan OnlineTrying to find an auto loan online with bad credit can be a tough task. It is true that there are many companies out there with less-than-perfect intentions so you need to be diligent in your search. However, the flip side to this is that there are also many great online lenders who would be all too happy to help you get the auto loan you need. </p>]]></content:encoded> <wfw:commentRss>https://ckbidln.info/online-auto-loans-with-bad-credit-tips-to-get-the-financing-you-need/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Critical ‘Must Haves’ When Starting A Small Business</title> <link>https://ckbidln.info/critical-must-haves-when-starting-a-small-business</link> <comments>https://ckbidln.info/critical-must-haves-when-starting-a-small-business#comments</comments> <pubDate>Fri, 31 Mar 2023 22:10:58 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Business]]></category> <guid isPermaLink="false">http://ckbidln.info/?p=45</guid> <description><![CDATA[Starting a business has been an integral part of the American dream for hundreds of years. This is the segment of the business world that has helped this country grow during its infancy, and it has been a mainstay in helping to keep the American economy afloat ever since. With all of the changes that [...]]]></description> <content:encoded><![CDATA[<p> Starting a business has been an integral part of the American dream for hundreds of years. This is the segment of the business world that has helped this country grow during its infancy, and it has been a mainstay in helping to keep the American economy afloat ever since. With all of the changes that all of this growth during the years has brought, the most important thing a person needs when starting a small business is knowledge. The amount of training and assistance that is available is staggering to say the least. What you need is to focus on what type of business you plan on operating, and find the assistance and training that is applicable to that field.The time involved to get trained will depend on the type of business you want to have, and whether you plan on having someone train you or you plan on training yourself. Either way, you want this to be comprehensive in that it should cover everything from starting your business, maintaining it and then possibly selling it out when you want to retire. Everything involved may seem overwhelming at first, but it will all be worth it when you see the success starting to overtake the hard work you put in to make it a success.The training you get and any assistance that comes with that training is going to be the foundation on which your business is built. From here, what you will need to get is a business plan. You can keep the plan in your head and just do it, or you can write it down in a professional manner. The latter of those 2 options is preferable for at least 2 reasons. One, having it all written will keep the ideas you have fresh for years to come. Your business, be it large or small, is going to be complex because it involves so many things. From where the business is going to be, how many employee’s you plan on starting with, advertising, marketing, and the list goes on.The second, and possibly most important reason, is that a professionally written business plan is key to getting a loan to help get your business up and running. Now, if you have your own capital this isn’t going to be necessary. Nor would writing down your plan for the purpose of securing a loan, but again, writing down your plan is beneficial. There have been many times when people start their own business with certain things in mind, only to have those certain things change in time. The business world can be very fickle and your own plans may have to change to keep up with the external changes that have a direct or indirect influence on your business.Having all of the applicable business licences is a legal necessity and something you definitely need to plan on getting. The reason this fact is being pointed out after the financial aspect is that some people tend to put the cart before the horse. Securing a loan is typically not contingent upon having the required licences to legally operate the business. However, getting the required licences would be pointless without the cash to get the business up and running. If need be, if the licensing procedures are costly, you can always take out 2 separate loans. One to get the licensing you need, and then when that is taken care of, secure a second loan for the business itself. With small businesses though, this is typically unneeded as many licences can cost as little as ninety-nine dollars.Once you have the capital and the legal obligations taken care of, you need to come up with a name for your business and register that with the state where the business is head-quartered. When starting a small business this is kind of a no-brainer because you, typically, will only have one location. Some people though, when starting out, will have their main offices in one state while having another portion of the business, like a distribution centre for example, in another state. With this being the case, you need to register your business name in the state where the business originates from.Your business name needs to be filed for the obvious legal reasons, but it also needs to be filed because it would be rather hard to advertise and market your business without one. Hopefully, this aspect of your business is a part of your plan because, without it, no other part of your plan is likely to work. This should also be a part of the budget that was included in your start-up loan. The main reason new businesses fail is because they fail to get the word out. Focusing on the best ways to do this should have been a part of the training you received at the outset.Adding to these musts when starting your new business, is to actively retain legal advice. You will want to do this to get advice on contract and documents, as well as ongoing consultation and representation as you build and protect your business. One way to do this, without enormous cost, is to purchase a small business legal plan. You can usually find one that will provide the essentials for a start-up business, as well as ongoing advice as your business matures.Aside from the training, the business plan, the loans, the licensing, and the small business legal plan, perhaps the most important thing you need to start your own business is patience. The old parable about the tortoise and the hare is true. Especially in the business world. No one gets rich quick, at least not legitimately, so slow and steady really does win this race. The rule of thumb to go by is to expect to be in business for 5 years before turning enough of a profit to live comfortably on. This is why many financial institutions that give out loans to small businesses like to see a 5 year plan. They know as well as anyone that 5 years is typically how long it takes to turn a liveable profit.If this all sounds like a lot of work, well, it is. But with education, planning, organization and patience it doesn’t have to be hard. The rewards of owning your own business and being your own boss far outweigh the time and effort it took to become successful. There are many places online and, you can go to get testimonials from people who have “been there, done that”, and succeeded. I wish you good luck and much success with your new business. </p>]]></content:encoded> <wfw:commentRss>https://ckbidln.info/critical-must-haves-when-starting-a-small-business/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Dynasty Trusts Guard Personal Autonomy in Hierarchic Society</title> <link>https://ckbidln.info/dynasty-trusts-guard-personal-autonomy-in-hierarchic-society</link> <comments>https://ckbidln.info/dynasty-trusts-guard-personal-autonomy-in-hierarchic-society#comments</comments> <pubDate>Thu, 23 Mar 2023 05:37:52 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ckbidln.info/?p=43</guid> <description><![CDATA[A dynasty trust enables a degree of personal autonomy that is otherwise hard to achieve in a global economy characterized by punitive tax rates, job concentration in hierarchic corporations and public-sector agencies, and increasingly precarious property and privacy rights. A well-designed dynasty trust provides to generations of beneficiaries at least the minimum material support necessary [...]]]></description> <content:encoded><![CDATA[<p>A dynasty trust enables a degree of personal autonomy that is otherwise hard to achieve in a global economy characterized by punitive tax rates, job concentration in hierarchic corporations and public-sector agencies, and increasingly precarious property and privacy rights. A well-designed dynasty trust provides to generations of beneficiaries at least the minimum material support necessary for physical survival. A dynasty trust can also preserve family values and serve as perpetual source of funds for new business investments and philanthropic projects.</p><p>The term personal autonomy used here generally means the capacity to select choices and make decisions based on one’s own values and preferences, rather than on material exigencies dictated by society, government or employers. Personal autonomy implies the ability to internalize values and beliefs, observe and analyze situations, discern one’s desires and preferences, set goals, and to identify a corresponding course of action. Personal autonomy is strongly correlated with human dignity and self-respect.</p><p>Very few members of our society actually control the means of their physical livelihood. Most of us work for wages or salaries as employees in private enterprises or government agencies. As a result, our workplaces and livelihoods are subject to the decisions of managers over whom we have no substantive control. Some people are business owners and have no formal boss, but are nevertheless subject to directions from clients, customers, government regulators, tax collectors, campaign contributors or prevailing public opinion.</p><p>In any case, we all pay various combinations of rent, mortgage, medical and dental bills, auto payments, sales tax, business tax, income tax and real estate tax, which are always increasing and which are mercilessly collected. With few exceptions, people are locked into an economic system that affords little flexibility in a relentless struggle to pay their monthly bills. Economic efficiency demands routine compliance with workplace procedures and acquiescence to management decisions. While such conformity makes economic sense, it is somewhat inconsistent with notions of personal autonomy. Thus, despite living in a society that formally affords liberal political and personal freedoms, as a practical matter, most of us have little opportunity to practice personal autonomy in the workplace, much less exercise freedom of choice there. Legally we have the right to quit a job when we disagree. Practically, we have to think about the serious existential consequences of quitting. In other words, the economic reality of our society breeds obedience and compliance. Consciously or unconsciously, every person who must earn a living knows that conformity puts food on the table, and that nonconformity gets him fired.</p><p>This is not to say that personal autonomy cannot exist and be exercised in our economy. But even under the best circumstances, conflicts typically arise between an individual’s values and the goals and preferences of his “boss”. If and when the individual surrenders to the organization, which he is likely to do if his physical livelihood depends on it, personal autonomy loses.</p><p>The loss of personal autonomy in today’s society is a loss of personal dignity for an individual. Just as important for society as a whole, however, is the resulting moral vacuum in the workplace. An individual accustomed only to performing an economic function in a hierarchical organization and focused on satisfying a supervisor and achieving profit-oriented goals is not psychologically capable of making moral decisions or resisting immoral ones. This phenomenon might help to explain the lack of moral fortitude and the rampant corruption among politicians, government agencies, journalists, Wall Street bankers and media platforms.</p><p>A dynasty trust creates at least some amount of financial independence, insulating a beneficiary from the economic pressures described above. A dynasty trust helps to preserve the kind of personal autonomy that is necessary for an individual’s self-respect and for honest, moral decision-making in society.</p><p>Critics of dynasty trusts suggest that a dynasty trust encourages irresponsible and nonproductive behavior in beneficiaries because their economic survival is somewhat guaranteed no matter what they do. Although there is some logic to such a view, reality does not conclusively support it. The history of the United States contains innumerable examples of inheritors of family wealth who made significant contributions to society, even though they could easily have squandered their whole lives doing nothing. Further, there is historical support for the idea that inherited wealth facilitated and enabled good work by individuals that they would otherwise not have done. Also, arguably irresponsible or corrupt conduct of individuals is already protected now by the sovereign immunity afforded government officials, and by the limited liability of corporations, LLCs and worker compensation laws. Asset protection of a dynasty trust do not really alter the legal landscape there. Finally, at an extremely basic level, a hypothetical financially independent individual who makes absolutely no overtly positive contribution to society might be better for humanity than a mid-level executive who makes no decisions on his own but who earns a decent living working for an organization (e.g., the CIA and FBI) that does harm in the world.</p><p>A dynasty trust does not guarantee personal happiness or moral conduct in society. A dynasty trust, however, might provide the financial independence and security that enable the development and exercise of personal autonomy. Personal autonomy is a necessary component of human dignity and moral decision-making.</p>]]></content:encoded> <wfw:commentRss>https://ckbidln.info/dynasty-trusts-guard-personal-autonomy-in-hierarchic-society/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Tax-Free Income Making More Sense in Global Financial Crisis</title> <link>https://ckbidln.info/tax-free-income-making-more-sense-in-global-financial-crisis</link> <comments>https://ckbidln.info/tax-free-income-making-more-sense-in-global-financial-crisis#comments</comments> <pubDate>Thu, 23 Mar 2023 05:37:28 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ckbidln.info/?p=36</guid> <description><![CDATA[Will tax rates be going up? What happens to retirement income when taxes increase? Currently, income tax and capital gains tax rates are at historically low levels. The US government debt is now $31+ trillion, with $170+ trillion unfunded liabilities. State and individual debt loads are similarly bad. How are various government entities going to [...]]]></description> <content:encoded><![CDATA[<p>Will tax rates be going up? What happens to retirement income when taxes increase?</p><p>Currently, income tax and capital gains tax rates are at historically low levels.</p><p>The US government debt is now $31+ trillion, with $170+ trillion unfunded liabilities. State and individual debt loads are similarly bad.</p><p>How are various government entities going to finance skyrocketing debts and deficits?</p><p>Well, of course, the US government could simply “print money” to finance its spending, as usual. (The 50 states are not allowed to print money, so their financing options are limited.)</p><p>Assuming, however, that the federal government does not abandon its fiscal habits, we can further assume that federal and state income tax rates will rise sharply in the future. [See Deficit Myth by Stephanie Kolten for a different, more sensible monetary approach.]</p><p>So, a strategy to reduce future taxation of retirement income probably makes financial sense.</p><p>Too many people have too much of their retirement savings in taxable investment accounts and pre-tax tax-deferred retirement plans (e.g., IRA, 401(k), 403(b) plans). Even though many people will be earning less income in retirement, it is likely that higher overall income-tax rates will erode retirement income. Furthermore, investment accounts and tax-deferred retirement plans that are heavily invested in the stock market are subject to the downside risks and market volatility, as 2022 markets have shown us.</p><p>SOLUTIONS</p><p>Solutions to get tax-free income: (1) Shift some assets from taxable investment accounts, CDs, money market accounts into indexed universal life insurance (IUL). (2) While tax rates are still low, pay taxes on current income and invest the post-tax amounts in Roth accounts or (even better) in IUL. (3) If you are 10 years or more away from retirement, start “rolling over” pre-tax retirement plans (e.g., IRA money) into post-tax Roth plans. (4) Transition assets into one or more asset-based tax-advantaged long-term care (LTC) policies, which provide tax-free LTC benefits. (5) Invest pre-tax earnings in a 401(h) medical savings account (the tax trifecta: contributions, growth and distributions are tax-free).</p><p>Caveat: If your employer offers matching contributions in a pre-tax 401(k), 403(b) or other tax-qualified retirement savings plan, then without a doubt contribute to the deferred-tax plan up to the maximum matching amount.</p><p>In a Roth conversion, funds from an IRA, 401(k) or other tax-deferred plan are “rolled over” into a Roth plan and taxes are paid on the converted amount. If conversion of a large account value is contemplated, since the converted amount is immediately taxed as income, it can be done over a number of years to avoid being catapulted into high tax brackets.</p><p>Simply reducing taxable income in retirement can bring benefits. Reducing taxable income lowers so-called “provisional income”, which determines taxation of social security income. Taxable income also influences “modified adjusted gross income” (MAGI), which determines the level of Medicare premiums. Thus, reducing taxable income not only saves taxes on that income, but also reduces taxation of Social Security benefits and reduces Medicare premiums.</p><p>Generally, as with pre-tax plans, a 10% penalty is paid on Roth-plan withdrawals before age 59½. Roth IRAs have no required minimum distributions (RMDs), but Roth 401(k) plans do have RMDs starting at age 72 (currently), just like standard pre-tax plans. Furthermore, when the owner of a Roth IRA or Roth 401(k) plan dies, the beneficiary is subject to RMDs.</p><p>So, is there a better way than a Roth account to include tax-free income in retirement and legacy planning? Yes. A properly-designed IUL policy (indexed universal life insurance) can provide benefits of tax-free growth and tax-free income similar to a Roth plan, while providing other important advantages that Roth plans lack.</p><p>For example, cash value in a IUL policy never goes down in a bear market. Although conventional retirement plans often allow investing in risk-free annuity policies, assets in both pre-tax standard plans and post-tax Roth plans are typically invested in equity stocks and are, therefore, subject to market risks, such as volatility and extreme downturns (e.g., the financial crises of 2000 and 2008, and 2022′s inflation and recession), or in conservative, low-return bonds. In contrast, IUL has a 0% floor, meaning its account values do not go backwards as a result of negative market returns. Yet, IUL grows in a positive market because its account values are linked to the percentage growth (but never the negative returns) of one or more market indices. Another major benefit of IUL is the leverage of the insurance death benefit, which is effective immediately upon policy purchase. For example, if the insured happens to die in year 1 of the policy year, the policy beneficiary receives a large insurance death benefit. In contrast, if you start saving in a standard pre-tax plan or in a post-tax Roth plan, and if you suddenly die in year 1, then your beneficiary receives your initial year-1 investment and its year-1 growth, that is, not much. Additionally, IUL typically includes so-called accelerated benefits (or living benefits), based on the death benefit, for an insured who is chronically, seriously or terminally ill. Also, IUL does not have RMDs. Finally, IUL (and life insurance generally) can be owned by an irrevocable trust for estate and legacy planning.</p><p>With a time horizon of 10-15 years or more, building wealth using IUL is almost always a good choice.</p><p>Visit Law Office of Thomas J Swenson to learn more about estate and legacy planning, wealth building and asset protection.</p><p>Copyright © 2022 Thomas Swenson</p><p>Disclaimer: This information is intended for educational use only.</p><p>No client or potential client should assume that any information presented or made available on or through this article or linked websites may be construed as personalized planning or advice. Personalized legal advice can only be rendered after engagement of the firm for services. Please contact Law Office of Thomas J Swenson for further information.</p>]]></content:encoded> <wfw:commentRss>https://ckbidln.info/tax-free-income-making-more-sense-in-global-financial-crisis/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:
Download the "valid RSS" banner.
Upload the image to your own server. (This step is important. Please do not link directly to the image on this server.)
Add this HTML to your page (change the image src attribute if necessary):
If you would like to create a text link instead, here is the URL you can use:
http://www.feedvalidator.org/check.cgi?url=https%3A//ckbidln.info/feed
