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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>gono bos</title> <atom:link href="http://gonobosms.info/feed/" rel="self" type="application/rss+xml" /> <link>https://gonobosms.info</link> <description></description> <lastBuildDate>Sat, 01 Mar 2025 12:01:18 +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>Internet Marketing Training For Home Based Business Owners</title> <link>https://gonobosms.info/internet-marketing-training-for-home-based-business-owners/</link> <comments>https://gonobosms.info/internet-marketing-training-for-home-based-business-owners/#comments</comments> <pubDate>Sat, 01 Mar 2025 12:01:18 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gonobosms.info/?p=75</guid> <description><![CDATA[How To Set Up and Start Operating a Home Based Business I remember myself anticipating to having my first website ready when I first started, as if when I would have it ready, my business would become internationally known at … <a href="https://gonobosms.info/internet-marketing-training-for-home-based-business-owners/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p><span style="text-decoration: underline;"><strong>How To Set Up and Start Operating a Home Based Business</strong></span></p><p>I remember myself anticipating to having my first website ready when I first started, as if when I would have it ready, my business would become internationally known at a blink of an eye! Being Enthusiastic is essential… Another thing that is essential though, is to try to keep your feet on the ground. Becoming known on the internet is a Step By Step process that you have to go through very carefully and with consistency. The more focused and consistent you are from the instant you start, the sooner you will achieve your business goals, by accordingly following your business plan! Most of All: Do Not Panic!!</p><p>1) <span style="text-decoration: underline;"><strong>Establishing Your Target Market</strong></span>:</p><p>This is probably the most important thing you can do when getting your business started. You have to do your research on Who Your Customers Are before you get into any type of marketing and advertising. Especially with Pay Per Click advertising e.g., on Google AdWords you have to know what are the right keywords for your business in order to attract the right people to you, that will ask exactly for what you have to offer. Marketing to the wrong set of keywords will kill your business, produce a substandard leads. On the other hand, marketing to the right set of keywords or the right target market will explode your business.</p><p>2) <span style="text-decoration: underline;"><strong>Find A Good Domain Name And Hosting Company</strong></span>:</p><p>This is the second very important part of your business foundation. Having a good domain name that relates directly to your offering business opportunity and a hosting company that has reliable customer service daily 24/7, Live Support to make sure your website – blog is up and running effectively.</p><p>3) <span style="text-decoration: underline;"><strong>Decide What Method You Will Use For Your Promotion Plan</strong></span>:</p><p>Squeeze Pages or Branding Site? After you have established your target market, and set up a domain and a hosting account for your website, you will need to decide what type of Marketing Site you will use. Squeeze pages and branding sites are different, but both are necessary tools for the internet marketer. As with any other topic, you will get different opinions when it comes to Squeeze Pages or Branding sites. I use Branding Sites as I want people to get to know who I am and where I come from before starting any kind of partnership or business deal with them.</p><p><span style="text-decoration: underline;"><strong>Difference between a Squeeze Page and a Branding Site</strong></span>:</p><p>A squeeze page is a mini sales page. Squeeze pages are also called opt in pages, splash pages, and landing pages. It’s the first and most important page that you will create and the place where your people will leave their name, email and number, in order to get more information about your business opportunity. Your squeeze page should have a smart eye-catching headline and invoke curiosity. The content of your squeeze page should address to solve a ‘problem’ or fill a ‘void’ of your customers.</p><p>Branding sites are designed to brand YOU. Word Press sites are great for branding. Word Press sites have a home page. The home page allows you to provide more information and detail than a squeeze page. As I mentioned earlier the branding site is meant to give your people information; lots of information about you, your product, and your services.</p><p>Lay out your branding site with a home page about your product and service. The “about me” tab should be all about you…your story, your background, and your truth.</p><p>It is a peoples’ Business and people will connect with you if they like you first and trust you later.</p><p>4) <span style="text-decoration: underline;"><strong>Pay Per Click Advertising</strong></span>:</p><p>Get Yourself Acquainted with the Forms and The Functionality of <strong>Pay per Click Advertising</strong>.</p><p><span style="text-decoration: underline;"><strong>What is Pay Per Click</strong></span>?</p><p>Pay Per Click Marketing is the fastest way to drive traffic to your web site, that is a fact.</p><p>The three big pay per click sites that are recommend are as follows and they are in this order for a reason with Google being at the top.</p><p>The three major search engines are Google, Yahoo, and MSN, but Google is the Leader of the market.</p><p>Google is the main pay per click marketing search engine.</p><p><span style="text-decoration: underline;"><strong>How Does Pay Per Click Work</strong>?</span></p><p>Pay Per Click works by you selecting keywords that are related to your business, product, or service.</p><p>1. You choose keywords or long key phrases</p><p>2. You bid an amount on those keywords or key phrases to get them seen</p><p>3. Google determines which ads to show</p><p><span style="text-decoration: underline;"><strong>So how do you get your ads seen</strong></span>?</p><p>1. <strong>Write an attractive ad</strong> (great copywriting is a key factor in all marketing)</p><p>2. <strong>Bid the right amount</strong></p><p>3. <strong>Make your ad relevant to your keywords as well as your website</strong></p><p>Google AdWords Program has unlimited free informative tutorials on how to set up and start your PPC campaign. There you will have the choice to target your ads according to language, country, set your own preferred bids on your ads and keywords, and set specific days for your ads to run or pause them anytime you wish.</p><p>After you make your keywords research, when you will know what you are doing it won’t be that difficult to get your ads seen throughout the web. To many people rush to get their ads out on Google and do not do the proper research, or work with experienced marketers and coaches.</p><p>You can apply the strategies you use for the big search engines like Google,Yahoo and MSN. Googles’ pay per click program is called Ad Words. There is a difference between “paid” search results that appear on the top and right-hand side and “natural” searches – the search results that appear on the left-hand side of the search page which are free and can make wanders if you manage with good Search Engine Optimization to get your ads there on the first pages of these engines.</p><p>5) <span style="text-decoration: underline;"><strong>Article Marketing Advertising</strong></span>:</p><p>Article marketing is probably one of our most interesting and cost effective ways to market.</p><p>This method requires a process and time to get results and visibility. It is a way for you and your business to become known on the web and be considered as an active part of the Online Marketers Community. What happens when you do article marketing is that people pick up your articles for content on their sites, for content. It’s huge. Your content is spread around virally.</p><p>The way this works is you write an article, something of value. Be sure you check out our chapter on outsourcing on next paragraphs, because if you don’t like to write, you can outsource it to experts.</p><p>When you write and submit your articles, you are putting in your links on these articles, the articles that you originally produce. These are one-way back links to your site, so when people pick up your articles for content, the Google crawler picks up the links and your site goes up in ranking. That means more visibility for you, more traffic to your site and recognition, traffic and hopefully sales.</p><p>The articles you submit should be relevant to the topic of your business. They should pertain to what you are doing and whatever business you are in. In this case your articles should pertain valuable content for your readers to go through concerning Home Business Industry Topics. These could be Internet Marketing Techniques, the advantages of running their own business from home, freedom of time, ‘How-To’ articles which are a very ‘HOT’ plate for the search engines and many more.</p><p>Make sure that your articles are around 300-500 word long. You want to be picked up as providing good content about your industry or business. You should have a bio attached to the article. BIO is the only place that you can ‘sell’. It’s the place for you to ‘TAKE’. This is where the link to your website or splash page will be located. The bio should be about you as the author. At the body of the article you only ‘GIVE’: Content of Value. The links in your Bio should come back to your website.</p><p>Your Bio should include 2-3 sentences pertaining 1) Who you are and what you do, 2) A reason to visit your site after reading your article and 3) A call to action, for them to do so.</p><p>Make room in your life to submit at least two articles per week; set aside a specific time or day to make it happen. You have lots of information you can write about in whatever industry you are in. You can do it manually, or you can purchase submission services through Article Submitter Special Software. They have over 1000 places to submit your articles. It is time saving and accelerates the process of distribution and visibility.</p><p>6) <span style="text-decoration: underline;"><strong>Video Marketing Activity (HUGE)</strong></span></p><p>Run a Google search on a topic like ‘best home based business opportunities’. Most likely, in addition to articles and websites, there will be several videos that pop up in the search results. Imagine having a dynamic and powerful video that introduces your product, service, and company live with your voice on and researchers landing on your beautiful video instead of being sent to a single and ‘one of the thousands’ splash pages. Google is very attracted to videos and pick them up quickly. It will help your ranking. Video Marketing is a very powerful selling tool as well as the fastest free way to get those ads out there. Use it in order to stay ahead of the competition.Your ultimate goal in marketing is to have your ads not only seen by as many potential customers as possible, but to be in front of as many of your targeted customers as possible.</p><p>The way you treat your Video Marketing campaign is the same with how you treat your PPC campaign and your article marketing campaign. You must focus on a specific ‘keyword-driven’ target market. At Step 1 I mentioned the importance of establishing a target market and a core group of keywords. The same keywords will be plugged into the videos when you submit them. Ultimately, everything comes up to your initial development of your target market and core keywords.</p><p>As in Article Marketing you can 1) submit your videos manually to limitless video directories for free like You Tube, Yahoo Videos, Google Videos, etc or 2) Submit to as many as possible directories through Video Submitting Software that do massive distribution of your videos with a click of a button.</p><p>7) <span style="text-decoration: underline;"><strong>Press Releases Marketing Method (Get Faster and Higher Ranking)</strong></span></p><p>Another way of effective marketing of your website is to write and submit Press Releases. The information in your press release needs to be viable, newsworthy and high value content. Inside your press release, you should have one-way links that bring readers back to your site – your branding site or your squeeze page. The difference between the articles and the Press Releases is that in PR you can place your URL link in the ‘body’ of your content, once every 100 words. Press releases are a great SEO tool that can quickly improve your ranking. There are a lot of sites looking to gather information to build the content on their websites, so if they pick up your press release, and inside your press release you have one-way links back to your site, the search engines will know and act accordingly by rewarding you with higher ranking.</p><p>This is a method that requires some time to build a reputation. Give it some time and as long as you do this on a consistent basis, sending out once press releases per month with relevant, high value information, you’ll start seeing increased traffic to your site. Again there is a free PR submission option and a paid one. Again it will be up to your budget flexibility.</p><p> <img src='https://gonobosms.info/wp-includes/images/smilies/icon_cool.gif' alt='8)' class='wp-smiley' /> <span style="text-decoration: underline;"><strong>Social Media Marketing</strong></span>:</p><p>Millions of people everyday are viewing, updating, or connecting with others all over the world. These sites are very easy to get set up on, as all you have to do is sign up with your information and you are ready.</p><p>As of today the big three that I use consistently for internet marketing are Facebook, Twitter, Linked In and Ecademy.com. There are hundreds more out there and this is a great way to let people know about whom you are what you do, as well as what your product or service is all about. Social Networking Sites are considered as the Hottest Market Place and reports have shown that people search and finally trust opportunities through viral tools, such as all these today’s Hot Marketing Trends.</p><p>You must apply the ’90-10%’ Marketing Rule which means, that the 90% of your posts and interactions must be about you socializing, making connections, letting people know you first and only a 10% talking about your business. People don’t like to be sold. Be human and treat like you would like to be treated. It is a Peoples’ Business.</p><p>9) <span style="text-decoration: underline;"><strong>Outsourcing Resources</strong></span>:</p><p>Every marketing method I mentioned so far, every tool that you are given to use can be outsourced. Evaluate the time that you can give to your business, filter the activities that are most compatible to your character and nature and outsource the rest! Web design building, hosting etc. You cannot outsource everything assuming that your budget is limited; you will have to learn how to do some of them, apply at least 2 of the previous mentioned methods for your business. Article marketing, Social Media Marketing and Pay Per Click advertising is definitely skills that anyone that starts an online business should master for himself and his business’s success.</p><p>Take it Step By Step when growing your business and grow your outsourcing at a steady pace. You always have the control of all your marketing activities. You are the leader and the one that will lead you to Success!</p><p>Make sure you are on the right track and apply the knowledge you learn, every single piece of it day by day! And of course enjoy yourselves always!</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://gonobosms.info/internet-marketing-training-for-home-based-business-owners/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>From Goose Farmer to Top Internet Marketer</title> <link>https://gonobosms.info/from-goose-farmer-to-top-internet-marketer/</link> <comments>https://gonobosms.info/from-goose-farmer-to-top-internet-marketer/#comments</comments> <pubDate>Sat, 01 Mar 2025 12:00:24 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[information]]></category> <category><![CDATA[Internet Marketer]]></category> <category><![CDATA[learnings]]></category> <category><![CDATA[make money online]]></category> <category><![CDATA[Money]]></category> <guid isPermaLink="false">http://gonobosms.info/?p=72</guid> <description><![CDATA[I was asked the other day ‘What’ it has been that had allowed me to change in such a short period of time my life into better. I was asked what I was doing and which miracle had happened that … <a href="https://gonobosms.info/from-goose-farmer-to-top-internet-marketer/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>I was asked the other day ‘What’ it has been that had allowed me to change in such a short period of time my life into better. I was asked what I was doing and which miracle had happened that I had more time and more money at the same time? I was asked if I had found something like an infinite income plan to make money online.</p><p>Well, I could have simply answered ‘yes’. But I felt like this was the right moment to going into depth and sharing what I had found and what the ‘secret’ was behind the scenes, behind my change and success: Darren Salkeld’s Infinite Income Plan and how i applied it to learn to earn cash from a top internet marketer and make money online myself – applying what I had learned and am still learning!</p><p>Make Money Online Secret Revealed: there was no secret, there is no secret. I wanted to learn to earn cash and simply researched for a real business opportunity online that would meet my criteria. I was blessed to meet Darren Salkeld on an international workshop, where he was presented as a top internet marketer. And this is exactly what Darren Salkeld is and where it all started for me.</p><p>The Infinite Income Plan is where Darren Salkeld has put together all his learnings and experience on how to learn to earn cash and make money online. Darren Salkeld put it all together in one place, in the Infinite Income Report.</p><p>So who is Darren Salkeld? Today Darren Salkeld stands synonymous for the Infinite Income Plan. Till a few years ago he was a hard working goose farmer and leader in his family business – with a small difference to so many others in his same position: he had a vision! Darren knew that there needed to be some way to learn to earn money and make money online. He went and researched each online marketer he could get hold of and each method he could try, he would do so.</p><p>Darren Salkeld today knows all the mechanisms to make money online as he knew how to learn to earn cash and talk with each successful internet marketer he could get hold of. Driven by his vision and solid principles and values that are key to making any income plan and marketing activity a vivid instrument to success, Darren Salkeld has decided to share his knowledge with you and me, with all of us. He even went a step further and created out of his personal instant income plan the infinite income plan which shows all of us a possibility to open our mind to new dimensions.</p><p>What attracted me most about the whole Infinite Income Plan, more than all the information on how to learn to earn cash and insights it gives, it is the fact that Darren Salkeld does not talk about tools and techniques only, as many internet marketers do. Darren highlights the importance of our values and believes, of our vision and wish to achieve.</p><p>A fast track to learn to earn cash and make money online is part of Darren’s Infinite Income Plan as well as motivational messages and clear guidance on all areas, apart from the pure business aspects, that are all part of our personal success stories.</p><p>You can have a list, the famous winning list of people online each internet marketer needs and wants. But it will be of no value if all these people will have no confidence in you. Only the moment that they will trust you, that they will feel that you care for them and about them, only then you will be really able to call your list a winning list! And this is exactly the secret formula that great online marketer Darren Salkeld used and still uses with his Infinite Income Plan.</p>]]></content:encoded> <wfw:commentRss>https://gonobosms.info/from-goose-farmer-to-top-internet-marketer/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Top 3 Activities to Do If You Want to Succeed in Internet Marketing</title> <link>https://gonobosms.info/top-3-activities-to-do-if-you-want-to-succeed-in-internet-marketing/</link> <comments>https://gonobosms.info/top-3-activities-to-do-if-you-want-to-succeed-in-internet-marketing/#comments</comments> <pubDate>Sat, 01 Mar 2025 11:57:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gonobosms.info/?p=68</guid> <description><![CDATA[Internet marketing is an attractive idea to make money on the side that eventually will become a full time income. Sadly, there is a lot of hype around this activity with thousands of products that promise outrageous incomes in 30 … <a href="https://gonobosms.info/top-3-activities-to-do-if-you-want-to-succeed-in-internet-marketing/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>Internet marketing is an attractive idea to make money on the side that eventually will become a full time income. Sadly, there is a lot of hype around this activity with thousands of products that promise outrageous incomes in 30 days or less or whatever other hype they can think about. But the overall premise is that you will be a multimillionaire by the time you finish reading their eBook and implement their techniques to dominate AdWords and Clickbank products.</p><p>However, the 3 best things to do to succeed are:</p><p>1. Learn how to drive traffic to your site for free. This means, learn SEO. Don’t depend on AdWords and CPC campaigns. This can be very costly if you don’t know what you are doing. AdWords is a great way to test a new campaign as long as you know how to properly set it up. Most people fail very fast and go into debt because they fail to do proper keyword research and set up their campaigns the right way. If you want to use AdWords as a way to drive traffic to your site or offer, you should consider reading Perry Marshall’s AdWords Definitive Guide.</p><p>2. Don’t buy every eBook that promises huge payouts in a matter of weeks. Most of these are hype and will under deliver. Take your time to research the products that you want to buy to study or to promote. A great place to do this research is 24hrprofits.com You will find consumer reports and product fact sheets without hype or bias and it will save you time and money.</p><p>3. Take your time. Don’t get discouraged because it’s been a month and you haven’t made any sales. This will take time. But if you stay the course, educate yourself and focus on the fundamentals, you will succeed.</p><p>In my opinion, one of the best products if you are starting on Affiliate Marketing is Commission Blueprint. Commission Blueprint combined with Perry Marshall’s AdWords guide will give a big boost and will be a great resource. Commission Blueprint has a step by step approach and it will show you via online video and training pdf ebooks, how to properly do keyword research, set up your AdWords ads, product selection and scalability of winning keywords and landing pages combinations. The course also includes templates for landing pages that will help you get started if you don’t know how to fully design html websites.</p><p>This is by far the best product I’ve seen in a long time and it covers both free and paid methods to set up winning campaigns. The system, if worked as taught will give a huge advantage over other affiliate beginners that are struggling with PPC or other ways to drive traffic to a site. Even if you decide to not use AdWords as a means to drive traffic, it will still be a great way to learn the whole process of affiliate marketing and how to make money online, whether your interest is supplemental income or to eventually make it a full time activity.</p>]]></content:encoded> <wfw:commentRss>https://gonobosms.info/top-3-activities-to-do-if-you-want-to-succeed-in-internet-marketing/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Difference Between Payday and Personal Loans in the UK</title> <link>https://gonobosms.info/difference-between-payday-and-personal-loans-in-the-uk/</link> <comments>https://gonobosms.info/difference-between-payday-and-personal-loans-in-the-uk/#comments</comments> <pubDate>Tue, 18 Jul 2023 07:40:37 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Online payday loan]]></category> <guid isPermaLink="false">http://gonobosms.info/?p=49</guid> <description><![CDATA[DEFINITION OF PERSONAL AND PAYDAY LOANSMost people feel that payday loans and personal loans are one and the same thing, but this is not at all true. They may seem similar, but they have many big differences which set the … <a href="https://gonobosms.info/difference-between-payday-and-personal-loans-in-the-uk/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> DEFINITION OF PERSONAL AND PAYDAY LOANSMost people feel that payday loans and personal loans are one and the same thing, but this is not at all true. They may seem similar, but they have many big differences which set the two options at opposite poles. One should consider the credit and the amount one needs to borrow to know what one qualifies for before one applies for it.Personal and payday loans are both useful when one requires an extra boost in finances, but this is the only similarity between them. The factors that vary are the term, cost and the amount among other different finances.DIFFERENTIATING FACTORSThe loan amount also differs when it comes to a comparison between the two. Most banks in the UK do not lend less than 1000 pounds for a 12 month period in case of personal loans.When it comes to cost comparison, personal ones are considerably cheaper with a maximum APR of 29.9% but one needs to have good and excellent credit. Payday loans can be usually more expensive, but it does not require any strict credit requirement.When it comes to loan term, personal loans offer around 5 years maximum as the loan tenure. Payday have a shorter term of around two to maybe four weeks that can go upto 12 months.When it comes to eligibility, personal loans which are offered by credit unions and banks have very strict criteria for eligibility. They generally require borrowers to have a good credit along with a fairly strong financial background. Payday loans seem much more flexible in comparison as lenders only require that the borrowers have a proper and regular source of income for qualifying.Personal loan lenders are online lenders, banks, peer to peer lenders and credit unions whereas payday loans are offered by those lenders who specialize in check cashing services and short term lending.PAYDAY OR SHORT TERM LOANSPayday loans, auto title loans and instalment loans have high fees and rates which could trap a person in a debt cycle. The person could be forced to take a second or even third loan just because they couldn’t pay the first one in the stipulated time limit. Alternatives to short term loans like local resources such as local charities, government agencies and non-profits offer relatively free services for financial needs and also help with rent, food and utilities for those people who are in dire need of it.One can also get payment extensions by talking with the concerned bill providers regarding an extension or a longer time frame or payment plan if one is behind on his or her payments. One can also take side jobs to catch up on the payment.COST FOR EACH OPTIONThe payment cost varies when it comes to payday loans versus personal loans. The interest rate that you will receive along with the terms is based on the individual’s credit history and if one has collateral or not along with the amount you borrow and the stipulated loan term.Payday loans whereas have APRs of three or four digits (100%-1000%). The actual total cost depends on the state of living of the borrower. APR represents the yearly cost which is important to note.DECIDING THE RIGHT TYPE OF LOANDeciding whether to opt for a payday loan or a personal loan depends on the amount of money that the individual intends to borrow and it also depends on the person’s credit. If one needs to borrow around 50 pounds to 1000 pounds, he or she can opt for a short term loan as personal loans require the person to borrow a minimum of 1000 pounds to around 2000 pounds.One must also consider the time factor. Short term loans offer faster times for the turnaround when compared to personal loans as it involves less approval process. Nowadays, more and more personal loan providers are shifting online hence they have almost the same processing speeds similar to short term loans like payday loans.Credit history is also an important factor. If the borrower has excellent credit scores, they are more likely to save money by obtaining a personal loan at lower interest when compared to a payday loan which will be available at higher cost.The total cost of the loan depends on the borrower’s monthly payments and also depends on the total amount to be repaid which depends mostly on the interest rate. One should always compare and consider various different options and check on online calculators offered by the lender to see which mode of loan is best suitable for your needs and how much one will need to repay.ALTERNATIVES AVAILABLEThere are many alternative options available to personal loans and payday loans which can be beneficial to the borrower. One can borrow a small sum or amount of money without the need for the borrower taking on a payday loan.Another short term loan is an installment loan in which the borrower repays the amount in a single lump sum. Thus, personal loans and payday loans for bad credit can be beneficial only when one carefully examines which loan type is best suited for his or her needs.</p>]]></content:encoded> <wfw:commentRss>https://gonobosms.info/difference-between-payday-and-personal-loans-in-the-uk/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Online Auto Loan Advantage</title> <link>https://gonobosms.info/the-online-auto-loan-advantage/</link> <comments>https://gonobosms.info/the-online-auto-loan-advantage/#comments</comments> <pubDate>Tue, 28 Mar 2023 15:54:54 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Online Auto Loans]]></category> <guid isPermaLink="false">http://gonobosms.info/?p=47</guid> <description><![CDATA[What are the advantages of getting your next auto loan online? Well, the first advantage could be time. You are going to save an ample amount of time by researching your purchase and the interest rates for car loans online. … <a href="https://gonobosms.info/the-online-auto-loan-advantage/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> What are the advantages of getting your next auto loan online? Well, the first advantage could be time. You are going to save an ample amount of time by researching your purchase and the interest rates for car loans online. It can take up more time than you might think to travel from car dealer to car dealer in order to see how much the car you are interested in is going to cost you, and how much your interest rate is going to be. All this can be done at home when you take advantage of online auto loans.Most people have heard about how you are able to get the very lowest rates possible on an auto loan when you procure the loan from an online lender. This is quite true. Many online loan companies have on their web sites an interactive widget that will allow you to compare automobile loan rates from many other loan company’s websites in real time. The highest of these auto loan rates are always going to be less than what your local car dealership will offer you.Another advantage of an online auto loan is that you generally do not have to pay any sort of processing or application fee in order to apply for – and receive – an auto loan. This alone will save the person looking for a good loan deal some money.With an online auto loan, you have the chance to do research on what type of car you want to buy. You can be sure of what a good price for a certain make and model of car will be, as well as its interest rate, before you even set foot into the automobile showroom. You can always count on getting a better deal when you have the facts and figures you need to help you to make a decision.An advantage that most people know nothing about until it magically starts to happen to them is the fact that you only have to fill out ONE loan application. That lone application will be sent to more than one dealer. As quickly as about ten minutes from the time your application is sent, you will start to receive contact from multiple dealers, all eager to sell you a car. Sometimes this is by telephone, depending, of course, on the time of day. And, sometimes the initial contact from a dealer is via email.You will have your choice of lenders, as it is almost a given that more than one of them will contact you. You can afford to take your time here as well, as no one is going to rush you, or try to make you believe that your good loan deal is going to disappear if you don’t hurry up and take advantage of it. You can do research on the lenders who have offered you a loan before you choose which one to go with. The advantages to getting an auto loan online are many, and best of all, they all benefit you. </p>]]></content:encoded> <wfw:commentRss>https://gonobosms.info/the-online-auto-loan-advantage/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Comprehensive List of Questions to Solve All Your Doubts Regarding Post Bankruptcy Auto Loans</title> <link>https://gonobosms.info/comprehensive-list-of-questions-to-solve-all-your-doubts-regarding-post-bankruptcy-auto-loans/</link> <comments>https://gonobosms.info/comprehensive-list-of-questions-to-solve-all-your-doubts-regarding-post-bankruptcy-auto-loans/#comments</comments> <pubDate>Tue, 28 Mar 2023 13:44:00 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Auto Loans]]></category> <guid isPermaLink="false">http://gonobosms.info/?p=45</guid> <description><![CDATA[Car financing can benefit you in more than one way. Auto loans are not only an alternative for buying a car but also a means of improving your credit score. Car loans can be a blessing for borrowers because they … <a href="https://gonobosms.info/comprehensive-list-of-questions-to-solve-all-your-doubts-regarding-post-bankruptcy-auto-loans/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Car financing can benefit you in more than one way. Auto loans are not only an alternative for buying a car but also a means of improving your credit score. Car loans can be a blessing for borrowers because they improve credit scores. One such car loan is post bankruptcy auto loan.Most people think it is impossible to get auto financing options after filing for bankruptcy. But, the reality is different. One can easily get a post bankruptcy auto loan and can buy the car of his choice. This article will solve all your queries regarding auto financing after bankruptcy and provide you a better understanding of the subject.What Is The Need For Post Bankruptcy Car Loans?When you have just come out of bankruptcy, you have a very bad credit score. It becomes extremely difficult for you to get a car loan. So, you need a very specific auto loan option which can help in getting a car and improving your credit score as well. A post bankruptcy car loan can help you in fulfilling both.Can I Get An Auto Loan After Filing Bankruptcy?Although you can get an auto finance after filing bankruptcy, it is better to wait till your bankruptcy is over. Once you have a discharged bankruptcy, you can expect reduction in interest rates. This is so because lenders associate high risk with bankruptcy. But, once you get out of it, the risk factor reduces. Also, coming out of bankruptcy is a major success. Lenders think that if you can successfully handle a bankruptcy, car loans would be very easy for you. Keeping this in mind, it’s best to apply after discharging your bankruptcy.How Long To Wait Before Getting A Post Bankruptcy Auto Loan?Every lender has separate lending criteria. There are many lenders who offer auto loans to borrowers with open bankruptcy. But, the interest rates will be very high if you apply for an automobile loan with open bankruptcy. So, it’s best to wait until you discharge bankruptcy.You can submit the car loan application the very next day of discharging your bankruptcy. However, if you are not in urgent need of a car, it’s advisable to wait for two to three months. During this time, you must concentrate on improving your credit score. This will aid in lowering interest rates.How to Apply for Auto Financing Post Bankruptcy?There are many options to get an auto loan after coming out of bankruptcy. You can apply with a local dealer, private lender or even choose an online auto financing company.An online auto financing company can be a better option because they have several lenders in their network. This increases the post bankruptcy car loan approval ratio. When you apply online, you don’t even need to leave your home for submitting the car loan application. Also, your process becomes quick and uncomplicated.What to Do After Applying for Post Bankruptcy Auto Loans?After you apply for post bankruptcy car financing, you must analyze every car loan quote. Do not use monthly payments as the only factor for comparing loan quotes. You must consider APR, interest rates, car loan term, others fees and charges, etc. This will give you a more comprehensive result.A doubt is the root cause of failure. But, now that you know all about post bankruptcy auto loans, it will be very easy to get one.If you are struggling with the consequences of bankruptcy, it’s time to get a post bankruptcy car finance and build your credit score!Best of luck! </p>]]></content:encoded> <wfw:commentRss>https://gonobosms.info/comprehensive-list-of-questions-to-solve-all-your-doubts-regarding-post-bankruptcy-auto-loans/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Understanding the Risks of Transfer-Of-Title Stock Loans: IRS Rules Nonrecourse Stock Loans As Sales</title> <link>https://gonobosms.info/understanding-the-risks-of-transfer-of-title-stock-loans-irs-rules-nonrecourse-stock-loans-as-sales/</link> <comments>https://gonobosms.info/understanding-the-risks-of-transfer-of-title-stock-loans-irs-rules-nonrecourse-stock-loans-as-sales/#comments</comments> <pubDate>Tue, 21 Mar 2023 17:11:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gonobosms.info/?p=43</guid> <description><![CDATA[Definition of Transfer-of-Title Nonrecourse Securities Loans. A nonrecourse, transfer-of-title securities-based loan (ToT) means exactly what it says: You, the title holder (owner) of your stocks or other securities are required to transfer complete ownership of your securities to a third … <a href="https://gonobosms.info/understanding-the-risks-of-transfer-of-title-stock-loans-irs-rules-nonrecourse-stock-loans-as-sales/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Definition of Transfer-of-Title Nonrecourse Securities Loans. A nonrecourse, transfer-of-title securities-based loan (ToT) means exactly what it says: You, the title holder (owner) of your stocks or other securities are required to transfer complete ownership of your securities to a third party before you receive your loan proceeds. The loan is “nonrecourse” so that you may, in theory, simply walk away from your loan repayment obligations and owe nothing more if you default.Sounds good no doubt. Maybe too good. And it is: A nonrecourse, transfer-of-title securities loan requires that the securities’ title be transferred to the lender in advance because in virtually every case they must sell some or all of the securities in order to obtain the cash needed to fund your loan. They do so because they have insufficient independent financial resources of their own. Without selling your shares pracitcally the minute they arrive, the could not stay in business.History and background. The truth is that for many years these “ToT” loans occupied a gray area as far as the IRS was concerned. Many CPAs and attorneys have criticized the IRS for this lapse, when it was very simple and possible to classify such loans as sales early on. In fact, they didn’t do so until many brokers and lenders had established businesses that centered on this structure. Many borrowers understandably assumed that these loans therefore were non-taxable.That doesn’t mean the lenders were without fault. One company, Derivium, touted their loans openly as free of capital gains and other taxes until their collapse in 2004. All nonrecourse loan programs were provided with insufficient capital resources.When the recession hit in 2008, the nonrecourse lending industry was hit just like every other sector of the economy but certain stocks soared — for example, energy stocks — as fears of disturbances in Iraq and Iran took hold at the pump. For nonrecourse lenders with clients who used oil stocks, this was a nightmare. Suddenly clients sought to repay their loans and regain their now much-more-valuable stocks. The resource-poor nonrecourse lenders found that they now had to go back into the market to buy back enough stocks to return them to their clients following repayment, but the amount of repayment cash received was far too little to buy enough of the now-higher-priced stocks. In some cases stocks were as much as 3-5 times the original price, creating huge shortfalls. Lenders delayed return. Clients balked or threatened legal action. In such a vulnerable position, lenders who had more than one such situation found themselves unable to continue; even those with only one “in the money” stock loan found themselves unable to stay afloat.The SEC and the IRS soon moved in. The IRS, despite having not established any clear legal policy or ruling on nonrecourse stock loans, notified the borrowers that they considered any such “loan” offered at 90% LTV to be taxable not just in default, but at loan inception, for capital gains, since the lenders were selling the stocks to fund the loans immediately. The IRS received the names and contact information from the lenders as part of their settlements with the lenders, then compelled the borrowers to refile their taxes if the borrowers did not declare the loans as sales originally — in other words, exactly as if they had simply placed a sell order. Penalties and accrued interest from the date of loan closing date meant that some clients had significant new tax liabilities.Still, there was no final, official tax court ruling or tax policy ruling by the IRS on the tax status of transfer-of-title stock loan style securities finance.But in July of 2010 that all changed: A federal tax court finally ended any doubt over the matter and said that loans in which the client must transfer title and where the lender sells shares are outright sales of securities for tax purposes, and taxable the moment the title transfers to the lender on the assumption that a full sale will occur the moment such transfer takes place.Some analysts have referred to this ruling as marking the “end of the nonrecourse stock loan” and as of November, 2011, that would appear to be the case. From several such lending and brokering operations to almost none today, the bottom has literally dropped out of the nonrecourse ToT stock loan market. Today, any securities owner seeking to obtain such a loan is in effect almost certainly engaging in a taxable sale activity in the eyes of the Internal Revenue Service and tax penalties are certain if capital gains taxes would have otherwise been due had a conventional sale occurred. Any attempt to declare a transfer-of-title stock loan as a true loan is no longer possible.That’s because the U.S. Internal Revenue Service today has targeted these “walk-away” loan programs. It now considers all of these types of transfer-of-title, nonrecourse stock loan arrangements, regardless of loan-to-value, to be fully taxable sales at loan inception and nothing else and, moreover, are stepping up enforcement action against them by dismantling and penalizing each nonrecourse ToT lending firm and the brokers who refer clients to them, one by one.A wise securities owner contemplating financing against his/her securities will remember that regardless of what a nonrecourse lender may say, the key issue is the transfer of the title of the securities into the lender’s complete authority, ownership, and control, followed by the sale of those securities that follows. Those are the two elements that run afoul of the law in today’s financial world. Rather than walking into one of these loan structures unquestioning, intelligent borrowers are advised to avoid any form of securities finance where title is lost and the lender is an unlicensed, unregulated party with no audited public financial statements to provide a clear indication of the lender’s fiscal health to prospective clients.End of the “walkway.” Nonrecourse stock loans were built on the concept that most borrowers would walk away from their loan obligation if the cost of repayment did not make it economically worthwhile to avoid default. Defaulting and owing nothing was attractive to clients as well, as they saw this as a win-win. Removing the tax benefit unequivocally has ended the value of the nonrecourse provision, and thereby killed the program altogether.Still confused? Don’t be. Here’s the nonrecourse stock loan process, recapped:Your stocks are transferred to the (usually unlicensed) nonrecourse stock loan lender; the lender then immediately sells some or all of them (with your permission via the loan contract where you give him the right to “hypothecate, sell, or sell short”).The ToT lender then sends back a portion to you, the borrower, as your “loan” at specific interest rates. You as borrower pay the interest and cannot pay back part of the principal – after all, the lender seeks to encourage you to walk away so he will not be at risk of having to go back into the market to buy back shares to return to you at loan maturity. So if the loan defaults and the lender is relieved of any further obligation to return your shares, he can lock in his profit – usually the difference between the loan cash he gave to you and the money he received from the sale of the securities.At this point, most lender’s breathe a sigh of relief, since there is no longer any threat of having those shares rise in value. (In fact, ironically, when a lender has to go into the market to purchase a large quantity of shares to return to the client, his activity can actually send the market a “buy” signal that forces the price to head upwards – making his purchases even more expensive!) It’s not a scenario the lender seeks. When the client exercises the nonrecourse “walkaway” provision, his lending business can continue.Dependence on misleading brokers: The ToT lender prefers to have broker-agents in the field bringing in new clients as a buffer should problems arise, so he offers relatively high referral fees to them. He can afford to do so, since he has received from 20-25% of the sale value of the client’s securities as his own. This results in attractive referral fees, sometimes as high as 5% or more, to brokers in the field, which fuels the lender’s business.Once attracted to the ToT program, the ToT lender then only has to sell the broker on the security of their program. The most unscrupulous of these “lenders” provide false supporting documentation, misleading statements, false representations of financial resources, fake testimonials, and/or untrue statements to their brokers about safety, hedging, or other security measures – anything to keep brokers in the dark referring new clients. Non-disclosure of facts germane to the accurate representation of the loan program are in the lender’s direct interest, since a steady stream of new clients is fundamental to the continuation of the business.By manipulating their brokers away from questioning their ToT model and onto selling the loan program openly to their trusting clients, they avoid direct contact with clients until they are already to close the loans. (For example, some of the ToTs get Better Business Bureau tags showing “A+” ratings knowing that prospective borrowers will be unaware that the Better Business Bureau is often notoriously lax and an easy rating to obtain simply by paying a $500/yr fee. Those borrowers will also be unaware of the extreme difficulty of lodging a complaint with the BBB, in which the complainant must publicly identify and verify themselves first.In so doing, the ToT lenders have created a buffer that allows them to blame the brokers they misled if there should be any problems with any client and with the collapse of the nonrecourse stock loan business in 2009, many brokers — as the public face of loan programs – unfairly took the brunt of criticism. Many well-meaning and perfectly honest individuals and companies with marketing organizations, mortgage companies, financial advisory firms etc. were dragged down and accused of insufficient due diligence when they were actually victimized by lenders intent on revealing on those facts most likely to continue to bring in new client borrowers.Why the IRS calls Transfer-of-Title loans “ponzi schemes.” So many aspects of business could be called a “ponzi scheme” if one thinks about it for a moment. Your local toy story is a “ponzi scheme” in that they need to sell toys this month to pay off their consignment orders from last month. The U.S. government sells bonds to foreign investors at high interest to retire and payoff earlier investors. But the IRS chose to call these transfer-of-title stock loans “ponzi schemes” because:1) The lender has no real financial resources of his own and is not held to the same reserve standards as, say, a fully regulated bank; and2) The repurchase of shares to return to clients who pay off their loans depends 100% on having enough cash from the payoff of the loan PLUS a sufficient amount of other cash from the sale of new clients’ portfolios to maintain solvency. Therefore, they are dependent entirely on new clients to maintain solvency and fulfill obligations to existing clients.The U.S. Department of Justice has stated in several cases that ToT lenders who:1) Do not clearly and fully disclose that the shares will be sold upon receipt and;2) Do not show the full profit and cost to the client of the ToT loan structure… will be potentially guilty of deceptive practices.In addition, many legal analysts believe that the next step in regulation will be to require any such ToT lender to be an active member of the National Association of Securities Dealers, fully licensed, and in good standing just as all major brokerages and other financial firms are. In other words, they will need to be fully licensed before they can sell client shares pursuant to a loan in which the client supposedly is a “beneficial” owner of the shares, but in truth has no legal ownership rights any more whatsoever.The IRS is expected to continue to treat all ToT loans as sales at transfer of title regardless of lender licensing for the foreseeable future. Borrowers concerned about the exact tax status of such loans they already have are urged to consult with the IRS directly or with a licensed tax advisor for more information. Above all, they should be aware that any entry into any loan structure where the title must pass to a lending party is almost certainly to be reclassified as a sale by the Internal Revenue Service and will pose a huge, unacceptable risk.More on the fate of ToT brokers. A ToT lender is always exceptionally pleased to get a broker who has an impeccable reputation to carry the ToT “ball” for them. Instead of the lender having to sell the loan program to the clients directly, the lender can thereby piggyback onto the strong reputation of the broker with no downside, and even blame the broker later for “not properly representing the program” if there are any complaints – even though the program was faithfully communicated as the lender had represented to the broker. Some of these brokers are semi-retired, perhaps a former executive of a respected institution, or a marketing firm with an unblemished record and nothing but long-standing relationships with long-term clients.ToT lenders who use elaborate deception with their brokers to cloud their funding process, to exaggerate their financial resources, to claim asset security that is not true, etc. put brokers and marketers in the position of unknowingly making false statements in the market that they believed were true, and thereby unknowingly participating in the ToT lender’s sale-of-securities activities. By creating victims out of not just borrowers, but also their otherwise well-meaning advisors and brokers (individuals who have nothing to do with the sale, the contracts, or the loan etc) –many firms and individuals with spotless reputations can find those reputations stained or destroyed with the failure of their lending associate. Yet, without those brokers, the ToT lender cannot stay in business. It is no wonder that such lenders will go to extraordinary lengths to retain their best brokers.When it breaks down: The system is fine until the lender is one day repaid at loan maturity, just as the loan contract allows, instead of exercising his nonrecourse rights and “walking away” as most transfer-of-title lenders prefer. The client wants to repay his loan and he does. Now he wants his shares back.Obviously, if the lender receives repayment, and that money received is enough to buy back the shares on the open market and send them back to the client, all is well. But the lender doesn’t want this outcome. The transfer-of-title lender’s main goal is to avoid any further responsibilities involving the client’s portfolio. After all, the lender has sold the shares.But problems occur with the ToT lender (as it did originally with Derivium and several ToT lenders who collapsed between 2007 and 2010) when a client comes in, repays his loan, but the cost to the lender of repurchasing those shares in the open market has gone dramatically up because the stock portfolio’s value has gone dramatically up.When faced with financial weakness, the lender with no independent resources of his own to fall back on may now pressure his brokers further to pull in new clients so he can sell those new shares and use that money to buy up the stock needed to pay return to the original client. Delays in funding new clients crop up as the lender “treads water” to stay afloat. Promises and features that are untrue or only partly true are used to enhance the program for brokers. Now the new clients come in, and they are told that funding will take seven days, or ten days, or even two weeks, since they are using that sale cash to buy back and return the stocks due back to the earlier client. Desperate lenders will offer whatever they can to keep the flow of clients coming in.If the ToT lender’s clients are patient and the brokers have calmed them because of the assurances (typically written as well as verbal) of the lender or other incentives such as interest payment moratoria, then the ToT lender might get lucky and bring in enough to start funding the oldest remaining loans again. But once in deficit, the entire structure begins to totter.If a major marketer or broker, or a group of brokers stops sending new clients to the lender out of concern for delays in the funding of their clients or other concerns about their program, then the lender will typically enter a crisis. Eventually all brokers will follow suit and terminate their relationship as the weakness in the lender’s program becomes undeniable and obvious. New clients dry up. Any pre-existing client looking to repay their loan and get their shares back finds out that there will be long delays even after they have paid (most of those who pay off their loans do so only if they are worth more, too!).The ToT lender collapses, leaving brokers and clients victimized in their wake. Clients may never see their securities again.Conclusion. If you are a broker helping transfer you shares for your client’s securities-backed loan, or if you are a broker calling such structures “loans” instead of the sales that they really are, then you must understand what the structure of this financing is and disclose it fully to your clients at the very least. Better, stop having any involvement whatsoever with transfer-of-title securities loans and help protect your clients from bad decisions – regardless of fees being dangled as bait. There are very strong indications that regulators will very soon rule that those who engage in such loans are deceiving their clients by the mere fact that they are being called “loans”.If you are a client considering such a loan, you are probably entering into something that the IRS will consider a taxable sale of assets that is decidedly not in your best interest. Unless your securities-based loan involves assets that remain in your title and account unsold, that allow free prepayment when you wish without penalty, that allow you all the privileges of any modern U.S. brokerage in an SIPC-insured account with FINRA-member advisors and public disclosure of assets and financial health as with most modern U.S. brokerages and banks. — then you are almost certainly engaging in a very risky or in some cases possibly even illegal financial transaction.Maybe once such structures occupied a legal gray area; today nonrecourse stock loans do not. </p>]]></content:encoded> <wfw:commentRss>https://gonobosms.info/understanding-the-risks-of-transfer-of-title-stock-loans-irs-rules-nonrecourse-stock-loans-as-sales/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Group Insurance Health Care and the HIPAA Privacy Rule</title> <link>https://gonobosms.info/group-insurance-health-care-and-the-hipaa-privacy-rule/</link> <comments>https://gonobosms.info/group-insurance-health-care-and-the-hipaa-privacy-rule/#comments</comments> <pubDate>Tue, 21 Mar 2023 16:29:49 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gonobosms.info/?p=41</guid> <description><![CDATA[HIPAA stands for Health Insurance Portability and Accountability Act. When I hear people talking about HIPAA, they are usually not talking about the original Act. They are talking about the Privacy Rule that was issued as a result of the … <a href="https://gonobosms.info/group-insurance-health-care-and-the-hipaa-privacy-rule/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> HIPAA stands for Health Insurance Portability and Accountability Act. When I hear people talking about HIPAA, they are usually not talking about the original Act. They are talking about the Privacy Rule that was issued as a result of the HIPAA in the form of a Notice of Health Information Practices.The United States Department of Health & Human Services official Summary of the HIPAA Privacy Rule is 25 pages long, and that is just a summary of the key elements. So as you can imagine, it covers a lot of ground. What I would like to offer you here is a summary of the basics of the Privacy Rule.When it was enacted in 1996, the Privacy Rule established guidelines for the protection of individuals’s health information. The guidelines are written such that they make sure that an individual’s health records are protected while at the same time allowing needed information to be released in the course of providing health care and protecting the public’s health and well being. In other words, not just anyone can see a person’s health records. But, if you want someone such as a health provider to see your records, you can sign a release giving them access to your records.So just what is your health information and where does it come from? Your health information is held or transmitted by health plans, health care clearinghouses, and health care providers. These are called covered entities in the wording of the rule.These guidelines also apply to what are called business associates of any health plans, health care clearinghouses, and health care providers. Business associates are those entities that offer legal, actuarial, accounting, consulting, data aggregation, management, administrative, accreditation, or financial services.So, what does a typical Privacy Notice include?<br />The type of information collected by your health plan.<br /> A description of what your health record/information includes.<br /> A summary of your health information rights.<br /> The responsibilities of the group health plan.</p><p>Let’s look at these one at a time:Information Collected by Your Health Plan:The group healthcare plan collects the following types of information in order to provide benefits:Information that you provide to the plan to enroll in the plan, including personal information such as your address, telephone number, date of birth, and Social Security number.Plan contributions and account balance information.The fact that you are or have been enrolled in the plans.Health-related information received from any of your physicians or other healthcare providers.Information regarding your health status, including diagnosis and claims payment information.Changes in plan enrollment (e.g., adding a participant or dropping a participant, adding or dropping a benefit.)Payment of plan benefits.Claims adjudication.Case or medical management.Other information about you that is necessary for us to provide you with health benefits.Understanding Your Health Record/Information:Each time you visit a hospital, physician, or other healthcare provider, a record of your visit is made. Typically, this record contains your symptoms, examination and test results, diagnoses, treatment, and a plan for future care or treatment.This information, often referred to as your health or medical record, serves as a:Basis for planning your care and treatment.Means of communication among the many health professionals who contribute to your care.Legal document describing the care you received.Means by which you or a third-party payer can verify that services billed were actually provided.Tool in educating health professionals.Source of data for medical research.Source of information for public health officials charged with improving the health of the nation.Source of data for facility planning and marketing.Tool with which the plan sponsor can assess and continually work to improve the benefits offered by the group healthcare plan. Understanding what is in your record and how your health information is used helps you to:Ensure its accuracy.Better understand who, what, when, where, and why others may access your health information.Make more informed decisions when authorizing disclosure to others.Your Health Information Rights:Although your health record is the physical property of the plan, the healthcare practitioner, or the facility that compiled it, the information belongs to you. You have the right to:Request a restriction on otherwise permitted uses and disclosures of your information for treatment, payment, and healthcare operations purposes and disclosures to family members for care purposes.Obtain a paper copy of this notice of information practices upon request, even if you agreed to receive the notice electronically.Inspect and obtain a copy of your health records by making a written request to the plan privacy officer.Amend your health record by making a written request to the plan privacy officer that includes a reason to support the request.Obtain an accounting of disclosures of your health information made during the previous six years by making a written request to the plan privacy officer.Request communications of your health information by alternative means or at alternative locations.Revoke your authorization to use or disclose health information except to the extent that action has already been taken.Group Health Plan Responsibilities:The group healthcare plan is required to:Maintain the privacy of your health information.Provide you with this notice as to the planâEUR(TM)s legal duties and privacy practices with respect to information that is collected and maintained about you.Abide by the terms of this notice.Notify you if the plan is unable to agree to a requested restriction.Accommodate reasonable requests you may have to communicate health information by alternative means or at alternative locations. The plan will restrict access to personal information about you only to those individuals who need to know that information to manage the plan and its benefits. The plan will maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your personal information. Under the privacy standards, individuals with access to plan information are required to:Safeguard and secure the confidential personal financial information and health information as required by law. The plan will only use or disclose your confidential health information without your authorization for purposes of treatment, payment, or healthcare operations. The plan will only disclose your confidential health information to the plan sponsor for plan administration purposes.Limit the collection, disclosure, and use of participant’s healthcare information to the minimum necessary to administer the plan.Permit only trained, authorized individuals to have access to confidential information.Other items that may be addressed include:Communication with family. Under the plan provisions, the company may disclose to an employee’s family member, guardian, or any other person you identify, health information relevant to that person’s involvement in your obtaining healthcare benefits or payment related to your healthcare benefits.Notification. The plan may use or disclose information to notify or assist in notifying a family member, personal representative, or another person responsible for your care, your location, general condition, plan benefits, or plan enrollment.Business associates. There are some services provided to the plan through business associates. Examples include accountants, attorneys, actuaries, medical consultants, and financial consultants, as well as those who provide managed care, quality assurance, claims processing, claims auditing, claims monitoring, rehabilitation, and copy services. When these services are contracted, it may be necessary to disclose your health information to our business associates in order for them to perform the job we have asked them to do. To protect employee’s health information, however, the company will require the business associate to appropriately safeguard this information.Benefit coordination. The plan may disclose health information to the extent authorized by and to the extent necessary to comply with plan benefit coordination.Workers compensation. The plan may disclose health information to the extent authorized by and to the extent necessary to comply with laws relating to workers compensation or other similar programs established by law.Law enforcement. The plan may disclose health information for law enforcement purposes as required by law or in response to a valid subpoena.Sale of business. If the plan sponsor’s business is being sold, then medical information may be disclosed. The plan reserves the right to change its practices and to make the new provisions effective for all protected health information it maintains. Should the company’s information practices change, it will mail a revised notice to the address supplied by each employee.The plan will not use or disclose employee’s health information without their authorization, except as described in this notice.In Summary:As an employee, you should be aware of your rights and feel confident that your employer is abiding by the guidelines of the Privacy Rule.As an employer offering group insurance health care benefits, you should make your employees aware of their rights and should give them an avenue to obtain more information or to report a problem.When you get your health insurance coverage through a broker that specializes in employee benefits, they should provide you with all of the necessary information and Privacy Notice to make sure you comply with the HIPAA guidelines. </p>]]></content:encoded> <wfw:commentRss>https://gonobosms.info/group-insurance-health-care-and-the-hipaa-privacy-rule/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Why CPA Accountant Marketing Programs Fail</title> <link>https://gonobosms.info/why-cpa-accountant-marketing-programs-fail/</link> <comments>https://gonobosms.info/why-cpa-accountant-marketing-programs-fail/#comments</comments> <pubDate>Tue, 21 Mar 2023 15:17:48 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gonobosms.info/?p=38</guid> <description><![CDATA[After developing five accounting firms from 1984 to 1994, I spent the next fifteen years assisting over 2,000 accountants develop and improve their accounting firms as a Practice Development Consultant. This experience showed that many accountants had implemented many marketing … <a href="https://gonobosms.info/why-cpa-accountant-marketing-programs-fail/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> After developing five accounting firms from 1984 to 1994, I spent the next fifteen years assisting over 2,000 accountants develop and improve their accounting firms as a Practice Development Consultant. This experience showed that many accountants had implemented many marketing programs that fail.The primary reason most accounting marketing programs fail is because the accountant attempts to treat his or her services as a commodity. Unfortunately, this often leads to very low response and low quality of clientele. There are volumes of accountants who have tried very expensive marketing programs offered by many companies lured by difficult-to-enforce guarantees experiencing disastrous financial consequences. The majority of these marketing failures centralize on the programs using commodity-marketing techniques.The accounting industry is not commodity driven; it is driven by trust and loyalty. Trust has to be established. It cannot be sold. Accordingly, if an accountant attempts to sell his or her accounting services as a commodity or product, he or she will fail.The first step for an accounting services marketing program should be to identify a business that is seeking the services of a CPA or Accountant. If a business is pleased with its current CPA or accountant and is not seeking the services of a new CPA or Accountant, that business is not going to change accountants. Any attempt of an accountant using a marketing program to sever that relationship by aggressive selling techniques will only diminish the business’s perception of the accountant and his or her firm. The wise accountant will never pull a businessperson away from his or her existing accountant if that person is satisfied with the accountant or CPA. Acknowledge the situation as a good one for both the business and the CPA Accountant. Never attempt severing that which is good for the business, neither the CPA Accountant nor the Accounting Industry.Having acknowledged that a CPA Accountant’s marketing program should have the capacity to identify a business seeking the services of a new CPA Accountant, the second step the accountants marketing program should produce is to have the business seeking a new CPA Accountant to become interested in you and your accounting firm. If your marketing program has a business seeking a new CPA Accountant becoming interested in you, the new client meeting will be much like meeting with referred prospective clients. They will be openly interested in you. You won’t feel yourself in the position of having to sell them into using you or your firm. Remember, the accounting industry is based on trust. The key for your success in your marketing program is its ability to provide you the opportunity to establish trust and demonstrate how you can help the prospective client.Once you have a business in need of accounting services interested in you, the third step your accounting services marketing program should perform is showing you how to demonstrate your ability to help your prospective client in your presentation. Too many accounting marketing programs fail because they are predicated on the CPA Accountant performing sales presentations to new prospective clients. Businesses are not interested in being sold accounting services. Businesses are interested in how the CPA Accountant can help them and their business. The CPA Accountant should provide the examples of how they can help and apply those examples to his or her business. It is important he or she understands and sees the value you are providing. Most businesses do not understand the value a CPA accountant provides. If your accountant-marketing program centralizes your presentations about you and your firm, it is the wrong marketing program; the program must centralize your presentation around the prospective client and your ability to help him or her.Finally, the fourth step your accountant’s marketing program should provide you is techniques to price your services in relationship to the value you demonstrated in your presentation. Your objective is not to discount your firm’s services to entice a new client to come on board, but to price your service as a good value in relationship to the value you are providing. For example, if a prospective client could choose to spend $1,000 to have a CPA or Accountant prepare his or her business tax return, he or she or may not choose to do so. However, if that same CPA or accountant showed the prospective client tax-saving strategies that will save him or her save $5,000 per year in taxes, the client will definitely choose to have that CPA Accountant prepare his or her taxes for $1,000. He or she will perceive using that CPA or Accountant of great value. Observe in the example, the primary factor of why the prospective client decided to come on board was not the absolute cost of the service but the value received in relationship to that cost.In summary, there are four steps an accountant’s marketing program should employ. It should:1) identify a business seeking a new CPA or Accountant,2) generate an interest in that business in using you or your firm,3) show you how to demonstrate value in your new client presentation, and4) price your firm’s services in relationship to your value.If your accountant’s marketing program fails to employ any of the four basic steps or attempts to market accounting services as a commodity, it is recommended that you abandon the implementation of that program. You will avoid frustration and possible financial disasters. Remember, the key to a successful CPA Accountant’s marketing program is never sales oriented. It is placing you and your firm in contact with a business that has a need and is interested in you or your firm fulfilling that need. </p>]]></content:encoded> <wfw:commentRss>https://gonobosms.info/why-cpa-accountant-marketing-programs-fail/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Cool Benefits Why Hiring Custom Home Builder Is Best Fit Source</title> <link>https://gonobosms.info/cool-benefits-why-hiring-custom-home-builder-is-best-fit-source/</link> <comments>https://gonobosms.info/cool-benefits-why-hiring-custom-home-builder-is-best-fit-source/#comments</comments> <pubDate>Tue, 21 Mar 2023 13:16:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gonobosms.info/?p=36</guid> <description><![CDATA[Are you planning to schedule a building in the upcoming months? building requires pre-planning of everything to carry the project smooth and hassle-free. Obviously, who doesn’t love to have a unique and best custom home? Make sure you invest in … <a href="https://gonobosms.info/cool-benefits-why-hiring-custom-home-builder-is-best-fit-source/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Are you planning to schedule a building in the upcoming months? building requires pre-planning of everything to carry the project smooth and hassle-free. Obviously, who doesn’t love to have a unique and best custom home? Make sure you invest in the right Custom Builder Canberra company to make your home building worthy and durable. Buying a readymade home is the common thing that every single person does nowadays but building the dream home from scratch is an art and a custom home building project gives stunning results. A unique home attracts the best buyer for your home if you wish to sell the house in the future. The returns a great resale value as compared to normal homes.Keep Reading The Blog To Know The Cool Benefits Of Hiring A Custom Builder!<br />1) Creating stunning home designsThe reputed home builder will always come with a portfolio and other custom designs that will help you to pick the best designs for your home building project. Some homeowners might not have an idea from where to start the custom home building project but with the experienced, it will be easy to choose the design that fits best similar to your dream home. Also, it offers the opportunities to modify the plan flexibly according to the project changes.2) No compromise with the home buildingWith the right company, you don’t have to compromise on anything. You can easily edit and modify the plan and designs with the ongoing project. So, with a custom home builder, you will have the complete right and freedom to change the designs and other features anytime. So, it reduces a lot of stress and other things because custom builder mainly handles everything related to a project and doesn’t process further without your permission.3) Cost-effective serviceCustom home building is cheaper as compared to paying the price for the readymade house. In custom building, you only pay for the service you use. It depends on individual choice because some people just want to have a classy home without any luxurious designs and facilities. So, with custom home building, you can plan your construction project however you want. You can get a separate estimate of the total price of the home building project.4) Offers flexible financing optionsBy hiring custom home builders, you can have flexible payment options and as a buyer, you can easily negotiate the price with a comfortable mortgage rate. Many custom home builders offer season offers and cash incentives to attract buyers and go for home construction. It might have a larger down payment but you can easily maintain to negotiate the best reliable price according to your home building project.Winding-up: Above are just some benefits of hiring a custom home builder, according to the seasonal offer and the company you hire, you can still have the benefit of various other things. Choose the Custom Builder Canberra that understands your requirement clearly and make the dream home project come true. </p>]]></content:encoded> <wfw:commentRss>https://gonobosms.info/cool-benefits-why-hiring-custom-home-builder-is-best-fit-source/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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