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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>fixyrms.info</title> <atom:link href="http://fixyrms.info/feed" rel="self" type="application/rss+xml" /> <link>https://fixyrms.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 00:17:10 +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>Know More About Commercial Loans</title> <link>https://fixyrms.info/know-more-about-commercial-loans,html</link> <comments>https://fixyrms.info/know-more-about-commercial-loans,html#comments</comments> <pubDate>Thu, 16 Mar 2023 07:49:53 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[ecxamms.info]]></category> <guid isPermaLink="false">http://fixyrms.info/?p=63</guid> <description><![CDATA[A loan could be the form of lending which an individual requires from the fiscal organization to fulfill his/her economic needs, in return of curiosity that he/she is liable to repay with the whole volume obtained as personal loan. Loans of many styles are used through the persons as per their needs. Professional personal loan [...]]]></description> <content:encoded><![CDATA[<p> A loan could be the form of lending which an individual requires from the fiscal organization to fulfill his/her economic needs, in return of curiosity that he/she is liable to repay with the whole volume obtained as personal loan. Loans of many styles are used through the persons as per their needs. Professional personal loan is just one with the various kinds of financial products commonly obtained from the folks.A professional loan, since the name suggests, is meant to fulfill the commercial requirements of the individual, who applies for such sort of borrowing products. The professional requirements could be to fulfill the order, consignment, or it is usually other way, like purchasing new machinery, raw stuff and so on.Thus the main function of commercial personal loan that is distinct from other types of lending products is that it’s meant to make income. This funds might be employed within the manufacturing, producing or every other type of enterprise requirement.The amount consumed as commercial loans are generally larger than any personal loan quantity. Similarly the interest on commercial loans are comparatively significantly lesser than every other loan.Comparison when using the private mortgage loan and refinance lending products.Personal mortgage loan and refinance loan are like lending products which are generally confused with commercial borrowing products. Let’s just go through the meaning on the two varieties of lending products and also the basic big difference involving them plus the professional loan product.Private Loan product is one which a person takes to fulfill his/her need or wish to purchase a item for necessity or leisure motive as the instance may well be. The individual personal loan can be used for buying a new car, motorbike, investing in stocks, home finance and many others.Refinance Mortgage loan is that which can be obtained to fulfill the necessities and payments on the old mortgage that was considered to purchase some product. Failure of an individual to repay that loan around the aforesaid interval of time results from the refinance of mortgage loan. Via loan product refinance the lent funds of 1 financial institution is paid with the other bank. That is done on behalf in the lender. And also the same lender has to pay the new fiscal bank his/her part of mortgage when using the new deals which are made right after mutual consent.The change between the own mortgage along with the professional personal loan is that while the professional personal loan is meant to meet the enterprise objectives, the individual lending products are designed to meet the personal objectives. Thus the commercial mortgage is taken to finance the business operation, when the refinance mortgage is consumed to refinance the already financed mortgage amount for repayment intent.Characteristics of Commercial lending products.The commercial mortgage as stated above are designed to make income. Big organization houses get professional loans to fulfill their production requirements, or complete their tender or some other company requirement. The other functions from the commercial loans are as follow.Commercial loans aren’t considered for consumption goal.<br />Professional loans are obtained typically by business class men and women.<br />The rate of interest is lower in circumstance of professional borrowing products as compared to other varieties of loans.<br />The time of repayment of professional mortgage is lesser as compared for the other borrowing products.<br />The quantity of professional mortgage is always bigger than any private loan and many others.Consequently the professional financial products are the cheapest types of lending products available inside the market as in comparison with other borrowing products.Needs for professional lending products.The commercial mortgage demands some pre-requisites for their approvals. These are as follows:Professional mortgage loan lender requirements to specify the form of investment they are going to created for which the mortgage loan is demanded.Insurance on the materials or goods and so forth bought with the loan money is essential to become built, to confirm the repayment in event of some accident, misshapen, or fire or anything else.There are some ailments applied within the commercial lending products. Because the Professional financial products are provided for a restricted time period and that as well at lowest awareness rate, so in circumstance of failure for repayment, the lender is bound to pay fine charges.Proper name of the corporation dealing with, the funds transaction in the loan sum and other facts are usually asked for from the monetary institution at any time in among the loan time.Book keeping is important prior to and right after application and allocation of the loan sum.Therefore the above stated commercial loans specifications are essentials that want to be fulfilled. Some other ailments might vary from 1 fiscal bank to other as according to their policy for lending. In case of lack of ability to follow the above instructions the lender may have to face legal actions against him/her and the company too. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://fixyrms.info/know-more-about-commercial-loans,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Bus Travel Service – On the Rise After Decades of Decline</title> <link>https://fixyrms.info/bus-travel-service-on-the-rise-after-decades-of-decline,html</link> <comments>https://fixyrms.info/bus-travel-service-on-the-rise-after-decades-of-decline,html#comments</comments> <pubDate>Fri, 24 Feb 2023 11:45:18 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Adventure Travel]]></category> <category><![CDATA[Airline Travel]]></category> <category><![CDATA[Budget Travel]]></category> <category><![CDATA[Charter Jets]]></category> <category><![CDATA[Travel Planning]]></category> <category><![CDATA[Vacation Homes]]></category> <guid isPermaLink="false">http://fixyrms.info/?p=61</guid> <description><![CDATA[Brief HistoryAfter World War 2 the middle classes deserted bus travel in favor of travel by private automobile, and later by airliner. Just 10 years ago, affluent travelers saw buses as the last resort, a sign of desperation.Rising Bus Travel Today most Americans travel by bus or plane when undertaking long distance travels. High gas [...]]]></description> <content:encoded><![CDATA[<p> Brief HistoryAfter World War 2 the middle classes deserted bus travel in favor of travel by private automobile, and later by airliner. Just 10 years ago, affluent travelers saw buses as the last resort, a sign of desperation.Rising Bus Travel Today most Americans travel by bus or plane when undertaking long distance travels. High gas prices have boosted bus travel after decades of decline. There are more, and more of briefcase carrying travelers venturing back to the bus, as other forms of travel are slumping. What does that tell us, traveling by bus is on the rise againTravel PlanningThe Bus systems often run on a schedule of some sort, which allow you to plan your travel agenda and book your tickets in advance. Popular routes have buses leaving every couple of hours, generally all day long plus at least two or three buses traveling overnight. Buses in route on long travel tend to make stops primarily in major cities and are very pleasant to travel in. If you’re traveling on weekends or during busy holiday times on popular routes, it is sensible to reserve tickets in advance.Contribution FactorsThe development of traveling by bus corresponds to increasing package tours that evolve every year. In 1983 the number of holiday travelers that participated in package tours was roughly 8.4 million, and has increased each year since then.A bus requires less energy to operate per passenger mile than air travel, which allows very reasonable fares. No matter what bus route you end up on provides a mode of travel that allows you to view the countryside at leisure, not to mention many small towns between destinations you would otherwise not know existed.Cities are now involved around the world to improve the benefits of bus travel while they address the issues that have traditionally set back buses effectiveness. For example adding dedicated bus lanes on highways among other plans cities are involved in. This has been great for bus travel systems both locally, and long travel, as they have been able to modify to better promote & serve customers. It allows travel agency’s to offer fewer stops, and take additional efficiency measures to add time saving technologies that make bus travel reliable, fast, and effective.Other factors mostly influencing tourists’ preferences for bus travel are the good opportunity’s it provides for social interaction and its entertainment value. While traveling by bus you will be surrounded by all different types of people.There is also a new awareness of our carbon footprint, which has just about affected every industry, in fact if it has not affected a specific industry yet, it will very soon. To that end fuel costs, combined with interest in traveling “Green” have played a big role in the increased interest in bus travel. It is clear the bus is a much greener form of transportation, and as riders return to buses, the old stigma of bus travel is evaporating.Bus Budget TravelFor a nation that really enjoys there private automobile, they are seeing bus ticket prices that are to attractive to pass up. If you’re traveling independently on a budget, the bus will certainly be a lower cost choice. Don’t worry cheap tickets can still mean high quality bus travel.A growing number of budget travelers are taking a close look, and noticing buses are an viable alternatives to flying. There are several bus passes available that give you unlimited travel within a given area. Seems they are so cheap, busing around specific regions should be a serious consideration for the budget traveler. Bus Travel TrainingDid you know there are even self-paced bus travel training programs for people who are interested to learn to travel independently using the regular bus system.As you can see there is a lot of value in traveling by bus both financially, and for the quality of a trip. </p>]]></content:encoded> <wfw:commentRss>https://fixyrms.info/bus-travel-service-on-the-rise-after-decades-of-decline,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Health Care Management – The Force Behind Your Health</title> <link>https://fixyrms.info/health-care-management-the-force-behind-your-health,html</link> <comments>https://fixyrms.info/health-care-management-the-force-behind-your-health,html#comments</comments> <pubDate>Fri, 24 Feb 2023 10:36:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Health Care]]></category> <guid isPermaLink="false">http://fixyrms.info/?p=59</guid> <description><![CDATA[Health care management is extremely important in the future of the world’s health care, and not just specifically in this country. It is from health care management schemes that most of the future medical professionals will emerge fully trained and ready to help resolve the differences in health care that currently blight the United States. [...]]]></description> <content:encoded><![CDATA[<p> Health care management is extremely important in the future of the world’s health care, and not just specifically in this country. It is from health care management schemes that most of the future medical professionals will emerge fully trained and ready to help resolve the differences in health care that currently blight the United States. At the moment, those that do not have health insurance are suffering as a result of rising health care costs because there is no way that they can afford to pay for any treatment that they need. Health care management is currently training the next generation that actually may be able to change the world and the nation’s health for the better.Health care management is extremely effective and is growing by the day. It can be extremely influential and find the best doctors and nurses for crucial roles within the health care system. The amount of positions available to be filled by health care management are also growing by the week because supply is often a good deal smaller than demand. As a result, there are great opportunities in the field for graduates and those that are training at the moment. Careers offered by health care management are highly rewarding, both financially and personally because you actually get to help people. The leadership roles that are offered mean that you actually get a say, however small, in how this country’s health care system is run. By ensuring that everyone gets proper treatment, and the treatment they deserve at that, things may really improve within the health care system itself.Health care management training can often lead to jobs in various medical institutions, from hospitals to clinics to health insurance. Many Health Care Providers professionals work in the latter to ensure that everyone gets the cover that they need and can afford. It may even lead to work in research centres and thus an individual can help improve the world as a whole by developing cures and treatments that do not exist at the moment. The work is extremely demanding but also completely worthwhile. In fact, it is more rewarding than most other careers out there at the moment.To be successful in health care management, you have to be very dedicated to the profession itself. It can be very stressful at times but is completely worth it when you look at the rewards on offer, on a personal level as well as on a humanitarian level. There are also chances to progress, which will give an individual more influence and ability to change the world. Is that not the point behind health care management in the first place? </p>]]></content:encoded> <wfw:commentRss>https://fixyrms.info/health-care-management-the-force-behind-your-health,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Online Higher Education in the 21st Century</title> <link>https://fixyrms.info/online-higher-education-in-the-21st-century,html</link> <comments>https://fixyrms.info/online-higher-education-in-the-21st-century,html#comments</comments> <pubDate>Fri, 24 Feb 2023 07:47:57 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Education]]></category> <guid isPermaLink="false">http://fixyrms.info/?p=57</guid> <description><![CDATA[The twenty first century presents unique challenges for higher education. Information and Communications Technologies (ICTs) are seen as the major driving force of the future economies of countries around the world. While complexities of the society are enforcing the need for more education, ICTs are increasingly expanding the reach and range of educational institutions by [...]]]></description> <content:encoded><![CDATA[<p> The twenty first century presents unique challenges for higher education. Information and Communications Technologies (ICTs) are seen as the major driving force of the future economies of countries around the world. While complexities of the society are enforcing the need for more education, ICTs are increasingly expanding the reach and range of educational institutions by making it possible to access any course from anywhere in the world and at anytime. They offer the possibility of drawing students from many countries who are studying the same course together at the same time. They also serve both the ‘free market’ (i.e. those markets where people are able and are prepared to pay the full cost of accessing services) and the ‘social market’ (i.e. those in need of on demand education and training, and do not have the resources to access or pay for such services, but who for reasons of both social justice and long term national economic development need basic education, upgrading or retraining).The scope of education is being dramatically increased from a specialized activity for young people to a lifetime need for everyone. The wealth of nations will depend increasingly on knowledge based high-tech industries. This means that education and trainings are essential elements of the new information age not just in the pre-work years but throughout lifetime. Thus, ICTs offer the promise of not only widening access, but also improving the quality of learning by making it relevant to the skills and knowledge needed in an information society.What is emerging today is education in four kinds of campus settings:<br />-Campus based education (conventional universities etc.)<br />-Dual mode education (Traditional universities offering online courses as well)<br />-Off campus education (open universities and distance education institutions, etc.)<br />-Global electronic campus education (virtual universities, electronic based consortia/global networks, etc.)There has been a tremendous growth and diversity in the number and types of learners, the learning outside traditional classrooms and also in the variety of providers from typical single mode and dual mode institutions (open universities/dual mode universities) with the purpose of increasing the access of corporate organizations to higher education in the aim of upgrading/retraining their workforce.By using ICTs, formal universities are being transformed into distance learning institutes. They are starting to lecture on and offline to meet the growing pool of part-time students and open another potentiality. On the other hand, distance learning institutes are aiming to make it possible to teach and learn beyond spatial/time limits.Behavioral and social issues play a huge role in the uptake of online offerings so do the economic issues that rule the implementation of online business models. The learning community would move beyond the classroom walls and would no more be dictated by the classroom schedule. Systems would no longer be age or time based. All boundaries related to distance, time, location of study, age, language, and culture would disappear. Individuals/groups that constitute the learning communities would be able to interact with each other across the globe. In other words, ICTs can personalize the prevailing impersonal studies by making dialogue teaching forms possible, and enabling them to be transmitted via data networks.The exponential growth of information and communications technology (ICT) over the last 10 to 15 years has had a profound impact in every walk of life. Given the impact of ICT on many businesses and industries, it is being seen as major change agent in the field of higher education too. ICTs are predicted to revolutionize the way education is delivered. Computers are increasingly becoming powerful with technological breakthroughs in satellite, fiber optic and wireless technology. Software developments such as multimedia authoring systems have made it easier to create digital material such as computer simulations and educational material. Consequently, there is great interest in virtual education, which is based on the idea of a widespread and significant application of ICT on the core activities of education.Many institutions worldwide, but particularly in North America, Australia and New Zealand, the United Kingdom and several other European countries such as Norway, Denmark and the Netherlands have taken early lead and invested heavily in online education infrastructure.It is clear that ICT capacity will continue to expand at a rapid rate throughout the world and will drive opportunities for online education. It will be in the interest of nations and institutions to embrace online education system.On the other hand, virtual education requires a stringent set of conditions to work efficiently and online accreditation must embrace multiple standards of learning if it is to be universally accepted. Thus, traditional education settings and processes will not disappear, nor should they.As today’s children become tomorrow’s college students, providing alternative (online) learning environments will become more and more important. With the changing face and needs of society, quick adaptation would be the key to success. While universities need not abandon their rich traditions, they must become more adaptable and flexible to survive. For institutions that refuse to change, the outcome is quite clear: public support will fade and they will eventually cease to exist. </p>]]></content:encoded> <wfw:commentRss>https://fixyrms.info/online-higher-education-in-the-21st-century,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Online Loans – A Breakthrough From The Stressful Traditional Lending Process</title> <link>https://fixyrms.info/online-loans-a-breakthrough-from-the-stressful-traditional-lending-process,html</link> <comments>https://fixyrms.info/online-loans-a-breakthrough-from-the-stressful-traditional-lending-process,html#comments</comments> <pubDate>Fri, 24 Feb 2023 06:27:33 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://fixyrms.info/?p=55</guid> <description><![CDATA[Each one of us need money at times to satisfy one or the other need which could not be met solely by depending on savings. Loans in such circumstances will be a perfect solution. You have two alternative options to borrow loan from the finance market. Let me explain them to you in a more [...]]]></description> <content:encoded><![CDATA[<p> Each one of us need money at times to satisfy one or the other need which could not be met solely by depending on savings. Loans in such circumstances will be a perfect solution. You have two alternative options to borrow loan from the finance market. Let me explain them to you in a more elaborate form.Imagine you are standing in a long queue just to submit your loan application form, drifting from one lender to the other whole day in search of information about the loans offered by them. How does it sound, it would pretty tiring and stressful.Now, imagine you are sitting in front of a computer which is equipped with internet and now you can access infinite number of lenders and can submit your loan application form online without moving from your home or office. Fill in a small application form and leave the rest on the lender; let them find the perfect loan for you. Isn’t it easy, using internet to apply for a loan from your home or office’s computer.If you have to decide which option is best for you, which one will you choose? I am sure; most of you will opt for the second option. Online loan<br />. The main reason behind this is that we all look for the best alternative which offers the convenience and ease to apply for a loan.The “online” concept has revolutionised the entire finance market. Thanks to internet, it has lead to the introduction of online loans. Online loans provide borrowers expediency to apply for a loan. Online lenders are popularly known as modern lenders who have given a breakthrough from the hassles and stress which use to exist in the past to the loan applicants in the UK.Online lenders have an edge over the traditional lenders. Online lenders can be approached at any time, they offer 24 hours service. A borrower need not approach each and every lender personally. With internet, he can access infinite number of online lenders. Online lenders cater to the diversified needs of the UK residents. They offer loans ranging from secured loans to unsecured loans and home equity loans to business loans. Online lenders have a loan for everyone; they offer specific loans that match with borrower’s individual circumstances. You may be a self-employed or a student, online lenders offer loans to all.Bad credit is not a problem. Online lenders understand the fact that it can happen to anyone. Online lenders offer specially designed loan to people who have faced bankruptcy, arrears or defaults. They offer adverse credit loan, bad credit personal loans and many others.Online process of applying for an online loan is simple and hassle free. A borrower needs to fill up an online application form with some personal information such as name, loan amount, loan purpose and phone number. This information will help lenders in finding the best and most appropriate loan for a borrower. Majority of the lenders ensure safety of personal information but there are some fake online websites which may misuse your personal details, so make sure to check the reliability of the online lenders you are applying for the loan from and make sure to read the Data Protection Act (DPA) statement before you apply for a loan.A borrower can also apply for online loan quotes which are available for free or nominal charges, but, make sure that the loan quote does not carry any obligation. Collect loan quotes from online lenders who can offer you with the loan you are looking for. Compare the loan quotes on the basis of loan term, loan amount, interest rate and fees charged by the lenders. A thorough comparison will help you find the loan which matches your personal financial circumstances to the best. Before, applying for an online loan, do read the terms and conditions mentioned in the loan agreement.If you find it difficult to decide which loan is best for you. You can seek for help from online loan advisors who work for online lenders. They can offer you useful advice which may guide you in finding the appropriate loan.Make a thorough research before applying for an online loan. A little effort now will help you save good sum of money in future. Enjoy the ease of applying for a loan with online loan. </p>]]></content:encoded> <wfw:commentRss>https://fixyrms.info/online-loans-a-breakthrough-from-the-stressful-traditional-lending-process,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Choosing the Right Business Loan For Your Company</title> <link>https://fixyrms.info/choosing-the-right-business-loan-for-your-company,html</link> <comments>https://fixyrms.info/choosing-the-right-business-loan-for-your-company,html#comments</comments> <pubDate>Fri, 24 Feb 2023 04:45:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://fixyrms.info/?p=53</guid> <description><![CDATA[Operating a business takes money and just about everyone has heard the expression you have to spend money to make money, but where do you get the money if you aren’t independently wealthy, or established? A business loan is the answer to most business needs. It doesn’t matter what size a business is, almost every [...]]]></description> <content:encoded><![CDATA[<p> Operating a business takes money and just about everyone has heard the expression you have to spend money to make money, but where do you get the money if you aren’t independently wealthy, or established? A business loan is the answer to most business needs. It doesn’t matter what size a business is, almost every business owner at some point has to consider a loan. A business loan can help a business get started, expand once it’s on its way and growing, or get a business through the tough spots that happen occasionally. Deciding on a business loan is a key step, but which loan is right for you and how do you decide between the many different various types?Skip the Loan and Use PlasticSome business owners opt for a slight variation on a business loan and choose to use credit cards to back their startup, expand on an existing business, or help their business through a tough stretch. The positive reason for using credit to fund your business is that it is often easier to get, or already existing in a personal credit card, but there are a couple of serious negatives to using this type of business financing. The first negative is that unless your existing credit line is unlimited there might not be enough funding on your credit cards. The second negative to using personal credit cards is that your personal and business cash flow is not separate. This can create havoc if you need to use your credit for important personal needs and it can have a similar effect on business funds if you suddenly have to tap into your credit for personal reasons. Lastly, the interest rate on credit cards is normally much higher than any of the various types of business loans.A Bridge Between Credit Cards and Business Loans: Lines of CreditA line of credit operates much the same as a credit card. You apply for a business loan line of credit and based on your qualifications you are approved for up to a certain amount. You are not charged on the loan until you actually use the money and are only charged for the amount you actually use. Another similarity between lines of credit and credit cards is the loan is often an unsecured loan meaning no assets are used to guarantee the loan such as homes, cars, the business itself. However, unlike a credit card business lines of credit have interest rates much closer to a traditional loan level.On the downside those interest rates are usually variable like a personal credit card and go up or down over the period of the loan. Another downside to lines of credit is that like a credit card your payments will usually be only a little more than the interest rate each month.This may seem like a plus at the start because the monthly payments are so low. The catch there is that lines of credit to not extend forever. There is almost always a set number of years for the loan amount to be available. At the end of that time (and sometimes within the last two years of the payback) money is not longer available. After that period, the payments are higher to make sure the money is completely paid back by the end of the loan.If you have the discipline to make yourself pay more than the minimum every month in order to pay down the loan, this can be a good loan to get. It allows for times when money is tight. You can pay the minimum at those times without risking a default on your loan.Traditional Types of Business LoansEven if you do not have an extensive amount of credit, and if you don’t think a line of credit is right for you, all is not lost. There are many more traditional styles of business loans to choose from:- Working Capital Loans: These loans are what most people think of when they consider getting a business loan. They come in two types, secured and unsecured. Unsecured versions of working capital loans are usually only available to those business owners with stellar credit, a sound business plan, and an established business with a proven track record. Startups are usually too risky to be granted unsecured working capital business loans. Secured working capital loans are a little easier to get although the amount of collateral needed to obtain these loans is often based on the credit of the borrower. These loans make it possible for all types of business to conduct their affairs on a day-to-day basis with available cash. Loans are commonly secured with homes, and other valuable assets.- Accounts Receivable Loans: These are short term types of financing available when you hit a tough spot and now you have money coming in at a particular time. Your business’ records of accounts receivable act as a security for such loans. On the downside the interest rates of these short term loans are usually higher than a long term standard loan, and you can end up in a vicious circle of using your assets (receivables) before you get them and then not have money left before your next income period. This type of loan should only be considered in a select few types of cases of emergency such as the need to meet payroll, purchase inventory at a value, or other necessities.- Business Only Loans: This type of loan is applied for using the capital and assets of the business alone and not any personal credit or credit history of the owner. It is only available to a business with a solid record of reliable income, the long-term prospect of fluid operation, and very strong business credit scores.Other Function Specific LoansThere are times during business operation when you need a loan for a specific type of purchase such as to buy new or replace old equipment, the purchase of real estate for the business, or other dedicated needs there are loans designed to be separately available for just those times.Getting The LoanThe best way to ensure success in getting your business loan is to be prepared. Enter your bank with a well-formulated business plan in hand and make sure your credit is up to par. If you know of any spots on your credit history, be prepared to explain them. Lenders are human too, and know that there are situations that are unavoidable but if you can prove your trouble is in the past and you are on more solid footing it will help a lot in getting the loan you desire. Letters of explanation to go along with your loan package help if there were situations such as illness, or caring for a sick loved one that caused problems in the past.One of the things that stops most people from attempting to get a loan is fear of rejection. Knowing what to expect can alleviate that fear. </p>]]></content:encoded> <wfw:commentRss>https://fixyrms.info/choosing-the-right-business-loan-for-your-company,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Small Business Accounting Software – How to Buy</title> <link>https://fixyrms.info/small-business-accounting-software-how-to-buy,html</link> <comments>https://fixyrms.info/small-business-accounting-software-how-to-buy,html#comments</comments> <pubDate>Thu, 23 Feb 2023 18:57:56 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Small Business]]></category> <guid isPermaLink="false">http://fixyrms.info/?p=50</guid> <description><![CDATA[Small business accounting software / Small business bookkeeping software — How to buy.There are lot of small business accounting / bookkeeping softwares out there. If you are a small business owner looking for a good software, you are bound to get overwhelmed by the endless list pretty quickly. Which one to buy? What features do [...]]]></description> <content:encoded><![CDATA[<p> Small business accounting software / Small business bookkeeping software — How to buy.There are lot of small business accounting / bookkeeping softwares out there. If you are a small business owner looking for a good software, you are bound to get overwhelmed by the endless list pretty quickly. Which one to buy? What features do they come with? Should I get all the features or just the ones I need? The questions go on and on without answer. If this is what is happening to you, don’t despair. There is hope. Read on. By the time you are done reading this short post you will be armed with all the knowledge you need to make an informed buying decision. First some questions about you.<br />How big is your business?<br /> Small business as defined by Small Business Administration is any business that is privately owned and employs less than 100 employees. Good enough. If we analyze this definition a bit closely we will quickly see that 100 employees is a big number. Assuming that you are paying $3000/month to each employee you are paying out $300,000/month as salary. If you own a business this big chances are you will not be looking for an accounting / bookkeeping software via internet. Sales agents from software companies will be waiting at your door to sell their software to you. Going by the fact that you are searching for a small business software on the internet you probably own a much smaller business. How much smaller? I think you own a business that has less than 5 employees. Most probably even less. Just one employee. Yourself.</p><p> What are you selling?<br /> Are you selling a material product? or just services? Do you make the product or just buy it pre-made? Do you have a real store or you are selling via your web site? How do you find your customers?</p><p> How much is your data volume?<br /> If you have a thriving business then you will have good data volume. How much it it? How many orders per month? How many new customers per month? How do store the data? How much data? What is expected growth rate of the data</p><p> Do you have a web site?<br /> Nearly all businesses, big or small have web sites these days. Do you have one? If not your should get one. Would you like your software to integrate seamlessly with your web site? Would you like to be able to access your small business accounting / bookkeeping software via the internet?</p><p> Your choice of small business accounting / bookkeeping software will depend upon the answers to above questions. Assuming that you have one person company you want something that is easy to use, some that can be accessed remotely form anywhere and it can grow with your company. Right? … Right!OK, one more thing that we did not discuss. Underlying technology. Even though it may not be visible, it is very important to know what kind of technology your small business software is using. After all it is the bed rock on which the software is built. Things may get a little complicated here but I will try to make them as simple as I can.Every small business accounting / bookkeeping software essentially does one thing. It store data. Data is information about your business. Customer names, addresses, products, orders, invoices … all are examples of data. So for a small business software to work efficiently it should be able to store data efficiently. Not only that, it should also be able to modify and retrieve data efficiently when you need it. After all what is the use of a black box software that cannot provide you the data when you need it. You still with me? Good.There are two ways to store data.<br />Flat file<br /> Relational</p><p>Flat file method uses flat text files, much like notepad files, to store data. It is old and archaic.The reason: it cannot hold any relationships among data entities. e.g. you want to store customers name and their invoices. You know that one customer can have many invoices. So to store customers and their invoices you will have to repeat customer name each time you store an invoice. Just like below.customer1 — invoice1customer1 — invoice2Problem with this approach is that you have to repeat the customer name every time you want to store an invoice. This is not efficient.Relational method uses relationships to store data. It is more efficient. Look at the same example that uses relational method. It uses customer name only once.customer1– invoice1– invoice2Elegant isn’t it? You bet. It is much cleaner, more efficient and easier to read. If you are still with me we are almost done. The whole point of the above song and dance was to show you that relational storage method is superior to flat file storage method. It should be an important factor to consider when you buy your small business computer software. Now, there are five major small business accounting / bookkeeping software.Quickbooks from Intuit , Simply Accounting, Peachtree (again from Intuit), Sage and Microsoft Small Business Accounting Software. Agreed?Now the bombshell. None of these small business software use relational storage method! Can you imagine? Wait there is more. All these are propriety software written by the big companies who use large scale ERP (Enterprise Resource Planning) software that runs on unix (not windows or mac) and uses relational database (relational storage method) to run their own businesses. Did you get what I just said. Let me rephrase. All these so called best small business software companies DO NOT USE THEIR OWN SOFTWARE. They use relational storage software, but they sell you non relational storage software in the name of small business software. The reason? Relation storage method is very expensive. Well not any more! </p>]]></content:encoded> <wfw:commentRss>https://fixyrms.info/small-business-accounting-software-how-to-buy,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://fixyrms.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://fixyrms.info/crypto-currency-vs-fiat-currency,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:40:25 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[cash]]></category> <category><![CDATA[Crypto currency]]></category> <category><![CDATA[currency]]></category> <guid isPermaLink="false">http://fixyrms.info/?p=48</guid> <description><![CDATA[Crypto currency vs. Fiat currency Are you aware of the fiat currencies and the crypto currencies? They both are currencies in one form or the other and are open for public use across the world. But they are both different and distinct in their own ways. There is always one group that favors the use [...]]]></description> <content:encoded><![CDATA[<p>Crypto currency vs. Fiat currency</p><p>Are you aware of the fiat currencies and the crypto currencies? They both are currencies in one form or the other and are open for public use across the world. But they are both different and distinct in their own ways. There is always one group that favors the use of cryptos, while the other has a soft corner for the fiat currencies.</p><p>In cashless society- crypto money play a huge role</p><p>If you have a look at the market of the 1970s and 1980s, you will find that the cash played the dominant role. But, with the change in the technology, electronic transactions have become the usual norm. Today, more and more people are influenced in becoming the cashless society. With the progress towards the cashless society, cryptocurrencies have a big role to play.</p><p>Crypto currency and fiat currency are always at loggerheads</p><p>Cryptocurrency and fiat currency are popular types of digital currency, especially when it is about an online transaction. They both are currencies currently in use in the market but have some differences in them. There is a hell lot of hypes that you will hear on a daily basis comparing the crypto money and the fiat money. This article will highlight the difference between the two in a more comprehensive and clear manner.</p><p>Differentiating in what the currencies stand for</p><p>Before going for the difference between the two, you must understand what do they stand for and how are they are defined.</p><p>The fiat currency is a legal tender that has the support of the central government, and it operates in the physical form. For instance, US dollars, British Pounds, Euro etc. On the other hand, the crypto currency is a non-legal tender, and doesn’t have any backup from the central government or bank.<br />Hence, the difference between crypto currency and fiat currency is noted as follows:</p><p>• Crypto-currencies are decentralized and global in nature. There are no one entity or government that controls the currency with their laws and regulations. The Fiat currency is centralized, under the control of the laws and regulations of the banks and government.</p><p>• Crypto-currencies have their existence only in the digital domain. On the other hand, you will find that the fiat currencies have a tangible and physical existence.</p><p>• There is a limited supply of crypto-currencies with a maximum set of them getting supplied in the market. Whereas, the fiat money has an unlimited supply as the government and bank are entitled to produce coins and paper money whenever the situation is required.</p><p>• The Bitcoin and other crypto type currencies are created by the computers, while the fiat currencies are issued by the local government and the banks.</p><p>• Cryptocurrencies are presented as the public and private code pieces. On the other hand, the fiat currencies are presented in the form of coins and paper money.</p><p>• The value of the crypto currencies is not recognized by the supply and demand of the market. Whereas, the fiat currency value is determined by the market regulations of supply and demand.</p><p>The different types of crypto and fiat currencies</p><p>In the last one decade, the popularity of crypto type currencies has emerged as a huge success. It was in 2009, when Bitcoin was first introduced, and years after several other types of crypto currencies have emerged. Starting from Litecoin. Dogecoin, Ripple to the Dcash and Zcash, there is a plethora of them. On the other hand, the fiat currency has a rich and ancient roots, with the Great British Pound, that dates back to 775 AD. It is considered as the oldest currency in the world that is still in use.</p><p>The differences in the anonymity between the two currencies</p><p>When you are using the fiat currencies, you need to undergo a user identification or verification process. You are asked to upload a recent picture of yourself and some of the required documents to be issued as per the public authorities. You don’t need to undergo any of the required processes with the crypto currencies. Though your personal information and confidential details don’t get public, but all your transactions are recorded and tracked in both the fiat and the crypto currencies.</p><p>Fiat currency vs crypto currency: transparency level</p><p>• The transparency level with the crypto type currencies are considered to be more. This is because the revenue streams are displayed in a public chain. Everyone can witness their own and others’ transactions.</p><p>• The fiat or govt. currencies are not transparent, as there are not public chains to see the revenue streams of the people.</p><p>A comparative historical roots</p><p>If you compare the crypto money with that of its counterpart, fiat or government currency, you will find that their existence and creation brings the difference. The Fiat or government currency, dates back its existence as early as 775 AD with the introduction of the Great British Pound. This is why fiat type currency is easily accepted by the people all over.</p><p>On the other hand, the crypto coin was perhaps first introduced only a decade ago, with the introduction of Bitcoin in 2009. The challenge that the Bitcoin and other crypto currencies face is catching up with the immense popularity and increasing fan base of the fiat currency. Crypto currency, is no doubt gaining importance and popularity in the economic market, but it has still not been accepted widely in the society as the fiat currency.</p><p>A comparative history of the two currencies:</p><p>• It was in the 11th century, when the Chinese Song dynasty was perhaps the first one to issue the paper money. It was not allowed to exchange with valuables like gold and silver or silk.</p><p>• There were Tally sticks that were introduced as a fiat or government currency. 1100 Tally sticks were introduced as a combat for the shortages in gold.</p><p>• 1971, was the year, when the fiat currency received a worldwide recognition. President Nixon introduced it in order to eliminate the dollar pegging system to gold.</p><p>• It was in 1998, when the idea of an anonymous electronic cash system emerged by Wei Dai. Bitgold-the very first crypto currency was created by Nick Szabo, but it didn’t receive as much attention as Bitcoin.</p><p>• In 2009, Bitcoin was introduced in the market, that became the first crypto currency that was accepted across the globe. In 2011 and after, a series of several other crypto currencies were introduced. Some of the popular ones include, Litecoin, Dogecoin, Ethereum, Ripple, Zcash, Dash and so on.</p><p>The traits of both the currencies</p><p>The potential of the crypto type currencies and fiat currencies, accessing their traits is important. You will find that in some of the criteria, Bitcoin and other crypto currency is superior than the fiat or government currency, and in some cases, the latter surpasses. It is absolutely your call to choose the type of currency (crypto type currency or fiat type currency) based on your personal needs and requirements.</p><p>Let us compare their traits with respect to certain factors.</p><p>• Both the crypto coins and fiat type currencies are interchangeable in nature.</p><p>• As per the portability is concerned both the currencies secure more or less the same position.</p><p>• With respect to the non consumable criteria, crypto currency and fiat type currency have the equal status.</p><p>• Crypto type currencies have high durability as compared to the fiat-currencies that have moderate level of durability.</p><p>• Both the crypto or virtual currencies and the fiat or government currencies ensure secure and safeguarded transactions and exchange.</p><p>• Crypto or digital currencies are highly divisible in nature. On the other hand, the fiat type currencies are moderately divisible.</p><p>• In terms of the transaction process, the crypto currencies are easy and hassle free. Whereas, on the other hand, the traction process associated with the fiat currencies are easy, but not like the cryptos.</p><p>• The crypto based currencies are decentralized and global in nature, unlike the fiat currencies that are centralized and functions under the laws and regulations of the government.</p><p>• The crypto based currencies have high scarcity, where as, the fiat currencies are unlimited as the government can issue coins and paper money whenever there is a need.</p><p>• The crypto based currencies are based on mathematical algorithms, and are programmable. The fiat currencies are not at all programmable.</p><p>• The fiat currencies are sovereign in nature, while the crypto currencies are not.</p><p>The process of the functioning of the currencies</p><p>You can find the significant differences between the crypto or digital currencies and the fiat currencies with the way they both operate and the transaction process that take place. They are contrasting in nature. The transfer of money using the Bitcoin is very quick, and you absolutely don’t need any third party association.</p><p>On the other hand, if you are involved with the money exchange using Fiat type currency, a mobile wallet is in use. You can exchange an amount of e-money that gets transferred into the equal e-value amount. Both the fiat and the crypto currencies enable you to purchase everything that you desire. But the processes involved are absolutely distinct from each other.</p><p>Depending on the things you purchase, you will find that one currency form is better than the other. This is absolutely your choice.</p><p>Is Bitcoin, a crypto currency better than the fiat-currency?</p><p>The long term benefits and the capability of the Bitcoins is still not established. But it has been predicted by the crypto currency gurus and experts, that they will go a long way, especially revolutionizing the way the online transactions are done. In the current market, the Bitcoin is mainly included in the online casinos and the gambling, but it is not limited to it.</p><p>Furthermore, when you compare the fiat currencies, the Bitcoin allows you to seize the power and authority from the banks and the government since it is not controlled. The cryptography based currency has the capability to create or come up with the free market capitals. Fiat currencies are affected by the inflation and the changes in the market, unlike the crypto based currencies. Such aspects make individuals believe that cryptograph based currencies will soon take over the mainstream currencies and bring a transformation in the way the money is used.</p><p>Why is Bitcoins considered to be a better aspect than the fiat type currencies?</p><p>• Bitcoin gives you the opportunity to re-create a free market capitalism.</p><p>• The power of controlling the money is absolutely with the individuals, and not with the banks like the fiat type currencies.</p><p>• When there is an inflation, the Bitcoin is not affected. But the Fiat type currency will be easier to lose and get affected by it.</p><p>• The Bitcoin currency is easy easier to exchange and transfer as compared to the fiat or government currencies.</p><p>• The transaction fees involved with the Bitcoin are way cheaper and easily affordable.</p><p>Crypto currencies seem to be a favorable option among the people</p><p>The fiat type currencies are the centralized and legal way of exchanging money. But, the crypto currencies have acquired immense popularity in the past few years. There will never be anyone who would act as a middle man, like the case with the banks. Moreover, the cryptos are way cheaper and less expensive that the conventional fiat currencies.</p><p>Send money anywhere directly without waiting for the bank’s approval</p><p>You can send money to anyone in the world directly, and it is super fast. The money gets cleared within a few minutes time. You don’t have to wait for the traditional clearing and verification processes of the banking systems, which might take up to several days to get a clearance. Since it is decentralized and doesn’t come under the law and regulations of the government, nobody has any power to do anything with your account.</p><p>The blockchain technology has a very big role to play</p><p>Thanks to the crypto currencies, that gives us the power and the authority to become our very own bank, and take control over our finances. It is because of the blockchain technology that offers a higher level of sophistication while dealing with the finances. In fact, there are some mainstream financial industries that have started incorporating the idea of the technology.</p>]]></content:encoded> <wfw:commentRss>https://fixyrms.info/crypto-currency-vs-fiat-currency,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Are You Choosing the Right Stock Market Advisory Company</title> <link>https://fixyrms.info/are-you-choosing-the-right-stock-market-advisory-company,html</link> <comments>https://fixyrms.info/are-you-choosing-the-right-stock-market-advisory-company,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:35:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[financial]]></category> <category><![CDATA[help you]]></category> <category><![CDATA[planners]]></category> <category><![CDATA[point]]></category> <guid isPermaLink="false">http://fixyrms.info/?p=46</guid> <description><![CDATA[What do you do if you want to learn driving a car? You will try to find an expert teacher, isn’t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, [...]]]></description> <content:encoded><![CDATA[<p>What do you do if you want to learn driving a car? You will try to find an expert teacher, isn’t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, when it comes to investing in the stock market for the first time, you require a knowledgeable advice to attain your financial goals and get profitable returns.</p><p>If you are a beginner, then it is quite obvious that you may be having no information about the process of buying the right shares in the market. In such a situation, getting the right tips from an experienced financial advisor or a registered advisory company will truly prove to be a great blessing in disguise. However, there are some of the important things that have to be kept in mind while choosing the top stock market advisory company, which are as follows:</p><p>How much assistance do you actually require?</p><p>Before you make up your mind to hire an advisor, it is imperative that you must first decide about the kind of service you require from them. You may need their help at the beginning or during the time of any issues. This is because an advisor has to formulate a map according to your requirements. Hence, it is suggested to ascertain your needs first and then take further action.</p><p>Choose a top ranked advisory company</p><p>It is a very important point that has to be taken into the consideration. Availing services of the well known advisory company or a financial advisor is an absolute necessity. Make it a point to carry out a proper background or research work about the company. Check out their credentials, reputation, experience, etc before hiring them.</p><p>Asking for a sample financial plan initially makes sense</p><p>When hiring a financial advisor, then do not forget to ask for sample plan first. It is imperative to note that there is no such thing called the perfect plan. A sample plan will help you to determine whether an advisory company is actually making sense according your requirements or not.</p><p>Conclusion</p><p>The financial planners or advisory companies can really turn out to be the greatest asset for you if you choose the best one. They are just like the professional sailors who can help you out to sail through stock investment related problems quite efficiently.</p><p>Deepak is a financial advisor who likes to provide quality tips to the people facing any issues with regard to investing in the stock market. He likes to keep himself updated about the stock market by reading articles, news and blogs, etc.</p>]]></content:encoded> <wfw:commentRss>https://fixyrms.info/are-you-choosing-the-right-stock-market-advisory-company,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Fear and Greed in the Market</title> <link>https://fixyrms.info/fear-and-greed-in-the-market,html</link> <comments>https://fixyrms.info/fear-and-greed-in-the-market,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:33:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[company]]></category> <category><![CDATA[indicators]]></category> <category><![CDATA[investors]]></category> <category><![CDATA[Market]]></category> <category><![CDATA[technical]]></category> <category><![CDATA[trading]]></category> <guid isPermaLink="false">http://fixyrms.info/?p=44</guid> <description><![CDATA[Greed and Fear. Two Emotions that play a bigger factor in the success or failure of humans than any other emotion we experience. Both fear and greed refer to an intrinsic emotional state. Tens of Millions of dollars have been made and lost based on these 2 emotions alone. In trading, in business and in [...]]]></description> <content:encoded><![CDATA[<p>Greed and Fear.</p><p>Two Emotions that play a bigger factor in the success or failure of humans than any other emotion we experience. Both fear and greed refer to an intrinsic emotional state. Tens of Millions of dollars have been made and lost based on these 2 emotions alone. In trading, in business and in relationships. So why do so many educational courses, stock trading books and online courses avoid this topic all together?</p><p>Perhaps they are not avoiding the topic of emotions, Perhaps by teaching certain methods and skill sets to their readers they are in fact dealing with the emotional side of trading head on!</p><p>It is well known that emotions create a certain amount of pleasure or displeasure. It is also known that emotions are networked with mood, frame of mind, desires and passions. The list goes on… So how do we as individuals develop a skill set to navigate these emotions in business in trading and in life?</p><p>Charles Darwin argued that emotions actually served a purpose for humans and rightfully so, If our emotions have been evolving for over 2 million years. Should we not be using these amazing skills to our advantage rather than placing blame on them for poor decision making? It is my belief the poor decision making has nothing to do with emotions and everything to do with laziness and lack of planning.</p><p>A Lesson From One of the Greats!</p><p>I would be doing my readers a disservice if we did not mention the strategy of Warren Buffett. One of the most successful investors of our time. Warren Buffet stuck to his strategy and profited greatly. Warren Buffett showed us just how important and beneficial it is to stick to a plan. When deciding whether or not to invest in a company himself, Buffett and his partners follow a few simple guidelines, one of which involves trying to determine the company’s longevity.</p><p>As the market becomes overwhelmed with greed, the same can happen with fear. When stocks suffer large losses for a sustained period of time, the overall market can become more fearful of sustaining even further losses. But being too fearful can be a grave mistake. It is precisely at this time successful investors and traders alike make their move. This is where the real money is made.</p><p>Just as greed dominated the recent Cryptocurrency boom or fear dominates the headlines on potential trade war outcomes, investors quickly move around from one “secure” investment to another. It becomes a constant game of cat and mouse.</p><p>This flooding in of money to the stock market shows a complete disregard for many technical indicators that continue to scream a correction is inescapable. Retail Investors seem overjoyed with the flooding in of headlines that read ALL TIME HIGH. Should retail investors be overrun by fear of a major correction?. Granted, losing a large portion of your retirement portfolio’s worth is a tough pill to swallow, but even harder to digest is the possibility of missing out on the massive gains the market is currently offering investors of all experience levels.</p><p>Having a clear understanding of my own personal goals, a understanding of my success and creating a list of my OWN wants and needs rather than taking dreams of others and trying to reach them has been a colossal factor in putting out the greed flame in my own trading and daily decision-making.</p><p>I have also added a link of “Must Read” Books that have been advantageous in my journey of reigning in my emotions on decision-making. I will update this as I see fit..</p><p>One method I have found to be helpful is to be careful on how I measure success, wealth, goals and most importantly happiness. It is far to easy these days to allow outside influences affect our happiness and success. Social media blasts us day in and day out with the success of others.</p>]]></content:encoded> <wfw:commentRss>https://fixyrms.info/fear-and-greed-in-the-market,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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