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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>dteamvnms.info</title> <atom:link href="http://dteamvnms.info/feed" rel="self" type="application/rss+xml" /> <link>https://dteamvnms.info</link> <description></description> <lastBuildDate>Thu, 27 Feb 2025 15:53:50 +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>What Are Your Cash Advance Pros And Cons?</title> <link>https://dteamvnms.info/52</link> <comments>https://dteamvnms.info/52#comments</comments> <pubDate>Tue, 18 Jul 2023 03:41:41 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Online payday loan]]></category> <guid isPermaLink="false">http://dteamvnms.info/?p=52</guid> <description><![CDATA[There are pros and cons to cash advances. They are great money options when the next paycheck is still a few days away. Getting some quick cash into the bank is a great way to cover costs without the hassles … <a href="https://dteamvnms.info/52">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> There are pros and cons to cash advances. They are great money options when the next paycheck is still a few days away. Getting some quick cash into the bank is a great way to cover costs without the hassles of juggling late payments. Making late payments without trying to prevent it is intentionally damaging your history with creditors. Not only are you risking your credit score, but being late will also put you at a high risk for having your interest rates inflated. What you do with one company will still put you in jeopardy with other creditors. Credit card companies will do “soft inquiries” into how you currently manage your bills. The soft inquiries will not take points off your score, but it will inform the creditors how your finances are recently handled. What you do with one company could possibly put you at risk of higher fees with another.A cash advance is a low cost way to prevent future problems. Credit cards backed by large banks are now charging interest rates similar of higher than online cash advance companies charge for their short-term loans. When a credit card company changes the rates, it will affect the whole balance, past purchases included. Maybe you remember that sale you took advantage of six months ago? The cost just went up with a sharp interest hike. Long-term payment plans are riskier to the borrower. There is more time allotted for problems to occur. These bill paying problems are interpreted to revenue for the lender. It is similar with online cash advances. They are set up to be paid off after 14 days or so. Extend the loan and the cost will rise with newly accrued interest. When a cash advance or payday loan is paid off on time, it is a cost effective way to support emergency costs.The biggest difference between pros and cons to any type of third money usage is usually determined by the total cost in the end. Debtors who pay credit card balances each month are saving loads in interest. Use any type of third party money wisely and always have a payoff plan prior to using it. Personal debt is a definite con within America.When it comes to solely looking at cash advance pros and cons, the answer is the same – only use them for a financial emergency. Unsuspecting costs arrive when you least expect it and more often when you have no funds to support them. They often come as a group. You know that saying, “When it rains it pours”? It seems like financial trouble fall right into that same puddle.Cash advance pros – fast money, no credit check, no fax availability, convenientCash advance con – high interest applied to the balance if not paid off on timeAs with any lenders, you will want to find one you are comfortable working with. There are aggressive lenders to found everywhere money transactions can be found. Look in the court system and you will find examples of bankers (including credit unions), mortgage lenders, car title loan dealers, sales persons and cash advance lenders under investigation for poor practices in some shape or form.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://dteamvnms.info/52/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>E-Commerce Website Development – Don’t Annoy Your Customers</title> <link>https://dteamvnms.info/50</link> <comments>https://dteamvnms.info/50#comments</comments> <pubDate>Mon, 10 Jul 2023 00:38:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dteamvnms.info/?p=50</guid> <description><![CDATA[These days, almost all businesses are being conducted online and this has lead to the rise in E-commerce websites. However, it is of utmost importance that you design and develop the website in a manner that it offers the opportunity … <a href="https://dteamvnms.info/50">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> These days, almost all businesses are being conducted online and this has lead to the rise in E-commerce websites. However, it is of utmost importance that you design and develop the website in a manner that it offers the opportunity to the clients to conduct business, without having to face too many hassles. Quite often, these hassles present themselves in the guise of complicated online forms or lack of relevant information.There are a number of companies ready to guide you through exactly all that you will be required to do for proper and structured E-commerce website development. A renowned E-commerce web development company can steer you through all the necessary dos and don’ts.Whether you choose an E-commerce web development company or decide to hire dedicated web developers, one thing is for sure; they will tell you how important it is not to create situations of your website that might annoy your clients. Apart from this, they will also educate you on methods of avoiding the same.In case you choose a good E-commerce website development company or also hire dedicated web developers, you will be advised to pay special attention to certain issues, such as:<br />Clients tend to dislike distractions or unnecessary surprises<br /> They tend to be impatient, which is why your website needs to load quickly<br /> It is essential that the website is updated on a regular basis, because the clients will want updated information on the products/services<br /> All relevant information regarding the product/service should be visible properly, and the clients should not have to look for it<br /> E-commerce websites, in particular, need to have simple and hassle free check out systems<br /> Many a times, clients will want to provide feedback, which is why there should some provisions for customer reviews<br />In case you are aiming at open source Commerce or osCommerce web development, you may even require the assistance of trained web developers. This online store-management software program can help you avoid online annoyances to a large extent. If you can afford to hire dedicated web developers, you can be ensured that your E-commerce websites will be designed and maintained with care and precision.While indulging in E-commerce website development, it is essential that you as well as the web developers keep all these points in mind; as these will ensure better results and higher opportunities for business. </p>]]></content:encoded> <wfw:commentRss>https://dteamvnms.info/50/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How To Compare Online Auto Loans</title> <link>https://dteamvnms.info/48</link> <comments>https://dteamvnms.info/48#comments</comments> <pubDate>Tue, 28 Mar 2023 15:48:30 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Online Auto Loans]]></category> <guid isPermaLink="false">http://dteamvnms.info/?p=48</guid> <description><![CDATA[Are you someone who wants to buy a new automobile but you cannot seem to scrape the finances together to do it? If so then you are not alone as there are many people out there who are in the … <a href="https://dteamvnms.info/48">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Are you someone who wants to buy a new automobile but you cannot seem to scrape the finances together to do it? If so then you are not alone as there are many people out there who are in the same boat and they just do not know what options are available to them. Luckily enough, you may be able to qualify for an auto loan that will lend you the money to get the car that you want.When it comes to getting an auto loan, it can be a stressful task trying to find one that gives you the best deal possible. A lot of people out there may not have the first idea where to start and they may end up just settling with the first auto loan that they see. A great way to do this is to apply for an online auto loan, as the benefits include the fact that it can be done from the comfort of your own home and it is usually fairly quick and simple too.How can you compare online auto loans?The beauty of the internet is that it often makes it easier to find companies that offer auto loans. There are many auto loan comparison websites out there that will allow you to enter your details and then they bring up companies which may be able to offer you this type of loan.By comparing each company and their rates, you can then see which one would be best suited to you. This makes looking for this type of loan a lot easier than going into a lot of companies direct and sometimes they may have deals online that they may not have anywhere else. The beauty of it all is that by applying online, you can usually get a quick decision and you do not have to deal with people giving you a sales pitch and everything else that goes along with it.If you see a loan that you like, before you agree to everything make sure that you understand the plan thoroughly. This is because the deal and the rates may be enticing, but there could be hidden charges that you are not fully aware of. Also with each auto loan, make sure that you consider all of the options and discuss the pros and the cons with each.As well as knowing how much you want to borrow, you need to consider about the interest rates and how long you will be repaying it back for. As well as this, you will also need to consider whether you need to take out a payment protection option with the auto loan as this will bump up the charges even further if you do.But one danger here that many consumers are not aware of – you should not go to a whole bunch of auto loan places and apply for a loan within a short period of time. What happens is that in order to process your loan request, they will pull a credit report on you, and that fact will be recorded by the credit reporting bureaus. If you have a lot of credit inquiries for a loan on your credit report over a short period of time, this is a warning sign to lenders and you may not get the best rate possible, so use a certain amount of discretion instead of applying to each and every one that you find.So if you are considering getting an online auto loan, it is a good idea to compare all of the loans out there and then see which one will be best suited to you. Make sure that you shop around for the best deals on the internet, but you should also consider the fact that an online auto loan may not be the best option all of the time. This is why you should consider every option that is out there to make sure that you are making the right decision for you. </p>]]></content:encoded> <wfw:commentRss>https://dteamvnms.info/48/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Help in Getting an Auto Loan When Bankrupt</title> <link>https://dteamvnms.info/45</link> <comments>https://dteamvnms.info/45#comments</comments> <pubDate>Tue, 28 Mar 2023 13:38:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Auto Loans]]></category> <guid isPermaLink="false">http://dteamvnms.info/?p=45</guid> <description><![CDATA[To get an auto loan with bankruptcy some steps must be followed before looking for a loans. You should get your credit report that contains your credit history. Make sure that your credit accounts listed are accurate and there are … <a href="https://dteamvnms.info/45">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> To get an auto loan with bankruptcy some steps must be followed before looking for a loans. You should get your credit report that contains your credit history. Make sure that your credit accounts listed are accurate and there are no open accounts that should have been closed. It is advised to add a small page that explains what caused the bankruptcy. In case of real mishap like medical emergencies that caused debt which resulted in bankruptcy the lender may give you better interest rates than in normal bankruptcy conditions.Plan Your Car Purchase<br />Before a person with bankruptcy goes out to search for an auto loan he must make sure how much he can manage to pay as monthly installments. This will determine which deal in the market he should opt for. The amount and the period in which the repayment must be done are used to calculate the monthly payments. Do the math and find out which loan gives you affordable loan payments.Restrictions in Auto Loan after Bankruptcy<br />Some restrictions or points that lenders stress are also faced by the unfortunate bankruptcy affected person. The first thing is that the bankruptcy should be discharged before lenders should give the loan. To be eligible for the bankrupt borrower must have minimum gross $1,500 income if his score is below 625. There should not have had any repossession in previous year.The age limit is 18 and person should be a US resident if that person is in America. Down payment may be required as well because after bankruptcy auto loans are 8 times the persons monthly income. For instance, if the earning is $1,500 than the auto loan given is $12,000. The monthly payment should remain within 20% of the monthly earnings.Reason for Above Restrictions<br />These restrictions for auto loan are enforced so that the already bankruptcy affected person must not fall in unmanageable debt problems and the lender is also protected. The interest rates on auto loans also vary according to the risk involved in lending and car chosenUse a Car Loan Lender<br />The car loan lenders can be helpful to find you an auto loan. These lenders work with financial institutions and give loans to the people. Online auto loans lenders are a better option as you can find better deals than the local loan dealers. Interest rates on the internet range between 5.7% and 7.2%. The online company want the borrower to go through an authorized dealer which is necessary for lending to a bankrupt person.Explain Your Situation<br />The auto loan application asks that why bankruptcy occurred. Don’t hesitate in telling and elaborate the problems that caused you the big financial set back. Tell them how you have now planned your finances to resolve your financial crisis. Do include improvement in the credit score.Consider Refinancing<br />When you get a car loan you must look to refinance in future as well. In some years if you are regular in payments you will qualify for lesser interest rates.<br />Bankruptcy does have a lot of disadvantages over a person’s financial life. The biggest one is being unable to find low interest unsecured loans easily. Without a car a person really becomes crippled in a sense that he can not move freely in big cities not even a single town. With bankruptcy it becomes even difficult to get an auto loan.To get an auto loan with bankruptcy some steps must be followed before looking for a loans. You should get your credit report that contains your credit history. Make sure that your credit accounts listed are accurate and there are no open accounts that should have been closed. It is advised to add a small page that explains what caused the bankruptcy. In case of real mishap like medical emergencies that caused debt which resulted in bankruptcy the lender may give you better interest rates than in normal bankruptcy conditions.Plan Your Car Purchase<br />Before a person with bankruptcy goes out to search for an auto loan he must make sure how much he can manage to pay as monthly installments for the loan. This will determine which deal in the market he should opt for. The amount and the period in which the repayment must be done are used to calculate the monthly payments. Do the math and find out which loan gives you affordable loan payments.Restrictions in Auto Loan after Bankruptcy<br />Some restrictions or points that lenders stress are also faced by the unfortunate bankruptcy affected person. The first thing is that the bankruptcy should be discharged before lenders should give the loan. To be eligible for auto loan the bankrupt borrower must have minimum gross $1,500 income if his score is below 625. There shouldn’t have had any repossession in previous year.The age limit is 18 and a person should be a US resident if that person is in America. Down payment may be required as well because after bankruptcy auto loans are 8 times the person’s monthly income. For instance, if the earning is $1,500 than the auto loan given is $12,000. The monthly payment should remain within 20% of the monthly earnings.Reason for Above Restrictions<br />These restrictions for auto loan are enforced so that the already bankruptcy affected person must not fall in unmanageable debt problems and the lender is also protected. The interest rates on auto loans also vary according to the risk involved in lending and car chosenUse a Car Loan Lender<br />The car loan lenders can be helpful to find you an auto loan. These lenders work with financial institutions and give loans to the people. Online auto loans lenders are a better option as you can find better deals than the local loan dealers. Interest rates on the internet range between 5.7% and 7.2%. The online company want the borrower to go through an authorized dealer which is necessary for lending an auto loan to a bankrupt person.Explain Your Situation<br />The auto loan application asks that why bankruptcy occurred. Don’t hesitate in telling and elaborate the problems that caused you the big financial set back. Tell them how you have now planned your finances to resolve your financial crisis. Do include improvement in the credit score.Consider Refinancing<br />When you get a car loan you must look for auto loan refinance in future as well. In some years if you are regular in payments you will qualify for lesser interest rates. </p>]]></content:encoded> <wfw:commentRss>https://dteamvnms.info/45/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Fashion Fiesta Wrapped In A Week</title> <link>https://dteamvnms.info/43</link> <comments>https://dteamvnms.info/43#comments</comments> <pubDate>Tue, 21 Mar 2023 09:39:58 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dteamvnms.info/?p=43</guid> <description><![CDATA[Creative sensational from different parts of the world taking style, beauty and definition of fashion to its edge, promotional linchpin of a multibillion-dollar industry, I am talking about nothing else but Fashion Weeks. Fashion weeks are hallmarks of fashion industry … <a href="https://dteamvnms.info/43">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Creative sensational from different parts of the world taking style, beauty and definition of fashion to its edge, promotional linchpin of a multibillion-dollar industry, I am talking about nothing else but Fashion Weeks. Fashion weeks are hallmarks of fashion industry to rollout the new season feel in fashion. They generally last up to a week allowing fashion designers, artists and fashion houses to display their latest collection. It hallmarks next seasons in things, that’s why it is very important for buyers, media, celebrities and entertainment industry who take that fashion among the general public.The most famous fashion weeks are held at Fashion Mecca Paris, Milan, London and New York. Since the new millennium fashion weeks are held in different parts of the world to put the local fashion on the world map and making a packed fashion calendar throughout the year. A refreshing sense of national identity and pride has emerged from the achievements of fashion sector – something that was otherwise traditionally been restricted to feats of sporting prowess, adding that its benefits go well beyond the fashion world (Emling 2006).Fashion weeks are held several months in advance giving chance to designers, media and buyers to preview the trend for the next season. Fashion weeks are bi-annual events; the fashion weeks conducted between January and March are called “fall fashion weeks” whereas the one conducted in September through November are called “Spring Fashion Weeks”. Some fashion weeks can be genre-specific, such as a Miami Fashion Week (Swimwear), Prêt-a-Porter (ready-to-wear) Fashion Week, Couture (one-of-a-kind designer original) Fashion Week, Palm Springs Fashion Week (Resort Collections) and Bridal Fashion Week.HistoryOmission of fashion week history would be curious at this point of time. Let me throw some light on that. Edna Woodman Chase–former editor of Vogue organized “Fashion Fete,” in 1914 to benefit the war-relief effort which is often apocryphally called the first fashion show ever. By the 1920s, the fashion show had gone mainstream. Early shows were often more theatrical than those of today. </p>]]></content:encoded> <wfw:commentRss>https://dteamvnms.info/43/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Credit Image – A New Test For Students</title> <link>https://dteamvnms.info/41</link> <comments>https://dteamvnms.info/41#comments</comments> <pubDate>Mon, 20 Mar 2023 14:17:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dteamvnms.info/?p=41</guid> <description><![CDATA[Class rank and GPA’s were once the ticket to graduation and a successful career. But times have changed! Your credit image is now an important key to your future. You may be a student in your 20′s or someone with … <a href="https://dteamvnms.info/41">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Class rank and GPA’s were once the ticket to graduation and a successful career. But times have changed! Your credit image is now an important key to your future. You may be a student in your 20′s or someone with significant life experience who has returned to school. Either way, you are never too young or too old to establish a strong credit image. In the past, credit was extended based on personal knowledge of you and your reputation. Not anymore! Today, your personal reputation has been replaced by a credit report/score.Your credit image is a snapshot (like a photograph) of your credit worthiness at a fixed moment in time. This credit image is how you look to others who are making decisions about you. It determines what interest rates you are offered, and affects many other decisions made by credit card companies, lenders, landlords, employers, insurance brokers, utility and cell phone companies. Your credit image can also impact private student loans. Establishing and building credit in today’s current economy isn’t easy and can be very confusing without understanding where to begin.How Credit Scores WorkThe most important contribution to your credit image is your credit score. Understanding what makes up the score will give you an edge on how to manage your credit image and make good credit decisions along the way.To date, the most widely used credit score is a FICO score (designed by Fair Isaac Corporation). This score ranges from 300-850, broken down as follows:35% – Payment History: Making payments on time is the most critical part of building a credit score. Delinquent payments can stay on your credit report up to seven years. They can cost you higher interest rates, over-the-limit charges and late payment penalties – not a good use of your money.30% – Amounts Owed: When possible, keep balances to 30% or less of available credit. This is called your balance to limit ratio. You may spend more, but always keep your balance carried each month under 30% of your credit limit. Make more than the minimum payment to help build a strong score and credit image.<br />15% – Length of Credit History: Considers how long you have had loans or credit cards. This may be one of your weakest areas if you have just started establishing or re-establishing your credit.10% – New Credit: A reasonable amount of new accounts established over time will help increase your score. However, too many new accounts in a short season of time can raise concern. For example, you’ll want to seriously consider whether applying for three new department store cards will serve your longer term goals. Too many “hard inquiries” required to grant credit can lower your score for up to two years.10% – Types of Credit Used: Diversity of account types shows lenders and others viewing your credit image that you can manage different types of credit. The scoring model looks for credit cards, revolving credit such as department store cards, installment credit such as auto loans, and mortgages.Where to BeginFirst, pull your free credit reports. When you see “free” credit scores, beware there is a catch. Many times they request your credit card or banking information for the “free” trial or to take their surveys which could be profiling you for other services. You normally pay a fee to retrieve a credit score, although individual credit reports are free. Go to annualcreditreport.com and request all three credit reports – one from each of the major credit reporting agencies: Experian, Equifax and TransUnion. In California, credit reports are offered free of charge once annually. (Some states offer free credit reports more often than once a year).You may have never applied for credit before; yet, if you have held a job you will have a credit report even if it only shows your personal information (name, birth date, social security number, current address and employer). It’s possible there are reported inaccuracies. Scarier yet, someone may have used (or attempt to use) your personal information and identity for their personal credit use. Review all three reports very carefully. Immediately address all inconsistencies or inaccuracies with the credit reporting agency, disputing all incorrect information.What NextGoals and Objectives: Determine your goals and objectives. Do you need to establish credit or possibly re-establish it (short-term goal)? Are you considering a major financial purchase like a house or car, or landing your dream job after graduation (long-term goal)?Banking: Open a checking and savings account with a banking institution. When deciding on a bank you may want to seriously consider a credit union. They typically offer lower interest rates on credit cards, car loans and mortgage loans when you are ready to establish credit lines.Installment Payments: A good way to help you build credit payment history is making timely installment payments like a car loan. At first you may not qualify on your own to finance a car; yet, if a parent is purchasing a new or used car for you, discuss the possibility of placing your name on the auto loan as a co-signer. That way you will both get credit for making payments on the loan.Credit Cards: After establishing a banking relationship for six months or more, consider applying for a bank credit card. If you don’t qualify for your own credit card, a parent or someone who has good credit might consider adding you as an authorized or joint user to their existing credit card. An authorized user doesn’t always have the history from a credit line reported to their credit reports but a joint user (who assumes joint liability for the debt) does. A secured credit card is another alternative. Normally these types of cards have different requirements such as a deposit of $300 to $500. Before applying for a secured card, check the fees to see if they are fair and reasonable. Do they report your credit card activity to the credit reporting agencies? After a year or two will they allow you to convert to a regular credit card? Will you receive your deposit back?Beware of the credit card companies that target students at universities. Be wise – read the fine print and ask yourself first, why you are applying or accepting the credit card being solicited. Do not be swayed by the free item they are giving away if the terms and conditions are not reasonable. Once you have been accepted, be mindful to live within your means. It can be very tempting to spend now and pay later but “later” can be a very long time, impacting your life for many years.Other Things to ConsiderEstablishing your credit image is not just a one time effort. Continued vigilance and maintenance pays off. In this competitive economy, be aware of other areas of concern that may impact your credit image.Digital Dirt: There is a rise in employers who “Google” prospective job candidates. They are possibly using this as an inexpensive way to do a background search on you. This type of search is not covered under the Fair Credit Reporting Act (FCRA). This law only protects you if an employer uses a third-party screening company to conduct a background search. The prospective employer may search to find if you are connected to any social networks like Facebook, MySpace, Twitter, and/or have your own website or blog. Be careful what you publish on the internet and mindful of the impression it creates. Once in cyberspace, information can exist forever and go before you and your next job interview.Student Loans: As you wind down your education, keep these things in mind that will affect your credit score. Six months after graduation (or you are no longer in school full time) your loans become due. Unless you are in a position to pay the monthly payment, know how the terms of your loan work. You may want to consider deferring the loans for a short period of time by continuing your education past the date of graduation or applying for some other type of deferment long enough to get your living expenses and wages in order. Remember that 30% of your credit score is based on your balance to limit ratios and this includes student loans being reported to the credit bureaus. By making regular, timely payments, your loans will continue to build your credit image.Employment: More and more employers are using credit checks as part of their employee screening process. “People are being turned down for jobs on the basis of things that really have nothing to do with qualifications.”* While we are concerned about the inappropriate use of credit reports and scores, this is a growing reality that students must take into consideration when planning a job search.ConclusionOnce you have established your credit image, regular maintenance is critical. Review your credit reports at a minimum yearly, pay your bills on time, monitor your student loans and use credit wisely. A strong credit image will go before you to pave the way for your future success.*New York Times, August 7, 2009 http://www.nytimes.com/2009/08/07/business/07credit.html </p>]]></content:encoded> <wfw:commentRss>https://dteamvnms.info/41/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Passive Investment Income</title> <link>https://dteamvnms.info/38</link> <comments>https://dteamvnms.info/38#comments</comments> <pubDate>Mon, 20 Mar 2023 12:35:30 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dteamvnms.info/?p=38</guid> <description><![CDATA[What are some ways a person can generate passive investment income? There are a number of ideas about it. Everyone has his own ideas about which one can be a passive investment income. We should have our own choice of … <a href="https://dteamvnms.info/38">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> What are some ways a person can generate passive investment income? There are a number of ideas about it. Everyone has his own ideas about which one can be a passive investment income. We should have our own choice of investment. The wealthy, the marginalized, and the middle class people differ in their own preferences about investing their money. Now, let’s compare ways and opportunities according to some considerations such as safety, profitability, and also liquidity.Safety means that your investment and the income are stable. The money that you invest could be prone to the changing market condition, economic slowdown, and social unrest. The point is that your passive investment income should always be there. In that case, it is safe to invest.On the other hand, profitability is what we usually consider when we invest. We are supposed to believe that what is profitable is ideal. That’s right. But is it risky? Is my money stuck? Obviously, everyone would go for whatever gives them profit. Whenever we consider gains, the highest amount is always the best passive investment income. What we should consider here should not have been about the top gainers only. It’s should also be the safer ones.Another significant factor that must be considered is liquidity. Let us suppose that we earn very attractively from our safe investment. What does that mean to us anyway? When you are ready to use your fund because you really need it and that’s the reason why you invested, is it possible to convert it to cash now? If there is no liquidity, our passive investment income is only an imagination. You would become wealthy only in your dreams. Liquidity is not only about the comfort of making a withdrawal. It is also about how smooth it is to invest.Now, here are three kinds of investment we may consider whether which passive investment income is better for us. So, let’s talk about three kinds of portfolios such as business, stocks, and real estate.Business is a personal activity that deals with economic factors that determines future gains. It is the chemistry of work and investment. This means that a businessman does not only wait for passive income, he should also work for it. Therefore, it is an active income and at the same time passive.In the aspect of safety, business is not that safe. It is exposed to economic cycle. Businesses are under the supply and demand law. If the demand for their goods has been increasing, the price will also increase, and so will the supply. As time goes by, the demand will influence the supply to increase more. So if the supply is much greater, it will then influence the price to decrease. Consequently, businesses are getting more unstable and their future is turning gray. But, businesses may also get more resilient. As this type of investment is a little active, the active control of a businessman can manage a worse situation. Therefore, these two characters of investment regulate the cycle. Because of this, business becomes good. It is definitely a good example of passive investment income when it comes to safety.In stock market, it’s the other way around. Safety is a very controversial issue here. Obviously, the risk involved here is very high. But the potential return is high, too. Passive investment income is more common in stock trading. Therefore, your income here is not the product of your active participation in the company. It is the product of your decision.In the area of real estate, the lesser amount you invest, the safer it is. The bigger the investment you have, the riskier it becomes. But land alone is considerably not risky. The reason why real estate becomes a little risky is because the cost of structural materials is getting higher. Structural materials are also subject to the law of supply and demand. So, if we only rely on land for passive investment income by renting it out, our passive income will not be affected by any price fluctuation. Aside from that, structures depreciate over a period of time. Therefore, investing in real estate can be risky or safe depending on the kind.In terms of profit, it is more attractive in business. In some businesses, you have to spend time before you earn regularly. Usually, the profit is negative especially if they are just beginning to operate. They should promote their brands and strengthen themselves in the market. When the consumers buy their goods, passive investment income begins. On the other hand, other businesses are doing well in the beginning of the operation. During the first stage, their sales shoot up. Subsequently, they grow very early. As time goes by, consumers get sick and tired of their goods. Consequently, these businesses reduce their passive income. Nevertheless, what is nice about business is the resilience to catch up with the competition. In business, the consistency of income is stable. One more advantage in business regarding this is the petty cash. Passive investment income in business need not come after a fixed cycle like that in stocks. There is always readily available petty cash.On one hand, profit potential in stock investing is definitely high. As the character of stocks is risky, risk appetite causes the value of stocks to go up quickly. On the other hand, risk aversion and profit taking in the intraday trading can cause the value of stocks to go down quickly, too. Risk management in the stock market depends on the traders. Speculators enjoy their passive investment income from the price volatility while non-aggressive traders and investors get their passive investment income from dividends. Therefore, we can’t rule out the risk nature of stocks. When we gauge the balance between the energy we exert and the profit we earn, investing in stocks could be the most attractive one. We must not forget that passive investment income is an income that we could get without extra effort. If stock market really offers this potential, it must be a better option for passive investment income.In real estate, how can we have a passive investment income? There is no doubt that one may enjoy his passive investment income in real estate without extra effort. The point is whether or not the ratio of profit is balanced with the investment. Surely, we can gain in real estate primarily because the usual investment is big as well. But always remember that you should pay the capital gains tax annually. This might explain why landlords do not solely rely on renting out their lots. Hence, land is usually developed to optimize the gains. Regarding the actual amount of gains, real estate could guarantee a better passive investment income. Therefore, we should really consider the ROI.In terms of liquidity, it is somewhat less in business. Of course, liquidity still exists. However, much time is spent to put up a business, to start gaining, and even the time it takes to stop operating. Although the period of time executing all these can be determined according to a business plan, the process is still slower depending on the kind of business. Retail businesses are quite liquid whereas manufacturing industries are not.Among the common types of investments known to many, investment in stocks is the most liquid one. You can open and close an investment account at your convenience. Moreover, you may select any available stock you wish to invest in. If you wish to have exposure in stock market, to take profit, or to pull out your investment, it won’t take that long. You may do so at any given time wherever you may be.On the contrary, liquidity is a big problem in real estate. In business, there are still ways to determine it, but hardly in real estate. Usually, it is like a game of chance to sell even a small house and lot. Thus, investing in real estate, earning passive income, and even pulling out your investment will never occur overnight. It won’t matter if it doesn’t affect productivity. For instance, you have found a better opportunity that needs quick decision. Then, you think it best to change your existing investment into such a new one. Perhaps, before you are able to pull out your investment from real estate, your commitment to others will have already been canceled. In similar case, you might get stuck.These are some ways a person can generate passive investment income. Whether you wish to invest in stocks, real estate, or business, you can always find an opportunity to generate passive investment income. </p>]]></content:encoded> <wfw:commentRss>https://dteamvnms.info/38/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Unique Entertainment For Your Corporate Event</title> <link>https://dteamvnms.info/35</link> <comments>https://dteamvnms.info/35#comments</comments> <pubDate>Sun, 26 Feb 2023 15:32:08 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dteamvnms.info/?p=35</guid> <description><![CDATA[A successful corporate event will require the consideration of a number of factors. From the venue to the food and even the amount of guests to arrive; every aspect requires thorough planning in order to help the overall success of … <a href="https://dteamvnms.info/35">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> A successful corporate event will require the consideration of a number of factors. From the venue to the food and even the amount of guests to arrive; every aspect requires thorough planning in order to help the overall success of the evening. An often overlooked aspect of corporate events is the entertainment. With a wide range of event planning services at our disposal, it can be easy to allow an external company to run ahead with every aspect of our special event. However, this can often have disastrous results if our guests are not correctly catered for.When choosing entertainment for your corporate event, you need to ensure that your performer is not only suitable for your event, but that their presence will help to create a fun and happy atmosphere for all involved. In some respects, the entertainment can even be the one aspect that ‘makes’ the evening for some guests.There are a wide number of entertainers you can choose from for your event, such as magicians and live musical acts. However, over recent years, comedians have grown in popularity for corporate events as a more unique form of entertainment. Not only can a quality comedian provide the level of entertainment you require for your event, but they can help to make the event more memorable for your guests thanks to audience participation and additional aspects of their act such as singing and puppetry. What’s more, should you comedian be well chosen and a hit with the audience, it can also help to cement your reputation as the event planner.Depending on the purpose of your corporate event, the entertainment may be a crucial part of the night, meaning that it is essential that you hire a comedian who is not only available and within your budget, but also one who is appropriate for the intended audience and willing to cater for your needs. So, whether the occasion is informal or formal, there are a number of considerations you should make when choosing your entertainer.Being a corporate event, you will need to ensure that your chosen comedian is one who specializes in performing family-friendly comedy. Although there may be some guests who enjoy more extreme comedy, comedy does not need to be crude or offensive in order to be funny. To eliminate any offence caused to your guests, it is important that your comedian either specializes in suitable comedy, or is willing to devise a performance that caters for this requirement. Always arrange to see a preview of their performance before hiring them to be sure of this fact.The details of their performance are also important. Whereas some comedians perform simple stand-up comedy, many are renowned for combining a number of creative outlets such as singing and props in order to enhance their routine. By identifying what the likes and dislikes of the guests will be, you will be more able to decide which type of performance will suit your corporate event best. </p>]]></content:encoded> <wfw:commentRss>https://dteamvnms.info/35/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Currency Trading Systems – Making Money from the Longer Term Trends</title> <link>https://dteamvnms.info/33</link> <comments>https://dteamvnms.info/33#comments</comments> <pubDate>Sun, 05 Feb 2023 23:41:09 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[company]]></category> <category><![CDATA[Exchange]]></category> <category><![CDATA[forex]]></category> <category><![CDATA[Investor]]></category> <category><![CDATA[Market]]></category> <category><![CDATA[Traders]]></category> <guid isPermaLink="false">http://dteamvnms.info/?p=33</guid> <description><![CDATA[Currency markets never sleep and several trillions dollars are traded everyday, making currencies the world’s biggest and most exciting investment market.In recent years, mechanical currency trading systems, using technical analysis to predict trend movements have become increasingly popular as a … <a href="https://dteamvnms.info/33">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Currency markets never sleep and several trillions dollars are traded everyday, making currencies the world’s biggest and most exciting investment market.In recent years, mechanical currency trading systems, using technical analysis to predict trend movements have become increasingly popular as a way of locking into, and profiting from the longer term currency trends.Making Money from the Longer Term TrendsCurrency trading systems are ideal for making profits from longer-term currency trends, and they occur in all currencies.<br />The longer-term trends in FOREX markets reflect the health of the economy.As economic cycles are relatively long and take years, so do the currency trends that reflect these cycles.A good currency trading system can enable traders to lock into, and make profits from these longer-term trends.When choosing currencies to trade, it is important to have good long-term trends, but just as important is liquidity, which enables traders to lock in profits and exit losing trades quickly.Currencies that offer good trends and liquidity include:· The US Dollar· Swiss Franc· Euro· Japanese Yen· British Pound.Currency trading systems remove emotions from trading, which is the major reason the majority of traders end up losing.Removing the Emotion from Trading with SystemsThere has been plenty of material written about using currency trading systems, and the works below provides informative reading for anyone thinking of using a currency trading system.Traders should try to read the following authors:Edwin Lefeurve, Jake Bernstein, Larry Williams, Ken Roberts, Van Tharpe and Jack Shwager whose books “Market Wizards” and “The New Market Wizards” interview some of the most successful traders of all time, including the “turtles”. The Turtles are group of traders who had no prior trading experience, but went on to earn hundreds of millions of dollars, using very simple mechanical trading systems.Currency Trading Systems that Make MoneyThe developments in recent years in computer software, the growth of the Internet, and online trading, has seen currency trading systems become more popular than ever.Software Packages such as Tradestation, Supercharts, Omni trader, and many more, allow traders to back test systems, using a variety of technical indicators that include:· Stochastics· Bollinger bands· RSI· moving averages· ADXAnd many more.The currency trading system picked can then be analyised, to see how it would have performed in the markets with commissions and slippage deducted.Traders, who don’t want to develop a currency trading system, can buy systems off the shelf from vendors.How do you Choose a Successful Currency Trading System?If you are buying a currency trading system, there are several things to consider before parting with your hard earned cash:1. Are you interested in being a day trader, or a trader looking for longer-term trends? You need to pick a system that you’re comfortable with and this is mostly down to personal preference. Some traders like the excitement of day trading others prefer a longer-term approach.2. Do you want to have any input into the system, or do you want it to be totally mechanical?3. Do you want to trade just one currency, or a basket of currencies? Using a currency trading system that trades just one currency can be more profitable but keep in mind, the converse is true, i.e losses and drawdowns can be larger.4. When choosing a currency trading system you need to have confidence to trade with it, and follow the system through losing periods. To do this you should know the logic the system is based upon. If you understand the system and its logic, you will derive confidence and be more likely to follow it – in contrast to one where the logic is not revealed.5. What are the average profits you can expect in relation to drawdowns? All currency trading systems will have periods of drawdown and losses. Generally the larger the profits the bigger the drawdowns tend to be over time – so pick a system that reflects your investment aims and risk tolerance.6. When you are buying a currency trading system, check out the system seller’s experience, track record, customer support, – and whether they have a real-time track record, or a hypothetical one.A real time track records means the system has performed in the market and made money, i.e it’s proven. Trading systems that simply rely on hypothetical track records mean they have been back tested, – and with the benefit of hindsight we can all make money!While hypothetical track records should be treated with a degree of caution, you can find out a lot about whether the system is likely to make money, by knowing the logic the system is based on.When considering a hypothetical track record, look for one where the logic is revealed and not a “black box” system where you have no idea how to system works.In conclusion, you can make your own currency trading system, or you can buy one from a vendor – when choosing one from a vendor make sure you do your homework, and remember – if it looks too good to be true, it probably is!Currency trading systems can, and do make money, and the effort you put into finding the system that suits your personality, risk tolerance, and profit objectives, will be time well spent. </p>]]></content:encoded> <wfw:commentRss>https://dteamvnms.info/33/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Is Persistence All it Takes to Be Successful in a Home Based Business?</title> <link>https://dteamvnms.info/30</link> <comments>https://dteamvnms.info/30#comments</comments> <pubDate>Sun, 05 Feb 2023 03:21:25 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[accounting]]></category> <category><![CDATA[business]]></category> <category><![CDATA[companies]]></category> <category><![CDATA[google]]></category> <category><![CDATA[near me]]></category> <category><![CDATA[offices]]></category> <category><![CDATA[restaurant]]></category> <category><![CDATA[sale]]></category> <category><![CDATA[services]]></category> <guid isPermaLink="false">http://dteamvnms.info/?p=30</guid> <description><![CDATA[In today’s Home Based Business environment we hear all too often that “the key to success is persistence.” We hear, “Just keep at it”, “do it, do it, just do it.” Over and over again the mantra is to be … <a href="https://dteamvnms.info/30">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> In today’s Home Based Business environment we hear all too often that “the key to success is persistence.” We hear, “Just keep at it”, “do it, do it, just do it.” Over and over again the mantra is to be persistent.There are a million plus stories of people who have failed in their home based business because even though they were indeed persistent, they were primarily persistent at doing the wrong things and not nearly as persistent at doing the right things.There are many things one must do correctly to have a successful home based business or any business for that matter. In this article we will discuss three of those things; Marketing, Training and Retaining.The first thing the successful home based business owner must be involved in and become an expert at is marketing. We must not only market our business and our products but we must become masters at marketing ourselves. We are usually conscious of the need to market our business and product but we often fall woefully short at marketing ourselves. The home based business owner should constantly work towards establishing themselves as an expert in their chosen field. People always want to work with an expert. In the minds of our customer/client we should strive to establish ourselves as experts. One important note is that a person’s view of us is subjective. Meaning that, to them, we are what they think of us. If they view us as an expert, then that is who we become to them. So our marketing must go beyond product and extend to our person.Second the home based business owner must always be training. No matter what level of success we reach we should continually strive to be better. Just because everyone thinks and says I have the greatest widget is not reason enough for me to not try to build a better widget. Imagine if those who trail-blazed the path while building what we now know as the internet were content with their original product. Imagine if Henry Ford was content with the Model T. Think where Sara Lee would be if she only wanted to bake an apple pie. We must always be learning and expanding our knowledge. Not just for ourselves but also for those who work for us and with us.And lastly, for this discussion is the area of retention. This step can add just as much value to a business as the others but is perhaps the most misunderstood and hardest to achieve. In today’s society of “give it to me now” we focus far too much attention on pleasing our customer today and not nearly enough attention making sure that our customer returns. Not only should the home based business owner work hard to please today’s customer but just as hard to make sure they return. What is required to retain the customer/client will vary. The focus should be to get them to return.So in answer to the question, “is persistence all it takes to achieve success.” The answer is a resounding NO. Persistence is a necessary ingredient but we must be persistent in doing the right things the right way. Marketing, training and retaining will help push us towards our desired goal.To learn more strategies to help keep your home based business out of hot water, see my link below. </p>]]></content:encoded> <wfw:commentRss>https://dteamvnms.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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