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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>dugegoums.info</title> <atom:link href="http://dugegoums.info/feed" rel="self" type="application/rss+xml" /> <link>https://dugegoums.info</link> <description></description> <lastBuildDate>Thu, 27 Feb 2025 15:58:26 +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>Limit Spending Without Overusing Cash Advances and Credit Cards</title> <link>https://dugegoums.info/49</link> <comments>https://dugegoums.info/49#comments</comments> <pubDate>Tue, 18 Jul 2023 03:42:24 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Online payday loan]]></category> <guid isPermaLink="false">http://dugegoums.info/?p=49</guid> <description><![CDATA[Falling into cash advance online debt from doing shopping is not going to help your finances. Using short-term loans to pay for gifts beyond normal budgeted means will only cause further problems. The desire to have more than afforded runs deep this time of year. Call it “keeping up with the Jones” or lack of [...]]]></description> <content:encoded><![CDATA[<p> Falling into cash advance online debt from doing shopping is not going to help your finances. Using short-term loans to pay for gifts beyond normal budgeted means will only cause further problems. The desire to have more than afforded runs deep this time of year. Call it “keeping up with the Jones” or lack of self-control to purchase everything on “wish list” but there are some ways to help yourself when creating a New Year’s budget without backlash to finances.* Make a plan for spending. The sooner you create it, the better. It is never too late to try to control spending. Break down the shopping into categories and give each one a limit. Stick to the plan! Shop around for the best deals and avoid impulse purchases that go over the set amount.* Limit credit card use. When the budget is planned, utilize income to help keep from overspending. If credit is necessary, try to use ones with lower interest. Be careful not to use up all the allotted balance as doing so will reflect negatively on credit reports. Stay clear of using short-term loans like cash advances or payday loans which will have a payoff expected in just a few short weeks.* Don’t fall into special credit card offer deals. Companies will promote incredible incentives to lure new loan applications. It is a perfect time of year to trap customers into falling further into debt. A good deal is not such a good deal in the long run if it takes years to payoff.* Layaway programs work well for those working with a strict budget. Pick up the item, the store will hold it until it is paid in full. Make payments towards the purchase with no negative effects on credit. There will be no interest or fees attached to payments. A layaway program gives a consumer the chance to pay over time (ahead of time) instead of using a credit card or a cash advance and pay interest and/or fees for using third party money.* Get creative with any gifts you may need to buy this year. Purchase a gift card and make something at home to go along with it. Whether baking, card making, or photography is a hobby; utilize talents to spruce up and personalize purchased gifts. These personal gifts are often the ones most treasured.* Make a new plan for family holidays. Draw names to limit how many gifts need to be purchased. Set a budgeted amount that everyone must follow to keep the fun on the same playing field no matter what income level people are at.With so many people in the country looking at hard financial times, overspending unnecessarily is a concern for the majority of the population. Utilize as many options to spend less this year in order to keep the savings from any merchant sales a true savings. Just because there is money available on credit cards or through easy applications for cash advances online, it doesn’t make financial sense to use it just because it is there.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://dugegoums.info/49/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Advantages E Commerce May Have For You</title> <link>https://dugegoums.info/47</link> <comments>https://dugegoums.info/47#comments</comments> <pubDate>Mon, 10 Jul 2023 00:39:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dugegoums.info/?p=47</guid> <description><![CDATA[The advantages E commerce has are not only to do with broad economics or with “society at large” — they are actually great personal advantages enjoyed by many otherwise ordinary people lucky enough to have discovered that the internet is probably the developed world’s greatest “golden opportunity.”E commerce, as it involves these people, is a [...]]]></description> <content:encoded><![CDATA[<p> The advantages E commerce has are not only to do with broad economics or with “society at large” — they are actually great personal advantages enjoyed by many otherwise ordinary people lucky enough to have discovered that the internet is probably the developed world’s greatest “golden opportunity.”E commerce, as it involves these people, is a defined, essentially simple set of activities which almost anyone can perform to generate increasing streams of money — from the comfort of their own home, or, after a while, their castle, if they so prefer! E commerce provides a very convenient, time-freeing and financially rewarding platform from which these individuals can operate. Learn a little; spend a little time setting up a few things; tweak this and that — then leave the rest to the machines; it’s an occupation that leaves time for something which many of us lack — a life.If you belong to the 85% of people who (according to a magazine I read recently) do the work they do “just for the money,” I recommend especially that you read on; if you follow the suggestions at the bottom of this article, you WILL find information which has the potential to end that situation. Skeptical? Just for the record, I might as well state this plainly:One of the advantages E commerce may provide you is quitting your day job!Even if you’re relatively satisfied with the way you’re living and working — does it represent ALL that you might want for your life? Would you, for example, object to tripling the money and free time you currently have — just for starters? E commerce makes this more than possible.Dispelling a few myths: E commerce is NOT all “sewn up” by the big guys; the successful techniques of internet marketing are not the jealously guarded secrets of a few greedy diabolical nerds — on the contrary: some people are now sharing their success mightily. How do I know that? — because they’re sharing it with me, and if you’re interested, they’ll share it with you too.If you already have a good grounding in what internet marketing is, and how it works, you may prefer to skip to “Other Advantages E Commerce Provides” below; otherwise, read on.While the term “E commerce” means basically everything to do with buying and selling online, let’s turn our focus to the term “internet marketing,” which is the activity of promoting product sales on the net. While this article can only briefly cover the subject, it’s quite straightforward anyway, so the following will give you a good basic idea.How Internet Marketing WorksOnline you have merchants (people with something to sell) and marketers (people who act on behalf of the merchants to create sales).Merchants want as many quality marketers as possible to bring their products to the attention of people searching online, so they create what are called “affiliate programs.” Marketers join these programs and become the merchant’s “affiliates.”These affiliates simply work to connect the online public with the merchant’s products. When a sale occurs, the particular affiliate who directed the buyer to the merchant is electronically identified and paid (an often very high) percentage of that sale. In some cases the affiliate is paid again every time the same buyer returns to make another purchase. Because of the gigantic number of people performing searches online, merchants and their affiliates can, and often do, make enormous amounts of money.Main Areas of Online MarketingHow do affiliates direct the searching public to the merchants? When people type words into a search engine, relevant results come up, then the searcher will usually click from amongst the top results. The merchants and their affiliates use various techniques to get product advertisements (or material related to those products, like reviews or articles) as close to the top of the search results as possible.These methods, which are nothing like “rocket science” to understand or use, fall broadly into several categories: pay per click ads, article marketing, forum marketing, setting up websites and blogs, both using a thing called SEO (or “search engine optimization” — which in English simply means “stuff you do to get your site or blog to rise in the search results.”)Massive and continuing sales are also achieved connecting the public to products through legitimate (freely opted into) forms of email marketing. Provided you have a trustworthy source of information, many of these techniques can be profitably acted upon very quickly.Other Advantages E Commerce ProvidesFor affiliates: generous commissions, recurring commissions; enormous choice of products to promote; low or no overheads in many areas; access to incredible buyer traffic; accumulating passive income; control over working hours, etc, etc…For merchants: gigantic advertising reach; potentially thousands of commission only affiliate sales people; incredible buyer traffic; many forms of e media to promote products; many free e systems to use; e transaction facilities, speed of access and information; automated everything — the list goes on…Economically speaking, e commerce leaves purely “physical world” business activities for dead!So, This Seems Interesting. What Do You Do Next?Something to realize, whether you’re a business owner or a potential affiliate marketer, is that the main hazard for IM newbies online lies in not being able to distinguish insincere or outmoded junk from solid information which would enable them to start building rewards quickly.To view and consider an interesting and potentially powerful moneymaking opportunity where a great deal of the “legwork” has been done for you already, visit the link below.</p>]]></content:encoded> <wfw:commentRss>https://dugegoums.info/47/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Fashion Trend Forecasting – Get Familiar With the Latest Fashion Trends</title> <link>https://dugegoums.info/45</link> <comments>https://dugegoums.info/45#comments</comments> <pubDate>Tue, 21 Mar 2023 09:40:47 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dugegoums.info/?p=45</guid> <description><![CDATA[The fashion industry always has a shake-up of new trends, and it is not easy to predict future trends. Professionals working in the fashion industries like manufacturers and fashion designers work hard to know the latest fashion trends so that they can rock and create a buzz with their upcoming fashion collections.What is trend forecasting, [...]]]></description> <content:encoded><![CDATA[<p> The fashion industry always has a shake-up of new trends, and it is not easy to predict future trends. Professionals working in the fashion industries like manufacturers and fashion designers work hard to know the latest fashion trends so that they can rock and create a buzz with their upcoming fashion collections.What is trend forecasting, and how is it helpful?Fashion trend predictions can be complicated as there are several categories of fashion for different people all over the world. Some of the most popular fashion categories include</p><p>Activewear</p><p>Kidswear</p><p>Womenswear</p><p>Menswear</p><p>Footwear</p><p>Jewelry and Accessories<br />In addition to this, fashion styles also keep changing with the seasons, and this is the reason for the evolution of the terms “Summer Collection” and “Winter Collection.” Therefore, it is important to analyze the trend-spotters to recognize what is popular and design products accordingly.To get rid of the complications, trend forecasting fashion is an effective and helpful technique. This technique is used by professional forecasters who conduct market research and analyze the purchasing pattern of various customers. This research is conducted to get an idea about the stuff that would trend in the future.When the technique of forecasting was initially evolved, forecasters did not have access to a large number of resources for conducting their research. As a result, fashion weeks or shows and purchasing patterns of customers were the only reliable sources through which trends were predicted. However, with the advancement of technology, deeper market research can be conducted by considering various factors affecting fashion changes. Therefore, better meaningful results can be obtained when compared to the traditional methods.The need for fashion forecasting is increased compared to the past because celebrities and social media highly influence today’s fashion trends. Customers do not spend much time selecting the right kind of fashion, and their preference is usually based on the fashion trends followed by famous personalities. The most influenced category here is women’s clothing trends that keep changing quickly, and therefore predicting the trends becomes a little difficult. Therefore, the fashion industry keeps facing rapid changes and complicates the process of trend predictions.Kinds of fashion trend forecasting:As there is a strong need for fashion forecasting for today’s market, this technique is classified into two types. Fashion forecasters can use either of these techniques to predict the fashion trends based on the category of fashion.</p><p>Short-term forecasting: Also known as fad forecasting, this type of fashion forecasting analyzes or predicts fashion trends for the next two years.</p><p>Long-term forecasting: This type of fashion forecasting technique predicts fashion trends for a long period ranging from 5 to 10 years.<br />It is important for professionals working in the fashion industry to understand the significance of fashion trend forecasting and use the data effectively to derive meaningful insights. These insights would be very useful for fashion designers to customize their future collections. </p>]]></content:encoded> <wfw:commentRss>https://dugegoums.info/45/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>A Guide to Your Credit Rating</title> <link>https://dugegoums.info/43</link> <comments>https://dugegoums.info/43#comments</comments> <pubDate>Mon, 20 Mar 2023 14:18:54 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dugegoums.info/?p=43</guid> <description><![CDATA[Your Credit Score’s ContentsYour credit score holds your personal information, such as your Social Security Number, your birth date, and your current employer. It also holds all the credit-based accounts you have opened and when you opened them. It also tells whether or not the account was paid off and how many late payments you [...]]]></description> <content:encoded><![CDATA[<p> Your Credit Score’s ContentsYour credit score holds your personal information, such as your Social Security Number, your birth date, and your current employer. It also holds all the credit-based accounts you have opened and when you opened them. It also tells whether or not the account was paid off and how many late payments you have made.Free Copy of Your Credit ReportAlways have an extra copy of your credit report. You must always make sure that all your history is correct on it. Having a copy of your credit report is especially important if you need to apply for a new loan or credit card. If anything doesn’t seem accurate on your credit report, make sure you dispute it as soon as possible to have your information right again.Equifax, Experian, and Transunion are three major credit agencies that store, collect, and sell the details of your credit history based upon the information they receive from smaller regional agencies or from credit card companies and lenders.With one of these three credit agencies, you get one opportunity a year to receive a free copy of your credit report. From Experian, you can also get a free online copy of your report.Importance of Credit MonitoringIdentity theft is a quickly growing crime in this country today. Identity theft doesn’t only happen when your credit card or identification cardgets stolen, but also when someone can get the knowledge of your date of birth, Social Security number, or even your name! People can use this information to open your credit card accounts, obtain loans, or drain bank accounts.To protect yourself against identity theft, you may consider storing all your personal information in a very safe place. Also, giving your personal information to anyone should never be done, unless you are sure they are a legitimate service or company.A very good reason to check your credit report often is to make sure you haven’t been a victim of identity theft. You can also enroll in a credit monitoring service, which gives you plenty of tools to monitor, manage and protect your credit and identity information.The Components of a FICO Score35% of your score is your payment history. This percentage of your credit score determines weather you make your payments on time.30% of your score are the amounts of money you owe at the time. This could include credit cards, car loans, mortgages, personal loans, and other loans you may have.15% of your score is derived from the length of your credit history. This percentage of the credit score determines how long it has been since you started purchasing on credit.10% of your credit score is additional credit that’s pending. This may be new loans or new credit cards you have just applied for.10% of your score are the variety of credits you have with different people and companies. Though this percentage exists, it doesn’t necessarily mean you have to have many types of credit to be accepted for a credit card, a loan or anything else. This percentage only truly becomes important when there is not enough information revealed about the other factors.How third parties can use your credit reportThe people and institutions you do business with; Lenders, renters, real estate agents,or any company you decide to make a purchase from all have access to your credit report. Some institutions also check your credit report once you have already obtained a loan, for example, to make sure you still meet their credit standards. Companies oftentimes look into new employee’s credit history as part of a background check.There are many laws that prohibit discrimination due to findings on your credit report such as age, gender and race. Certain laws make it illegal for creditors to refuse or disqualify credit based on discrimination. There are other laws that also protect you from similar creditor wrongdoings.Improving Your Credit ScoreOne sure way to increase and better your credit score is by paying your bills on time.Creditors look at that more than anything to determine whether they should give you credit or not. Credit history covers the past 7 years, but you have to constantly make payments on time to keep your credit score from getting lower. Bankruptcy stays in your credit report for 10 years.There are a lot of companies out there claiming to fix your credit report in an instant. Be careful because many of these companies are scams and don’t have your best interest at heart. The best way is to clean up your credit report yourself. Be honest with the people you do business with and work out payment plans so you won’t delay on a due payment.Lack of Credit HistoryIf you are too young to have substantial credit history or you just never made any major purchases or committed to any loans, this might be reflected in your credit history. One way to make sure you have some credit history is by asking the credit reporting companies to add credit accounts that may not typically be included such as department credit cards or gas cards. Some companies charge for this service.Credit CounselingThere are credit counselors who can find you ways to improve your credit and finally pay off your debts. They can advice you on how to approach your creditors to propose a more manageable payment plan. They can also help you establish a structured budget and show you how you can stick with it.Credit LevelCredit Card companies determine whether they will accept your application for certain credit cards. There are 4 categories you might fall under:1. Great credit -You have no missed or late payments or have no debt. If you do have debt, the debt is smaller than your income.2. Average to good credit – You have 1 or more late payments but no missed payments.There are certain companies that are most recommended by us for the last 2 categories:HSBD Bank cardsAmerican Express cardsDiscover cardsChase Bank cardsCiti CardsAdvantaBank of America3. Bad credit – You have high debt, missing and late payments and/or bankruptcy. Certain banks cater to people under this category.4. No Credit – Certain credit cards cater to people in this category. This category means no credit history. It is usually young people under this category. Your income, your credit history, and your debts are an important factor for the next 3 items:1. The credit limit you qualify for.2. The card you qualify for (Gold, Platinum, Standard, etc.)3. Depending on each card’s term and conditions, some cards APR (Annual Percentage Rate) is higher depending on your credit history.Do You Have Too Many Credit Cards? The Following Are Five Ways To Organize Your Budget.In today’s society and lifestyle, Americans are used to the latest and greatest electronic gadgets and modern luxuries. Credit cards are no exception. The typical American has between 5 to 10 credit cards. Using and keeping up payments for all these credit cards can be a daunting task and stressful situation, especially if you have other bills to pay. Even if you think you’ve already paid, you might sometimes be shocked when you get a late payment with your credit card bill. But if you do things right, you can pay on time by using these five simple methods that can greatly reduce headaches in the future.Step 1: Simplify Due Dates.When you have different due dates for different bills, it can cause financial chaos and harder to keep track of paid or unpaid bills. This is particularly true if you’re traveling. To avoid overlooking a payment, make sure all of your bills are due on the same time. For example, make your payments fall about one week after you get paid every month. Several credit card companies will coordinate the due date with your other bill’s due dates, making it easier for you to pay each month and keep track of your finances.Step 2: Online Credit Card PaymentPaying Online is a quick and easy way to pay your credit card bills. While normal mail is an also an option, is it more time consuming and expensive. You can set up your internet payments by registering once online with credit card company. This will take a few minutes. After that, all you have to do is pay your credit card bills every month. Depending on how many credit cards you have, this process should only take a few minutes as well. It is also a great idea to pay all your other bills this way.Step 3: Automatic Payments Are Sometimes the Best ChoiceWhen opening a credit-based account, numerous companies give you the option to take your payment automatically from your bank account each month. It is a great choice to take this offer up so your balance doesn’t fluctuate and the payment due every month stays the same.Tip: When applying for a credit card, always be sure you read the fine print on the paper that you sign. Most, if not all, credit card companies make your card to higher interest rate after a particular amount of time has passed. Even if your card is getting automatically paid for each month, always be aware of any changes.Step 4: Always Have an Online Account for Your CardAgain, the technology we have today has come in handy when paying for our credit cards. We can simply go online, look up the card’s website, and sign in from there. An even easier way to do this is by staying organized. You can make book mark all the websites you need to sign in at, and make a folder using the Favorite’s option on your browser menu. This way, you can have easy access to all of your cards’ companies website addresses.If you happen to be someone who forgets your username and/or password frequently, it’s recommended to use Norton Internet Security(TM). Using the Norton Identity Safe feature, it can easily fill in the website’s login sheet with your information, with safety.Tip: You will never find your financial accounts in any computer but your own. It’s not very recommended to access your financial accounts from a public computer because this way, hackers have more of a chance to get your account information, without you even knowing.Step 5: Automatic Reminders Are the Best Way to GoWhen signing up for one of your cards’ websites, it’s best to take the option of receiving e-mails about when your bill has been issued, when your payment was due, or/and if your payment was late. If you don’t so much e-mail clutter, you should at least sign up for the automatic payment reminders only.Tip: Though it would be nice to stay paperless and receive statements by e-mail only, there are some risks you would be taking. You could miss an important e-mail from the card company. Or if your computer crashes, you may loose many important e-mails. Some people like to stay with paper statement, which is completely fine, if you feel more comfortable that way.Visa® Credit CardYou’ll notice that reading and understanding all the terms of a Visa credit card application will make things better on the long run. There will be less or no unpleasant surprises like change of interest rate, annual fee or other type of fee that may be hidden in an offer’s fine print.Want a Credit Card and have Poor or No Credit?If you have no or poor credit, there is a great chance you might be charged a membership fee for a credit card. If the company does charge a membership fee, it’s ok. Once you pay for that fee, you probably won’t be charged a membership fee for any other credit cards you want to get in the future.Interest RatesThere are different types of interest rates. You have to be aware of annual percentage rates that apply to your particular credit card. Many credit card companies offer separate rates such as: introductory, cash, customary, default, and balance. Most of the time, your introductory rate will expire and your card will go to the usual retail APR. Make sure you thoroughly complete the application. In doing so, you increase your chances of being accepted. Otherwise, you might delay the application process or risk being denied. </p>]]></content:encoded> <wfw:commentRss>https://dugegoums.info/43/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Best Investment Ideas and Best Safe Investments for 2012</title> <link>https://dugegoums.info/40</link> <comments>https://dugegoums.info/40#comments</comments> <pubDate>Mon, 20 Mar 2023 12:36:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dugegoums.info/?p=40</guid> <description><![CDATA[Here we list some of the best investment ideas and tackle the challenge of finding the best safe investments for 2012. What might appear to be one of the best investment ideas to the uninformed could turn out to be one of the worst.Looking at the big picture for investment ideas in 2012, moderation in [...]]]></description> <content:encoded><![CDATA[<p> Here we list some of the best investment ideas and tackle the challenge of finding the best safe investments for 2012. What might appear to be one of the best investment ideas to the uninformed could turn out to be one of the worst.Looking at the big picture for investment ideas in 2012, moderation in asset allocation and a balanced investment portfolio will be the most basic key to success. There are 4 asset classes, and average investors need to spread their money across at least the first three to keep their overall portfolio risk moderate. The 4 categories in asset allocation are: safe investments, bonds, stocks and alternative investments like gold and real estate (optional). Asset allocation can be simplified, because there are mutual funds available to average investors that represent each of the 4 asset classes. Now let’s get more specific about the best investment ideas for 2012 starting with safe investments.Safe investments earn interest and do not fluctuate in price. You will need to look outside of mutual funds in 2012 to find the best safe investments because record low interest rates have taken yields on money market securities (and hence money market funds) down to just about zero. One of the best investment ideas if you have an account with a discount broker or major mutual fund company is to shop for one-year CDs paying higher rates if you can’t get competitive rates from your local bank. Do not tie your money up for longer periods just to earn a little more interest. One of these days interest rates will go back up and you will be locked in at a lower rate and face penalty charges if you cash in early.Finding the best safe investments will be truly challenging in 2012, but here are some more investment ideas. If you are in a retirement plan like a 401k that has a fixed or stable account option do not overlook it. You can often get a much higher interest rate there (maybe 4% to 5%) than anywhere else outside of your retirement plan. If you own an older retirement annuity or universal life insurance policy, it might have a fixed account you can add money to that is guaranteed to never pay less than 3% or 4%. Remember, truly safe investments like U.S. Treasury bills and bank money market and savings accounts are paying WAY LESS than 1%!Over the past 30 years bonds and bond funds have become a favorite with investors because they have been consistent performers and returned on average about 10% per year… basically about equal to what stocks have returned, but with considerably less risk. Many investors have fallen in love with their bonds funds and consider them to be among the world’s best safe investments. Bond funds are NOT safe investments. They have performed well since 1981 (when interest rates and inflation were at record highs) for one primary reason. Both inflation and interest rates have been falling for 30 years, which has sent bond prices higher. Loading up on bond funds now is NOT one of the best investment ideas for 2012. In fact, it is one of the worst investment ideas.When interest rates and/or inflation turn around and head upward bond funds, especially those that hold long-term bond issues, will be losers. That’s how bonds work. One of the very best investment ideas for 2012 is to sell your long-term bond funds if you own any, and switch to funds holding bonds with average maturities of about five years. These are called intermediate-term bond funds; and average investors should have some money invested here as part of their asset allocation strategy to add balance to their investment portfolio. These are not truly safe investments, but they are much safer than long-term funds.My best investment ideas in the stock department focus on stock funds. Do not go heavily into the more aggressive funds that invest primarily in growth and/or small company stocks. These pay little if anything in dividend income and tend to be more risky and volatile than the average stock fund. Go with funds that invest in high quality large-company stocks with excellent dividend paying histories. Look for funds that are paying 2% or more in dividends. One of the best investment ideas for 2012 and beyond: invest in no-load funds with low yearly expenses. No-load means no sales charges, and low expenses mean higher net returns to the investor.Alternative investments include the likes of real estate, gold and other precious metals, natural resources, commodities, foreign investments and so on. One of the best investment ideas for managing a truly balanced investment portfolio is to include this fourth asset class as well. The simplest way for the average investor to add these alternatives to their portfolio is with mutual funds that specialize in these areas or sectors. My best investment ideas here: don’t go heavily into any one area, and don’t chase after a sector (like gold) just because it’s hot. Real estate and natural resources funds would be my picks as two of the best investment ideas in the alternative investments asset class.Moderation and diversification across the asset classes will be the key to asset allocation in 2012. I have also listed some specific best investment ideas for keeping the average investor in the game and out of serious trouble should the investment scene turn ugly. Above all else memorize this: long-term bond funds are not among the best safe investments for 2012. They are not safe investments, period. </p>]]></content:encoded> <wfw:commentRss>https://dugegoums.info/40/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Start a Successful Business 1, 2, 3 – Part 4 of 6</title> <link>https://dugegoums.info/37</link> <comments>https://dugegoums.info/37#comments</comments> <pubDate>Sun, 05 Feb 2023 03:23:01 +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://dugegoums.info/?p=37</guid> <description><![CDATA[Welcome to Part 4 of our 6-Part article series. In this article we will discuss; 1. Setting Up Your First Commercial Office (non-home); 2. Hiring Your First Employee(s); and 3. Seeking Investors or Outside Funding. Let’s get started!1. Setting Up Your First Commercial Office: (Non-home) You’ve created a great business. You are on the road [...]]]></description> <content:encoded><![CDATA[<p> Welcome to Part 4 of our 6-Part article series. In this article we will discuss; 1. Setting Up Your First Commercial Office (non-home); 2. Hiring Your First Employee(s); and 3. Seeking Investors or Outside Funding. Let’s get started!1. Setting Up Your First Commercial Office: (Non-home) You’ve created a great business. You are on the road to success. Bravo! But, you need an office and setting up shop at home won’t cut it. You need a real commercial location and you need it at a low cost. What do you do? There are a lot of fantastic options available, more than you may realize. I will name a few. Opportunities will vary according to your individual location, but there are deals to be had nearly anywhere you go.We all know that location is everything, but what does that mean to you? For example, if you are opening a little snack or sandwich shop, location means something different to you than it does to a doctor, an architect or an insurance company. Ask yourself: Do you need to rely on foot traffic? Is parking, or security, or a fancy looking office important to you? Do you need a warehouse for storage? These are all things you will wish to consider beforehand.The Turnkey: One of the best ideas for office space is the All-in-One turnkey based office. These have been around for many years and are always popular in nearly any economy. This solution is perfect for the small business person who doesn’t need a lot of space. What’s great about a turnkey solution is the price is low, the locations are usually excellent, and the offices are usually very attractive. These are perfect for technology companies, architects, artists, and many white collar businesses that don’t require heavy inventory storage.The Warehouse: Do you have inventory or a lot of product to store? Then a warehouse may be right for you. Many of these locations are very inexpensive, and many companies are teaming up to share warehouse space to save on cost.Purchasing Real Estate: Do you have cash on hand to buy real estate? It might be worth looking into because there are deals to be had nearly anywhere you go. Currently, many businesses are buying up residential real estate for commercial use because prices are low, depending on location and zoning.Still not sure what you need? Contact a real estate professional to help you. But don’t be afraid to jump in and do some research of your own. Check out newspapers and real estate websites. Also comb through classified sites like Craigslist for deals.2. Hiring Your First Employee: You’ve built a business and it’s growing rapidly. Wow! This is a great problem to have, but now you’re stressed out over hiring help. This can be one of the most intimidating aspects of new business ownership. I won’t like to you, payroll is no fun. However, you are not without some easy options.Use a Payroll Service to Start: Service providers such as ADP, Wells Fargo Payroll, Paychex, Intuit (QuickBooks), and a host of other companies can take the guess work out of the payroll nightmare. A word of caution here: do not attempt to set up payroll by yourself if you’ve never done it before. Deducting taxes properly is serious business and if you do it wrong it can be an accounting nightmare for you and everyone involved. These services are inexpensive and they rarely make mistakes. Plus, they offer payroll tax services which means they will do all that stuff for you. This includes: preparing employee W-2s and contractor 1099s; handling specialty paycheck deductions; handling raises, terminations and new-hires; and last but not least, handling the payroll taxes for you. It is worth every penny you pay the payroll service company. Plus they are insured for the mistakes they make. It’s a win-win for you. Don’t “go it alone” with payroll. Get help from the pros. Whether you have 1 employee or 1000 employees, working with a service is the safest and easiest bet. For a new-hire Interviewing checklist, make sure to visit websites like Monster.com and CareerBuilder.com for assistance. Both sites offer excellent tools for employers.Hiring a Bookkeeper: If you are in a position to hire a bookkeeper who also handles payroll, that is great! But you will need to screen the individual first. Ask for proof of experience, proof of education and business references to be sure.3. Angels in the Outfield! Angel Investors Defined: By definition: an angel investor is person or entity who provides financial backing to very early-stage businesses or business concepts. “Angels,” as they’re commonly referred to, are typically entrepreneurs who have become wealthy, often from working in technology-related industries. Up until very recently, angel funding was fairly easy to obtain. Entrepreneurs were constantly in search of something new to invest in. It was a fun time in the world of business! But all good things must come to an end. The day of business gluttony, and high-limit gold cards on every desk has ended. This is not to say that angel funding has entirely gone away. There will always be “angels in the outfield.” But angel investors have to pull in their own financial bootstraps these days, and well they should. The fewer business failures in today’s marketplace the better for everyone.Venture Capital Funding: At this level, you have grown your business past the “angel” or “seed” funding stage, and it’s time to go big! Well, at least that is the hope. Getting into this “financial bed” is not for wimps. If you love the hunt and gamble, and you’re not afraid of financial partners taking over your business and personal life, it could be very exciting. But keep in mind, using other people’s money (“OPM”) can be very stressful; not all that glitters is gold. The truth is, you will need to decide if you are a “Main Streeter” or a “Wall Streeter” in your heart of hearts. And only you can answer this question for yourself. You will need to get some very serious advice from financial advisors and attorneys, at this stage of the game. But hey, what a great problem to have! If you find you’re a “Main Streeter” at heart, this will most likely not the the direction for you. If you find you are a “Wall Streeter” you will be in for the roller coaster ride of your life, but this could be some fantastic fun and wealth for you! You won’t know until you get there, so enjoy the journey, wherever it takes you.Have Your Documentation Ready: If you recall from our first article, we discussed the importance of a business plan. Any investor, and some commercial lenders, will need to view all of your company documentation before investing in your company. They will want to see your proof of earnings, profit-and-loss statements, balance sheets, income statements and myriad of records. So make sure to keep all your records in good condition, and run your books well. This will greatly enhance your chances of getting that seed funding you seek.Whoever said that business and personal should remain separate was not a business owner! For our breed of human-being, business is always personal. If that ceases to be the case for many of us business diehards, it will be time to move on to something new. Your heart should always be in your business, and your business should be in your heart. When you’re doing something you really enjoy doing – you really love doing, the money will follow. Just be smart about it!Stay tuned for Part 5 of my 6-article series on how to start a business. We will discuss Bringing New Inventions to the Marketplace; Filing for Patents; and Setting Your Prices for the Market. </p>]]></content:encoded> <wfw:commentRss>https://dugegoums.info/37/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Top 5 Reasons Why Your Content Marketing Campaign Failed</title> <link>https://dugegoums.info/35</link> <comments>https://dugegoums.info/35#comments</comments> <pubDate>Tue, 31 Jan 2023 09:47:05 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dugegoums.info/?p=35</guid> <description><![CDATA[I am, from time to time, asked to troubleshoot why someone’s content marketing campaign has not been the success they had hoped for. Almost always, the cause of the problem falls within the scope of one of the following reasons. Here, in reverse order, are my top five reasons why content marketing campaigns fail:#5. You [...]]]></description> <content:encoded><![CDATA[<p> I am, from time to time, asked to troubleshoot why someone’s content marketing campaign has not been the success they had hoped for. Almost always, the cause of the problem falls within the scope of one of the following reasons. Here, in reverse order, are my top five reasons why content marketing campaigns fail:#5. You are not content marketing:Content marketing is marketing a business to achieve one or more goals of that business. If the achievement of your business goal is not the reason for producing your content, you are blogging. That important distinction is not always understood.Many content creators do not understand the part content marketing plays in moving your prospects along your sales funnel. Different types of content are needed for each stage, that is for suspects, prospects, and retaining and selling again to existing customers. If you are not producing content that supports each stage in the sales process, you are not content marketing.#4. There is not a market for your product or service:It never ceases to surprise me how many businesses fail because the founders did not do proper research to establish whether there was a market for their business and or whether their product or service met that need.You can have a technically excellent product, but it will fail if no one wants to buy it. I once worked for a company that had such a product. Every prospect the sales force presented to said what a great idea it was, but they would not buy it. It was a solution looking for a problem. Then you have the other side of the coin: There is a market, but your product or service does not meet it. There is a problem, but you do not have the solution.No matter how good your content marketing is, your campaign will fail in its objective of acquiring new customers if:</p><p>There is no market for your product or service, or</p><p>If your product does not solve the customer’s problem.</p><p>#3. You are publishing in the wrong place:You must ensure that your content gets to your target audience. You need to know:</p><p>Who your target audience is. That includes demographic information such as their age, gender, socio-economic group, whether they are likely to be married, and if they have a family;</p><p>Where they currently go to get information; and</p><p>How they prefer to consume data.</p><p>Let’s consider a couple of examples:Example 1: You have a business that provides support for WordPress websites globally. Your target audience is likely to be business owners that already have, or intend to have a website on the WordPress platform. They are likely to be in the age group 24 to 54 years old, likely to be married and probably have a family. They are entrepreneurs, not software engineers.You will find them on Linked In, and they probably also have a personal and business Face Book presence. They are also very likely to use mobile computing devices, which is their device of choice for consuming data.You need to be publishing your content in the places these people go to for answers to their WordPress problems, such as You Tube, podcasts (think iTunes, Sticher, Podcast Republic, and Zune to name but a few) – you could either have your own show or make guest appearances on other shows, SlideShare, writing articles (think long SlideShare documents, not just article directories), blogs, and forums for WordPress users.Example 2: You provide an on-line tuition course in mathematics. Your target audience is likely to be school age children and their parents. They will have a personal Face Book presence and will probably also use one or more of the other popular social networking sites such as WhatsApp and Line. They are likely to have a Gmail account and also use You Tube.The nature of your service lends itself to visual media, which is how this group prefers to consume data. Your target audience will be using sites such as Udemy and You Tube to find content.The preferences of your target audience will determine where you need to publish your content, and predicate the medium you use to deliver your content. If your target audience prefers to consume visual content, text based content will not appeal to them and they will be much less likely to visit text based content sites.If your target audience prefers to consume data at a time and in a place that suits them, in other words, they want to consume content on demand, consider audio podcasting. However, you should only do so if your content lends itself to the spoken word.Should you publish your content on your own website?The answer depends on how long you have been in business, and what reputation you already enjoy. The Pareto principle or the 80:20 rule will apply in any event. If your business is a start-up or is a young business, 80% of your content should published off your website. As your business becomes established and your reputation has grown, that ratio can be reversed.Not only do you need to publish your content in the places your audiences goes to for information, you must ensure that it comes to their attention. That means systematically promoting your content on social networking sites such as Face Book, Google+, Linked In and You Tube, as well as on Twitter, Reddit, StumbleUpon and other similar sites. Consider issuing a press release and linking to the piece of content in blog posts and comments, and on forums. If you have an email list, tell your list about the content you have created and ask them to share it with others.You should expect to spend at least as much time promoting your content as you did in creating it. Not all marketers do this, which is why many content marketing campaigns fail.#2. Your campaign is too short:Although there are people who claim great success from a short campaign, these fortunate few are the exception. For most of us, content marketing is a medium to long-term exercise that performs different roles for the various stages in our sales funnel. Put another way, you need to create content that is suitable for and supports each stage in the buying process.Let us say, for example, that you have a business selling video cameras and accessories. You will need to create content that explains the different types of camera that are available, their prices, the uses for which they are most suitable, and the amount of knowledge and or experience the user will need to operate the device. This type of content is aimed at the person browsing your online store looking to see what is available.Next, you can segment your content to cover the different sections of your potential audience, such as those looking for a camera to take videos of the family and holidays, hobbyists, and the high end amateur and professional users. Content that compares the features, benefits, and disbenefits, the pros and cons if you like, of each product in the market segment will help the potential customer make a short list of suitable products. The person browsing your site is now a prospect.The next set of content will focus on a specific product and the benefits of purchasing it from you. This type of content will help convert the prospect into a customer.The final set of content will help your customer get the best out of their purchase and will upsell product add-ons and accessories.If you are not creating content for each stage of the buying process and after sales support, your content marketing campaign is not likely to be as successful as you had hoped.#1. Poor quality content:Poor quality content is the main reason why many content marketing campaigns fail. The term “poor quality” covers a multitude of sins.Earlier in this article I said that your content must be created with the objective of achieving a business goal. That is true, but not only should your content marketing do that, it must solve a problem your target audience has. At the very least it should give them something of use and value. Unfortunately, a great deal of content that is created is little more than a thinly veiled sales pitch.It should go without saying that your content should be grammatically correct and free from spelling errors. It should also be well written and follow a logical sequence. If you are writing an article, your objective is to retain the reader’s interest long enough for them to get to your resource box. It is there that you should give the reader a good reason to click on the link to your website from where you will do the selling.Similarly with video. You want to keep the viewer’s attention until they see the call to action, which is usually to click on a link in the description.Poor quality is a description that can also be applied to content that is too short or too general to be of any help to the person consuming it. Your content should be long enough to impart all the information you need to give in sufficient detail, but short enough to ensure you retain their interest.There is another definition of poor quality content that is often overlooked by content marketers, that is, if they are even aware of it. If your content fails to engage with your audience, it has not achieved one of your business goals. Most marketers gauge the success of their content by how many views it has received, or how many likes it has, or a combination of both. A piece of content may have have been viewed a great many times, and it might have received a large number of likes, but nobody has engaged with it. They did not comment on it, or share it with their own audience, or tweet about it, or list it on Reddit or StumbleUpon.For your content marketing to be successful, your audience has to engage with your content.The Takeaway:As marketers, I think we can takeaway the following points:#1. There must be a viable market for your product or service;#2. Your content must assist you in achieving a business goal;#3. Your content must be published in the places where your audience is likely to find it, and you must promote your content;#4. Your content marketing campaign must support all the stages in the sales process as well as providing after sales support, and#5. You must create good quality content that encourages audience engagement.Your content marketing campaign is likely to be successful if you apply these five lessons. </p>]]></content:encoded> <wfw:commentRss>https://dugegoums.info/35/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>SEIS the Tax-Free Investment Opportunity for UK Investors</title> <link>https://dugegoums.info/32</link> <comments>https://dugegoums.info/32#comments</comments> <pubDate>Tue, 24 Jan 2023 18:58:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dugegoums.info/?p=32</guid> <description><![CDATA[Enterprise Investment SchemesAn EIS is an investment vehicle that provides funds and capital to small businesses that, due to the tightening of the credit market, cannot otherwise get financing from traditional sources. An EIS is an unquoted company that is not on a stock exchange and is most likely managed by a venture capital firm. [...]]]></description> <content:encoded><![CDATA[<p> Enterprise Investment SchemesAn EIS is an investment vehicle that provides funds and capital to small businesses that, due to the tightening of the credit market, cannot otherwise get financing from traditional sources. An EIS is an unquoted company that is not on a stock exchange and is most likely managed by a venture capital firm. These firms manage the investment objectives to protect investors and maximize investment returns. A good firm will have been involved in venture capital investing for a number of years and be able to provide a solid track record of protecting principle and securing returns. Firms operate their EISes differently, some offering investments into single companies while others operate EIS funds in which you could invest into a fund of multiple companies, therefore diversifying your risk.The benefit of tax protection that EISes offer has resulted in an increased demand among wealthier investors, with EIS being utilized as a strategic tool within their portfolios. The UK government increased tax relief from 20% to 30% and the annual investment amount has been increased from £500,000 to £1,000,000. With the added benefit that the investment is exempt from capital gains tax and inheritance tax, EIS is increasingly the perfect vehicle for certain investors. More and more EISes have become essential within many investment portfolios as an integral tax relief tactic.Seed Enterprise Investment SchemesNot quite as large as the EIS, the SEIS provides a similar benefit and experience. The main difference being the investment amount allowed annually which currently stands at a maximum of £100,000, but offers an unprecedented 50% tax relief on the investment’s gains and value. However this 50% is only applicable if the SEIS continues to comply with the SEIS rules and providing the investment is left for a minimum of three years. After three years the investor can sell their stake, incurring no capital gains tax against profit realized. Furthermore, loss relief applies to any losses incurred.As of 2014, the upfront tax relief for the highest tax bracket investors equates to a 64% tax break and, when combined with a loss relief tax break of a further potential of 22.5%, equates to a total of 86.5% tax relief. The downside tax protection of almost 90% is unprecedented amongst all other investment vehicles and provides significant tactical value to certain investors.Careful ConsiderationAs with any investment decision, you need to be careful in your consideration when choosing to use EIS or SEIS for your portfolio. You should be considering these tax relief options in your portfolio after you have exhausted other forms of tax mitigation. The first two that should be utilized are your pension and annual Individual Savings Account (ISA) allowance. These primary tax savings vehicles provide secure investment vehicles; ISAs offer amazing investment flexibility not available through EIS or SEIS. Another option includes VCTs – Venture Capital Trusts – which have similar strategic benefits to EIS or SEIS but are limited to £200,000 per year.In deciding on further tax mitigation, you need to consider the portion of your portfolio that these tactical investments would make up. Conventional wisdom dictates that you should not put more than 20% of your holdings into risky opportunities, but that 20% could realistically be surpassed with correct use of the right investment vehicles. If you are hedging your portfolio against a known event that will increase your capital gains taxes or inheritance taxes, EIS and SEIS would be a viable way to mitigate those taxes in a given year. In this way you could max out your contributions to these two tactical strategies in order to mitigate the known tax implications from another portion of your investment portfolio. It is these considerations that you should be aware of before deciding on a specific EIS or SEIS company.Another concern that you should be aware of is the fact that EISes and SEISes are essentially “locked-in” products. You need to be able to leave the investments locked in for a period of at least three years (and in some cases longer) in order to access the tax relief benefits – managers will generally look for an exit in or around year 4, but an exit could realistically take longer and is subject to market conditions. In this way, many EIS and SEIS companies are illiquid and the secondary market for selling EIS/SEIS shares is therefore small. Taking the long view on these investments should be a natural consideration.Choosing the Right EIS/SEISWhen deciding on the right company to invest for the purpose of tax mitigation, not all EIS/SEIS companies are the same. Choosing a company should not be done on impulse and requires effective due diligence to ensure that their investment philosophy is in line with your own. At the time of consideration, ask all the same questions of the company as you would when investing in any stock. By ensuring the company has a solid and proven track record of investments, open reporting functions that promote transparency and an investment philosophy you agree with, you can feel comfortable with your investment.By considering an EIS/SEIS investment you are considering an investment option that has a real potential for investment loss. It can be the right option for those looking for a high risk option with an effective tax mitigation strategy as a small portion of their overall portfolio. EIS and SEIS investments can also be an excellent way for investors to dabble in venture capital investing without having to put up too much capital.For more information please visit: https://www.gov.uk/government/publications/the-enterprise-investment-scheme-introductionhttps://www.gov.uk/seed-enterprise-investment-scheme-background </p>]]></content:encoded> <wfw:commentRss>https://dugegoums.info/32/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Investment Strategy</title> <link>https://dugegoums.info/30</link> <comments>https://dugegoums.info/30#comments</comments> <pubDate>Tue, 24 Jan 2023 18:56:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dugegoums.info/?p=30</guid> <description><![CDATA[SHOULD YOU INVEST FOR YOUR FUTURE?I would say Yes.Hence, investing has become increasingly important over the years, as the future of social security benefits becomes unknown.In these hard times, people want to insure their futures, and they know that if they are depending on Social Security Benefit, and in most cases retirement plans, they know [...]]]></description> <content:encoded><![CDATA[<p> SHOULD YOU INVEST FOR YOUR FUTURE?I would say Yes.Hence, investing has become increasingly important over the years, as the future of social security benefits becomes unknown.In these hard times, people want to insure their futures, and they know that if they are depending on Social Security Benefit, and in most cases retirement plans, they know that they may be in for a rude awakening, when they no longer have the ability to earn a steady income. Investing is the best answer to the unknowns of the future.Over the years you may have been saving money in a low interest savings account. Now, you want to see that money grow at a much faster pace. Perhaps you’ve inherited money from a relative or you realized some other type of windfall, and you need a way to make that money grow. So, investing is the answer.Investing is also a way of getting the things that you want, such as a new home, a college education for your children, or expensive ‘toys.’ Of course, your financial goals will determine what type of investing you do.If need to make a lot of money fast, you would be more interested in higher risk investing, which will give you a larger return in a shorter amount of time. If you are saving for the far off future, such as retirement, you would want to make safer investments that grow over a longer period of time.To create wealth and security are the overall purpose of investing, over a period of time. It is also important to remember that you will not always be able to earn an income … you will eventually want to retire.You also cannot depend on the Social Security system to do what you expect it to do. As we have seen with Enron, you also cannot necessarily depend on your company’s retirement plan either. So, again, investing is the key to insuring your own financial future, but you must make smart investments!INVESTMENT STRATEGYIn most cases, investing is not a sure thing — it is more or less like a game – you will never know the outcome of the game until it has been played and a winner has been declared. When you play almost any type of game, you should have a strategy. Investing isn’t any different – you need an investment strategy.The strategy in investment is basically a plan for investing your money in various types of investments that will help you meet your financial goals in a certain amount of time. Each type of investment contains individual investments that you must choose from. A clothing store sells clothes – but those clothes consist of skirts, dresses, shirts, pants, undergarments, etc. The stock market is a type of investment, but it contains different types of stocks, which all contain different companies that you may invest in.You must first research and research some more, otherwise, it can quickly become very confusing – as there are so many different types of investments; there are each individual investments to choose from. This is where your strategy, also combined with your risk of tolerance and investment style will all come into play.If you are a beginner and just starting in investing, you should have a financial adviser, who will advise you before making any investments. Your financial adviser will help you develop an investment strategy that will not only fall within the bounds of your risk tolerance and your investment budget, but will also help you achieve your financial goals.You should invest money with money that you don’t use and never invest money without having a goal and a strategy for reaching that goal! This is absolutely essential. Nobody should ever hand their money over to anyone without knowing what that money is being used for, and when they will get it back! If you don’t have a goal, a plan, or a strategy, that is essentially what you are doing! Always start with a goal and a strategy for reaching that goal!Your Present Situation Should Be Stabilized Before You Think Of InvestingBefore you even think of investing in any type of market, you should really take a long hard look at your current financial situation. Investing in the future is a good thing, but clearing up bad – or potentially bad – financial situations in the present is extremely more important.Check your credit report. You should do this once each year. It is important to have a clear report, and to clear up any debt as soon as possible. If you have set aside $25,000 to invest, but you have $25,000 worth of bad credit, you are better off cleaning up the credit first!Firstly, look at what you are paying out each month, and you should get rid of expenses that are not necessary. For example, high interest credit cards are not necessary. Pay them off and get rid of them. If you have high interest outstanding loans, you should pay them off as well.If nothing else, exchange the high interest credit card for one with lower interest and refinance high interest loans with loans that are lower interest. You may have to use some of your investment funds to take care of these matters, but in the long run, you will see that this is the wisest course of action.Get yourself into good financial position – and then enhance your financial situation with sound investments.It does not make sense to start investing funds if your bank balance is always running low or if you are struggling to pay your monthly bills. Your investment money will be better spent to rectify adverse financial issues that affect you each day.While you are in the process of a clear-up in your present financial situation, make it a point to educate yourself about the various types of investments.This way, when you are in a financially sound situation, you will be armed with the knowledge that you need to make equally sound investments in your future.INVESTING FOR YOUR RETIREMENTRetirement it might be right around the corner OR it may be a long way off for you – No matter how near or far it is, you have absolutely got to start saving for it now. However, in these days, saving for retirement isn’t what it cut out to be with the increase in cost of living and the instability of social security. You have to invest for your retirement, as opposed to saving for it!Let’s us take a look at the retirement plan which is offered by your company. At one time, these plans were quite sound. However, after the Enron upset and all that followed, you are not secured in the company retirement plans anymore. If you choose not to invest in your company’s retirement plan, you do have other options.First let’s see, you can invest in stocks, mutual funds, certificates of deposit, bonds, and money market accounts. You do not have to state to anybody that the returns on these investments are to be used for retirement. Just simply allow your money to grow overtime, and when certain investments reach their maturity, reinvest them and continue to let your money grow.You can also open an Individual Retirement Account (IRA). IRA’s are quite popular because the money is not taxed until you withdraw the funds. You may also be able to deduct your IRA contributions from the taxes that you owe. An IRA can be opened at most banks. A ROTH IRA is a newer type of retirement account. With a Roth, you pay taxes on the money that you are investing in your account, but when you cash out, no federal taxes are owed. Roth IRA’s can also be opened at a financial institution.Now here is another popular type, of retirement account is the 401(k). 401(k’s) are typically offered through employers, but you may be able to open a 401(k) on your own. You should speak with a financial adviser or accountant to help you with this. The Keogh plan is another type of IRA that is suitable for self employed people. Self-employed small business owners may also be interested in Simplified Employee Pension Plans (SEP). This is another type of Keogh plan that people typically find easier to administer than a regular Keogh plan.Whichever retirement investment you choose, just make sure you choose one! Again, do not depend on social security, company retirement plans, or even an inheritance that may or may not come through! Take care of your financial future by investing in it today.I hope this helps you in your future financial plans. </p>]]></content:encoded> <wfw:commentRss>https://dugegoums.info/30/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Best Heath Care Jobs</title> <link>https://dugegoums.info/28</link> <comments>https://dugegoums.info/28#comments</comments> <pubDate>Tue, 24 Jan 2023 18:55:36 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dugegoums.info/?p=28</guid> <description><![CDATA[There is a lot of choice available to you if you wish to go into medical. In this article I talk about the best health care jobs available to anyone with a masters, or without one, in the relevant field. If you want to interact with patients, or do not, we have jobs of both [...]]]></description> <content:encoded><![CDATA[<p> There is a lot of choice available to you if you wish to go into medical. In this article I talk about the best health care jobs available to anyone with a masters, or without one, in the relevant field. If you want to interact with patients, or do not, we have jobs of both kind in this list.Mental Health Therapist Mental Health therapy is a vast field. You can specialize in marriage counseling, drug and abuse counseling, clinical psychiatry, or become a clinical psychiatrist. Note the difference between a psychologist and a psychiatrist: a psychiatrist is a trained medical doctor who has specialized in caring for mental ailments of patients, whereas a psychologist is someone who has studied psychology in graduate school, and is not necessarily a doctor. A mental health therapist will be a psychiatrist.Nursing If you do not want a costly education, and are inclined to care for patients in a more hands-on manner, nursing might be the job for you. In most countries, a nursing diploma or degree takes only about 3-4 years, with some trainee experience thrown in. For example, in New Zealand you require to complete a Bachelor of Nursing course that runs for three years. In the US, you can become a Registered Nurse after graduating from a state-approved school of nursing, and then passing a state approved Registered Nurse program. You can also become Nursing Aides or Licensed Practical Nurse.Health Administrator A health administrator is the one job in this list that does not require you to interact with patients on a daily basis. Health care administrators are professionals with masters who run hospitals, clinics, and other types of health-care facilities. They are the floor managers of the health-care team.Physical Therapist If you want to influence the lives of your patients in the most effective manner, giving the best bang for the buck, this may be the job for you. As a physical therapist your job will be to help the patients increase their mobility, relieve pain, and in other manner become more mobile in their lives. You can become a physical therapist by getting a Master of Physical Therapy, part from other avenues.Dental Hygienist A dental hygienist provides his or her patients with oral care. This is different from being a dentist. A dentist has a masters in dental, but a dental hygienist has completed a four-year baccalaureate program or a two-year associate program that has been accredited by the American Dental Association’s Commission on Dental Accreditation. </p>]]></content:encoded> <wfw:commentRss>https://dugegoums.info/28/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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