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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>cusnsln.info</title> <atom:link href="http://cusnsln.info/feed" rel="self" type="application/rss+xml" /> <link>https://cusnsln.info</link> <description>Just another WordPress site</description> <lastBuildDate>Wed, 13 Mar 2024 18:07:14 +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>Estate Taxes And Inheritance Planning</title> <link>https://cusnsln.info/estate-taxes-and-inheritance-planning</link> <comments>https://cusnsln.info/estate-taxes-and-inheritance-planning#comments</comments> <pubDate>Wed, 29 Nov 2023 13:19:46 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://cusnsln.info/?p=54</guid> <description><![CDATA[Understanding Estate Taxes Estate taxes are taxes imposed on the transfer of property after a person’s death. These taxes are usually paid by the estate of the deceased person before the remaining assets are distributed to the heirs. The estate tax rate and exemption amount vary from country to country, and it’s important to understand [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="Inheritance Tax Trust Planning Calver Wealth Management" src="https://i2.wp.com/calverwm.co.uk/wp-content/uploads/2020/05/tax-diagram.png" _mce_src="https://i2.wp.com/calverwm.co.uk/wp-content/uploads/2020/05/tax-diagram.png" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><p><head><meta charset="UTF-8"></head><body></p><h2>Understanding Estate Taxes</h2><p>Estate taxes are taxes imposed on the transfer of property after a person’s death. These taxes are usually paid by the estate of the deceased person before the remaining assets are distributed to the heirs. The estate tax rate and exemption amount vary from country to country, and it’s important to understand the regulations of your specific jurisdiction.</p><h2>Planning for Inheritance</h2><p>Proper planning can help minimize estate taxes and ensure smooth inheritance for your loved ones. One common strategy is to create a comprehensive estate plan that includes a will, trust, and other necessary legal documents. By doing so, you can control how your assets are distributed and potentially reduce the tax burden on your estate.</p><h3>Creating a Will</h3><p>A will is a legal document that outlines your wishes regarding the distribution of your assets after your death. It allows you to appoint an executor who will be responsible for carrying out your instructions. Without a will, the distribution of your assets will be determined by the state laws, which may not align with your desires.</p><h3>Establishing a Trust</h3><p>A trust is another effective tool for inheritance planning. It allows you to transfer your assets to a separate legal entity that will hold and distribute them according to your instructions. Trusts can help avoid probate, minimize taxes, and provide ongoing financial support for your beneficiaries.</p><h2>Minimizing Estate Taxes</h2><p>There are several strategies you can employ to minimize estate taxes. One common approach is gifting, which involves transferring assets to your heirs during your lifetime. By making annual gifts within the allowed exemption limits, you can reduce the size of your taxable estate. It’s important to consult with a financial advisor or estate planning attorney to understand the specific rules and limitations.</p><h3>Taking Advantage of Exemptions</h3><p>Each country has an exemption amount that allows a certain portion of an estate to be transferred tax-free. By structuring your estate plan to maximize the use of exemptions, you can reduce the overall tax liability. This may involve setting up trusts, making charitable contributions, or utilizing other tax-efficient strategies.</p><h3>Life Insurance and Irrevocable Trusts</h3><p>Life insurance can also be used as an effective estate planning tool. By setting up an irrevocable life insurance trust, the insurance proceeds can be kept outside of your taxable estate. This ensures that your loved ones receive the benefits without incurring estate taxes.</p><h2>Seeking Professional Advice</h2><p>Estate taxes and inheritance planning can be complex, and it’s crucial to seek professional advice to ensure your wishes are properly carried out. An experienced estate planning attorney or financial advisor can guide you through the process, help you understand the tax implications, and create a plan that aligns with your goals.</p><h2>Conclusion</h2><p>Estate taxes and inheritance planning are important considerations for anyone looking to protect their assets and provide for their loved ones. By understanding the regulations, creating a comprehensive plan, and seeking professional advice, you can ensure a smooth transition of wealth and minimize the tax burden on your estate.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://cusnsln.info/estate-taxes-and-inheritance-planning/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Retirement Account Types And Benefits</title> <link>https://cusnsln.info/retirement-account-types-and-benefits</link> <comments>https://cusnsln.info/retirement-account-types-and-benefits#comments</comments> <pubDate>Wed, 29 Nov 2023 13:16:56 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://cusnsln.info/?p=52</guid> <description><![CDATA[Introduction Planning for retirement is essential to ensure financial security and peace of mind in your golden years. One of the key aspects of retirement planning is understanding the various types of retirement accounts available to individuals. In this article, we will explore different retirement account types and their benefits. Traditional Individual Retirement Account (IRA) [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="Pin on Payroll Training" src="https://i.pinimg.com/originals/05/b4/99/05b499902ee0110560d73f32aeaafd7a.jpg" _mce_src="https://i.pinimg.com/originals/05/b4/99/05b499902ee0110560d73f32aeaafd7a.jpg" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><h2>Introduction</h2><p>Planning for retirement is essential to ensure financial security and peace of mind in your golden years. One of the key aspects of retirement planning is understanding the various types of retirement accounts available to individuals. In this article, we will explore different retirement account types and their benefits.</p><h2>Traditional Individual Retirement Account (IRA)</h2><p>A Traditional IRA is a tax-advantaged retirement account that allows individuals to contribute pre-tax income. The contributions grow tax-deferred until withdrawal during retirement. This type of account is suitable for those who expect their tax bracket to be lower in retirement.</p><h3>Benefits of Traditional IRA</h3><p>1. Tax Deductions: Contributions to a Traditional IRA may be tax-deductible, reducing your taxable income for the year.</p><p>2. Tax-Deferred Growth: The earnings on your investments within the account are not taxed until withdrawal, allowing for potential compounding growth.</p><p>3. Flexibility: Traditional IRAs offer a wide range of investment options, including stocks, bonds, mutual funds, and more.</p><h2>Roth Individual Retirement Account (IRA)</h2><p>A Roth IRA is another type of retirement account that offers tax advantages. Unlike a Traditional IRA, contributions to a Roth IRA are made with after-tax income. However, withdrawals during retirement are tax-free.</p><h3>Benefits of Roth IRA</h3><p>1. Tax-Free Withdrawals: Qualified withdrawals from a Roth IRA are entirely tax-free, providing tax-free income during retirement.</p><p>2. No Required Minimum Distributions (RMDs): Unlike Traditional IRAs, Roth IRAs do not have required minimum distributions, allowing for more flexibility in managing your retirement funds.</p><p>3. Potential Estate Planning Benefits: Roth IRAs can be passed on to beneficiaries, who can continue tax-free withdrawals, creating a legacy for future generations.</p><h2>401(k) Retirement Plan</h2><p>A 401(k) retirement plan is an employer-sponsored retirement account that allows employees to contribute a portion of their salary to the plan. Employers may also match a certain percentage of the employee’s contributions.</p><h3>Benefits of 401(k) Retirement Plan</h3><p>1. Employer Match: Many employers offer a matching contribution, which is essentially free money added to your retirement savings.</p><p>2. Higher Contribution Limits: 401(k) plans have higher contribution limits compared to IRAs, allowing individuals to save more for retirement.</p><p>3. Tax-Deferred Growth: Similar to Traditional IRAs, 401(k) plans offer tax-deferred growth, maximizing the potential for investment returns.</p><h2>Simplified Employee Pension (SEP) IRA</h2><p>A SEP IRA is a retirement plan suitable for self-employed individuals or small business owners. It allows for tax-deductible contributions and tax-deferred growth, similar to Traditional IRAs.</p><h3>Benefits of SEP IRA</h3><p>1. High Contribution Limits: SEP IRAs allow for higher contribution limits compared to Traditional IRAs, enabling self-employed individuals to save more for retirement.</p><p>2. Easy to Establish and Maintain: SEP IRAs have minimal administrative requirements, making them a convenient choice for small business owners.</p><p>3. Tax Advantages: Contributions to a SEP IRA are tax-deductible, reducing the individual’s taxable income for the year.</p><h2>Conclusion</h2><p>Understanding the different retirement account types and their benefits is crucial for effective retirement planning. Whether you opt for a Traditional IRA, Roth IRA, 401(k) plan, or SEP IRA, each account offers unique advantages that can help you achieve your retirement goals. Consult with a financial advisor to determine the best retirement account option based on your individual circumstances and objectives.</p>]]></content:encoded> <wfw:commentRss>https://cusnsln.info/retirement-account-types-and-benefits/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Retirement Planning And Savings Options</title> <link>https://cusnsln.info/retirement-planning-and-savings-options</link> <comments>https://cusnsln.info/retirement-planning-and-savings-options#comments</comments> <pubDate>Wed, 29 Nov 2023 13:09:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://cusnsln.info/?p=49</guid> <description><![CDATA[Introduction Retirement planning is essential to ensure financial security in later years. It involves creating a strategy to accumulate enough savings to support a comfortable lifestyle after retirement. In this article, we will explore various retirement planning options available in 2023 and how they can help individuals achieve their retirement goals. Understanding Retirement Planning Retirement [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="Infographic 8 Retirement tips that will ensure a comfortable retirement" src="https://i2.wp.com/www.sensefinancial.com/wp-content/uploads/2016/12/RetirementTips-1.png?x59460" _mce_src="https://i2.wp.com/www.sensefinancial.com/wp-content/uploads/2016/12/RetirementTips-1.png?x59460" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><h2>Introduction</h2><p>Retirement planning is essential to ensure financial security in later years. It involves creating a strategy to accumulate enough savings to support a comfortable lifestyle after retirement. In this article, we will explore various retirement planning options available in 2023 and how they can help individuals achieve their retirement goals.</p><h2>Understanding Retirement Planning</h2><p>Retirement planning involves determining the desired retirement age, estimating future expenses, and identifying potential sources of income. It is crucial to start planning early to take advantage of the power of compounding and maximize savings.</p><h3>1. Employer-Sponsored Retirement Plans</h3><p>Many employers offer retirement plans such as 401(k) or pension plans. These plans allow employees to contribute a portion of their salary towards retirement savings, often with a matching contribution from the employer. It is wise to take full advantage of these plans as they provide tax advantages and potential growth of investments over time.</p><h3>2. Individual Retirement Accounts (IRAs)</h3><p>IRAs are personal retirement accounts that individuals can open independently. Traditional IRAs allow tax-deductible contributions, while Roth IRAs offer tax-free withdrawals in retirement. Both types of IRAs offer investment options, including stocks, bonds, and mutual funds, allowing individuals to grow their savings over time.</p><h3>3. Social Security Benefits</h3><p>Social Security benefits are a government program that provides retirement income to eligible individuals. The amount received depends on factors such as work history and age. It is advisable to understand the eligibility criteria and estimate the potential benefits to incorporate them into retirement planning.</p><h3>4. Investment in Real Estate</h3><p>Investing in real estate can be a viable retirement planning option. Rental properties or real estate investment trusts (REITs) can generate passive income during retirement. However, it is crucial to research and understand the real estate market and associated risks before making any investment decisions.</p><h3>5. Annuities</h3><p>Annuities are financial products that provide a steady stream of income in retirement. They are typically purchased through insurance companies and offer options such as fixed or variable annuities. Annuities can provide a guaranteed income source, but it is essential to carefully consider the terms and fees associated with these products.</p><h3>6. Health Savings Accounts (HSAs)</h3><p>HSAs are tax-advantaged savings accounts designed to cover medical expenses. However, they can also serve as a retirement savings tool. Contributions to HSAs are tax-deductible, and withdrawals for qualified medical expenses are tax-free. Any unused funds can be invested and grow over time, providing additional savings for retirement.</p><h3>7. Diversified Investment Portfolio</h3><p>Building a diversified investment portfolio is crucial for long-term retirement planning. Investing in a mix of stocks, bonds, and other assets can help individuals mitigate risks and potentially earn higher returns. It is advisable to seek professional advice or use robo-advisors to create a well-balanced portfolio based on individual risk tolerance and financial goals.</p><h3>8. Long-Term Care Insurance</h3><p>Long-term care insurance can protect individuals from the high costs associated with long-term care services, such as nursing homes or in-home care. Including long-term care insurance in retirement planning can help preserve retirement savings and ensure financial stability in case of unexpected health issues.</p><h3>9. Continuing Education and Part-Time Work</h3><p>Retirement does not always mean complete withdrawal from the workforce. Continuing education or part-time work can provide additional income and keep individuals mentally and socially engaged. It is crucial to explore opportunities that align with personal interests and skills while considering the impact on retirement savings.</p><h3>10. Regular Review and Adjustments</h3><p>Lastly, it is essential to regularly review and adjust retirement plans based on changing circumstances, goals, and market conditions. Life events, such as marriage, children, or unexpected expenses, may require modifications to the retirement strategy. Consulting with financial advisors can provide valuable insights and guidance during these reviews.</p><h2>Conclusion</h2><p>Retirement planning is a lifelong process that requires careful consideration and regular adjustments. By exploring various retirement planning options, individuals can create a comprehensive strategy to secure their financial future and enjoy a comfortable retirement lifestyle.</p>]]></content:encoded> <wfw:commentRss>https://cusnsln.info/retirement-planning-and-savings-options/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Commercial Loan Work Outs: 5 Points Business Owners Should Consider When Negotiating With Their Bank</title> <link>https://cusnsln.info/commercial-loan-work-outs-5-points-business-owners-should-consider-when-negotiating-with-their-bank</link> <comments>https://cusnsln.info/commercial-loan-work-outs-5-points-business-owners-should-consider-when-negotiating-with-their-bank#comments</comments> <pubDate>Thu, 06 Apr 2023 19:25:36 +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://cusnsln.info/?p=44</guid> <description><![CDATA[Over the next few years a substantial number of commercial loans will mature nationwide. “Maturity” means that the outstanding loan balance is due according to the terms of the loan agreement. Simply, the bank wants, no… expects, to paid in full. Failure to do so may result in legal action. It could mean a foreclosure [...]]]></description> <content:encoded><![CDATA[<p> Over the next few years a substantial number of commercial loans will mature nationwide. “Maturity” means that the outstanding loan balance is due according to the terms of the loan agreement. Simply, the bank wants, no… expects, to paid in full. Failure to do so may result in legal action. It could mean a foreclosure on your building, or a law suit on the promissory note or if one’s lucky, a forbearance or “work out” agreement. Such agreements have terms that vary case by case, but the main essence of the agreement is for the bank to ensure it will get its money back.In response to bank demands, some business owners will enter into new loan negotiations without the benefit of good counsel. Many because they do not think about it until it’s too late, and others because they think they are smart enough to negotiate a new transaction on their own.Here are five points to consider when negotiating a commercial loan workout with one’s bank:1. Your banker is not your friend.This seems fairly obvious, but when borrowers are in default, (a matured loan without payback of the loan balance is considered a default) that smiling individual loan officer who arranged the business loan years ago, is either no longer with the bank, or has been relegated to the position of “loan work out officer”. In other words, they are merely collector. They represent the bank’s interest. Not yours. Do not provide any documentation to your lender that you don’t want to be used against you in the future.2. Never sign anything with the bank that you do not understand.What may appear to be a simple document or form may contain language and terms in it that can substantially affect your rights. At times, troubled clients have found temporary relief from bank collection efforts by signing a loan extension. What they don’t realize is that there is language (usually in small text) that causes them to waive all of their legal defenses against the bank in consideration for an extension of time. It happens a lot. So signing an extension for a mere 90 or 120 days, gives the bank protection against a defense or lawsuit that the borrower may have had prior to endorsing the extension.3. Gain Leverage.Unless a business owner is well schooled in lending and banking compliance, then they don’t now about the various material compliance errors that may give them leverage against a bank. Professional compliance officers and attorneys take years to learn the regulations. Lending regulations are so expansive that the possibility of sub par loan documentation is high. In my experience, the smaller the lending institution the greater likelihood of errors. (these banks tended to use lawyers to document the loans less frequently). On another note: the banks have their lawyers, so why would anyone negotiate a complicated contract without one?4. Stop listening to the chatter.In brief, while a cousin’s friend’s uncle’s brother may have resolved a loan matter, it is highly unlikely that it shares another loan’s fact pattern. There are just so many different variables: property types, corporate structures, the respective party’s personalities, bank financial positions. Different goals, terms, and objectives. Problematic loans and their fact patterns are unique unto themselves and their solutions usually evolve over time. Listening to “chatter” only creates more confusion and anxiety.5. Secure the best professional for assistance.Bank commercial loan work out agents are most often experienced negotiators. They work on problem business loans every day. It’s their job. It’s what they do best. Otherwise they wouldn’t be there. It is not possible for a business owner to maintain a successful business operation and somehow navigate the subtle nuances of negotiating the best strategy and terms for a reasonable forbearance agreement.Whether you owe five, six or even seven digits, it is worth seeking professional assistance. A real estate broker, former bank loan officer, or a relative, is not the same as a trained and skilled attorney as an expert in this field: just as a residential real estate agent is not the same as a commercial real estate agent. Nor does a bankruptcy attorney have the same skill set as a real estate attorney. Sure there is some overlap, but the point is to seek out a professional who can verify past successes when negotiating with the bank for a reasonable loan work out agreement, and a favorable outcome. </p>]]></content:encoded> <wfw:commentRss>https://cusnsln.info/commercial-loan-work-outs-5-points-business-owners-should-consider-when-negotiating-with-their-bank/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>House Plants for Home Interior Designing</title> <link>https://cusnsln.info/house-plants-for-home-interior-designing</link> <comments>https://cusnsln.info/house-plants-for-home-interior-designing#comments</comments> <pubDate>Thu, 06 Apr 2023 17:01:07 +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://cusnsln.info/?p=42</guid> <description><![CDATA[One easy and fun way to interior design your home is by caring for houseplants. Never think that interior designing a home is restricted to painting, changing your fixtures and fittings, or buying more furniture. Plants, whether big or small, tropical or from temperate climates, can add charisma to an otherwise dull and boring area [...]]]></description> <content:encoded><![CDATA[<p> One easy and fun way to interior design your home is by caring for houseplants. Never think that interior designing a home is restricted to painting, changing your fixtures and fittings, or buying more furniture. Plants, whether big or small, tropical or from temperate climates, can add charisma to an otherwise dull and boring area of the house.Houseplants are great for decorating ideas as they can be placed anywhere in your home – whether the bedroom, living room, bathroom or kitchen. The needs of houseplants are quite basic – light, water and nutrition (good soil and fertilizer composition).You can purchase houseplants at your local plant supplies, plant nurseries or just collect small plants you have in your own garden. Before buying any plants, do research on the plants you’d like to have in your home and study the layout of your rooms to ensure that you have enough space to accommodate a new plant or plants.Plants that are suitable in your home include daffodils, hyacinth, orchids, ferns, begonias, bonsais and other indoor plants that do not require much direct sunlight and can thrive well in an enclosed environment. Descriptions of plants suitable for the home can be found on labels on the plant pots that are sold. If you are uncertain, do ask the plant supplier.Interior designing with houseplants include selecting the right plant for a particular room, choosing the container (pots, vases, glass jars) to put the plants in and arranging the plants to suit a room’s style.Before selecting a container for your plants, do note that the roots require ample space to grow. Big plants, like tropical palms, should be placed in big plant pots, with enough width and depth to support the roots and plant. What you don’t want is your exotic palm tree toppling over onto your Persian rug!When choosing a houseplant for your decorating needs, please determine who will be the occupants of a room and what activities will be conducted there. Prickly cactus plants will not be suitable for children’s rooms and as such would have to be placed on a table or in a higher position where curious little fingers will not touch them.Ensure that plants you choose are not poisonous as young children may play with leaves and flowers and eat them! Ask your local plant supplier or gardener whether a plant is hazardous for human consumption or touch and do read up on the plants you have, including what to do in case of emergency (if a poisonous plant was accidentally consumed).Keep your houseplants away from pets as some pets, like rabbits and hamsters, will nimble onto the leaves and your dog or cat will dig the soil from your pots! Place your plants in a room where your pets can’t get to them or train your dog not to disturb your plant arrangements.Plants, especially flowering ones, wilt easily in hot areas such as near a stove or heater. It’s best to place your pots near windows. Good humidity and sunlight are essential for the well-being of your plant.Take care of your houseplants by ensuring that they get enough water, sunlight and soil nutrients (fertilizers). Most plants grow well in temperatures of 15 degrees Celsius to 25 degrees Celsius. Try to maintain a constant room temperature and avoid sudden temperature variations where your plants are kept.Please note that having plants in the home tend to attract insects and bugs, especially during the summer months; so do exercise good pest control. If a plant looks like a pest or a disease has infected it, quarantine that plant and its pot away from the healthier plants. A very sick plant may have to be thrown away. You can ask your local gardener and plant supplier for more information on pest control and caring plants against common pests and diseases.You may plan the decorating arrangements of your houseplants in several ways. You may want to place one single large plant in your living room, or have a variety of medium-sized plants in a corner arrangement near your hallway. Whatever style you wish to do depends on the overall look of the room you’re redesigning.Big potted plants can be directly placed onto the floor whereas small plants can complement a dining room setting. Plants with bright flowers can be placed in a study or a bathroom to make things livelier. Big leafy green plants give more oxygen to a room and can be suitable for a bedroom to create a relaxing environment.Home interior designing with houseplants should be fun and not a chore! If you are relatively new to the idea, try out simple, small plant arrangements and decorate with plants that are easy to take care of such as ferns and cactus. At the end of the day, you want a design that is not only refreshing to the eyes but is great for your health too. </p>]]></content:encoded> <wfw:commentRss>https://cusnsln.info/house-plants-for-home-interior-designing/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Modern Significance of Hawthorne’s Suspicion of Science</title> <link>https://cusnsln.info/the-modern-significance-of-hawthornes-suspicion-of-science</link> <comments>https://cusnsln.info/the-modern-significance-of-hawthornes-suspicion-of-science#comments</comments> <pubDate>Sat, 01 Apr 2023 19:25:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Natural Physical Science]]></category> <guid isPermaLink="false">http://cusnsln.info/?p=40</guid> <description><![CDATA[Many of Hawthorne’s characters are burdened by inner conflicts which are never resolved into a tidy resolution. “The Birthmark”, however, has a more clearly defined moral than some of Hawthorne’s other work. The social significance of this story that was written over 150 years ago endures into our modern era with alarming clarity. An obsession [...]]]></description> <content:encoded><![CDATA[<p> Many of Hawthorne’s characters are burdened by inner conflicts which are never resolved into a tidy resolution. “The Birthmark”, however, has a more clearly defined moral than some of Hawthorne’s other work. The social significance of this story that was written over 150 years ago endures into our modern era with alarming clarity. An obsession with physical perfection and the battle between scientific progress and human morality are paramount in the minds of many in today’s society. This article will explore two primary points: first, it will focus on how “The Birthmark” compares to some of Hawthorne’s other work with similar themes; next, it will weave these themes together to show how his work explores these issues in haunting detail and could serve well as a mirror to modern-day values.Hawthorne’s mistrust of science is evident in the “mad scientist” motif employed in many of his tales. In “The Birthmark”, Aylmer is a megalomaniacal scientist who thinks himself omnipotent: “No king on his guarded throne could keep his life if I, in my private station, should deem that the welfare of millions justified me in depriving him of it”. In “Rappaccini’s Daughter”, Dr. Rappaccini is a “mad scientist” conducting experiments on his daughter which involve poisonous plants. And in “Dr. Heidegger’s Experiment”, the protagonist experiments with a fountain of youth elixir on his friends. Although Heidegger’s results aren’t fatal, as in the other two stories, they are, indeed, dismal and are no less subject to ethical criticism.To put the theme of “The Birthmark” into a modern perspective, we need only to reiterate that the pursuit of physical perfection and the willingness to go to any lengths to get it is one of the grand themes of modern-day thinking. Georgianna’s birthmark symbolizes her liability to sin, sorrow, decay, and death and she is willing to forego the danger involved to have it removed: “There is but one danger-that this horrible stigma shall be left upon my cheek… Remove it, remove it, whatever be the cost”. We need only recall the Phen-fen and Redux debacle of a few years ago and reflect on the present “perfection” techniques now being widely used such as breast implants, liposuction, and scores of other dubiously “safe” cosmetic surgery procedures to see that the mindset of Aylmer and Georgianna is still quite relevant today. While it is true that Georgianna did not appear to have an issue with her birthmark until Aylmer made it an issue, it must be stated that the influence of family and peers plays a significant role in the way people think about themselves and in their decision making. Let us compare the response of Georgianna to that of a modern woman who is contemplating plastic surgery. Author Kathy Davis takes us into the examining room of a health insurance agency on the morning for applicants who are seeking coverage for cosmetic surgery:I have no idea what to expect as the patient enters the room. She is a slender, pretty woman in her early twenties who looks a bit like Nastassia Kinski… Hunched forward and with eyes cast downward, she begins to explain that she is “unhappy with what she has”. “I know I shouldn’t [compare] myself to other women”, she whispers, “but I just can’t help it.”The Aylmers of today are the plastic surgeons and drug-peddling physicians who feed the unrealistic notion that a woman’s body is unacceptable unless it appears to be a jackpot winner in the “genetic lottery”. Despite the changes in cultural beauty ideals over time, one feature remains constant according to Davis; namely, that beauty is worth spending time, money, pain, and perhaps even life itself. The hand-shaped birthmark which pervaded the world of Georgianna and Aylmer also has an obsessive vice-like grip on our century-it is squeezing the life out of some, and the humanity out of others. As H. Bruce Franklin points out, “The Birthmark” is both an intricately wrought science fiction and a commentary of what Hawthorne saw as the fiction of science.”Rappaccini’s Daughter” is another tale which explores research gone amok as the doctor has created a daughter who lives in a poisonous garden and is poisonous herself. Like Aylmer, Rappaccini sees himself as God-like. This argument is advanced by Franklin’s interpretation of the basic allegory in the tale: “Rappaccini, creator of the [poisonous Eden], in trying to be God exposes his daughter, the Adam of this inverted Eden, to a modern snake in the grass, Baglioni, who persuades the Eve-like Giovanni to introduce the fatal food into the learned fool’s paradise”. Rappaccini’s delusions of grandeur are apparent as he attempts to justify his experiment to his dying daughter: “Dost thou deem it misery to be endowed with marvellous gifts… Misery to be able to quell the mightiest with a breath? Misery, to be as terrible as thou art beautiful”. This air of omnipotence is nowhere more evident than in the physicians today whose life-prolonging machinery allows them to literally decide life and death. And we, of course, cannot forget the good Dr. Kevorkian and the euthanasia issue which has turned into a battle of rhetoric that theologians and scientists will probably never agree on. Aylmer and Rappaccini can best be likened by making a comparison of Georgianna and Beatrice. In his critical response to the stories, Madison Jones observes: “Both women die as the consequence of attempts, devised by human science, to purge their natures”. With both tales, Hawthorne sets human morality and science on a collision course that has not altered its path into the present day.”Dr. Heidegger’s Experiment” introduces a scientist who shares Aylmer’s confidence that he can reverse natural processes with the same result: bad science putting others at risk. At first glance, Heidegger seems more playful and less dangerous than Aylmer and Rappaccini: “My dear old friends… I am desirous of your assistance in one of those little experiments with which I amuse myself in my study”. But according to Madison Jones, our response to his virtues does not make him any less diabolical. Heidegger’s attempt to manipulate nature by granting eternal youth might be paralleled to today’s issues of genetic engineering and cloning. Both are attempts to manipulate the natural order of things. The dichotomy of Hawthorne’s time and ours can be merged when we consider an issue such as cloning. Dr. Bruce Donald of the Church of Scotland offers: “Faced with such a fertile prospect, the human imagination runs riot… we might clone humans to select out genetic defects or select for desirable traits (Donald). Some would argue that this is a good thing but Donald contends that the motives proposed turn out to be for the benefit of the person who wants the cloning done, not for the person so produced. This sounds remarkably close to Dr. Heidegger’s motives, because we have evidence to support that he created the elixir “for his own amusement” rather than chiefly for the benefit of his friends. With these three tales, Hawthorne extends his list of scientific grievances.While these three stories offer immediate insight into modern concerns, other Hawthorne tales do the same although they may not be quite so straightforward. “Ethan Brand” presents another scientist whose pride leads him astray. In this story, Hawthorne creates a model of self-destructive perfectionism; Brand ruins himself as surely as Aylmer kills Georgianna (Bunge 30-32). In “The Artist of the Beautiful” Owen tries to make machinery look natural, but his art, like Aylmer’s science, is a hopeless attempt to evade reality. And “The Prophetic Pictures” introduces us to a painter who thinks he can predict the future, and thus, control time. He has a madness not unlike Aylmer’s and with similar consequences. The modern significance of all these stories can be tidily summed up with one observation by Richard Harter Fogle: “Man’s chief temptation is to forget his limits and complexities…”Hawthorne’s foresight into the future was quite remarkable. Although his work is dated, the ethical questions which he raises remain valid today. Georgianna’s absorption of Aylmer’s obsession can be likened to today’s women jumping on the bandwagon of fad diets and questionable cosmetic procedures. On another point, Hawthorne’s suspicion of science seems a little less unreasonable now that it might have in his day when we consider our capacity to destroy the planet with nuclear weapons. Fogle comments that while Hawthorne’s conception of science has generally been considered old-fashioned by his critics, the joke would seem to have turned against them with the growth of modern science and technology. Aylmer, Rappaccini, and Heidegger all represent the claims of modern science, from the miracle diet pills, cosmetic surgeries, and anti-aging creams and potions, to Minoxidil, to Viagra which allows the “soldier”on permanent KP duty to finally issue a sharp military salute. Some of our “miracle” science appears to work, but some has dire consequences.Finally, we have examined how Hawthorne’s themes form a common bond to modern-day practical and ethical questions. Hawthorne, himself, had an obsession with his ancestral past, so it is ironic that he produced work that would prove to be a prelude to the future. Hawthorne wants us to see that “human perfection” is an oxymoron. On this point, Fogle notes that Aylmer’s tragic flaw is failing to see the tragic flaw in humanity. Hawthorne’s “mad scientists” cannot come to terms with the fact that humanity and imperfection are inseparable. But still today, we are no less apt to buy into the rantings of our own mad scientists and snake oil salesmen on late night infomercials who infest our society and promise us perfection. Madison Jones sums up the foresight of Hawthorne supremely: “Like many a reformer in our day, Aylmer would have human nature reconstituted or else not at all. Hawthorne, if unconsciously, was looking well ahead. But genius has always been at least one part prophecy”. Hawthorne’s moral makes a plea to us to accept our own imperfections. This moral can be expressed through a quote from-of all people-David Letterman. In an interview that I remember from a few years ago, Letterman was asked by an actress what he would change about his physical appearance if he could. Letterman’s reply was, “Well, I wouldn’t change anything. I figure, these are the cards I was dealt-what the hell- I’ll play ‘em”. Hawthorne would have probably liked Letterman. </p>]]></content:encoded> <wfw:commentRss>https://cusnsln.info/the-modern-significance-of-hawthornes-suspicion-of-science/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>UK Debt Consolidation – Helps You Forget Debts Like Last Night’s Dream</title> <link>https://cusnsln.info/uk-debt-consolidation-helps-you-forget-debts-like-last-nights-dream</link> <comments>https://cusnsln.info/uk-debt-consolidation-helps-you-forget-debts-like-last-nights-dream#comments</comments> <pubDate>Sat, 01 Apr 2023 08:25:06 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Debt Consolidation]]></category> <guid isPermaLink="false">http://cusnsln.info/?p=38</guid> <description><![CDATA[Debt consolidation is the name given to a very popular process of debt settlement in the UK. Debtors didn’t have lesser choices before the conception of debt consolidation techniques, for settling their debt load. Debt consolidation however allowed them to settle debts under the guidance of experts- that is what the debt settlement agencies refer [...]]]></description> <content:encoded><![CDATA[<p> Debt consolidation is the name given to a very popular process of debt settlement in the UK. Debtors didn’t have lesser choices before the conception of debt consolidation techniques, for settling their debt load. Debt consolidation however allowed them to settle debts under the guidance of experts- that is what the debt settlement agencies refer themselves to. Several years of experience has made them adept at designing debt solutions for the debtors. They can easily decipher the effectiveness of debt solution from the kind of debts that the individual has incurred.UK Debt consolidation gets its name from a sub-process involved in the debt settlement. During this stage the borrower (debtor) is required to list all debts on a piece of paper. There is no pre-stated format in which this needs to be done. Borrowers are free to use the method that suits them most. It will be better if debts are categorised. One look at the list shows the category of debts holds a prominent place. The process of debt consolidation allows the debt settlement agencies to immediately get to the work of debt elimination.Debt consolidation is a part of debt settlement, constituting the initial stages of the process. The stage holds a place of prominence in the entire scheme of things. The task of remembering debts owed to each creditor is an arduous task. Debt consolidation too requires borrower to remember debts, but in a more systematic manner. The fear of debts being left behind and swelling further with interest is dismissed through the use of debt consolidation.The actual process of debt settlement starts only after debt consolidation loan or debt consolidation mortgage starts functioning. Debt consolidation loan and debt consolidation mortgage constitute the debt management techniques commonly used in the UK. Each has its own set of advantages and disadvantages. A consideration of these advantages and disadvantages will form the basis for selection of appropriate debt management techniques.debt consolidation [http://www.chanceforloans.co.uk/uk_debt_conso_mort.html] loan is a regular loan moulded to cater to the debt-ridden residents of the UK. Loan is borrowed in order to settle debts. Though secured debt consolidation loan is preferred largely, there are many borrowers who would opt for the unsecured version. There is a need for collateral in secured debt consolidation loan. Several assets like stocks and shares and automobiles form collateral for the purpose. Unsecured debt consolidation loans however, free the borrower of the need to offer collateral. The increase in risk, brought about as a result of no collateral, is compensated through a strictness of terms. Consequently, APR on an unsecured debt consolidation loan is higher than on secured debt consolidation loan.Debt consolidation mortgage adds debts to an existing mortgage. Though on the face of things it appears that you are paying for a mortgage, you are actually paying for your debts. The mortgagee, in exchange of promise to repay through regular installments, disburses off debts of borrower.Help through negotiation is other important help provided by debt consolidation agencies. Though the facility is optional, no borrower would like to lose on the opportunity of having debt consolidation agencies by their side. The debt settlement agencies would represent the borrower, minimising contact between the debtor and creditor. Debt consolidation agencies in UK adopt several methods to bring down the repayable amount. Greater advantage lies with the borrower if the amount of debts to repay is lesser.Supervision needs to be carried out on the manner of functioning of the debt consolidation agency. Since the debtor himself best knows his finances, he can provide valuable directions to the debt consolidation agency. The borrower also has to confirm through proper checks and comparisons that the loan or mortgage offered to them is the best that they could have availed through any other lender with a similar set of circumstances. </p>]]></content:encoded> <wfw:commentRss>https://cusnsln.info/uk-debt-consolidation-helps-you-forget-debts-like-last-nights-dream/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Critical ‘Must Haves’ When Starting A Small Business</title> <link>https://cusnsln.info/critical-must-haves-when-starting-a-small-business</link> <comments>https://cusnsln.info/critical-must-haves-when-starting-a-small-business#comments</comments> <pubDate>Fri, 31 Mar 2023 22:12:15 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Business]]></category> <guid isPermaLink="false">http://cusnsln.info/?p=35</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://cusnsln.info/critical-must-haves-when-starting-a-small-business/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>5 Empowering Tracks From Female Icons To Make You Feel Inspired</title> <link>https://cusnsln.info/5-empowering-tracks-from-female-icons-to-make-you-feel-inspired</link> <comments>https://cusnsln.info/5-empowering-tracks-from-female-icons-to-make-you-feel-inspired#comments</comments> <pubDate>Wed, 14 Sep 2022 09:34:51 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[cleaning]]></category> <category><![CDATA[driving]]></category> <guid isPermaLink="false">http://cusnsln.info/?p=33</guid> <description><![CDATA[Sometimes we all need a little lift. Whether you’ve had a recent knock to your confidence, have been going through stress in your personal or professional life, or have always struggled with your self-esteem, music is an essential tool for lifting your spirits and making you feel better about yourself. According to a study by [...]]]></description> <content:encoded><![CDATA[<p>Sometimes we all need a little lift. Whether you’ve had a recent knock to your confidence, have been going through stress in your personal or professional life, or have always struggled with your self-esteem, music is an essential tool for lifting your spirits and making you feel better about yourself.</p><p>According to a study by Heriot-Watt University, the type of music you listen to not only influences your mood, but also your personality, with indie and rock/heavy metal fans reporting the lowest levels of self-esteem, while fans of jazz, blues, opera, classical, pop, rap and soul all reported high levels of self-confidence.</p><p>So if you’re having a ‘down day’, why not boost your spirits by listening to some powerful, uplifting tracks? Here are five perfect confidence boosters.</p><p> Britney Spears – Toxic</p><p>Britney’s own struggles with her mental health and conservatorship have made her an inspiration for many people across the world.</p><p>This classic song is timelessly sensual, and the heavy beats throughout make it impossible not to dance to. A welcome blast of nostalgia, this tune has filled dance floors across the globe with fans old and new.</p><p>The video features Britney as a female spy playing the sexy flight attendant, seducing her passenger before she makes her escape on a motorbike and breaks into a high-security facility guarded by a laser security system.</p><p>This track and video is a guaranteed way to feel invincible, and deserves a place on your playlist no matter your mood.</p><p> Kelis – Milkshake</p><p>A cheesy classic that is guaranteed to make you feel all warm and gooey inside, Kelis pumps up the heat in this 00’s RnB track. Underpinned by intricate drum beats and electric elements, Kelis’ self-confidence is infectious, and it’s hard not to find yourself smiling at the lyrics.</p><p>This track is a great way to get into a flirtatious mindset, making it a great choice before going on a date or heading out for the evening.</p><p>And if you’re staying in? It’s a great mood lift. But beware! You may find yourself craving a sweet treat.</p><p> Eve (ft. Gwen Stefani) – Let Me Blow Your Mind</p><p>This RnB classic will capture your attention with its assertive rhythm and powerful vocals from 00’s icons Eve and Gwen Stefani. Featuring a laid-back – yet self-assured – beat, and catchy guitar riff, this is a great track for driving, and its empowering feel is sure to help you feel motivated.</p><p>Got a job interview lined up, or thinking of asking for a raise? This anthemic number is a quick way to feel positive and more assertive.</p><p>The video features Eve and Gwen Stefani crashing an exclusive event on quad bikes, causing a stir among the privileged attendants, and shoving the performer off stage to perform their own music, before finally being arrested and taken to the station in a police van.</p><p>This ‘baddie’ track helps you to tap into the hidden ‘bold’ side of your personality, and lifts your mood while keeping you feeling calm and cool.</p><p> Fergie – MILF$</p><p>If you have kids, it can be difficult to feel sexy. When you’re running around cleaning the house, changing nappies, or up to your elbows in dishwater, you can easily forget your sensual side – leaving you feeling frumpy and lacking in confidence and motivation.</p><p>Thankfully, Fergie’s comeback track is a quick remedy to your low mood and lethargy.</p><p>Featuring attractive mothers dressed in curve-hugging latex and silky lingerie going about their daily life in a dreamy, colourful suburbia, this track is a quick way to transform your self-esteem and transport you to a world where you are not just a mother, but a goddess too.</p><p>Why not shake off the day and tap into your feminine energy with Fergie, your sexiest PJs, and a bottle of your favourite wine?</p><p> Marina And The Diamonds – How To Be A Heartbreaker</p><p>Low confidence after a breakup? You’re not alone. Having your heart broken can leave you feeling depressed, undesirable, and unmotivated. So flip the tables on your ex and become a heartbreaker with Marina’s catchy club classic.</p><p>This empowering dance track will make you want to move your body and get in touch with your bad girl side, with its heavy beat and pounding rhythms.</p><p>Plus, if your libido has suffered as a result of your low mood, take a sneaky peek at the video – it will get your blood pumping with its steamy shower shots and smoking hot male models.</p>]]></content:encoded> <wfw:commentRss>https://cusnsln.info/5-empowering-tracks-from-female-icons-to-make-you-feel-inspired/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Pandemic Effects on Hospitality Industries and How They Overcome It</title> <link>https://cusnsln.info/the-pandemic-effects-on-hospitality-industries-and-how-they-overcome-it</link> <comments>https://cusnsln.info/the-pandemic-effects-on-hospitality-industries-and-how-they-overcome-it#comments</comments> <pubDate>Tue, 13 Sep 2022 09:34:23 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Hospitality]]></category> <category><![CDATA[Industries]]></category> <category><![CDATA[Tour]]></category> <guid isPermaLink="false">http://cusnsln.info/?p=31</guid> <description><![CDATA[The COVID-19 pandemic affects many aspects and many sectors of life. As a result, economic sectors are fully affected, and the hospitality industry is no exception. The hospitality industry is known to be the source of job opportunities and supports many livelihoods of millions of workers and their families. Because Indonesia is primarily reliant on [...]]]></description> <content:encoded><![CDATA[<p>The COVID-19 pandemic affects many aspects and many sectors of life. As a result, economic sectors are fully affected, and the hospitality industry is no exception. The hospitality industry is known to be the source of job opportunities and supports many livelihoods of millions of workers and their families. Because Indonesia is primarily reliant on the service sector, the tourist industry plays an important part in the country’s growth. The increase of the COVID-19 cases has brought about a huge increase in the number of workers getting expelled or having their work ended. How did the hospitality industry survive in this era? The pandemic has provided several opportunities for numerous hospitality industries to use specific mechanisms in order to overcome pandemic difficulties.</p><p>Tourism and hospitality industries affected by the COVID-19 pandemic, including hotels, restaurants, resorts, travel agencies, travel and transportation, and real estate, show a significant losing number of tourists. According to the president of the Indonesia Tour Guide Association (HPI, 2020), 45,000 visitors have cancelled their plans to visit main tourist spots in the country between January and May. Furthermore, According to UNWTO (2020), 100-120 million direct and indirect activities were in jeopardy, and foreign tourist numbers decreased 56% year on year from January–May 2020. These noteworthy diminishing numbers primarily influenced the Indonesian financial state. For example, hotel profits have dropped by up to 40%, having an effect on hotel operations and risking business continuity. The drop in international visitors has an effect on the salary of restaurants whose clients are more prevailing than foreign visitors (Block, 2017). Following the dropping, many hospitality industries are taking awareness of tourists’ health risks and protocols taking an advance.</p><p>The recovery of hospitality industries is indistinguishable from the progressively sophisticated information innovation utilized to pull in potential visitors to choose to travel. The regaining of tourist attractions after a pandemic is required to utilize other promoting techniques to advertise their items inventively. First, social media marketing reaches many internet users who are looking for tourist information hospitality industry. This strategy is helpful in advertising and attracts many tourists to find more information related to a tourist attraction in the designated region. Second, Tourism industry players and visitors, as well as government action, are required to arbitrate between the two groups. Government policies must be in the form of the finest judgments to characterize the middle ground between commercial actors and visitors (Anggarini, 2021). This means that provided policy in the hospitality sector during-post pandemics maintains the best solution for both tourists and hospitality owners. Last, all tourism-related activities must adapt to current conditions, in which humans must live alongside Covid-19 (Anggarini, 2021). By all means, many factors, including health issues, hygiene, and safety for tourists, are priorities.</p><p>In conclusion, even though the pandemic is really affecting the hospitality industry as a whole, it gives many advancements of movement done by the hospitality industry to survive. Many resources are being used as the development of technology to provide data destinations insight. In addition, the sophistication of information technology can also facilitate the government in supervising the implementation of safe travel in accordance with government recommendations. All these initiations are good examples of overcoming pandemic situations while running hospitality industries.</p>]]></content:encoded> <wfw:commentRss>https://cusnsln.info/the-pandemic-effects-on-hospitality-industries-and-how-they-overcome-it/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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