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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>dobobuynd.info</title> <atom:link href="http://dobobuynd.info/feed" rel="self" type="application/rss+xml" /> <link>https://dobobuynd.info</link> <description></description> <lastBuildDate>Tue, 09 May 2023 22:39:51 +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>Save Big by Getting Your Military Loan Fast</title> <link>https://dobobuynd.info/save-big-by-getting-your-military-loan-fast.html</link> <comments>https://dobobuynd.info/save-big-by-getting-your-military-loan-fast.html#comments</comments> <pubDate>Tue, 09 May 2023 22:39:51 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Military]]></category> <guid isPermaLink="false">http://dobobuynd.info/?p=59</guid> <description><![CDATA[Both active and retired members of the military and their spouses now qualify to receive low interest military loans that have been constructed specifically for those who bravely serve our country, both stateside and overseas, regardless of the number of … <a href="https://dobobuynd.info/save-big-by-getting-your-military-loan-fast.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Both active and retired members of the military and their spouses now qualify to receive low interest military loans that have been constructed specifically for those who bravely serve our country, both stateside and overseas, regardless of the number of years of service. There are many fine and reputable lenders who have set up shop online to offer these loans to those who put their lives on the line for freedom throughout the world.Military Loans OnlineThe most convenient place to receive your military loan is online. There are a plethora of lenders who do business online that are offering military loans at rates that are well below the national average for consumer borrowers. These lenders specialize only in financing military personnel, with money available for many uses – such as purchasing a home, automobile, paying for education, financing a vacation or cruise, home improvements and repair, or even consolidating debts such as high interest credit card debt, personal loans, student loans, or even mortgage loans.Savings GaloreIn fact, many members of the military and their spouses have found that these low cost military loans can save them a heap of cash by being offered at interest rates that cannot exceed the government cap for loan instruments of their nature. Oftentimes, these military personnel decide to take out a military loan for the sole purpose of consolidating their consumer debt into a more manageable and more affordable military loan that saves them money on interest and is easier to repay.This is especially true in cases of high interest credit card debt, which can easily increase after just a few months of owning your credit card. Predatory credit card companies lure in unsuspecting consumers with offers of zero percent interest for a certain period of time, after which interest rates as much as 19.99% might apply. By consolidating these more expensive debts into a low cost military loan, the savings can be quite substantial.Applying Online Is EasyTo apply for your military loan, you will visit the established website for your chosen lender. You will find information about the different types of military loans that they offer and links to frequently asked questions regarding this type of loan. From the website, you can begin the process of obtaining your military loan by filling out a brief application that will ask you for certain items that can document your circumstances, such as military identification and proof of service, other identification documents such as your state issued driver license, social security number, bank records, employment history, and personal references that can be contacted in the event that the lender is unable to reach you by phone, mail, or email.You can submit all required documentation, including scanned copies of your identification cards to the lender by email or facsimile. You can sign all required signature documents electronically for your convenience as well. Once approved, which is typically within twenty four hours, you can have your funds either deposited directly into your banking account or delivered via a paper check to your residence, whichever is most convenient for you. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://dobobuynd.info/save-big-by-getting-your-military-loan-fast.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Implementing New Technology at Your Site</title> <link>https://dobobuynd.info/implementing-new-technology-at-your-site.html</link> <comments>https://dobobuynd.info/implementing-new-technology-at-your-site.html#comments</comments> <pubDate>Sat, 15 Apr 2023 12:17:18 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[cloud]]></category> <category><![CDATA[headset]]></category> <category><![CDATA[information]]></category> <category><![CDATA[intelligence]]></category> <category><![CDATA[management]]></category> <category><![CDATA[mobile]]></category> <category><![CDATA[news]]></category> <category><![CDATA[radiology]]></category> <category><![CDATA[smart]]></category> <category><![CDATA[systems]]></category> <category><![CDATA[tech]]></category> <category><![CDATA[Technology]]></category> <guid isPermaLink="false">http://dobobuynd.info/?p=54</guid> <description><![CDATA[My primary care physician, the last time I was in for a checkup, had not adopted ePrescribing or started using an electronic health record (EHR). My understanding is that the medical group to which he belongs had not rolled out … <a href="https://dobobuynd.info/implementing-new-technology-at-your-site.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> My primary care physician, the last time I was in for a checkup, had not adopted ePrescribing or started using an electronic health record (EHR). My understanding is that the medical group to which he belongs had not rolled out these capabilities to him yet but was planning to do so. Hopefully, this summer when I see him again he will be plugged into the electronic health record that the group is adopting. Although he may not be happy about having to adapt to this new way of working, I will be happy because it provides another layer of safety for me as a patient. For instance, the risks of miscommunication between my doctor and my pharmacy will be greatly reduced. From my experience as a quality and productivity expert, I know that there will be many benefits for his practice group. As the American Medical Association has shown in a white paper my physician may not be spending much less time handling prescriptions, but his office staff surely will. Overall, there will be a significant gain in productivity and safety for the office.After examining this example of the adoption of technology at my physician’s office group I recognize several challenges that the group faces, many of which are common to any enterprise adopting new technology faces, including not just healthcare providers but also small businesses and nonprofit organizations:· Will the new technology increase productivity?· Will there be a positive return on investment?· Will the new technology improve patient safety?· If the technology is adopted, how should it be rolled out or implemented?These challenges and questions should not be faced by just one person. Rather, a team with effective leadership should undertake the responsibility. The team should use a formal problem solving approach such as Plan-Do-Check-Act to insure success. One of the first things that the team should do is determine why the technology should be adopted. That is, it should clearly state the goals for the adoption. Perhaps the technology is mandated by an accrediting body or government body. This is the case for ePrescribing as CMS has mandated its adoption by the beginning of this year or physicians will be penalized. Another example is the case of my auto mechanic, Arie Nol Auto Center; his business is adopting new technological tools so that he can repair newer autoes that have many complex computer-based electronic components, thus remaining competitive.The technology should not be adopted if a good case cannot be made for doing so. This is the approach of Toyota Motor Systems, which first maximizes the effectiveness of any of its manufacturing processes that use human labor before adopting any robotic machinery on the floor. Using this approach it has stayed atop of quality when compared to other auto manufacturers. This year Consumers Reports placed Toyota first in 6 or 10 of categories of autoes.If a team decides to adopt a piece of technology or software it should next set up a detailed plan for adoption. One of the elements of the plan is the identification of measures of success. In the opening illustration I identified two measures: will the technology increase productivity and will it increase patient safety? The AMA stated that it would but each site should go beyond the research reports and measure its own success in implementation. Another measure that a team may want to examine is patient or customer satisfaction. Physicians implementing an EHR should see how it affects patient satisfaction.Next the team should create a detailed plan for implementing the technology. The plan should include collecting baseline data for the measures of success that it has identified, a detailed listing of steps in the implementation and the identification of a leader of the implementation. For larger businesses or medical groups the steps of implementation should focus on first having a limited rollout of the technology to a group that is eager to try it; this way, if the rollout cannot reach the goals that it has set the failure will be much less costly. Imagine the cost to a business if it does not experiment first and the supplier of the technology mislead the group on the capacity of the technology!During the implementation of the technology the leader should continuously collect data on the measures that the team has identified. This way adjustments can be made to the implementation if necessary or the project can be terminated if it can be seen that it will end poorly.If the implementation goes well, the team should celebrate its success and then plan how it can make better use of the technology that it has adopted while it rolls it out to the rest of the business or site. Most new technology is complex and fully implementing its features takes time. In fact, a business or healthcare provider may never use all of the capabilities of a product. For example, I purchased an iPad2 several months ago and I am still learning about some of it capabilities for my business. I anticipate learning much more so as to increase my own productivity.Before I close, I would like to mention a couple of sites that review medical apps for physicians, not for patients. One that I recently found and recommend is imedicalapps.com. It reviews apps not just for Apple products but also for Android systems and Blackberry. One feature that I found at this site was that the newest iPad will record dictation and add it to documents. This may be very handy for physicians who do not want to enter data into an EHR during a patient encounter. Apple in its App Store for iPad and iPhone has identified what it considers the top 50 apps for medical professionals. You can find out more about it at http://mobihealthnews.com/13638/.In conclusion, the adoption of new technology can be daunting. However with effective teams and leadership along with good problem solving techniques the adoption and implementation is quite manageable. Identifying goals and measures and creating a detailed plan of adoption will make the process much smoother, especially to those who are being asked to use the new technology. </p>]]></content:encoded> <wfw:commentRss>https://dobobuynd.info/implementing-new-technology-at-your-site.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Top Ten Travel Accessories</title> <link>https://dobobuynd.info/top-ten-travel-accessories.html</link> <comments>https://dobobuynd.info/top-ten-travel-accessories.html#comments</comments> <pubDate>Sat, 15 Apr 2023 11:20:23 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Travel]]></category> <guid isPermaLink="false">http://dobobuynd.info/?p=52</guid> <description><![CDATA[With 100′s of travel accessories available it is sometimes difficult to choose which ones to buy and which to omit. My list gives a run down on the top ten must haves for any traveller.1. Travel Adaptor. If you are … <a href="https://dobobuynd.info/top-ten-travel-accessories.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> With 100′s of travel accessories available it is sometimes difficult to choose which ones to buy and which to omit. My list gives a run down on the top ten must haves for any traveller.1. Travel Adaptor. If you are travelling overseas to a country that uses a different plug socket to your home country then you will need the appropriate travel adaptor if you intend to take electrical devices with you whether it be your phone, laptop, iPad, camera or music player. If you are visiting multiple countries then you might want to look into a universal adaptor which will convert your plug to any worldwide socket.2. Travel Wallet. When travelling you carry many more documents than you normally would so your regular wallet is most likely not large enough. You will need room for your travel tickets, passport, visa’s, travellers cheques, credit cards, cash and boarding passes. It is a good idea to keep all of your documents in one place that is easy to access so that you pass through immigration swiftly. Look out for a travel wallet that is roomy and has a lot of sections to organise your documents into separate compartments. An exterior slip in pocket is useful for your boarding passes.3. Concealed Waist Wallet. After you reach your destination and settled in at your hotel you will no longer need to carry around all your travel documents. I recommend that you just carry the cash you need for the day and possibly a credit card. Many tourist destinations have a high rate of pick pocketing so a regular wallet can be unsafe. A concealed money belt however is hidden under your clothes and is invisible to a would-be thief.4. Pocket Travel Guide or Destination App. Visiting a new destination is exciting as you discover new places of interest but often with little knowledge of the destination a lot of time can be wasted whilst you get to know the area. Before smart phones a poker sized travel guide was the best option but if you now have a smart phone then there are many apps that will give you detailed information on the place you are visiting.5. Sleeping Mask. If you are travelling by plane, coach or train for an extended period catching 40 winks is advisable and can make a long journey seem short. Due to the less than ideal settings an eyeshade helps to cut out the light and make sleeping a little easier and more comfortable. If you reach your destination and are suffering from jet lag and need to sleep during the day then the mask will be useful again.6. Travel Pillow. Essential for a comfortable rest whilst travelling, travel pillows come in a variety of designs. Some are a horseshoe shape and loop around the back of your head and others are just a small version of your bed pillow. They can either be filled (usually foam) or inflatable. The filled ones are generally more comfortable but do take up a lot more room than an inflatable one, take this into consideration when choosing the right one for you particularly if you have limited space in your carry on luggage.7. Luggage Scales. Excess baggage fees can be horrendous and should be avoided at all costs so even though you will not use it much, a luggage scale can save you a lot of money. Weigh your luggage before you travel and then again before you return. Check that you know exactly what weight you are allowed to take with you and consider that when purchasing gifts from overseas. If you think you are getting close to your limit during the trip re-weigh your luggage and consider posting items back home if you are going to go over your limit.8. Toiletry Bags. Seasoned travelers always use a toiletry bag, it is a good way to keep all your toiletries in one place and they can stay in there for the duration of your trip some even have a hanger system so that they can open up and form a shelf in your hotel room. The other big reason for using a toiletry bag is spillage, your shampoo/aftershave could become damaged during transit and leak out onto the rest of your packing. Toiletry bags are usually waterproof so in the event of spillage the liquid is limited to the toiletry bag only and want soil your clothes.9. Travel Clothes Line. No one really wants to wash clothes on holiday but sometimes it can be unavoidable even if it is just a few items over the space of several weeks. You can always find something to use as a substitute washing liquid if you have no travel wash with you (such as soap or shampoo) but hanging the items can be difficult if you have no balcony and even then it is not ideal as your garments could end up dusty. The solution is a travel clothes line that garments attach to by a twist in the line and has no need for clothes pegs.10. Packable Bag. This kind of bag can either be a backpack or travel bag that folds away into our small pouch so in effect you are getting an extra bag that takes little space but can be unfolded to an extra, useful bag should it be needed. </p>]]></content:encoded> <wfw:commentRss>https://dobobuynd.info/top-ten-travel-accessories.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Need Auto Insurance? Find Out How Here</title> <link>https://dobobuynd.info/need-auto-insurance-find-out-how-here.html</link> <comments>https://dobobuynd.info/need-auto-insurance-find-out-how-here.html#comments</comments> <pubDate>Tue, 11 Apr 2023 19:57:29 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Advertising & Marketing]]></category> <guid isPermaLink="false">http://dobobuynd.info/?p=50</guid> <description><![CDATA[It is mandatory for all new car owners to get auto insurance. The Road Traffic Act stipulates that all motorists should be insured against liability and it declares driving a car without a minimum level of insurance is illegal. The … <a href="https://dobobuynd.info/need-auto-insurance-find-out-how-here.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> It is mandatory for all new car owners to get auto insurance. The Road Traffic Act stipulates that all motorists should be insured against liability and it declares driving a car without a minimum level of insurance is illegal. The violation can attract severe civil and criminal penalties. This can be easily avoided by securing a proper auto insurance cover for your vehicle as per your state’s demands. It is quite a simple process.Nowadays, there is so much dependence on vehicles that the best thing to do is to follow all stipulated guidelines religiously. Getting the right auto insurance cover is one of them.What Is Auto Insurance All About?Auto Insurance simply means a contract or an agreement between an auto owner and an insurance company. Under this contract, premium is paid to the insurer and in return he pays for any car related losses as detailed in the policy.Key Legal RequirementsIn order to get an insurance cover for your vehicle, you would need to fulfill the following requirements. It’s advisable to find out the requirements in your respective state since these may vary. However, these are the broad requirements for auto insurance.Firstly, you should be in possession of a valid driver’s license before you go in for registration or insuring your car. For your license you would need to approach your local DMV (Department of Motor Vehicles). This is the primary requirement.You will also need to have an auto title. It is a legal certificate of ownership that confirms that you own the car. Most of the paperwork is already done when you purchase a gar from a dealer. Licensed dealers are needed to transfer the title of the car in your name. The title will list the owner’s name, address, make of the car, model and year of the car and the date of sale. This should be retained by you.Next, you need to get your car registered. You can apply for registration at the local DMV. The requirements may vary from state to state. In order to register your vehicle, you will require a valid driving license, signed certificate of title for the car, address of residence and proof of your insurance.The law also stipulates that that a vehicle more than three years old should have a valid MOT certificate. It is not possible to tax a vehicle without MOT and certificate of insurance and driving without them is an offence.It is also vital to keep the insurance company informed in case of any vehicle modifications and fixed penalties. Failing to do so is an offense and may affect any claim that you make.You are also legally obliged to take the basic level of auto insurance that will cover you against third party claims. Since the legal requirements for auto insurance vary from state to state, you will need to clarify the level of cover that you require while taking auto insurance. Only insuring the legal minimum isn’t necessarily the best choice to make.As a proof of your auto insurance, the company issues you the following documents – A Certificate of insurance which will also be required for buying your road tax; A cover note that will act as a temporary policy and certificate until your new insurance policy has been set up; and Policy documents which gives a detail of all that you are covered for. Read the documents carefully to understand your rights and obligations under the policy.Insurance companies have set up claim help lines and accident emergency recovery hotlines for ensuring a smoother process. In case of any ambiguity in terms of insurance or legal requirements, get your doubts cleared by talking to the company. </p>]]></content:encoded> <wfw:commentRss>https://dobobuynd.info/need-auto-insurance-find-out-how-here.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>A Guide on How to Compare Auto Insurance Quotes</title> <link>https://dobobuynd.info/a-guide-on-how-to-compare-auto-insurance-quotes.html</link> <comments>https://dobobuynd.info/a-guide-on-how-to-compare-auto-insurance-quotes.html#comments</comments> <pubDate>Tue, 11 Apr 2023 18:49:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[insurance]]></category> <category><![CDATA[auto insurance]]></category> <guid isPermaLink="false">http://dobobuynd.info/?p=48</guid> <description><![CDATA[Auto insurance quotes in California are not constant and permanent. This is due to the fact that auto insurance rates change and vary over time. The same can be said about a person’s insurance needs, for alterations may occur in … <a href="https://dobobuynd.info/a-guide-on-how-to-compare-auto-insurance-quotes.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Auto insurance quotes in California are not constant and permanent. This is due to the fact that auto insurance rates change and vary over time. The same can be said about a person’s insurance needs, for alterations may occur in his lifestyle, financial status, family circumstances and so on. The competition amongst the different insurance companies is also a factor that contributes to these changes, especially since the internet age brought about a flux of insurance companies that offer the convenience and benefits of free, online quotes.There are countless of sources that stress the need to compare auto insurance quotes in order to get the best appropriate deal. However, the intricacy and care needed to accomplish this are intimidating. Contributory to its negative appeal are the terms, concepts, and rules of the industry that are, more often than not, unfamiliar and vague. To make it even worse, the competitive prices of a variety of auto insurance quotes made available by the different companies in California and all over the U.S. can really confuse and sometimes mislead insurance shoppers into purchasing an unsuitable policy.Here is a guide that can simplify the experience of auto insurance shopping, especially for those who are going to purchase one for the very first time:(1) Know the terms used in auto insurance. As previously mentioned, terms in auto insurance tend to be unfamiliar and vague, hence almost incomprehensible. To avoid misconceptions and misunderstanding, it is essential to be familiar with key terms before comparing quotes and purchasing policies.(2) Know California’s Auto Insurance Requirements (or the requirements of the state wherein the purchase will take place). The minimum requirement for liability and property damage requirements vary per state. In the case of California, the requirements for minimum coverage are $15,000 for Liability Bodily Injury (injury or death to a person), $30,000 Liability Bodily Injury (injury or death to more than one person), and $5,000 for Property Damage Coverage. The limits of the coverage apply per accident only. Once the requirements of the state are clear, the next step would be to review all of the components and coverage of the policies that the different insurance companies would offer. It is important to remember that the above mentioned minimum coverage does not limit the customer from purchasing other coverage for the best possible protection.(3) Review the Collision Coverage. The Collision coverage is what would pay for the repair or replacement of the car in case that there is a collision or an accident. It is important to remember to choose a deductible based on personal price range and needs. A deductible is the amount the customer pays before the insurance company takes care of the remaining sum.(4) Review the Comprehensive Coverage. This protects the customer from automobile damage brought about by vandalism, theft, fire and natural calamities, and not by a collision. A deductible may be chosen for this as well.(5) Review the Medical Payments Coverage, which is for the payment of medical expenses in case someone is bodily injured by the owner’s car during a covered accident.(6) Consider only reputable and legitimate insurance companies or websites.(7) Avail of existing discounts. Discounts can significantly lower auto insurance quotes. Insurance companies have different requirements for their discounts, and it is important to compare and contrast all of them.(8) Consider the payment methods because some companies have unyielding rules, while others have lenient ones. One tip is to choose a policy that offers affordable deductibles.Comparing auto insurance quotes in California need not be taxing, especially since it is something that every car owner needs to do when purchasing auto insurance, a vital protective measure against unpredicted losses and damages. Following this guide will assist in the simplification of the entire ordeal, so that the person who intends to purchase auto insurance can effectively compare quotes and consequentially choose the best policy that addresses his needs. </p>]]></content:encoded> <wfw:commentRss>https://dobobuynd.info/a-guide-on-how-to-compare-auto-insurance-quotes.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Best Investment Funds for 2014 and Beyond?</title> <link>https://dobobuynd.info/the-best-investment-funds-for-2014-and-beyond.html</link> <comments>https://dobobuynd.info/the-best-investment-funds-for-2014-and-beyond.html#comments</comments> <pubDate>Tue, 11 Apr 2023 18:09:02 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[investments]]></category> <guid isPermaLink="false">http://dobobuynd.info/?p=46</guid> <description><![CDATA[Here we go one step beyond the basics and suggest that the best investment funds for 2014 and beyond could be funds that invest money in alternative investments. You can debate whether diversified stock funds or bond funds will be … <a href="https://dobobuynd.info/the-best-investment-funds-for-2014-and-beyond.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Here we go one step beyond the basics and suggest that the best investment funds for 2014 and beyond could be funds that invest money in alternative investments. You can debate whether diversified stock funds or bond funds will be the best funds to invest money in, but your best investment could be funds that invest money in alternative investments like gold, oil, and maybe even real estate stocks.Informed investors know that you should invest money in more than one area in order to have a diversified portfolio. Most investors think that the best investment strategy is to own the best funds, and that your only choices are diversified stock funds and bond funds. Few have a handle on the arena called “alternative investments”. Where do you think the smart investors will invest money when neither stocks (in general) nor bonds look attractive and safe investments are paying record low interest rates?The top dogs look around for opportunities that are “outside of the box” in search of their best investment alternatives. Welcome to the world of alternative investments. As an average investor trying to find the best funds you might want to broaden your horizons as well. If our economy continues to be lackluster and interest rates rise in 2014 and beyond both diversified stock funds and bond funds could take a hit. So, where can you invest money for higher returns if things turn sour in 2014 and/or 2015?Gold is not cheap anymore but it is well below its highs as I write this. Gold funds invest money in stocks in the gold and silver mining industry, and they took a major hit in 2013. Historically, gold has been one of the best investment alternatives in times of high uncertainty and crisis. Gold funds might be one of the best funds if things get ugly in 2014 and beyond. They may or may not be your best investment, but adding them to your portfolio at this time to add more diversification could be a good idea just in case.Another alternative investment that’s a candidate for best investment ideas: oil and other natural resources. Your best funds to invest money in here and keep things simple are called natural resources funds. They too have proven to be good performers when the stock market in general is having a rough time. You might think that gasoline prices at the pump (and oil prices) are high now, but think back a few years. Prices can always go higher, even in a bad economy.And then there’s real estate as an alternative investment. This industry has recovered from the financial crisis lows, in no small part due to low interest rates. What will happen if rates climb as the economy sputters? Investors usually invest money in real estate with borrowed money. The truth of the matter is that interest rates are still low by historical standards. Real estate funds can be one of your best investment alternatives as investors rush in to buy before rates climb further. The best funds here invest money in real estate investment trusts and other companies in the real estate sector, like home builders. Caution: when rates rise significantly the real estate industry can sputter.Why do I suggest that the best funds in 2014 and beyond could be those that invest money in specialized sectors like gold, natural resources and perhaps real estate? Historically, in bad times for the economy and stock market in general these industries can attract money as investors search for the best investment alternatives to invest money in. Both stocks (in general) and bonds are selling near historical highs. Bonds have been on a thirty year roll, and stocks have climbed 150% in less than five years. Neither looks cheap by any standard.In your search for the best investment alternatives to make your money grow, sometimes you need to look outside of the box. You need to invest money so that some of it is safe and available for future opportunities. And in times like 2014 and beyond it’s a good idea to further diversify into alternative investments. The simplest and best investment vehicle for the average investor is mutual funds. The best funds to add to your portfolio are those that can swim against the tide when it goes out. </p>]]></content:encoded> <wfw:commentRss>https://dobobuynd.info/the-best-investment-funds-for-2014-and-beyond.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Apply for the Best Credit Cards – Get the Benefits of Low Interest Credit Cards</title> <link>https://dobobuynd.info/apply-for-the-best-credit-cards-get-the-benefits-of-low-interest-credit-cards.html</link> <comments>https://dobobuynd.info/apply-for-the-best-credit-cards-get-the-benefits-of-low-interest-credit-cards.html#comments</comments> <pubDate>Tue, 11 Apr 2023 17:23:21 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[credit cards]]></category> <guid isPermaLink="false">http://dobobuynd.info/?p=44</guid> <description><![CDATA[There are many factors involved in choosing for the best credit cards. First, you must think about how the it will be used.If you expect to always pay your monthly bill in full, your best choice may be a credit … <a href="https://dobobuynd.info/apply-for-the-best-credit-cards-get-the-benefits-of-low-interest-credit-cards.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> There are many factors involved in choosing for the best credit cards. First, you must think about how the it will be used.If you expect to always pay your monthly bill in full, your best choice may be a credit card that has no annual fee and offers a longer grace period.If you sometimes carry over a balance from month to month, you may be more interested in a credit card that carries a lower interest rate or low annual percentage rate (APR).If you expect to use your card to get cash advances, you will want to look for a one that carries a lower APR and lower fees on cash advances. Some charge a higher APR for cash advances than for purchases.These are steps to take when deciding on a credit card, but your actual breadth of options depends in great part on your credit history.Once you have decided which card is best suited for your needs, it is time to do a comparison shopping; more like when you are looking for a mortgage or a car loan.Here are some tips that should help you get started:1. Do some research – There are plenty of places, both online and offline, where you can read about credit card offers and even get their ratings, but since rates and plans change so often, it’s a good idea to call the institutions you are interested in to confirm the information and to see if there are other plans that might work for you. A reliable and non-commercial resource is the Federal Reserve Board. Also, the non-profit consumer credit organization U.S. Citizens for Fair Credit Card Terms offers credit card ratings from its research.2. Make a list – Make a list of credit card features that fit your financial needs and rank the features according to how you plan to use the card and pay your monthly bill.3. Review the plans – Review all of the information you have gathered on different plans. Pay special attention to the APR; you want a low rate, but not necessarily the lowest. This is because, depending on your lifestyle and payment habits, you might benefit more from a card that offers cash rebates, discounts or frequent-flier miles.4. Check out credit unions – Look into the possibility of joining a credit union. Credit unions are non-profit, and they have lower overhead so they can charge lower interest rates.5. Compare plans – If you already have a credit card, be sure that you’re making a good move before you swap cards. If you are a current cardholder and have a good credit rating, see if the institution that issued your card will lower your current rate. Don’t be afraid to negotiate!Now here are some benefits of your low interest credit card:With your low interest credit card on hand you can:1. Get Rid of your Debt – You can transfer balances from one card to another to take advantage of low introductory rates. This a very common practice among U.S. credit card holders. Low introductory rates can be very helpful in your quest to become free of credit card debt. You should look for one that offer a low intro rate, and transfer the balance from your previous credit card to that new card. Before you take this step, however, make sure that, after the intro rate has expired, the new card offers the same (or lower) interest rate as your current card.Often times, credit card companies offer a low “introductory” rate that will give you a low interest rate on a credit card for only a short period of time; usually 6 months. After that time the low introductory rate goes up to a higher fixed interest rate. The low introductory interest rates sometimes appear really good, but might actually cost you in the end.If you are planning to pay off the balance before the introductory rate expires, then credit cards with a low introductory APR or low interest rate can actually save you money. However, if you plan to own a credit card for an extended period of time then a fixed low interest rate card might be right for you. With a fixed low APR credit card you know what your interest rate will be.2. Fund some or all of that new or used car – Using a low interest credit card for this purpose could potentially be a less expensive alternative to the auto financing offered by the dealer. Since a credit card loan is unsecured, your car would not be in danger of repossession down the road if you hit a rough patch financially and had trouble paying back the debt (although your credit would still be damaged).With financing from the bank, monthly payments are fixed for the loan term. But using a card to buy a car means you have the option of simply paying the minimum monthly payment, if need be, whereas not paying the bank loan in full could result in a hit to your credit history.Furthermore, paying for a car with your low interest credit card means no waiting for loan approval. You can skip discussing loan rates and loan approvals with the car salesman, since your credit line can be used like cash whenever you decide it is time to make an auto purchase.Still, you need to cautious when buying a car with plastic. Among the dangers, your low interest rate is probably for a limited time and could jump once this introductory period ends. Be aware also whether the low interest rate applies to new purchases or cash advances as opposed to simply balance transfers from other credit cards.Be smart when you apply for the best credit cards. Do comparison shopping for and find one that will give you the benefits of low interest credit cards.All rights reserved. Article may be re-printed as long as the content remains intact, unchanged, and the link remains active. </p>]]></content:encoded> <wfw:commentRss>https://dobobuynd.info/apply-for-the-best-credit-cards-get-the-benefits-of-low-interest-credit-cards.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>3 Mistakes On How To Make Money Online</title> <link>https://dobobuynd.info/3-mistakes-on-how-to-make-money-online.html</link> <comments>https://dobobuynd.info/3-mistakes-on-how-to-make-money-online.html#comments</comments> <pubDate>Tue, 11 Apr 2023 16:37:58 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Money Online]]></category> <guid isPermaLink="false">http://dobobuynd.info/?p=42</guid> <description><![CDATA[In this 21st century era, the internet has taken most of the big businesses trading around the globe. It is no doubt that making money online is booming real fast. What used to be deemed by the society as fraud, … <a href="https://dobobuynd.info/3-mistakes-on-how-to-make-money-online.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> In this 21st century era, the internet has taken most of the big businesses trading around the globe. It is no doubt that making money online is booming real fast. What used to be deemed by the society as fraud, scheme… etc all sorts of negative impression on the internet has now been replaced by praises. The internet has enable people to escape the 9-5 job routine and create their own online business.We have heard many people are earning a lot of money from the internet. Make money online has been a dream for many since then. Whatever their end desires are, it can be summarized as below on why people what to start an online business and make money online.1.) They own the business. No longer need to repeat the same old 9-5 routine.2.) Earning margin is unlimited. There is no limit to how much you can earn online.3.) Enables you to reach to audience of worldwide.With all the benefits above (and more!), it is no wonder more and more people are looking into making money online.However, the real question hits everyone who wish to start an online business real hard. The question is: How can I start to make money online then? The moment people ask this question, a sense of fear immediately arises in their blood. It is because they have never done anything like that before, and have all the pre-conceived notion on what the online business is.Here are the 3 mistakes that you need to avoid when it comes to build your own online business and start to make money online.Mistake number 1 – You need to be extremely good at programming and coding in order to make money online. Doom is the age of alien languages, now is the era of drag and drop! To build an online business, you don’t need to know even a single line of code. Many times people have been told that to start an online business you will need to at least master the foundation of programming and all the technical knowledge. Truth and the good news is, you don’t have to! With all the technologies in place now, you can even create a website in less than 30 minutes without facing the alien languages.Mistake number 2 – Sell service. By selling service you are exchanging time for bread. You can’t pull yourself out from the equation when you sell service. Simply put, you stop earning money online the moment you stop working online. Make sense? The better way would be to sell information digital products. Not only it’s earning margin is high, you can put it in automation as well. That means you can earn money even when you are away, even when you are not managing the business.Mistake number 3 – You need to get a Master Degree in designing a website. Scrap this. All you need is a good course that teaches you the right way of doing marketing online to drive traffic to your site. Let’s face it, without traffic, your beautiful website will be rendered as useless. It is because no one is looking at it! Marketing is the important puzzle that gives you revenue, not the look of the website.With these 3 mistakes to avoid, you can literally be relief to start to make money online. As long as you put the efforts in it and be patience, you will see result. Build an online business and make money online are real. Don’t be chickened out by those deceiving 3 mistakes! </p>]]></content:encoded> <wfw:commentRss>https://dobobuynd.info/3-mistakes-on-how-to-make-money-online.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Use and News of Gadgets and Gizmos</title> <link>https://dobobuynd.info/use-and-news-of-gadgets-and-gizmos.html</link> <comments>https://dobobuynd.info/use-and-news-of-gadgets-and-gizmos.html#comments</comments> <pubDate>Tue, 11 Apr 2023 12:48:56 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Gadgets]]></category> <guid isPermaLink="false">http://dobobuynd.info/?p=40</guid> <description><![CDATA[Gadgets are small or big instruments usually controlled by remote or they are self driven. These are cleverly designed objects which can help human in almost any work or play. Some of the well known and widely used gadgets are … <a href="https://dobobuynd.info/use-and-news-of-gadgets-and-gizmos.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Gadgets are small or big instruments usually controlled by remote or they are self driven. These are cleverly designed objects which can help human in almost any work or play. Some of the well known and widely used gadgets are mobile phones. Mobile phones have recently become the major part of human life and are used to directly stay in contact with friend, family members and colleagues. Nowadays due to the advanced technology the gadget like a mobile can also be used for many other things like surfing, location finding, emailing and also for socializing. Wireless technology has gained lot of importance due to the easy and convenience that kids at all age groups enjoy. Remote Controlled cars, helicopters, candles and many more gadgets are available in the shops.Gadgets are even considered as good gifts or presents. Gadgets are available in different variety based on age groups and use. Children have many toy options that entertainment such as a robot or an automated car, remote controlled helicopter etc. Mobile Phones, Laptops, iPhones, iPods are some of the well know and common gadgets used world wide.As far as the invention of the term gadget is concerned the word has different interpretations that have come up from various people and countries. It started way back in the 19th century. Some say the word gadget came from the builders of the statue of liberty. Few say the word was used even before by the USA and few say it is French word derived from the french term “gachette”. Whatever is the derivation of the word we should be keener in looking for a gadget that suits our needs. </p>]]></content:encoded> <wfw:commentRss>https://dobobuynd.info/use-and-news-of-gadgets-and-gizmos.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Software Piracy And Why You Should Avoid It</title> <link>https://dobobuynd.info/software-piracy-and-why-you-should-avoid-it.html</link> <comments>https://dobobuynd.info/software-piracy-and-why-you-should-avoid-it.html#comments</comments> <pubDate>Tue, 11 Apr 2023 12:14:02 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Software]]></category> <guid isPermaLink="false">http://dobobuynd.info/?p=38</guid> <description><![CDATA[Software piracy can be defined as unauthorized or illegal copying of software. Whenever a person purchases a paid computer software, he or she is provided with a license key for the same. The person can then activate it using the … <a href="https://dobobuynd.info/software-piracy-and-why-you-should-avoid-it.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Software piracy can be defined as unauthorized or illegal copying of software. Whenever a person purchases a paid computer software, he or she is provided with a license key for the same. The person can then activate it using the key whereby he or she becomes a licensed user of that software. Different software licenses have different usage limits though most of them allow you to install the software only on one system (i.e. a single computer) and you are allowed to keep a copy of the installation file only as a backup. However, some licenses allow usage of the software in up to 2-3 computers or on at times in a whole computer network (in case of corporate licenses). Many vendors also allow you to transfer the license for their software products from one computer to another. All such authorized installation of the software are called legal versions or licensed installations. But when you pass the same copy to your friends or reverse engineer it for multiple usage, then it becomes an illegal or pirated software.Many software companies are trying different ways to keep a check on piracy of their products. Most licenses nowadays are automatically attached to the motherboard or operating system which makes it impossible to be transferred to other computers without authorization from the vendors. Most software are also copy protected in recent times and require online activation. The companies have even started to employ anti-piracy agencies and methods to check and remove pirated copies from various websites including file downloading sites, warez sites etc. But even after all those precautions, most computer software are ultimately cracked and released to warez and illegal sites. As soon as a software is released, hackers start to reverse engineer the same and soon cracks are released to the internet.Software piracy is one of the biggest menace for the software industry and has resulted in loss of revenue worth billions of dollars. Though pirated software are mostly used by people who know about it being illegal but there are times when people use pirated copies of software without even realizing they are doing something illegal. These mostly occur when the computer shop or computer repair person installs pirated versions without clarifying or informing he same to the person who owns the computer. In recent years, a lot of awareness campaigns are being done by top software providers to let first time computer users know about the disadvantages and legal problems attached with using a pirated software. However, a lot more needs to be done to spread more awareness.It is our responsibility to follow ethical and legal means by purchasing only licensed software. By purchasing a legal license, we are not only rewarding the developers and supporters of the products for their quality and usage of the software but also helping in future development of the software. A significant portion of the revenue generated from any software goes into research and development which in turn would result in more features and stability in future versions of the software. So, the first and foremost reason for purchasing a legal license is that we can expect improvement in future versions of the software. Secondly, it is our moral duty to avoid a pirated software as the developers invest a lot of hard work and money in the development. So, they should be rewarded for the same. Thirdly, a pirated software is never going to be stable and updates are not available. Most pirated software have been seen to be susceptible to virus and malware compared to legal ones. So, a genuine and authorized version of the same results in mental peace as well as security and stability of your computer system. In case you are unable to afford it then you can always opt for open source or free software which can be legally downloaded and installed on your computer free of cost. As these are legal versions, you can also update it free of costs and thereby maintain security and stability of the same. Nowadays, most open source alternatives are comparable and at times even better than the paid software. If you are a developer then you can also reverse engineer the open source software and redistribute it as per your needs and in accordance with the license. And if you need additional features, you can purchase the paid versions when you can afford the investment. </p>]]></content:encoded> <wfw:commentRss>https://dobobuynd.info/software-piracy-and-why-you-should-avoid-it.html/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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