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<content:encoded><![CDATA[<p> Anyone who has heard of digital marketin ...
<?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>cwxtems.info</title> <atom:link href="http://cwxtems.info/feed" rel="self" type="application/rss+xml" /> <link>https://cwxtems.info</link> <description>Just another WordPress site</description> <lastBuildDate>Wed, 13 Mar 2024 21:52:23 +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>FAQ’s About PayDay Loans</title> <link>https://cwxtems.info/51</link> <comments>https://cwxtems.info/51#comments</comments> <pubDate>Tue, 18 Jul 2023 02:41:48 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Online payday loan]]></category> <guid isPermaLink="false">http://cwxtems.info/?p=51</guid> <description><![CDATA[This article deals with some frequently asked questions about payday loans that will give you a brief summary about these loans and will also put your doubts and queries to rest. It is important to understand though that this is not a solution to all your problems and you must use cash advances only as [...]]]></description> <content:encoded><![CDATA[<p> This article deals with some frequently asked questions about payday loans that will give you a brief summary about these loans and will also put your doubts and queries to rest. It is important to understand though that this is not a solution to all your problems and you must use cash advances only as a backup plan and not as a way of easy cash.Some FAQ’s1. What is a cash advance or payday loan?These loans are also known as micro loans and they are short term loans in which borrowings are available at a fixed rate and can be offered as an alternative to credit cards. You can apply for these loans from the privacy of your home and the money gets credited straight into your account. These loans can be used to make payments from day to day running costs and even avoid dishonour payments.2. How does it work?Once your loan gets approved your loan ranging from $150 to $750 (this may vary lender to lender) is electronically transferred to your checking account. All payments are online and the repayment is taken electronically from your account.3. How much can I borrow?Again this depends upon the lender but with some you can borrow $150 for your first online cash advance and up to $750 in the future depending upon the approval of your application.4. Do I require any security or collateral?No, you don’t require any security. As a part of the online application you authorise the lender to electronically transfer and deduct money at the time of repayment, much like your employer direct deposits money to your salary account.5. What do I need to do to get a payday loan?All you require is:o Proof that you have been living in the same place of residency for a minimum of 4 months<br />o An account open for at least four months with no dishonoured payments<br />o A steady job making minimum $500 a week<br />o The income needs to be paid directly into your account<br />o There are no bankruptcy, judgements or adverse remarks on your credit reports<br />o Proof that you are a permanent resident of Australia or New Zealand<br />o You are above 18 years of age6. Is my credit ranking checked?Yes, your personal credit report will be checked as it is a part of the application process and different credit rating agencies are used.7. When will I receive the funds?This differs lender to lender, but in most cases once the application is approved the funds are electronically transferred to your nominated account. For first time borrowers, these funds are available in their account over night. Return customers are issued with a Financier Debit card which allows them access to the funds immediately upon approval. This debit card acts as anEFTPOS card which can be used at all ATMs around Australia and over the counter where ever EFTPOS is available. Most Lenders do not operate over the weekends and public holidays so inquire before.8. When do I repay?Your due date to repay the amount plus fees is on your next payday. If you are paid weekly you can repay the loan over 6 weekly installments, if you are paid fortnightly you can repay the loan over 3 fortnights and if you are paid monthly you can repay over 2 months at no extra charge. Also, if you borrow less than 4 days from your next payday you will not be required to repay until the following payday.9. What is the APR?APR stands for Annual Percentage Rate which is described as the cost of the loan in annual terms. It is used by different financial service providers and companies and they document the percentage of principal paid in interest in 1 year. <br/><a style="display:none;" target="_blank" href="http://jasabacklinkpro.info">jasabacklinkpro.info</a><a style="display:none;" target="_blank" href="http://jasabacklinks.info">jasabacklinks.info</a><a style="display:none;" target="_blank" href="http://kalipakem.com">kalipakem.com</a></p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://cwxtems.info/51/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Digital Marketing and the Future</title> <link>https://cwxtems.info/49</link> <comments>https://cwxtems.info/49#comments</comments> <pubDate>Sun, 09 Jul 2023 23:46:31 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://cwxtems.info/?p=49</guid> <description><![CDATA[Anyone who has heard of digital marketing will know that this is instrumental in businesses across the board in getting web traffic to their web sites. Whilst it has only been around for the last few years it is something that all companies should be taking advantage of, it is a pivotal technology in increasing [...]]]></description> <content:encoded><![CDATA[<p> Anyone who has heard of digital marketing will know that this is instrumental in businesses across the board in getting web traffic to their web sites. Whilst it has only been around for the last few years it is something that all companies should be taking advantage of, it is a pivotal technology in increasing the amount of customers that are visiting your web site, giving you the analysis that drives them there and how you can keep them returning, to maximise your revenue.E-commerce and the knowledge that makes up digital marketing have applications that were perhaps not seen by some companies in the last few years. This has understandably taken some businesses by surprise and left them feeling less competitive in the current market place. But now there is nothing standing in your way to get your business up to date and benefiting from the services that are available and easily accessible for every business, whatever it is you are doing. It doesn’t matter what size business you have, online marketing can be geared to fit in with whatever you require, and you will find that you will be able to build a system that will enable you to custom make and have access to the technology you might think only are being used by far bigger sites. You will get all the applications that are developmental from the different social and common known media that is out there today.As we are more than well aware because of the internet, business in all areas is taking on an ever increasing upward spiral especially in technology and this is no more represented by the advancement in digital marketing. You might be wondering how to go about this effectively and in reality getting a professional and knowledgeable digital marketing agency in will really pay dividends, rather than say trying to have it done in house. It is possible to get implemented in your business a managed hosted facility and data centre with all the solutions that go with it, this gives you the opportunity of making your internet business and you e-commerce business something that really matters in this day and age.Nowadays there many a digital marketing agency that will fulfill your requirements to make the most of the digital marketing that can increase your exposure to all those customers of your, which over time you have targeted, and if you are looking to up your rate of conversion digital marketing is one of the best ways to achieve that.It makes fine financial sense to use a digital marketing agency to totally streamline your business and the plans that you have for it online, really make it work for you and there is no reason within a short space of time you will be seeing the return on your investment in digital marketing by having your online business bringing you income that maybe you thought was not possible a few 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<wfw:commentRss>https://cwxtems.info/49/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Three Online Business Tips For Your Success</title> <link>https://cwxtems.info/47</link> <comments>https://cwxtems.info/47#comments</comments> <pubDate>Fri, 12 May 2023 22:40:53 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[best business ideas]]></category> <category><![CDATA[best online business]]></category> <category><![CDATA[best online business ideas]]></category> <category><![CDATA[best online business to start]]></category> <category><![CDATA[business ideas]]></category> <category><![CDATA[how to make money online]]></category> <category><![CDATA[make money online]]></category> <category><![CDATA[online business]]></category> <category><![CDATA[online business from home]]></category> <category><![CDATA[online business ideas]]></category> <category><![CDATA[small business ideas]]></category> <category><![CDATA[start an online business]]></category> <category><![CDATA[start online business]]></category> <category><![CDATA[starting an online business]]></category> <guid isPermaLink="false">http://cwxtems.info/?p=47</guid> <description><![CDATA[There are overwhelming numbers of online business tips on the web. You can sell a lot of things over the internet. You can find almost everything on the web bags, accessories, apparels, and shoes. Internet has change the way people live nowadays. The accessibility of online shopping opens a huge door for different kinds of [...]]]></description> <content:encoded><![CDATA[<p> There are overwhelming numbers of online business tips on the web. You can sell a lot of things over the internet. You can find almost everything on the web bags, accessories, apparels, and shoes. Internet has change the way people live nowadays. The accessibility of online shopping opens a huge door for different kinds of online businesses.Building your own online business is not easy because there are lots of things that you need to consider. Some people who are not determined just give up after a couple of months. If you really want to stay in the business, it is important to accept all possible outcome of your business. You have to accept possibilities that you might experience several failures. The following are helpful tips for people like you who want to try their luck in an online business.Always keep an eye for possible problems You have to realize and keep in mind that businesses who manage to stay around are successful because they are solving their own problems as much as they can. These are businesses that do not simply give up because if trials. You can stay longer in the game, if you have the ability to predict future problem that might arise within your business. There is no need for you to have special powers to predict business problems. If you know your business very well, then you will have the ability to know problem that you might encounter in the future. This is the reason why it is important for you to have personal knowledge and attachment to your business.Check the feasibility of the business in online setting You have to be aware that there are businesses that are purely business on the net and there are traditional businesses that have their own websites on the web. Businesses which are on a mortar and bricks realize that they can double their profit, if they will enter the world of e-business. Internet technology makes it very easy to reach and approach clients personally. It also increases the chance of having probable customers. Online business is one way to stop creating limitations around your business.There are businesses that are purely online and this is another story. Online shops and other business that purely revolves around online business is another easy way to start making money online. Online business tips are created for both types of online business.Create a website and analyze One drawback of e-business is the cost of doing extensive planning than just implementing ideas. If you have an offline business and you want to create an online version, then you need to find someone that can help you create one. World Wide Web is an amazing place or venue for people who want to build a strong business because of fast turn out of feedback. You can easily improve and change your method by analyzing its effect to your business.Online business tips like this one can really help people to have concrete ideas on what to do, but it is in your own hands on how you will use these tips for your advantage. </p>]]></content:encoded> <wfw:commentRss>https://cwxtems.info/47/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>There is an excessive amount of traffic coming from your Region.</title> <link>https://cwxtems.info/44</link> <comments>https://cwxtems.info/44#comments</comments> <pubDate>Thu, 11 May 2023 18:22:10 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[basic finance]]></category> <category><![CDATA[Finance]]></category> <category><![CDATA[finance basics]]></category> <category><![CDATA[finance books]]></category> <category><![CDATA[finance bros]]></category> <category><![CDATA[finance career]]></category> <category><![CDATA[finance degree]]></category> <category><![CDATA[finance frauds]]></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 shorts]]></category> <category><![CDATA[finance stock]]></category> <category><![CDATA[finance with sharan]]></category> <category><![CDATA[fix finances]]></category> <category><![CDATA[fix my finance]]></category> <category><![CDATA[learn finance]]></category> <category><![CDATA[mba finance]]></category> <category><![CDATA[mba finance jobs]]></category> <category><![CDATA[mba in finance]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[public finance]]></category> <category><![CDATA[raga finance]]></category> <category><![CDATA[study finance]]></category> <category><![CDATA[what is finance]]></category> <category><![CDATA[yahoo finance]]></category> <category><![CDATA[yahoo finance premium]]></category> <guid isPermaLink="false">http://cwxtems.info/?p=44</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://cwxtems.info/44/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Base Tendriling Travel Expenses</title> <link>https://cwxtems.info/42</link> <comments>https://cwxtems.info/42#comments</comments> <pubDate>Mon, 20 Mar 2023 10:38:14 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://cwxtems.info/?p=42</guid> <description><![CDATA[As business travel expenses nose upward, companies are realizing that better cost-management techniques can make a differenceUS. corporate travel expenses rocketed to more than $143 billion in 1994, according to American Express’ most recent survey on business travel management. Private-sector employers spend an estimated $2,484 per employee on travel and entertainment, a 17 percent increase [...]]]></description> <content:encoded><![CDATA[<p> As business travel expenses nose upward, companies are realizing that better cost-management techniques can make a differenceUS. corporate travel expenses rocketed to more than $143 billion in 1994, according to American Express’ most recent survey on business travel management. Private-sector employers spend an estimated $2,484 per employee on travel and entertainment, a 17 percent increase over the past four years.Corporate T&E costs, now the third-largest controllable expense behind sales and data-processing costs, are under new scrutiny. Corporations are realizing that even a savings of 1 percent or 2 percent can translate into millions of dollars added to their bottom line.Savings of that order are sure to get management’s attention, which is a requirement for this type of project. Involvement begins with understanding and evaluating the components of T&E management in order to control and monitor it more effectively.Hands-on management includes assigning responsibility for travel management, implementing a quality-measurement system for travel services used, and writing and distributing a formal travel policy. Only 64 percent of U.S. corporations have travel policies.Even with senior management’s support, the road to savings is rocky-only one in three companies has successfully instituted an internal program that will help cut travel expenses, and the myriad aspects of travel are so overwhelming, most companies don’t know where to start. “The industry of travel is based on information,” says Steven R. Schoen, founder and CEO of The Global Group Inc. “Until such time as a passenger actually sets foot on the plane, they’ve [only] been purchasing information.”If that’s the case, information technology seems a viable place to hammer out those elusive, but highly sought-after, savings. “Technological innovations in the business travel industry are allowing firms to realize the potential of automation to control and reduce indirect [travel] costs,” says Roger H. Ballou, president of the Travel Services Group USA of American Express. “In addition, many companies are embarking on quality programs that include sophisticated process improvement and reengineering efforts designed to substantially improve T&E management processes and reduce indirect costs.”As companies look to technology to make potential savings a reality, they can get very creative about the methods they employ.The Great LevelerCentralized reservation systems were long the exclusive domain of travel agents and other industry professionals. But all that changed in November 1992 when a Department of Transportation ruling allowed the general public access to systems such as Apollo and SABRE. Travel-management software, such as TripPower and TravelNet, immediately sprang up, providing corporations insight into where their T&E dollars are being spent.The software tracks spending trends by interfacing with the corporation’s database and providing access to centralized reservation systems that provide immediate reservation information to airlines, hotels and car rental agencies. These programs also allow users to generate computerized travel reports on cost savings with details on where discounts were obtained, hotel and car usage and patterns of travel between cities. Actual data gives corporations added leverage when negotiating discounts with travel suppliers.”When you own the information, you don’t have to go back to square one every time you decide to change agencies,” says Mary Savovie Stephens, travel manager for biotech giant Chiron Corp.Sybase Inc., a client/server software leader with an annual T&E budget of more than $15 million, agrees. “Software gives us unprecedented visibility into how employees are spending their travel dollars and better leverage to negotiate with travel service suppliers,” says Robert Lerner, director of credit and corporate travel services for Sybase Inc. “We have better access to data, faster, in a real-time environment, which is expected to bring us big savings in T&E. Now we have control over our travel information and no longer have to depend exclusively on the agencies and airlines.”The cost for this privilege depends on the volume of business. One-time purchases of travel-management software can run from under $100 to more than $125,000. Some software providers will accommodate smaller users by selling software piecemeal for $5 to $12 per booked trip, still a significant savings from the $50 industry norm per transaction.No More TicketsPaperless travel is catching on faster than the paperless office ever did as both service providers and consumers work together to reduce ticket prices for business travelers. Perhaps the most cutting-edge of the advances is “ticketless” travel, which almost all major airlines are testing.In the meantime, travel providers and agencies are experimenting with new technologies to enable travelers to book travel services via the Internet, e-mail and unattended ticketing kiosks. Best Western International, Hyatt Hotels and several other major hotel chains market on the Internet. These services reduce the need for paper and offer better service and such peripheral benefits as increased efficiency, improved tracking of travel expenses and trends, and cost reduction.Dennis Egolf, CFO of the Veterans Affairs Medical Center in Louisville, Ky., realized that the medical center’s decentralized location, a quarter-mile from the hospital, made efficiency difficult. “We were losing production time and things got lost,” he says. “Every memo had to be hand-carried for approval, and we required seven different copies of each travel order.” As a result, Egolf tried an off-the-shelf, paper-reduction software package designed for the federal government.The software allows the hospital to manage travel on-line, from tracking per-diem allowances and calculating expenses to generating cash advance forms and authorizing reimbursement vouchers. The software also lets the hospital keep a running account of its travel expenses and its remaining travel budget.”Today, for all practical purposes, the system is paperless,” says Egolf. The software has helped the hospital reduce document processing time by 93 percent. “The original goal focused on managing employee travel without paper,” he says. “We have achieved that goal, in part due to the efforts of the staff and in part due to the accuracy of the software.”With only a $6,000 investment, the hospital saved $70 each employee trip and saved almost half of its $200,000 T&E budget through the paper-reduction program.Out ThereConsolidation of corporate travel arrangements by fewer agencies has been a growing trend since 1982. Nearly three out of four companies now make travel plans for their business locations through a single agency as opposed to 51 percent in 1988. Two major benefits of agency consolidation are the facilitation of accounting and T&E budgeting, as well as leverage in negotiating future travel discounts.A major technological advance that allows this consolidation trend to flourish is the introduction of satellite ticket printers (STPs). Using STPs enables a travel agency to consolidate all operations to one home office, and still send all necessary tickets to various locations instantly via various wire services. As the term implies, the machinery prints out airline tickets on-site immediately, eliminating delivery charges.For London Fog, STPs are a blessing. London Fog’s annual T&E budget of more than $15 million is split equally between its two locations in Eldersburg, Md., and New York City. Each location purchases the same number of tickets, so equal access to ticketing from their agency is a must. With an STP in their two locations, the company services both offices with one agency in Baltimore. Each office has access to immediate tickets and still manages to save by not having to pay courier and express mail charges that can range up to $15 for each of the more than 500 tickets each purchases annually.Conde Nast Publications’ annual T&E budget of more than $20 million is allocated among its locations in Los Angeles, San Francisco, Chicago, New York and Detroit. Since 1994, travel arrangements have been handled by a centralized agency, Advanced Travel Management in New York City, by installing an STP in each of these five locations. In addition to increased efficiency due to consolidation, Conde Nast now has the ability to change travel plans at a moment’s notice and have new tickets in hand instantly.The real benefit is that the machines are owned and maintained by the travel agency., so there is no cost to the company. Due to the major expense involved, however, STPs remain an option only for major ticket purchasers. “STPs are a viable option in this process for any location that purchases more than $500,000 per year in tickets,” says Shoen.As airfare averages 43 percent of any company’s T&E expenses, savings obtainable through the various uses of technology have become dramatic. For example, the ability of corporations to collect and analyze their own travel trends has led to the creation of net-fare purchasing-negotiating a price between a corporation and an airline to purchase tickets that does not include the added expenses of commissions, overrides, transaction fees, agency transaction fees and other discounts.Although most major U.S. carriers publicly proclaim that they don’t negotiate corporate discounts below published market fares, the American Express survey on business travel management found that 38 percent of U.S. companies had access to, or already had implemented, negotiated airline discounts. The availability and mechanics of these arrangements vary widely by carrier.What’s the Price?Fred Swaffer, transportation manager for Hewlett-Packard and a strong advocate of the net-pricing system, has pioneered the concept of fee-based pricing with travel-management companies under contract with H-P. He states that H-P, which spends more than $528 million per year on T&E, plans to have all air travel based on net-fare pricing. “At the present time, we have several net fares at various stages of agreement,” he says. “These fares are negotiated with the airlines at the corporate level, then trickle down to each of our seven geographical regions.”Frank Kent, Western regional manager for United Airlines, concurs: “United Airlines participates in corporate volume discounting, such as bulk ticket purchases, but not with net pricing. I have yet to see one net-fare agreement that makes sense to us. We’re not opposed to it, but we just don’t understand it right now.”Kent stresses, “Airlines should approach corporations with long-term strategic relationships rather than just discounts. We would like to see ourselves committed to a corporation rather than just involved.”As business travel expenses nose upward, companies are realizing that better cost-management techniques can make a difference.US. corporate travel expenses rocketed to more than $143 billion in 1994, according to American Express’ most recent survey on business travel management. Private-sector employers spend an estimated $2,484 per employee on travel and entertainment, a 17 percent increase over the past four years.Corporate T&E costs, now the third-largest controllable expense behind sales and data-processing costs, are under new scrutiny. Corporations are realizing that even a savings of 1 percent or 2 percent can translate into millions of dollars added to their bottom line.Savings of that order are sure to get management’s attention, which is a requirement for this type of project. Involvement begins with understanding and evaluating the components of T&E management in order to control and monitor it more effectively.Hands-on management includes assigning responsibility for travel management, implementing a quality-measurement system for travel services used, and writing and distributing a formal travel policy. Only 64 percent of U.S. corporations have travel policies.Even with senior management’s support, the road to savings is rocky-only one in three companies has successfully instituted an internal program that will help cut travel expenses, and the myriad aspects of travel are so overwhelming, most companies don’t know where to start. “The industry of travel is based on information,” says Steven R. Schoen, founder and CEO of The Global Group Inc. “Until such time as a passenger actually sets foot on the plane, they’ve [only] been purchasing information.”If that’s the case, information technology seems a viable place to hammer out those elusive, but highly sought-after, savings. “Technological innovations in the business travel industry are allowing firms to realize the potential of automation to control and reduce indirect [travel] costs,” says Roger H. Ballou, president of the Travel Services Group USA of American Express. “In addition, many companies are embarking on quality programs that include sophisticated process improvement and reengineering efforts designed to substantially improve T&E management processes and reduce indirect costs.”As companies look to technology to make potential savings a reality, they can get very creative about the methods they employ.The Great LevelerCentralized reservation systems were long the exclusive domain of travel agents and other industry professionals. But all that changed in November 1992 when a Department of Transportation ruling allowed the general public access to systems such as Apollo and SABRE. Travel-management software, such as TripPower and TravelNet, immediately sprang up, providing corporations insight into where their T&E dollars are being spent.The software tracks spending trends by interfacing with the corporation’s database and providing access to centralized reservation systems that provide immediate reservation information to airlines, hotels and car rental agencies. These programs also allow users to generate computerized travel reports on cost savings with details on where discounts were obtained, hotel and car usage and patterns of travel between cities. Actual data gives corporations added leverage when negotiating discounts with travel suppliers.”When you own the information, you don’t have to go back to square one every time you decide to change agencies,” says Mary Savovie Stephens, travel manager for biotech giant Chiron Corp.Sybase Inc., a client/server software leader with an annual T&E budget of more than $15 million, agrees. “Software gives us unprecedented visibility into how employees are spending their travel dollars and better leverage to negotiate with travel service suppliers,” says Robert Lerner, director of credit and corporate travel services for Sybase Inc. “We have better access to data, faster, in a real-time environment, which is expected to bring us big savings in T&E. Now we have control over our travel information and no longer have to depend exclusively on the agencies and airlines.”The cost for this privilege depends on the volume of business. One-time purchases of travel-management software can run from under $100 to more than $125,000. Some software providers will accommodate smaller users by selling software piecemeal for $5 to $12 per booked trip, still a significant savings from the $50 industry norm per transaction.No More TicketsPaperless travel is catching on faster than the paperless office ever did as both service providers and consumers work together to reduce ticket prices for business travelers. Perhaps the most cutting-edge of the advances is “ticketless” travel, which almost all major airlines are testing.In the meantime, travel providers and agencies are experimenting with new technologies to enable travelers to book travel services via the Internet, e-mail and unattended ticketing kiosks. Best Western International, Hyatt Hotels and several other major hotel chains market on the Internet. These services reduce the need for paper and offer better service and such peripheral benefits as increased efficiency, improved tracking of travel expenses and trends, and cost reduction.Dennis Egolf, CFO of the Veterans Affairs Medical Center in Louisville, Ky., realized that the medical center’s decentralized location, a quarter-mile from the hospital, made efficiency difficult. “We were losing production time and things got lost,” he says. “Every memo had to be hand-carried for approval, and we required seven different copies of each travel order.” As a result, Egolf tried an off-the-shelf, paper-reduction software package designed for the federal government.The software allows the hospital to manage travel on-line, from tracking per-diem allowances and calculating expenses to generating cash advance forms and authorizing reimbursement vouchers. The software also lets the hospital keep a running account of its travel expenses and its remaining travel budget.”Today, for all practical purposes, the system is paperless,” says Egolf. The software has helped the hospital reduce document processing time by 93 percent. “The original goal focused on managing employee travel without paper,” he says. “We have achieved that goal, in part due to the efforts of the staff and in part due to the accuracy of the software.”With only a $6,000 investment, the hospital saved $70 each employee trip and saved almost half of its $200,000 T&E budget through the paper-reduction program.Out ThereConsolidation of corporate travel arrangements by fewer agencies has been a growing trend since 1982. Nearly three out of four companies now make travel plans for their business locations through a single agency as opposed to 51 percent in 1988. Two major benefits of agency consolidation are the facilitation of accounting and T&E budgeting, as well as leverage in negotiating future travel discounts.A major technological advance that allows this consolidation trend to flourish is the introduction of satellite ticket printers (STPs). Using STPs enables a travel agency to consolidate all operations to one home office, and still send all necessary tickets to various locations instantly via various wire services. As the term implies, the machinery prints out airline tickets on-site immediately, eliminating delivery charges.For London Fog, STPs are a blessing. London Fog’s annual T&E budget of more than $15 million is split equally between its two locations in Eldersburg, Md., and New York City. Each location purchases the same number of tickets, so equal access to ticketing from their agency is a must. With an STP in their two locations, the company services both offices with one agency in Baltimore. Each office has access to immediate tickets and still manages to save by not having to pay courier and express mail charges that can range up to $15 for each of the more than 500 tickets each purchases annually.Conde Nast Publications’ annual T&E budget of more than $20 million is allocated among its locations in Los Angeles, San Francisco, Chicago, New York and Detroit. Since 1994, travel arrangements have been handled by a centralized agency, Advanced Travel Management in New York City, by installing an STP in each of these five locations. In addition to increased efficiency due to consolidation, Conde Nast now has the ability to change travel plans at a moment’s notice and have new tickets in hand instantly.The real benefit is that the machines are owned and maintained by the travel agency., so there is no cost to the company. Due to the major expense involved, however, STPs remain an option only for major ticket purchasers. “STPs are a viable option in this process for any location that purchases more than $500,000 per year in tickets,” says Shoen.As airfare averages 43 percent of any company’s T&E expenses, savings obtainable through the various uses of technology have become dramatic. For example, the ability of corporations to collect and analyze their own travel trends has led to the creation of net-fare purchasing-negotiating a price between a corporation and an airline to purchase tickets that does not include the added expenses of commissions, overrides, transaction fees, agency transaction fees and other discounts.Although most major U.S. carriers publicly proclaim that they don’t negotiate corporate discounts below published market fares, the American Express survey on business travel management found that 38 percent of U.S. companies had access to, or already had implemented, negotiated airline discounts. The availability and mechanics of these arrangements vary widely by carrier.What’s the Price?Fred Swaffer, transportation manager for Hewlett-Packard and a strong advocate of the net-pricing system, has pioneered the concept of fee-based pricing with travel-management companies under contract with H-P. He states that H-P, which spends more than $528 million per year on T&E, plans to have all air travel based on net-fare pricing. “At the present time, we have several net fares at various stages of agreement,” he says. “These fares are negotiated with the airlines at the corporate level, then trickle down to each of our seven geographical regions.”Frank Kent, Western regional manager for United Airlines, concurs: “United Airlines participates in corporate volume discounting, such as bulk ticket purchases, but not with net pricing. I have yet to see one net-fare agreement that makes sense to us. We’re not opposed to it, but we just don’t understand it right now.”Kent stresses, “Airlines should approach corporations with long-term strategic relationships rather than just discounts. We would like to see ourselves committed to a corporation rather than just involved.”source: http://orlandomap.info/base-tendriling-travel-expenses </p>]]></content:encoded> <wfw:commentRss>https://cwxtems.info/42/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Why Do You Love SEO Learning? It’s Really Amazing!</title> <link>https://cwxtems.info/40</link> <comments>https://cwxtems.info/40#comments</comments> <pubDate>Sun, 19 Mar 2023 14:35:22 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://cwxtems.info/?p=40</guid> <description><![CDATA[When we talk about internet marketing, then the most important aspect that pops in our mind is SEO. Without the power of SEO, the world of internet marketing would fall apart. The importance of SEO or Search Engine Optimization is known to everyone. However, it is also true that not all of us truly get [...]]]></description> <content:encoded><![CDATA[<p> When we talk about internet marketing, then the most important aspect that pops in our mind is SEO. Without the power of SEO, the world of internet marketing would fall apart. The importance of SEO or Search Engine Optimization is known to everyone. However, it is also true that not all of us truly get into the skin of this subject. The vastness of SEO is still increasing as more developments are being carried out. But, most of us are just scratching the surface of this subject, rather than getting inside it to understand the subject completely.SEO as a career option can be really an excellent one, and with the passage of time, the demand for SEO professionals is surely going to rise. For this reason, it is good to learn SEO from the scratch, up to the advanced level. In case you are still not sure about it, read below.Demand of SEO:<br />We all know that why SEO is important for the businesses. In every business niche, every single company is trying to earn a space in the first page search result of any search engine. Everyone wants to have the much exposure for their business. The main task of SEO professionals is to improve the ranking of a website by making it as search engine friendly as possible. Considering the fact that every day hundreds of websites are being added to the web world, it is quite sure that the demand of SEO professionals is surely going to increase. So, if you want to cash in the opportunities, you got to learn SEO from a reputed training center.How you can enjoy doing SEO?It is also true that in order to excel in any field, you have to love your work. If you are not enjoying what you are doing, no matter how lucrative the opportunities are, you will never like them. So, what are the exciting aspects about SEO? Well, when you work in the field of SEO, you do not have to remain in an office cubicle, or in any particular city. You can travel to places around the world and still perform excellently in the field of SEO. In this way, you will be able to confront with new opportunities, which in turn will provide a better momentum to your career.No boundaries for SEO work<br />Like it was mentioned above, in the case of SEO you do not have to remain stuck at any particular place, or in any company for doing that 9 to 7 kind of job. You can work as a freelance SEO expert and provide your services to wide range of clients, coming from different parts of the world. So, there are no limitations when with comes to SEO. There are many freelancing portals where service providers and seekers come together.Decided to work in your free hours<br />There are many SEO training courses that can be pursued easily as they have flexible modules. You can learn and earn at the same time, without leaving your present job. Online courses provide you the freedom to learn SEO right from the comfort of your home.Conclusion:<br />So, SEO being the most widely sought after skills in the world of online jobs, it is certainly beneficial to become an expert of SEO. Your career will surely experience rapid growth rate in the field of SEO. </p>]]></content:encoded> <wfw:commentRss>https://cwxtems.info/40/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Online Health Insurance Quotes Allow You to Get the Best and Most Affordable Plan</title> <link>https://cwxtems.info/38</link> <comments>https://cwxtems.info/38#comments</comments> <pubDate>Sun, 19 Mar 2023 13:01:48 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://cwxtems.info/?p=38</guid> <description><![CDATA[Health insurance policies are one of those products that you don’t like to pay for but wish you did when you need it. Many who don’t have coverage either believe insurance is a waste of money or they simply can’t afford it. With new health care bill that was just passed, you may want to [...]]]></description> <content:encoded><![CDATA[<p> Health insurance policies are one of those products that you don’t like to pay for but wish you did when you need it. Many who don’t have coverage either believe insurance is a waste of money or they simply can’t afford it. With new health care bill that was just passed, you may want to get online health insurance quotes to ensure you are getting the best plan at the best rates. The new plan will allow Americans to get an affordable health plan subsidized by the government. It’s also mandates that you must have a plan that complies with federal regulations or face a fine.If you have the belief that health insurance is a waste of money, you might want to think again. It’s difficult to continue paying premiums if you never need to use the insurance. However, accidents and illnesses can occur, even for the healthiest of individuals. The out of pocket expenses of medical care can be astronomical if you don’t have coverage. Even if you believe you won’t use your insurance, you might want to consider a limited coverage plan just in case an unfortunate event occurs. Online health insurance quotes provide an easy way to research such plans. With new bill expected to put into law by 2014, you have no choice but to get adequate coverage or face a fine.Online health insurance quotes provide a convenient way to research your different options. You can research plans without the presence of a salesperson. You can review plans at your own leisure and educate yourself on health insurance. Not all plans are the same. Each will vary in coverage, deductibles, co-pays, and premiums. You should first determine what level of coverage you need and select the plan that provides your coverage requirements. Online health insurance quotes will prevent you from overpaying or receiving inadequate coverage. It’s best to talk with a sales person when you are armed with the knowledge of various coverages to avoid purchasing provisions you don’t need.Whether you don’t believe in purchasing coverage or simply can’t afford it, eventually you will need to obtain insurance or face a fine by the government. At this time, it is unknown how affordable the state plan will be. By getting online health insurance quotes, you can ensure that you are getting the best plan at the best rates. If you do enough research, you are likely to find a plan that is more affordable than the government plan. It is best that you take control of your health coverage and not let the government dictate what type of policy you should have. Getting online health insurance quotes is the first step in being proactive about your health coverage. </p>]]></content:encoded> <wfw:commentRss>https://cwxtems.info/38/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How To Save Money On Last Minute Travel Plans</title> <link>https://cwxtems.info/35</link> <comments>https://cwxtems.info/35#comments</comments> <pubDate>Fri, 03 Feb 2023 11:49:56 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://cwxtems.info/?p=35</guid> <description><![CDATA[Last minute travel plans are always exciting. You are suddenly charged with the idea of packing and going off on a vacation. It gives you a sense of adventure and you look forward to making the most of it. But, as intriguing as the last-minute travel plan may sound, there are a lot of arrangements [...]]]></description> <content:encoded><![CDATA[<p> Last minute travel plans are always exciting. You are suddenly charged with the idea of packing and going off on a vacation. It gives you a sense of adventure and you look forward to making the most of it. But, as intriguing as the last-minute travel plan may sound, there are a lot of arrangements that need to be done. And, these things may cost you a bomb if you don’t plan properly.Worried? Well, here are some tips that will help you save money even if your travel plans have been made a day before the date of departure.Book Your Tickets FirstIf you are looking for a cheap flight ticket, booking online is the best option you have. All you have to do is visit different sites and hunt for the best deals. Sometimes, if you download a travel app, you might get an off on your tickets. It might not be much but it will still save you some money! You should also checkup different social media platforms of airline companies to know if they are offering any last-minute deal. If you aren’t going too far from home, consider booking train or bus tickets as there are better chances of finding them at a reasonable price.Look for Pocket-friendly AccommodationWhen you are making last minute reservations, it’s difficult to find luxurious hotels, especially if you are travelling during the holiday season. However, you don’t need a very good hotel if you are going to spend most of your time outdoors. Just a good bed and a clean room should suffice, right? So, if you want to save some extra bucks, just check out some youth hostels and budget hotels, which generally have enough vacant rooms to accommodate you.Pack Your Essentials with YouWhen you are on a tight budget, it’s better to carry your personal essential items with you so that you don’t have to spend money on your trip. Things like travel packs of toothpaste, soap, and other toiletries can easily be packed into your luggage. This way, you will be able save a lot of money that you might have otherwise spend on them. You should also pack in the right clothes, which are suitable for the weather of the place you are travelling to.These are some of the most important tips that will help you save money when you suddenly come up with an impromptu travel plan. Apart from these, you should also consider taking local public transport on your trip as they generally come cheaper than renting cabs or cars. You could also save some money by eating out of local, small restaurants rather than the fancy ones. </p>]]></content:encoded> <wfw:commentRss>https://cwxtems.info/35/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Digital Marketing – Revolutionized Marketing and Different Innovative Strategies</title> <link>https://cwxtems.info/33</link> <comments>https://cwxtems.info/33#comments</comments> <pubDate>Tue, 31 Jan 2023 08:27:33 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://cwxtems.info/?p=33</guid> <description><![CDATA[Digital Marketing is much like modern architecture in many ways. It is the way of the world and these guidelines are just a start to get your business off on the right foot. Mastering digital marketing isn’t a cakewalk. According to the Digital Marketing Institute, it is the required result of digital channels to promote [...]]]></description> <content:encoded><![CDATA[<p> Digital Marketing is much like modern architecture in many ways. It is the way of the world and these guidelines are just a start to get your business off on the right foot. Mastering digital marketing isn’t a cakewalk. According to the Digital Marketing Institute, it is the required result of digital channels to promote or market products and services to consumers and businesses. It believed to be wavering these days as many companies that once used the old style of marketing are now going digital. It is essential in today’s world that a company which exists physically, must exist digitally as well. It is believed that existing digitally enhances advertising process. There exist a different and more approachable digital marketing tools like web designing, pay-per-click marketing, SMS, and email marketing. The following article will educate you in not one but many ways.Direct marketing and advertising is an advertising in which companies offer physical marketing and advertising materials to consumers to communicate details about a service or product. Inbound marketing can likewise be an essential tool in the continuing retention of present customers, by creating communication with those customers and enabling business to engage with other customers by giving informative, educational result together with product promotions. While outbound marketing could reach a larger audience, additionally, it runs the danger of barring uninterested consumers also. If you prefer to do better marketing without harming your finances, direct marketing will probably be somewhat decent for you. Second, content promotion is a pull, instead of a push, strategy. To the contrary, it is a refreshingly new concept in marketing which provides a unique comprehension of consumer behaviour.Content can typically be about a service or a product, it might be item, price, service charges or the selling of digital products like books, movies or software. It is something that helps in relaying old customers and thereby helps in pulling traffic from popular search engines. The very first and most crucial issue is quality content, try using attractive words that could connect nicely with readers. Step one on any advertising (or indeed, marketing) campaign needs to be to recognize the aims and goals of the campaign and the way they fit into the aims and goals of the business all around. Digital advertising and marketing campaigns will need to rely on these limits to be prosperous. Together with creating great advertising text (copy), you may want to study the way you can earn a corporation’s marketing campaigns visually appealing, through the usage of banners, images, videos and more.Although these facts may be true, but sometimes it gets difficult to do all these techniques in the company. Therefore, known and recognized companies and firms may hire a digital marketing agency to do on behalf of them. Most renowned digital marketing agency may not only offer quality and dependable benefits, also they have a digital marketing and advertising strategist which may help plan the most helpful campaigns. To be successful in today’s day, companies need to continuously create new content that doesn’t only get them found but also lets them capture leads. Soon it won’t be enough for businesses to understand what you might want. All businesses wish to strengthen their relationship with clients and prospects. Now everyone is aware of what the business is shooting for. It is essential that businesses optimize their online properties effectively to be able to get to the top of the entire important search engine result page.Even though many mistake digital for internet, to their surprise online marketing is only a part of the huge digital marketing framework. In a broader sense, the net is the centre of digital marketing. It has made easier for marketing managers to measure the results of a campaign. Since you can see the internet is by far not the only spot for marketers to assemble success, even in past couple of years. The web and the world have brought in an entire new perception of the advertising market. Thus, if you need to effectively advertise your business on the internet then seek the services of a renowned digital advertising company at the earliest. </p>]]></content:encoded> <wfw:commentRss>https://cwxtems.info/33/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Health Care Reform – As of Today</title> <link>https://cwxtems.info/30</link> <comments>https://cwxtems.info/30#comments</comments> <pubDate>Tue, 24 Jan 2023 23:10:29 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://cwxtems.info/?p=30</guid> <description><![CDATA[It came about last week. I was sitting in a State Conference for insurance professionals. I knew it was coming and I was ready to see if maybe THIS time, I would get more understanding than I had before. There was so much coming at me with regards to health care reform, I seemed to [...]]]></description> <content:encoded><![CDATA[<p> It came about last week. I was sitting in a State Conference for insurance professionals. I knew it was coming and I was ready to see if maybe THIS time, I would get more understanding than I had before. There was so much coming at me with regards to health care reform, I seemed to be in a tidal wave of information that seemed to change daily. The good news is, it was not just me. The bad news is, eve n many of those people “in charge” have little to no idea what is the 2,000 + pages of legislation called “health care reform”. A few things I came away with, I will share here…as well as an excellent bit of compiled info on some recent points to keep in mind for the coming months of 2010.1 – Don’t worry if health care reform seems confusing… it is. Many who felt health care reform would be a good thing for the United States, I feel, forgot how many cooks would be in the kitchen on this one. Sure, there were some “head chefs”, but everyone wanted to make it something good for them or the people they represented. Unfortunately, I also feel that all these “chefs” forgot to consider one party of people and that was others. They seemed to forget the masses of people this was supposed to help and instead focused on a plan so riddled with more questions than answers.2 – Health care reform will change even more. If you thought this bill was it, think again. If anything more could go wrong in our political administration I would be shocked. I just don’t see this group of “changers” lasting much past one term in office. With that said, one of the first things that will be adjusted and changed will be health care. No matter who takes over, the bill we currently are so concerned with and the bill that would take until 2014 to completely make itself known will change so dramatically we really won’t know anything until it’s all said and done.3 – We will be the ones to help make sense of it all. I write to many colleagues each and every week and one thing is certain… the insurance professionals will be the ones to be sure that the regular people know what health care reforms will effect the people we get an audience with. We as professional insurance agents and representatives will be the ones on the front lines making sure that our clients understand what is out there and how and/or what to do about it. If we work with companies and their benefits, we will be the ones those human resource professionals and business owners will be turning to for answers. Will you be ready. Start now and take a little each day to be more “up to date” than the agent down the street. It will help you stand out as “the go to” for health care reform answers.4 – We all have to share. If we get some great pieces of information, we need to share it as soon as we can with as many people as we can. The information about health care reform is not meant to be secret, but many have no idea where to get it. If you get a handle on some piece of this legisltation, share it. Share it in an article or a newsletter. Share it in speech or over coffee. When we share information, we keep all the facts on the table and together we can all work this out.Below is a compilation of some items to consider with regards to health care reform. Feel free to pass on any of them that you see fit for you and your situation:- Retiree Health Subsidy. For plans that satisfy various application and submission rules, the federal government will reimburse participating employers 80% of an early retiree’s (age 55 and over but not eligible for Medicare) health claims between $15,000 and $90,000. This program is to be effective as of June 23, 2010, and will cease upon the earlier of exhaustion of its $5 billion in funding or January 1, 2014.- Increased Resources. The Health Reform Bill allocates an additional $300 million to fight health care fraud and abuse over the next 10 years.- Transparency. Effective immediately, physician practices who provide their patients MRI, CT, and PET imaging services are required to inform those patients in writing of other suppliers in the community who can provide those services. The Health Reform Bill also requires disclosure of financial relationships between physicians, hospitals, pharmacists and other providers and manufacturers and distributors of certain drugs, devices, biologicals, and medical supplies.- Community Health Assessment. </p>]]></content:encoded> <wfw:commentRss>https://cwxtems.info/30/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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