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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>ctyjhln.info</title> <atom:link href="http://ctyjhln.info/feed" rel="self" type="application/rss+xml" /> <link>https://ctyjhln.info</link> <description></description> <lastBuildDate>Sun, 05 Nov 2023 23:02:46 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Emini Trading Systems – Uses of Emini Futures Trading Systems</title> <link>https://ctyjhln.info/66</link> <comments>https://ctyjhln.info/66#comments</comments> <pubDate>Fri, 05 May 2023 13:13:49 +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://ctyjhln.info/?p=66</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 … <a href="https://ctyjhln.info/66">Continue reading <span class="meta-nav">→</span></a>]]></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><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://ctyjhln.info/66/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Financial Education Services Review</title> <link>https://ctyjhln.info/64</link> <comments>https://ctyjhln.info/64#comments</comments> <pubDate>Fri, 05 May 2023 10:57:47 +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://ctyjhln.info/?p=64</guid> <description><![CDATA[Financial Education Services also known as FES is headquarter in Farmington Hills, MI and has approximately 200 plus employees worldwide. The majority of the services offered by FES are proprietary products developed by FES. There are as well some partnerships … <a href="https://ctyjhln.info/64">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Financial Education Services also known as FES is headquarter in Farmington Hills, MI and has approximately 200 plus employees worldwide. The majority of the services offered by FES are proprietary products developed by FES. There are as well some partnerships most notably, LifeLock the number 1 provider of identity theft protection.The founders of this company, Mike Toloff and Parimal Naik come from a very successful background relating to the financial services industry and over the last 9 plus years have taken what was once an operation ran from a small back room in a shopping mall to a state of the art facility with representation across the countryFinancial Education Services ProductsToday’s market place demands products that will not only help consumers reenter the market place but as well help to educate them on important factors related to financial literacy that were never taught during formal educational years.It is this combination of products, service and education that has helped FES to become a powerhouse in the market place today and what separates them from there competition. When you educate your customer base you have a potential for not only referral business but as well retention of existing clients.Financial Education Services products consist of Credit Restoration, Positive Credit Building, Pre-Paid MasterCard, Wills and Trusts and the inclusive FES Protection Plan Membership that includes previous mentioned services along with DebtZero (Debt Pay-off System) and My Financial Lockbox.Financial Education Services Business ModelThe business model or distribution of these financial services is delivered through a network of independent distributors or what FES refers to as “Agents”. Agents are compensated for the sale of these products and also have the ability to build teams of agents and receive overrides and bonuses based on their team production.The business model is a form of MLM or as more commonly referred to as Network Marketing. The unique thing about the FES model as that agent’s can opt to simply sell the products and not participate in the team building aspect of the business although to maximizes the compensation plan you will want to participate in both sales of products as well as team building.Is Financial Education Services Right for YouWell let’s examine the facts; it is estimated that over 50 million Americans have less than a 599 credit score (Sub-Prime Credit), 90% of the population does not have a will and trust combination, the average consumer household debt is approximately 20K with no plan in place to pay it off and identity theft is the fastest growing crime in America. With that being said, it’s almost a certainty that most people know someone that can use the services that Financial Education Services provides.The most likely candidates for the FES business opportunity are professionals in the financial services industry such as mortgage brokers and Real Estate professionals. There has also been a recent surge in interest from the insurance industry.This opportunity just like any other home based business is great for anybody looking to enter the network marketing industry. There are no license requirements for the agents since FES is licensed and bonded in all 50 states including Puerto Rico.The bottom line is if you’re the type of persons that needs the services offered by FES, will to sharing products that can benefit others or enjoy working from home than the Financial Education Services opportunity could be right for you. </p>]]></content:encoded> <wfw:commentRss>https://ctyjhln.info/64/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Federal Loan Consolidation: Who Can Qualify and Why</title> <link>https://ctyjhln.info/62</link> <comments>https://ctyjhln.info/62#comments</comments> <pubDate>Thu, 04 May 2023 08:43:10 +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://ctyjhln.info/?p=62</guid> <description><![CDATA[There is a general belief that businesses and individuals who get financial aid through loans from their federal government have all the breaks that they need. But even when availing of these loans, it is possible to eventually find oneself … <a href="https://ctyjhln.info/62">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> There is a general belief that businesses and individuals who get financial aid through loans from their federal government have all the breaks that they need. But even when availing of these loans, it is possible to eventually find oneself under a crushing amount of debt. That is why federal loan consolidation programs have been introduced.The availability of these programs has proven to be a lifesaver for many people whose attempts to maintain a low debt ratio has failed. The advantages of getting loan approval on federal terms can be lost when such important aspects as income or revenue do not prove to be as high as was hoped.Often, the response is to take out further loans to cover other areas. But to properly deal with the weight so many federal loans can create, it is necessary to take extremely proactive steps. This is where consolidation can be so effective, buying out the balance on existing loans and replacing them with one simple-to-pay loan debt.Federal vs Private Consolidation ProgramsThere are some differences between privately provided and federally provided programs. These largely relate to the interest rates that are charged, with private lenders seeking to make their profits by charging higher rates. The funds provided through federal loan consolidation, however, typically charge much lower rates.Of course, getting loan approval tends to be much easier with federal programs, as long as the applicant ticks all of the necessary boxes. Qualifying is often quite straightforward with private loans, but approval rests on other matters. When seeking assistance from the federal government, all that is really needed is to prove a need for that assistance.A crucial factor in any application for such aid, however, is that only federal loans can be covered. Privately secured loans cannot be part of any federally sponsored rescue loan.Who Qualifies for Consolidation LoansQualifying for federal loan consolidation comes down to the type of loans that an individual or business owner is struggling with. Therefore, the first stage in seeking the green light on a consolidation program is having already been issued with federal funding of certain types. There are two categories: agriculture and business.For farmers and others involved in the agricultural industry, there are four loans that can ensure qualification for a consolidation program, though getting loan approval may depend on the extent of financial hardship. The qualifying loans are FSA issued Farm Loans, Commodity Marketing Loans to bolster production and sales, Ownership Loans to alleviate economic difficulties, and Farm Storage Loans to finance the construction of grain silos and barns.Businesses have a larger array of federal loans available to them, but there are five types that are covered by a consolidation program. These are any Small Business Loan (as per Section 7 of the Small Business Act), Disaster Loans from the Small Business Association, Indian Loans for Native Americans, Micro Loans for start-ups, and Physical Disaster Loans for businesses that have suffered physical (not just economic) damage in a disaster area.Qualifying CriteriaIt is easy to understand that federal loan consolidation exists to help businesses get out of financial hot water, and that it does not exist to provide a road out of debt for anyone. Various federal bodies offer excellent terms to applicants, so it is only those who have suffered real problems that can benefit from these programs – previously getting loan approval is not enough.The general grounds for federal loan acceptance is that natural or economic disasters have threatened a livelihood, or funds to finance essential facility upgrade work are not available because of a poor credit. These loans can add up, creating real difficulty, but a consolidation program help borrowers back onto their feet. </p>]]></content:encoded> <wfw:commentRss>https://ctyjhln.info/62/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Franchise Financing in Canada</title> <link>https://ctyjhln.info/60</link> <comments>https://ctyjhln.info/60#comments</comments> <pubDate>Thu, 04 May 2023 06:10:51 +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://ctyjhln.info/?p=60</guid> <description><![CDATA[Franchise financing in Canada has some major similarities to the U.S. market, but is different in some key respects. This article will explore some of those similarities and differences that we have observed in the marketplace. More and more entrepreneurs … <a href="https://ctyjhln.info/60">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Franchise financing in Canada has some major similarities to the U.S. market, but is different in some key respects. This article will explore some of those similarities and differences that we have observed in the marketplace. More and more entrepreneurs are of course looking at franchise financing for a combination of both employment and entry intro entrepreneurship under a reduced risk mode. That is to say that a proven franchise concept enhances chances of business success.The potential franchisee has chosen his business, and has hopefully prepared either on his own or with professional help a business plan that ultimately has two purposes: to successfully finance the venture, and secondly, to monitor long term progress against initial goals and projections and assumptions. The business plan, when properly done, will allow the financing requirement to ‘ fall out’ of the financials. That is to say that proper opening balance sheets and cash outlays will identify the total financing needed. The financials need to be specific in this area.In Canada the majority of franchise financing is done under the auspices of the CSBF loan program. This is the equivalent of what our friends in the U.S. call the SBA ADMINSTRATION. CSBF stands for CANADIAN SMALL BUSINESS FINANCING program, and is a federal government program under the auspices of Ottawa. The important point here is the government has allowed the Canadian chartered banks to ‘ administer ‘ the program. The government in effect ‘ guarantees’ the loan to the banks that participate in the program.Franchise loans under the CSBF program have excellent rates, terms, and structures. Typically these are 3% over prime rate, 5-7 year terms, and flexible payment and repayment schedules. In the current liquidity crisis and market turmoil re bank financing etc many banks have either altered their view of certain elements of franchise financing, or in some cases have pulled out directly from certain business segments that they view as too risky, or in which they carry too much exposure. The restaurant /hospitality industry is a good example. A vast majority of franchise financing is done for the Canadian restaurant and hospitality industry.Many business owners augment the CSBF franchise loans with HELOC’s. ( Home equity lines of credit ) These HELOC’s tend to backstop the funds put into the venture via the bank and government loan. Unfortunately many Canadian prospective franchisees have to tap into RRSP savings, which has some tax implications they should discuss with their advisor.Franchise financing in the current 2009/2010 environment requires a solid owner equity investment. In some cases this amount approximates 100%. That has the bank loaning you $ 100,000.00 under the CSBF program, and you committing $ 100,000.00 also. This examples of course assumes you need $ 200,000.00 for your venture in this instance. Opening balance sheets prepared by the owner or their advisor and consultant should reflect positive working capital ratios that meet the government program requirements.The CSBF loan program finances only certain asset classes, and owners should investigate or rely on their advisor or consultant as to what can be financed. Typically soft costs such as franchise fees are covered by the owner directly, and not financed. Franchise financing is more challenging today given that many lenders have either temporarily ( or permanently!) exited the marketplace. The franchisee should investigate all options thoroughly and understand what financing options are available and which options best suits their needs and personal financial situations. This can be done with proper due diligence or with an experienced advisor in the franchise financing industry. </p>]]></content:encoded> <wfw:commentRss>https://ctyjhln.info/60/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>A Guide to Help You Pick the Best Air Purifier for Your Loved Ones</title> <link>https://ctyjhln.info/36</link> <comments>https://ctyjhln.info/36#comments</comments> <pubDate>Sun, 13 Nov 2022 09:21:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Available]]></category> <category><![CDATA[Help]]></category> <category><![CDATA[price]]></category> <guid isPermaLink="false">http://ctyjhln.info/?p=36</guid> <description><![CDATA[Holidays are around the corner. This is the time of year when people start purchasing gifts for their loved ones. If you are going to purchase an air purifier for someone you love, we have some helpful tips for you. … <a href="https://ctyjhln.info/36">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>Holidays are around the corner. This is the time of year when people start purchasing gifts for their loved ones. If you are going to purchase an air purifier for someone you love, we have some helpful tips for you. If you want to purchase the best unit, you may be able to use this guide to your advantage. Read on to find out more.</p><p>1: Set Your Budget</p><p>Just like anything you purchase, make sure you have set your budget first. The price of the unit will vary based on a lot of factors, such as the capacity, filter type, features, and brand of the unit. If you don’t have a flexible budget, we suggest that you go for a product that is available to purchase for less than $300.</p><p>2: Consider the Needs of the Recipient</p><p>Your next move is to consider the needs of your recipient. If you are going to purchase this unit for everyday use, we suggest that you go for a unit that comes with a HEPA filter. On the other hand, if your loved one has a specific need, we suggest that you consider a specialized unit.</p><p>For example, if they are more prone to respiratory issues, such as allergies and infections, we suggest that you get a UV purifier for them. The devices are designed to neutralize viruses and bacteria.</p><p>3: Think About the Available Space</p><p>Another primary factor is to consider the available space in the office or house of the recipient. For example, if they need a general-purpose unit for a small apartment, you may want to consider a filterless unit.</p><p>On the other hand, if they have plenty of free space, you may consider a bigger unit that features a higher airflow rating. These units are powerful enough to cover a large face.</p><p>4: Consider Extra Features</p><p>Lastly, we suggest that you consider additional features that they will just love. For example, some units come with an indicator that turns on when the filter needs to be replaced. This will allow the user to change the filter so that the device continues to work properly.</p><p>So, you may want to consider these features before you place your order. These features may not be important to you, but your friend may just be over the moon.</p><p>Long story short, we suggest that you consider these four tips if you are going to purchase a gift for your loved one on these holidays. Since the air is full of pollution during winter days, nothing can make a better gift than an air purifier. Therefore, you should consider these tips before looking for an online or physical store to make your purchase decision.</p>]]></content:encoded> <wfw:commentRss>https://ctyjhln.info/36/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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