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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>greeftsms.info</title> <atom:link href="http://greeftsms.info/feed" rel="self" type="application/rss+xml" /> <link>https://greeftsms.info</link> <description>Just another WordPress site</description> <lastBuildDate>Wed, 13 Mar 2024 22:29:06 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>What’s So Special About Online Auto Loan Providers?</title> <link>https://greeftsms.info/46</link> <comments>https://greeftsms.info/46#comments</comments> <pubDate>Tue, 28 Mar 2023 15:57:14 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Online Auto Loans]]></category> <guid isPermaLink="false">http://greeftsms.info/?p=46</guid> <description><![CDATA[Buying a brand new vehicle can prove to be a horrendous experience. More so, if you are a novice and treading in an unknown territory. Even visiting a dealership without any preparation might land you in trouble. You may find the bargaining stressful, and there are also car dealers to take undue advantage of your [...]]]></description> <content:encoded><![CDATA[<p> Buying a brand new vehicle can prove to be a horrendous experience. More so, if you are a novice and treading in an unknown territory. Even visiting a dealership without any preparation might land you in trouble. You may find the bargaining stressful, and there are also car dealers to take undue advantage of your ignorance. This is the reason you must get an online auto loan pre-approved before sauntering into a showroom. This is the smart way to defend yourself against dishonest dealers. I am not saying that all vehicle sellers are alike, but there are some unscrupulous people in the automotive industry to mislead you. In this article, we are going to learn about the multiple benefits of online car loans.Save More Cash!Lending companies on the internet offer favorable interest rates and flexible options to make the vehicle purchase process easy. This way, you are able to save more cash by opting for affordable rates of interest. Borrowers with no or poor credit rating can opt for facilities like bad credit car loan. No matter what your credit history is, you will get the amount sanctioned, and once your application is approved, the money will get credited to your account. The automobile industry being extremely competitive, these lenders are attracting clients with favorable prices, offers, and rates.Internet lenders are able to offer favorable rates because they have low administrative and operational expenditures. They are not required to rent a large building or pay high salaries to a lot of staffs. This is advantageous for you because you get affordable rates that help you save more.Time SavingGetting approved online is quick and easy. Most important fact is that it will save a lot of your time. How? Well, think of the experience of knocking the doors of traditional financial institutions and lenders. The long queues, waiting time, lengthy paperwork, and the time required to get the sum finally sanctioned! And, then there is no surety that your application will be considered. There are great possibilities of getting rejected. The result is that you end up wasting time without getting the amount sanctioned. This is not the case with online providers. When you choose a loan provider on the internet, all you need to do is fill up a simple form. Once that is done, you will be contacted with the most suitable auto financing options.Better NegotiationWhen you have a pre-approved auto loan, you already have an idea about your finances and the kind of car you can afford. This puts you in a favorable situation as you are able to manage the negotiation or bargaining process efficiently. Once you are pre-approved, it’s you who decide because you only need the vehicle from the dealer, and not anything else. On the other hand, if you walk into a dealership directly, you might be tricked into opting for a monthly payment. And, amount you are made to pay on a monthly basis is enough to create a dent in your wallet! This is the reason pre-sanctioned online loans are best to protect you from being ripped off financially.What are your views on this subject? Please comment. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://greeftsms.info/46/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Online Auto Loans – The Benefits Add Up</title> <link>https://greeftsms.info/44</link> <comments>https://greeftsms.info/44#comments</comments> <pubDate>Tue, 28 Mar 2023 13:45:40 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Auto Loans]]></category> <guid isPermaLink="false">http://greeftsms.info/?p=44</guid> <description><![CDATA[Laying out a large sum of money to purchase a car outright can place a huge burden on your checking or savings account. An online auto loan will offer you the benefit of acquiring a vehicle with monthly car payments you can probably manage. Auto loans also assist in building your credit rating, provided that [...]]]></description> <content:encoded><![CDATA[<p> Laying out a large sum of money to purchase a car outright can place a huge burden on your checking or savings account. An online auto loan will offer you the benefit of acquiring a vehicle with monthly car payments you can probably manage. Auto loans also assist in building your credit rating, provided that you make the payments on time, and offer you the opportunity to purchase a better vehicle that may have been too expensive for you if you were to pay cash. The online auto loan process is quite simple and takes just a few clicks of the mouse to complete. Here is a breakdown of some of the advantages to an online auto loan.Advantages Compared to Leasing<br />With an online auto loan, each monthly payment you make goes toward eventually owning the vehicle yourself. When the loan is paid off, you own a piece of property. In a lease agreement, you rent a car for a specific time. Auto loans do not limit the length of miles you may drive the car before incurring costly over-mileage charges, as is the circumstance with a lease. Another consideration is auto insurance. If you finance through a loan, the length an insurance business will pay for damage depends on the market value of the vehicle.Refinancing Benefits<br />The majority of lenders will be happy to loan you enough funds to pay off your old loan at any time, leaving you with smaller monthly payments. Refinancing can save you hundreds of dollars of interest if the finance terms are dropped. It is not only lower interest that lowers those payments but an extended term will also help. If you could handle your original loan payment, refinancing at a smaller interest rate gives you the opportunity to complete an application the extra money toward paying off the auto loan quicker. Unlike home refinancing, which requires a determination of property value, auto refinancing is dependent only on the period of cash needed to pay off the previous loan.Early Payoff Advantages<br />Auto loans that do not charge penalties for early payoff provide you the flexibility of ending the credit score agreement ahead of schedule, thus saving you funds on finance charges. An early payoff will guide repair your credit score score, making it easier to secure loans in the future. Completing auto loan financing payments ahead of time will free up funds to pay for other priorities in your budget. Another advantage is to pay off an vehicle loan with funds from another type of loan that has tax-deductible interest charges, such as a home equity line of credit score. An auto finance company requires you to carry a certain length of insurance coverage for the length of the agreement. You may reduce the insurance coverage by paying off the loan early and adjusting the policy to more affordable rates.Find more useful information about on-line auto loans and the many advantages of them on the internet at OpenRoad Lending. You could conclude useful information about negotiating with the dealer and useful calculators. </p>]]></content:encoded> <wfw:commentRss>https://greeftsms.info/44/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Do You Know How to Be an Engaging and Highly Effective Educator?</title> <link>https://greeftsms.info/42</link> <comments>https://greeftsms.info/42#comments</comments> <pubDate>Tue, 21 Mar 2023 17:22:49 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://greeftsms.info/?p=42</guid> <description><![CDATA[Anyone can teach. We teach each other every day. For example, we give instructions to each other for such things as cooking, putting together furniture, and completing household other tasks. However, teaching someone is different than the process of educating someone. Consider the difference between informal learning and formal learning. An example of informal learning [...]]]></description> <content:encoded><![CDATA[<p> Anyone can teach. We teach each other every day. For example, we give instructions to each other for such things as cooking, putting together furniture, and completing household other tasks. However, teaching someone is different than the process of educating someone. Consider the difference between informal learning and formal learning. An example of informal learning would be following a recipe to learn how to cook. In contrast, formal learning occurs within a classroom and usually is accompanied by evaluation and assessment. It may seem that teaching and educating are the same thing; however, the difference has to do with the place or context for learning.This is the same distinction can be made for teaching informally (giving instructions) and teaching students in a formal classroom environment. A person enters the field of education as a profession – either full time in traditional academic institutions or as an adjunct (or part time) instructor. The reasons vary for why someone would choose to be in the classroom. A traditional full time professor may likely be responsible for conducting research, teaching, and publishing scholarly work. An adjunct instructor may teach in a community college, traditional college, or an online school. When someone teaches students in higher education he or she may be called a facilitator, instructor, or professor. This is important as there isn’t a job with the word educator in the title.The questions I would like to answer include: What then does it mean to be an educator? Does it signify something different than the assigned job title? What I have learned through my work in higher education is that becoming an educator is not an automatic process. Everyone who is teaching adult students is not functioning as an engaging and highly effective educator. However, it is possible to learn how to educate rather than teach and that requires making a commitment to the profession.What Does It Mean to Teach?Consider teaching as part of the system of traditional, primary education. Those classes are teacher-led and children as students are taught what and how to learn. The teacher is considered to be the expert and directs the learning process. A teacher is someone who is highly trained and works to engage the minds of his or her students. This style of teacher-led instructional continues into higher education, specifically traditional college classrooms. The teacher still stands at the front and center of the class delivering information, and students are used to this format because of their experience in primary education. The instructor disseminates knowledge through a lecture and students study to pass the required examinations or complete other required learning activities.Within higher education, teachers may be called instructors and they are hired as subject matter experts with advanced content knowledge. The job requirements usually include holding a specific number of degree hours in the subject being taught. Teachers may also be called professors in traditional college classes, and those positions require a terminal degree with additional research requirements. For all of these roles, teaching is meant to signify someone who is guiding the learning process by directing, telling, and instructing students. The instructor or professor is in charge, and the students must comply and follow as directed. Here is something to consider: If that is the essence of teaching, is there a difference between that and educating students? Is the role of a teacher the same as that of an educator?What Does It Mean to be an Educator?Consider some basic definitions to begin with as a means of understanding the role of an educator. The word “education” refers to giving instruction; “educator” refers to the person who provides instruction and is someone who is skilled in teaching; and teaching is aligned with providing explanations. I have expanded upon these definitions so that the word “educator” includes someone who is skilled with instruction, possesses highly developed academic skills, and holds both subject matter knowledge and knowledge of adult education principles.Skilled with Instruction: An educator is someone who should be skilled in the art of classroom instruction, knowing what instructional strategies are effective and the areas of facilitation that need further development. An experienced educator develops methods that will bring course materials to life by adding relevant context and prompting students to learn through class discussions and other learning activities. Instruction also includes all of the interactions held with students, including all forms of communication, as every interaction provides an opportunity for teaching.Highly Developed Academic Skills: An educator must also have strong academic skills and at the top of that list are writing skills. This requires strong attention to detail on the part of the educator and in all forms of messages communicated, including anything written, presented, and sent via email. The ability to demonstrate strong academic skills is especially important for anyone who is teaching online classes as words represent the instructor.The use of proper formatting guidelines, according to the style prescribed by the school, is also included in the list of critical academic skills. For example, many schools have implemented APA formatting guidelines as the standard for formatting papers and working with sources. An educator cannot adequately guide students and provide meaningful feedback if the writing style has not been mastered.Strong Knowledge Base: An educator needs to develop a knowledge base that contains subject matter expertise, as related to the course or courses they are teaching, along with knowledge of adult education principles. I know of many educators who have the required credit hours on their degree transcripts, yet they may not have extensive experience in the field they teach. This will still allow these educators to teach the course, provided that they take time to read the course textbook and find methods of applying it to current practices within the field.Many schools hire adjuncts with extensive work experience as the primary criteria, rather than knowledge of adult learning principles. Those instructors I have worked with who do have a strong adult education knowledge base generally acquired it through ongoing professional development. That was my goal, when I decided on a major for my doctoral degree, to understand how adults learn so that I could transform from an instructor to an educator.Becoming an Engaging and Highly Effective EducatorI do not believe that many instructors intentionally consider the need to make a transformation from working as an instructor to functioning as an educator. When someone is hired to teach a class, someone other than a traditional college professor, they often learn through practice and time what works well in the classroom. There will likely be classroom audits and recommendations made for ongoing professional development. Gradually the typical instructor will become an educator as they seek out resources to help improve their teaching practices. However, I have worked with many adjunct online instructors who rely on their subject matter expertise alone and do not believe there is a reason to grow as an educator. For anyone who would like to make the transformation and become an engaging and highly effective educator, there are steps that can be taken and practices that can be implemented.Step One: Continue to Develop Your Instructional PracticeWhile any educator can learn through time on the job, it is possible to become intentional about this growth. There are numerous online resources, publications, workshops, webinars, and professional groups that would allow you to learn new methods, strategies, and practices. There are also social media websites such as LinkedIn and Twitter that allow for the exchange of ideas and resources within a global community of educators.You can also utilize self-reflection as a means of gauging your effectiveness. I have found that the best time to review my instructional practice occurs immediately after a class concludes. That is a time when I can assess the strategies I have used and determine if those methods were effective. Even reviewing end of course student surveys may provide insight into the perspective of my students.Step Two: Continue to Develop Your Academic SkillsI know from my work with online faculty development that this is an area of development that many educators could use. However, it is often viewed as a low priority – until it is noted in classroom audits. If an educator has weak academic writing skills, it will interfere with their ability to provide comprehensive feedback for students. For online instructors, that has an even greater impact when posted messages contain errors with spelling, grammar, and formatting. The development of academic skills can be done through the use of online resources or workshops. Many online schools I have worked for offer faculty workshops and this is a valuable self-development resource.Step Three: Continue to Develop Your Subject Matter ExpertiseEvery educator has subject matter expertise that they can draw upon. However, the challenge is keeping that knowledge current as you continue to teach for several years. The best advice I can offer is to find resources that allow you to read and learn about current thinking, research, and best practices in your chosen field. This is essential to your instructional practice as students can ascertain whether you appear to be current in your knowledge, or outdated and seemingly out of touch. Even the use of required textbooks does not ensure that you are utilizing the most current information as knowledge evolves quickly in many fields.Step Four: Continue to Develop Your Knowledge of Adult LearningThe last step or strategy that I can recommend is to gain knowledge about adult learning theories, principles, and practices. If you are not familiar with the basics there are concepts you can research and include critical thinking, andragogy, self-directed learning, transformational learning, learning styles, motivation, and cognition. My suggestion is to find and read online sources related to higher education and then find a subject that interests you to research further. I have found that the more I read about topics I enjoy, the more I am cultivating my interest in ongoing professional development. What you will likely find is that what you learn will have a positive influence on your work as an educator and will enhance all areas of your instructional practice.Working as an educator, or someone who is highly engaged in the process of helping students learn, starts with a commitment to make this a career rather than a job. I have developed a vision related to how I want to be involved in each class I teach and I recommend the same strategy for you. You may find it useful to develop teaching goals for your career and link your classroom performance to those goals. For example, do you want to complete the required facilitation tasks or would you rather put in the additional time necessary to create nurturing class conditions?After developing a vision and teaching goals, you can create a professional development plan to prompt your learning and growth in all of the areas I have addressed above. While this strategy may require an investment of time, it is helpful to remember that we always make time for whatever we believe is most important. Being an educator is not sustaining a focus on job functions, rather it is cultivating a love of what you do and learning how to excel for the benefit of your students. Becoming an engaging and highly effective educator occurs when you decide that teaching students is only part of the learning process, and you work to transform who you are and how you function, while working and interacting with your students. </p>]]></content:encoded> <wfw:commentRss>https://greeftsms.info/42/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Six Reasons Why Preventive Health Checkups Should Not Be Ignored</title> <link>https://greeftsms.info/40</link> <comments>https://greeftsms.info/40#comments</comments> <pubDate>Tue, 21 Mar 2023 16:40:54 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://greeftsms.info/?p=40</guid> <description><![CDATA[Did you know that healthcare expenses in India account for 4.1% of national GDP? In addition, private spending on healthcare (which means costs that the government will not bear) increases up to 70.8% of all country’s health expenditure, according to The Guardian. The alternative then for the common people is quite simple – investing in [...]]]></description> <content:encoded><![CDATA[<p> Did you know that healthcare expenses in India account for 4.1% of national GDP? In addition, private spending on healthcare (which means costs that the government will not bear) increases up to 70.8% of all country’s health expenditure, according to The Guardian. The alternative then for the common people is quite simple – investing in a small amount of preventive health checkups (which could be totally covered by your insurance) than shelling out large amounts during health crises.A preventive health checkup can help you in many ways. Not only you save yourself from the trouble of having to suffer through the symptoms of the disease, but it also saves money that you would otherwise be spending on hospital expenses. Continue reading to know why a preventive health checkup is worth the effort.Why Preventive Health Checkups?Most health experts agree that the best way to watch out for your health is annual health checkups. Here are some reasons to support the fact why this is important:Even your car is also serviced twice in a year. No one asks why time, effort, and money are spent on ensuring that their car is being serviced with all the necessary checks, on a regular basis. Our body also needs to be serviced regularly and checked for better functioning. Do you value your health as much as you do that of your vehicle?You are living a sedentary lifestyle. The reality is that today people are so hooked up to the digital gadgets & computers that even when you aren’t at work, you are surfing the web and basically spending both your leisure time and working hours sitting in front of some type of screen. Then there are those who drink, smoke and tremble at the very thought of daily exercise.Even healthy people can get sick. While we are young we feel invincible. But as we age, it all begins with random aches, pains and progresses to cholesterol increase, high blood pressure, diabetes and heart attack, to list the very few serious disorders. If we soon started caring about our health, most diseases can be prevented before they could even occur.Early diagnosis could lead to a cure. There are many diseases and illnesses that have a better prognosis when diagnosed early. This is particularly true for chronic and terminal illnesses, such as diabetes, cancer, and heart attack. Regular preventive health checkups help you find the best treatment alternatives as soon as possible, but also give you better chances of quickly recovering back to health.Family history tells more about your future health. Family history means you have more chances to end up suffering from a disease like your immediate family. For example, if your father has a history of heart problems or your grandmother has a high blood sugar level, you are likely to experience the same conditions sooner or later.You Get tax benefits. You also get tax benefits for such health checkups in accordance with Section 80-D of the Income Tax Act. In addition to all other benefits, you may get tax deductions up to 5,000 Rs for health checkups for you and your immediate family.Needless to say, today life is chaotic and stressful, which increases the likelihood of lifestyle disturbances.Despite the necessary care we take for our better health, uncertainties increase with our age, lifestyle and not to mention the habit to take our health for granted. Regular preventive health checkups can set a guideline for our health and help us keep tabs on how time progresses. For those who have major diseases running in their family, health checkups become crucial to have control or to slow down the progression of the disease and prepare a holistic approach to ensure healthy future ahead. </p>]]></content:encoded> <wfw:commentRss>https://greeftsms.info/40/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Setting Up Quickbooks – Entering Accounts Part One</title> <link>https://greeftsms.info/38</link> <comments>https://greeftsms.info/38#comments</comments> <pubDate>Tue, 21 Mar 2023 15:26:55 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://greeftsms.info/?p=38</guid> <description><![CDATA[IntroductionAdding accounts to Quickbooks is very easy, the warning here is that it is so easy that making a mistake either in placement of the account or the identification of where to put it may be a little deceiving. It is always advisable that you consult a professional to help you as once you add [...]]]></description> <content:encoded><![CDATA[<p> IntroductionAdding accounts to Quickbooks is very easy, the warning here is that it is so easy that making a mistake either in placement of the account or the identification of where to put it may be a little deceiving. It is always advisable that you consult a professional to help you as once you add these accounts and begin using them, it can be a long procedure to correct mistakes. And because each business is unique in it’s accounts, it may take a little creative maneuvering to best fit your type of business. Having said that, let’s look at your different options in adding accounts.I. Income AccountsThere may be several ways that your business receives income. (this is where the help of a ProAdvisor comes in) For example if you are a service industry business, let’s use a lawn care company as an example. The overall easy way to handle this is to enter ALL income into one account. However, this doesn’t help you as a business owner decide which of your services is more profitable than another. You may not care about that, but it only takes another few minutes of effort to get it right, so let’s make sure we do so. Create an account for income for lawn maintenance, another for landscape design and yet another for pest control or another similar service. Create a parent account named Lawn Services and a sub account for each of the areas you earn income in. Upon entering these sub-accounts you will see a box labeled sub-account of, check that box and type Lawn Services. The description, note and tax-line mapping boxes are optional, for the best results however, at least utilize the tax-line mapping and an income account will more than likely fit the first category listed which is Income: Gross Sales or Services. Consult your tax professional for more help with this area.II. Expense AccountsThe expense window looks identical to the income in every way. I highly recommend a wise use of sub-accounts in the expense accounts area as well. For example, grouping your electrical, water and phone bills under utilities is what a lot of businesses do, however, what happens when you add a cell phone?I would create a parent account for utilities and sub-accounts for power, water, phone, and other utilities. I would also suggest doing the same with advertising expenses, having one parent account for advertising and sub-accounts for signs, yellow pages ads, internet ads, and more so you can keep more careful track of your cash flow.When you get to payroll expenses, you are definitely going to need to use sub-accounts appropriately and create sub-accounts for FICA payable – Company, Social Security Payable – Company, Worker’s Comp, etc. If you do not use Intuit’s Payroll services, that’s okay, but it increases the risk of mistakes in transmission of information from the payroll companies’ to the Quickbooks files.III. Fixed AssetsThere is a step by step procedure in entering fixed assets into Quickbooks and a detailed explanation of how to categorize your fixed assets. Fixed Assets include buildings, land, Machinery, vehicles and Accumulated Depreciation. The only difference in the Fixed Assets window is that the Tax-Line Mapping is automatically entered for you.IV. Bank AccountsIn Quickbooks a Bank Account isn’t always necessarily an actual bank account. When entering a regular bank account whether it’s checking or savings, Quickbooks will ask for the opening balance as of a certain date. (If this is a new account, the opening balance isn’t necessary, it will be $0.00) For a more accurate picture of your business’ financial situation, and to ensure an accurate reconciliation of your bank account, enter the opening balance, which will be the ending balance of the previous month. If this account was used for any business transactions prior to the date you install Quickbooks, it would be a good idea to have a Professional help you enter these transactions accurately.When is a bank account NOT a bank account? If your business is using petty cash system, (to make change for customers, etc) it is best to set up Petty Cash as a separate bank account so that you can transfer funds from Petty Cash to Undeposited Funds when necessary.What if you have a customer with whom you have an agreement to trade your services/products with theirs? In this case, you can create a bank account called Trade or Barter and deposit the value of your products/services to offset those of your customers. Neither one are actually bank accounts, but they make it easy to keep track of those ‘creative’ transactions.V. LoanA Loan account keeps track of the amount you owe on loans from those who you owe money to. This is NOT a long term liability account, this is money lent to the business by others and which you intend on paying back within the year. You have use of the funds, which is an asset, and you owe the loaner, which is a liability. If you need to enter a loan for a vehicle, building, etc, it needs to be in the Long Term Liability accounts.VI. Credit Card AccountsYou must add a credit card to your account list to gain access to the Enter Credit Card Charges feature on the Quickbooks home menu. Credit Cards can be used to pay for expenses, items or bills. When using Credit Cards to pay bills, one common mistake business owners make is not choosing the correct account to pay the bill out of. If you are using more than one Credit Card, take it slow and make sure that your payments and credits to the account are appropriately applied or reconciliations will be a nightmare and a half.You are given the option of being able to enter the account number, expiration date and more as you are entering the card for the first time. As long as you don’t have a situation where innumerable people have access to your Quickbooks files, it is perfectly safe to enter this information, if you do have that situation, consider hiring someone else or restricting access to others on your Quickbooks network.VII. Equity AccountsAn equity account includes owner’s draw, owner’s contributions, etc (these categories change names but not function, depending on the legal formation of the company). This is the money the business owner invests in order to begin the company and the subsequent money they have to draw from in order to keep the company running. The retained earnings account is an equity account that is added by Quickbooks at year end when the revenue and expenses are calculated. The description that is given this account by Quickbooks is “undistributed earnings of the company”. In the case of a company just beginning to use Quickbooks, the account can be created manually for previous years balances in another accounting software system by creating the account manually and entering in the opening balance from the previous year.The rest of the accounts are going to be examined in a separate article where we will discuss common mistakes made in entering these accounts and the occasional symbiotic relationship these accounts have with one another. </p>]]></content:encoded> <wfw:commentRss>https://greeftsms.info/38/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Managing Home Sales in India in 2018</title> <link>https://greeftsms.info/35</link> <comments>https://greeftsms.info/35#comments</comments> <pubDate>Tue, 21 Mar 2023 13:26:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://greeftsms.info/?p=35</guid> <description><![CDATA[The year 2017 was considered as watershed year for real estate industry in India. After the trilogy of Demonetization, GST and RERA, the sector was reeling in despair. However, the indomitable spirit of Indian real estate developers didn’t fade a zilch. They rose to the occasion and started to repackage the product, the price and [...]]]></description> <content:encoded><![CDATA[<p> The year 2017 was considered as watershed year for real estate industry in India. After the trilogy of Demonetization, GST and RERA, the sector was reeling in despair. However, the indomitable spirit of Indian real estate developers didn’t fade a zilch. They rose to the occasion and started to repackage the product, the price and the promotion of their unsold home inventory. From a sales and marketing stand point, they tried to push the envelope to appease the discerning customer. Some of the initiatives which caught attention were in the form of upselling the product, adding the service element to the product, dove tailing technology with homes, bundle up offers with home finance. The home developers also tried superlative adjectives, spiced things up with bollywood and sports celebrities endorsing various residential projects. Projects got rebranded by international brands and innovative launches were executed in line with global best practices. Many developers even completed micro level infrastructure abutting their projects and took over the government’s role of providing external and internal work. The Government continued to follow a lackadaisical approach to urban planning and infrastructure which hurt the customer sentiment further. Many a times, a home buyer got homes but without a motor able road leading to her home. While all of this was going on, Government also tried to get their act together, albeit, at snail’s pace. The Central Government announced RERA (Real Estate Regulation Act) and the states started its implementation in third quarter of 2017. It pushed developers to fast track completion of projects and a certain deadline date was announced. Many residential projects got completed in this rush of deadline, however the sales velocity didn’t match up the speed of completion of these projects. Eventually, RERA implementation failed miserably in most of the states and could not fulfil its objective to provide transparency to the home buyer. It rather deteriorated home buyer’s confidence and hope in Indian real estate. The home buyer, therefore further delayed decisions to purchase homes and felt comfortable being a “fence sitter”. Due to this conundrum, working capital issues reached to unsustainable level with most of the home developers. Many a times, the monthly sales were still not even matching to meet /clear even the lenders liability. The government came up with certain impetus to announce the affordable housing policy and hoped that this might turn the tables for the customer and for the developers. The intent was to ensure faster delivery at a good price to the customer and in turn achieve good working capital for the developer. Many developers diversified into this space and many new entrants also emerged in this space, including some corporates. However, the product suffered immensely as these new affordable homes were too small and were in far flung areas. Therefore, the affordable home policy could not sustain interest of the buyer, after initial euphoria.<br />So, after all the hoopla of innovative marketing, government compliances and regulations for last couple of years, the sales further nosedived. The inflation in construction cost created the double whammy for the industry. The construction costs took an upward trajectory, thanks to inflation in cement and steel prices. The regulator also continued with its risk weightage on real estate. Therefore, the financing cost of real estate projects especially in residential side continued to be in the range bound of 15%-24% per annum. With increasing construction costs, depleting sales, increasing lending cost, the home developer was pushed to the limit.<br />While all this happened, the old age mantra of “reduce prices and sell more” took a rebirth. The residential home prices which were chasing Manhattan prices started their journey back home. The home developers who followed this mantra created huge success, broke record of sales while others continued to sweat. Sales velocity became the buzz word and everything else took a back seat. Some of the home developers started to understand the sales velocity equation in a more pragmatic way. Rather than increasing the pipeline and increase the sales activity, the focus changed to win rate and reduction in sales cycle. Once the focus changed from increasing the sales activity to increasing the win rate, the sales velocity started to increase at good pace. Among the various associations of real estate developers, such sale successes were initially ridiculed as “black swan events” and such developers were termed as “outliers”, in a negative way. There were corridor talks that such developers are killing the industry. The lenders however, welcomed this step and are now gearing up to back up these developers more in such trying times. A sense of appreciation is now being seen among many quarters for these developers and the corridor talk died its natural death. It is expected that many other developers in last quarter of 2018, will follow suit and focus on reducing sales cycle and thereby increasing sales velocity. After all, nothing succeeds like success.<br />This article is written to appreciate such entrepreneurs in the real estate space who took the call to correct their pricing to achieve higher sales velocity. This article is an attempt to also encourage others to follow suit. Let there be a sustainability in prices for the home buyer. It is an important way to achieve reasonable growth in real estate business in India. Once that’s achieved, the economics will start to favour home developer again and there will be Happier Sundays!As they say, a fish always rise after striking its head at the bottom of the sea. Its time therefore to rise up and act aptly as per the changing landscape.Disclaimer: The views presented in the article are personal views of the writer and not of any organisation/company. For any queries/comments/feedback, please write at rajakaushal@gmail.com </p>]]></content:encoded> <wfw:commentRss>https://greeftsms.info/35/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Importance of the Entertainment at Corporate Events</title> <link>https://greeftsms.info/33</link> <comments>https://greeftsms.info/33#comments</comments> <pubDate>Sun, 26 Feb 2023 15:49:04 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://greeftsms.info/?p=33</guid> <description><![CDATA[When you are holding a corporate entertainment event, one of the most important things to do is to get entertainment for the event. This may seem pretty obvious considering the fact that entertainment is part of the concept of corporate entertainment. However, many times companies will choose the wrong type of entertainment and the wrong [...]]]></description> <content:encoded><![CDATA[<p> When you are holding a corporate entertainment event, one of the most important things to do is to get entertainment for the event. This may seem pretty obvious considering the fact that entertainment is part of the concept of corporate entertainment. However, many times companies will choose the wrong type of entertainment and the wrong entertainment can cause serious problems with any corporate entertainment event. So, what can you do to ensure that you get the right entertainment?A successful corporate event is one that is not going to be forgotten and that is very important because you want your customers and your employees to remember the event for a long time. This helps to build business, improve productivity and get better morale within the company. There are many different kinds of corporate entertainment acts that you can choose from. Really it depends on what you want for the event and what you think the audience will enjoy. Some of the choices for acts that you have include:· Comedians· Bands· Solo musicians· Actors· Circus Acts· Contortionists· Look-a-likes· MagiciansA good idea is to talk with your employees and do a survey. Ask them what they want to see at the event for entertainment and then use that as a basis for what you are going to choose. When you get entertainment that fits the corporate event you get something that can make the event something to remember for many years to come.As the organizer of the corporate event, you have the task of finding good entertainment and by talking with employees and customers; you will get exactly what you need for the event. Remember, the entertainment should not only be memorable, but fun as well. </p>]]></content:encoded> <wfw:commentRss>https://greeftsms.info/33/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>There is an excessive amount of traffic coming from your Region.</title> <link>https://greeftsms.info/31</link> <comments>https://greeftsms.info/31#comments</comments> <pubDate>Mon, 06 Feb 2023 00:02:02 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[company]]></category> <category><![CDATA[Exchange]]></category> <category><![CDATA[forex]]></category> <category><![CDATA[Investor]]></category> <category><![CDATA[Market]]></category> <category><![CDATA[Traders]]></category> <guid isPermaLink="false">http://greeftsms.info/?p=31</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://greeftsms.info/31/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>There is an excessive amount of traffic coming from your Region.</title> <link>https://greeftsms.info/28</link> <comments>https://greeftsms.info/28#comments</comments> <pubDate>Sun, 05 Feb 2023 06:40:01 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[accounting]]></category> <category><![CDATA[business]]></category> <category><![CDATA[companies]]></category> <category><![CDATA[google]]></category> <category><![CDATA[near me]]></category> <category><![CDATA[offices]]></category> <category><![CDATA[restaurant]]></category> <category><![CDATA[sale]]></category> <category><![CDATA[services]]></category> <guid isPermaLink="false">http://greeftsms.info/?p=28</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://greeftsms.info/28/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Brainstorming The Ideas for Influencing Your Mobile App Audience</title> <link>https://greeftsms.info/26</link> <comments>https://greeftsms.info/26#comments</comments> <pubDate>Sun, 09 Oct 2022 13:48:16 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Accounting & Auditing]]></category> <category><![CDATA[Banking Services]]></category> <category><![CDATA[Credit & Collections]]></category> <category><![CDATA[Finance]]></category> <category><![CDATA[Financial Planning]]></category> <category><![CDATA[Financial Services]]></category> <category><![CDATA[Insurance]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Loans]]></category> <category><![CDATA[Personal Finance]]></category> <guid isPermaLink="false">http://www.greeftsms.info/?p=26</guid> <description><![CDATA[Once the app is downloaded, you have little time to take a sigh of relief, and then again start focusing on making things easier for the them till their goal is achieved. According to the AppsFlyer, an app marketing company, the global uninstall rate for apps after 30 days is 28%. Entertainment apps are most [...]]]></description> <content:encoded><![CDATA[<p>Once the app is downloaded, you have little time to take a sigh of relief, and then again start focusing on making things easier for the them till their goal is achieved.</p><p>According to the AppsFlyer, an app marketing company, the global uninstall rate for apps after 30 days is 28%. Entertainment apps are most frequently deleted, whereas apps based on Finance is least frequently deleted. No matter which app category you belong to, your strategy should be to remain in the mobile phones of users for a long time, and not just sit around but to fulfill your purpose as well.</p><p>If we analyze the encounters of users with an app step by step, it can help us unveil the critical factors that influence mobile app audiences, so that we can work upon those and achieve our purpose. Here are the details:</p><p>Step1. Finding Your App in Appstore</p><p>For this, we have to first find out what exactly users type to search an app. Based on a research, it has been found that 47% app users on iOS confirmed that they found the app through the App Store’s search engine and 53% app users on Android confirmed the same.</p><p>What have been their search queries? Interestingly, as the per the data provided by the TUNE research, 86% of the top 100 keywords were brands.With little scope for non-branded categories, most of the keywords were either of games of utility apps. Common keywords in the non branded category are: games, free games, VPN, calculator, music, photo editor, and weather.</p><p>Leaving brands aside, if we analyze the user-type of a Non-branded category, we will get two types of users:</p><p>1. Users are informed, and they know what they are search</p><p>2. Users are exploring possibilities, have no precise information in mind.</p><p>If you are a mobile app development company, targeting non-branded users, then your efforts must be directed to creating apps that compel these two types of users. To do so, we have to analyze once they are on an app store, what keywords they use to search. Regina Leuwer, with expertise in marketing & communications, bring some light to the subject. She reached out Sebastian Knopp, creator of app store search intelligence tool appkeywords, who shared with her the data of unique trending search phrases. And according to that data, in 2017, there were around 2,455 unique search phrases trending in the US.</p><p>Now, if we study these data to get information, we will find that name of the app is critical to attract the attention of the users.</p><p>If your app belongs to non-branded category, then make sure your app name is similar to the common search queries but also unique in comparison with your competitors. So that when your app name is flashed, they click it on to it, finding it purposeful and compelling both.</p><p>Step 2. Installation</p><p>Remember your users are on mobile devices has limited resources, from battery to storage and RAM to Internet. Everything is limited. So better create an application that is easy to download or say get downloaded with 5 minutes. One critical advice here:</p><p>1. Keep the application file size small.</p><p>If you are a developer, use APK Analyser to find out which part of the application is consuming maximum space. You can also reduce classes.dex file and res folder that contains images, raw files, and XML.</p><p>Step 3. Onboarding</p><p>After the user has successfully downloaded your mobile application, don’t leave anything on assumptions. Guide them properly. This you can do through an onboarding process, where users can learn the key functionality and where to begin with the mobile app. Below are the 3 things you need to keep in your mind when creating an onboarding process for your users.</p><p>Short and Crisp: The entire guidance of features and functions should be completed within few seconds, with easy options loud and clear option to skip.</p><p>Precise Information: Don’t introduce them to the app. They already know what they have downloaded. The objective to inform about the key functions and features.</p><p>Allow Users to Skip: Let the tech-savvy users skip the intro. Your app is to meet their requirement and not to have a friendly session.</p><p>Step 4. Purpose and UI<br />Here, the stage is set for your app and it is the golden chance for you to impress your users. What is needed here is the collaboration between purpose and UI of the app. It totally depends on the problem-solving capability and ease of use of the mobile app. Interface design plays the critical role, allowing the users to access features of the apps easily and quickly to perform the task for what they have downloaded the app. When it comes to interface design, make sure that the design is interactive and task-oriented. Here are some factors that you must take care off while creating mobile app interface:</p><p>1. Usability: The Mobile phone is an epitome of convenience and if your users find it difficult to use your app, then there is no way there are going to make the space for it in their mobile phones. From screen size to the color of the app, there are many factors that are equally critical and need attention.</p><p>2. Intuitive: To create an intuitive User Interface, you have to read the mind of the users, and develop a model based on that. The next should be precise, clear and ‘obvious’ in an interface.</p><p>3. Availability: Key features should be hidden in the drop down menu or even if so, it should be obvious for the user to look into the drop-down. An intricate work of design and research is required to make essential features available for the customers and they don’t need to navigate here and there.</p><p>If you need more help with the user-interface and innovative ideas for a mobile app, write to me webmaster@finoit.com and I promise to get back to you with interesting mobile app designs.</p>]]></content:encoded> <wfw:commentRss>https://greeftsms.info/26/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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