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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>hriusms.info</title> <atom:link href="http://hriusms.info/feed" rel="self" type="application/rss+xml" /> <link>https://hriusms.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 00:22:48 +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>Work From Home in the Home Based Travel Business</title> <link>https://hriusms.info/work-from-home-in-the-home-based-travel-business,html</link> <comments>https://hriusms.info/work-from-home-in-the-home-based-travel-business,html#comments</comments> <pubDate>Fri, 24 Feb 2023 11:49:15 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Adventure Travel]]></category> <category><![CDATA[Airline Travel]]></category> <category><![CDATA[Budget Travel]]></category> <category><![CDATA[Charter Jets]]></category> <category><![CDATA[Travel Planning]]></category> <category><![CDATA[Vacation Homes]]></category> <guid isPermaLink="false">http://hriusms.info/?p=61</guid> <description><![CDATA[There are essentially 3 types of travel home based business opportunities.1. Becoming a licensed travel agent. 2. Marketing and reselling promotional vacation certificates. 3. Marketing travel membership clubs.1. Becoming a travel agent requires licensing. You can book travel under the umbrella of a registered travel business using their travel agency IATAN number. After a certain [...]]]></description> <content:encoded><![CDATA[<p> There are essentially 3 types of travel home based business opportunities.1. Becoming a licensed travel agent.<br />2. Marketing and reselling promotional vacation certificates.<br />3. Marketing travel membership clubs.1. Becoming a travel agent requires licensing. You can book travel under the umbrella of a registered travel business using their travel agency IATAN number. After a certain amount of sales and commissions earned you can apply for your own IATA number. As a travel agent you can book your clients’ travel using travel consolidators and marking up the price to earn a commission. Travel agents are required to be licensed and bonded. Some hotel chains require the travel agent to complete their own travel agents exam online in order to claim travel agent benefits. Becoming a home based travel agent has become a sought after home based business within the travel arena. Not all work at home travel agent businesses are created equal. Some members are unable to utilize travel consolidators and can only use their own replicated travel portal websites to book travel. The commissions here are very low and the main income comes from recruiting other members. Other travel agencies train the members to become fully fledged travel agents, where potentially the commissions on bookings can be much higher.2. Marketing promotional travel certificates has become a popular business. The certificates can be resold to businesses or companies but generally can not be sold to the end user. Promotional items have become part of the marketing arena and create customer loyalty. If the promoter sells the certificate to the end user a license is required in most states and provinces in Canada. Everyone loves a good deal but many certificates have black out dates and require the spouse or partner to travel with the person registering the certificate. Some certificates require a timeshare presentation. As a work from home business, the promotional certificates generally generate smaller commissions.3. Travel membership clubs have been the staple in the home based travel arena for over 14 years. They have progressed from those selling just promotional vacation certificates and discounted last minute travel to becoming full fledged travel agencies. Some even offer concierge customer service, have access to huge databases of resort vacations, cruises, flights, car rentals and more. Some home based travel businesses have the added bonus of earning rebates on travel booked from company portal websites. In order to resell travel, the home based travel company is required to be a licensed reseller of travel and should have their license number visible on their website. These discount travel memberships are popular not only as a way to earn money from home for many thousands of members, but are also popular as a real way to get deeply discounted prices for the savvy and frequent traveler. The commissions on travel memberships can be very high, many companies offering direct sales bonuses of over 50%.Unlike other home based businesses and work from home opportunities, the travel industry offers a product with market recognition. Everyone knows what a vacation is and what a cruise might entail. Travel is a $7Trillion industry and continues to be a growing market with no signs of losing steam. It is also packaged as a fun industry. When asked, a dream vacation is one of the most wanted items atop a wish list. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://hriusms.info/work-from-home-in-the-home-based-travel-business,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Coventry Health Care – The Benefits And Advantages</title> <link>https://hriusms.info/coventry-health-care-the-benefits-and-advantages,html</link> <comments>https://hriusms.info/coventry-health-care-the-benefits-and-advantages,html#comments</comments> <pubDate>Fri, 24 Feb 2023 10:40:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Health Care]]></category> <guid isPermaLink="false">http://hriusms.info/?p=59</guid> <description><![CDATA[Coventry Health Care is a massive company that has proved to be very effective over the years for a number of people seeking health insurance. They manage various insurance companies, PPOs, HMOs and worker compensation companies and can thus offer a hug variety of health care service products that is unrivalled elsewhere. Coventry Health Care [...]]]></description> <content:encoded><![CDATA[<p> Coventry Health Care is a massive company that has proved to be very effective over the years for a number of people seeking health insurance. They manage various insurance companies, PPOs, HMOs and worker compensation companies and can thus offer a hug variety of health care service products that is unrivalled elsewhere. Coventry Health Care does not restrict you as to what type of cover you can have because they cater for individuals, government agencies, small companies, large companies and can thus cater for all of your health care needs.The Benefits Of Coventry Health CareThe first major benefit of searching for Coventry Health Care is that it is so easy to find information on them. All you have to do for a good insight into Coventry Health Care is go to their website. Everything you need to know is on there for you to have a good look at. There is a comprehensive guide to their services and the product they offer as well as a lit of offices that you can call or visit for further information. As they are so accessible you can have complete confidence that you will know exactly what the terms and conditions of the policy that you take out are.When you have a health care policy with Coventry Health Care, you can be sure that you are in safe hands. There is no hassle like that associated with other companies because you only have to phone Coventry Health Care instead of having to phone around several different companies before speaking to the right person if you go with another provider. Owing to customer complaints in the past, Coventry Health Care have made it so that the consumer gets the best deal possible by putting everything under one specific roof for ease of contact and use. You get convenience as well as comprehensive health insurance, and all at a lower cost!Coventry Health Care is a consumer friendly company that re more than willing to help their customers through any medical situation or problem. Regardless of what your wants and needs are, they can really help you because of their sheer range of products and focus on customer confidence. You can simply call them up to discuss your options, and they will then tailor the policy to your needs. Do not be surprised if they ask you question after question because they take pride in knowing that all of their customers are well covered and very satisfied. Check Coventry Health Care out online or call them today for peace of mind! </p>]]></content:encoded> <wfw:commentRss>https://hriusms.info/coventry-health-care-the-benefits-and-advantages,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>US Education Rankings: 9 Strategies For Raising Education Rankings Thru Increasing Education’s Value</title> <link>https://hriusms.info/us-education-rankings-9-strategies-for-raising-education-rankings-thru-increasing-educations-value,html</link> <comments>https://hriusms.info/us-education-rankings-9-strategies-for-raising-education-rankings-thru-increasing-educations-value,html#comments</comments> <pubDate>Fri, 24 Feb 2023 07:51:53 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Education]]></category> <guid isPermaLink="false">http://hriusms.info/?p=57</guid> <description><![CDATA[In researching this article, I noticed stats about economics and education. Yes, we know that the higher the education we have, the more money we make. This doesn’t address the VALUE OF EDUCATION TO THE STUDENT.Education must hold value for students, whether this be getting an education to get a high paying job, ranking first [...]]]></description> <content:encoded><![CDATA[<p> In researching this article, I noticed stats about economics and education. Yes, we know that the higher the education we have, the more money we make. This doesn’t address the VALUE OF EDUCATION TO THE STUDENT.Education must hold value for students, whether this be getting an education to get a high paying job, ranking first in our class, feeling the satisfaction of learning, enlightening ourselves, pleasing our families. Value is personal, and we all invest in what has value on our own terms.When we are young, especially, we need the guidance of our mentors, including educators, family, friends, society and media, any of which can lead us well or not. If we are taught that the most important thing is to spend 15 hours a day studying, we may believe it. If we are taught that education doesn’t matter because the salary per hour of slinging crack depends upon how much time we spend out of school, we still have a good chance of realizing that this is a bad lesson. If we are given a creative array of lessons that will affect how we value education, we have a better shot at building a foundation and understanding the positive nature of education for ourselves than if we are taught rote, unrelated facts.I recall a running debate I had with a friend about responsibility and teaching. Was it the teacher’s job to do whatever it took to impart the lesson to the student who didn’t understand it the first time along with the others, or was it the student’s responsibility to study to the ends of the earth to understand the lesson?I was raised in a progressive, nurturing household where learning was pleasurable, and I never felt fear in asking questions, in not understanding a lesson. I just said I needed help and got it. My opposing friend in this debate was raised by foreign parents. His father (by U.S. standards) oppressed him and brought fear to his heart that shook him should he not be first in the class. In this case, it looks like environment had a lot to do with our various sides.I believe teachers should be willing to morph their methods in such a way that the lesson is understood by each student, also creating an atmosphere where the student loves the knowledge, doesn’t fear failure and blossoms because of it. My opposing friend was sure that any student who could not understand the lesson was not trying hard enough and had on her/his shoulders the responsibility of figuring out the lesson alone. He saw this as the only mark of a true student. He also expected to be physically reprimanded.What I see is that the best learning comes out of cooperative education and out of creative learning environments where the lesson integrates with life lessons, builds social stature and touches upon current trends.Here are nine sample lessons that could fit into the technological and creative pace of our current world.1. Have students make individual videos or one group video showing a segment of history. This leaves the subject matter open and stimulates the imagination. An example of this is to film an ant walking up the building, the falling of a leaf in autumn from tree to ground or some group project that is more involved. If no equipment is available, students can act out the material and record it on paper. Or call a local law firm and ask them to donate or let you borrow a video camera.2. Take students on a photographic field trip. If there is no means for bus transportation, the field trip can be as far as around the building or on the school grounds. The theme can be about measurement, for example, if it is a math lesson. The photos would show the angles of bridges, the slope of a roof, the uprightness of a telephone pole, the angle of twigs in a bird’s nest. The photos would then be exhibited in a photo gallery where each student would get to invite parents or other meaningful adults. Inviting “others” insures there is a support system so that the event is not traumatic for students whose families don’t usually participate or do not exist. The presence of other significant adults, including other teachers, coaches, clergy, social workers, tutors, would allow for each student to be supported and for no one to feel alone. If there are no cameras available, a local camera store might be willing to provide a loan. Or Canon might participate with a loan or a gift to enhance the lives of your students who could pass on the cameras to every class in the school, if necessary.3. Create a social issue in the classroom that requires a judge and a jury, such as trying a thief who stole to feed her/his family. Have students act out the parts of each role. Have students take turns being “innocent” and “guilty,” judge and jury. Then, take a field trip to the courthouse or local magistrate. Arrange to sit in on a session or, structure prohibiting that, have the magistrate talk about justice and our American way.4a. Create a mock central market in the classroom where students buy and sell wares and practice their math skills. Have the money they use in this market be based upon tokens that they have earned through a Good Samaritan program in the classroom. Those who help another during the day get a token. The program develops citizenship, planning and math. Then, take the students out on a field trip and give them each a dollar that you get from petty cash or your pocket. No student money should be used. Only the dollar that you give the student. The mission: see who can bring back the most items for one dollar. Thus, we include budgeting as part of the lesson.4b. Create a mini stock exchange in the classroom. Use large beans to buy and sell shares. Have a professional trader come to explain basic concepts.5. Have each student write a poem that rhymes. Then call a local rock star or rap star to come in and turn the poem into a song that the whole class learns. Yes, the music teacher could lead this activity, but celebrity sells in business and education and invites the juices of creativity to flow in the classroom, instills confidence and will involve community celebrities in the betterment of education.6a. Have a drum circle in the classroom. Call a local drummer to come in and lead. Teach three to five messages from old drum communication. Talk about communication through drumming and have each student drum one message that you have taught during this lesson. Have the others interpret the message.6b. As a follow-up lesson, have a cell phone tech come in and talk about the method of cell tower transmission. Then talk about the differences in social communication between drumming and cell phones.7. Have each student think up an example of how we use math in the world. Exclude being able to go buy something in a store, online or on the phone. Call a local app maker to donate an app that has the class photo and an individual photo with each student’s idea as part of an app that pulls up. Then have the app maker talk about the skills s/he had to acquire to learn app making.8a. Pick a theme including success, education, happiness, for example. Have students create an abstract painting that represents this theme and have them present it. In-school project only, since some parents are not at home to help and some parents do the project for the student. Film the presentations as well as the creative process. Post the art on the classroom website. If there is no classroom website, call a local web person and ask if s/he will donate putting up (online) a page with the students’ presentations.8b. Go to a local museum or research the art at the museum online and find art that represents the particular theme to each individual person.9. Have a regular tea time once a week. This will develop unity of community. Call a local tea specialist to start you off with how to have tea and some of the history of tea. This quiet time will give the class a spirit of camaraderie while developing value for quiet reflection and experiencing its benefits.To summarize, these ideas are samples, for different grades, different social climates. The idea is to give school value to the student, to make the lessons relevant to the life of the student, so that we increase the number of students in school and US educational rankings. How many times do we slack off on a task because it is not pleasing to us? And, yet, we slave away at another task because we like it. I remember working hard for my 6th grade teacher because one of the ways he showed he cared was by letting us get the school piano and wheel it into the classroom on Friday afternoons. Everyone sang; I got to play the piano and sing. This added value to education for everyone.We even discussed the lyrics, which, I learned 12 years later, getting an M.A. in Music Therapy, had extreme importance in molding us. Which brings us to the next point: how do creative modules such as these fit into the present system? That is a discussion for the article titled Education 2.0: 5 Ways To Make Exceptional Lessons Of Yesterday The Educational Normal Of Today, soon to be published.The most exhilarating part of teaching comes when the student receives the knowledge. Most of us in the profession enjoy the creativity it takes to teach, motivate and inspire. This is the skill set that builds value in the student.Singing the education blues won’t work. Looking at charts of where we rank in the world education system can motivate but is not the answer: http://xrl.us/guardian2010educrank. We need in-road builders to make these types of lessons the norm, rather than special events. It is one thing to offer an isolated lesson such as the photography trip in number 2. above. It is quite another to build this structure into our current educational infrastructure. Onward, teachers. Now is the time. </p>]]></content:encoded> <wfw:commentRss>https://hriusms.info/us-education-rankings-9-strategies-for-raising-education-rankings-thru-increasing-educations-value,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Payday Loans: No Credit Check No Fuss Loans</title> <link>https://hriusms.info/payday-loans-no-credit-check-no-fuss-loans,html</link> <comments>https://hriusms.info/payday-loans-no-credit-check-no-fuss-loans,html#comments</comments> <pubDate>Fri, 24 Feb 2023 06:31:24 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://hriusms.info/?p=55</guid> <description><![CDATA[Payday loans are the fastest and most convenient option for getting a cash advance for emergencies before your next payday. However getting payday loans and their repayments involve certain important aspects. Herein we are attempting to answer all your general queries related to Payday loans and we hope it will serve as a tool to [...]]]></description> <content:encoded><![CDATA[<p> Payday loans are the fastest and most convenient option for getting a cash advance for emergencies before your next payday. However getting payday loans and their repayments involve certain important aspects. Herein we are attempting to answer all your general queries related to Payday loans and we hope it will serve as a tool to open up any mystery surrounding payday loans or cash advance.What Is A Payday Loan Or Cash Advance Loan?We daily come across many loan types like housing loan, personal loan, and education loan. However, the payday loans are a new buzz in the market, and it is very popular. This loan is known by many names like “Cash Advance”, “Paycheck loan”, “Check loans”, and “Payday advance loans”. Let us understand what is a payday loan or cash advance loan and how and when it should be used for your maximum advantage. Payday loans are unsecured loans, which can be used for meeting your emergency financial needs and is paid back out of your next paycheck on your payday. Thus, payday loans are the shortest tenure loans among the other loans available in the market.Are there any limitations on payday loan or cash advance loan usage?Many a times we face a situation when we need money badly but feel like our hands are tied as our payday is still several days away. In such a scenario, we either have to shelve or defer our plan of purchasing something or go for a heavy interest credit card loan to meet the obligation. The requirement could be to pay up unexpected medical bills, your kid’s school fee, to avoid bouncing of your issued checks or any other financial obligation. In such trying times, payday loans or a cash advance comes in handy. Thus, you can use this cash advance for whatever purpose. There is no restriction on the usage of payday loans.Am I eligible to receive a payday loan or cash advance loan?The best thing about payday loans is that they can be had even if your credit rating is not very good. The second best thing about payday loans is that taking a cash advance does not affect your credit rating. All you need to be eligible to receive the payday loans is to have a running checking account and a regular job.How should I apply for a payday loan?To apply for the payday loans, we would say it is easier to do than to say. You can apply for payday loans online using Internet. You may be required to supply some basic information such as your Name, Address, and your employer details. Some companies offering payday loans may ask for your Bank Statement or pay stub over fax. The documents required by these companies for payday loans are minimum in comparison to other types of loans.What is the fee charged for payday loans?Before applying for payday loans, we suggest that you scan 5-6 companies for the fees they are charging. Some companies offer payday loans without any fee for the first week.How much cash can I get with a payday loan?The amount of payday loans ranges from $100 to $1000 depending upon the repaying capacity of the borrower.What is the length of payday loans?Normally a cash advance is supposed to be paid back on or before your coming payday. Therefore, the maximum length of payday loan could be up to 30 days. However, some companies are flexible with respect to the loan duration as well. Payday loans can be extended until the next payday. This extension of payday loans however comes at a price.How long does it take to get a payday loan?Payday loans are much easier to get and in less time than other loans. After applying for a payday loan online, you will get a telephone call from the payday lender. After completing the small formalities, the cash advance will be credited to your checking account the next business day.Does this mean I can enjoy my pay without waiting for my payday?Before you jump for a payday loan, please note that the rate of interest charged for these loans are higher than other loans. Extending the duration of payment will only increase the fees charged. The payday loans or cash advance loan should be used very prudently and only for meeting financial exigencies that cannot be avoided. Please remember that getting a payday loan or cash advance loan too frequently could upset your monthly budget and you may find it difficult to get out. </p>]]></content:encoded> <wfw:commentRss>https://hriusms.info/payday-loans-no-credit-check-no-fuss-loans,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Small Business Loan Update – Stimulus Bill Helps Bailout Businesses If They Cannot Pay Loans</title> <link>https://hriusms.info/small-business-loan-update-stimulus-bill-helps-bailout-businesses-if-they-cannot-pay-loans,html</link> <comments>https://hriusms.info/small-business-loan-update-stimulus-bill-helps-bailout-businesses-if-they-cannot-pay-loans,html#comments</comments> <pubDate>Fri, 24 Feb 2023 04:49:02 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://hriusms.info/?p=53</guid> <description><![CDATA[As we continue to sift dutifully through the over 1,000 pages of the stimulus bill (American Recovery and Reinvestment Act of 2009), there is one provision that is not getting much attention, but could be very helpful to small businesses. If you are a small business and have received an SBA loan from your local [...]]]></description> <content:encoded><![CDATA[<p> As we continue to sift dutifully through the over 1,000 pages of the stimulus bill (American Recovery and Reinvestment Act of 2009), there is one provision that is not getting much attention, but could be very helpful to small businesses. If you are a small business and have received an SBA loan from your local banker, but are having trouble making payments, you can get a “stabilization loan”. That’s right; finally some bailout money goes into the hands of the small business owner, instead of going down the proverbial deep hole of the stock market or large banks. But don’t get too excited. It is limited to very specific instances and is not available for vast majority of business owners.There are some news articles that boldly claim the SBA will now provide relief if you have an existing business loan and are having trouble making the payments. This is not a true statement and needs to be clarified. As seen in more detail in this article, this is wrong because it applies to troubled loans made in the future, not existing ones.Here is how it works. Assume you were one of the lucky few that find a bank to make a SBA loan. You proceed on your merry way but run into tough economic times and find it hard to repay. Remember these are not conventional loans but loans from an SBA licensed lender that are guaranteed for default by the U.S. government through the SBA (depending upon the loan, between 50% and 90%). Under the new stimulus bill, the SBA might come to your rescue. You will be able to get a new loan which will pay-off the existing balance on extremely favorable terms, buying more time to revitalize your business and get back in the saddle. Sound too good to be true? Well, you be the judge. Here are some of the features:1. Does not apply to SBA loans taken out before the stimulus bill. As to non-SBA loans, they can be before or after the bill’s enactment.2. Does it apply to SBA guaranteed loans or non-SBA conventional loans as well? We don’t know for sure. This statute simply says it applies to a “small business concern that meets the eligibility standards and section 7(a) of the Small Business Act” (Section 506 (c) of the new Act). That contains pages and pages of requirements which could apply to both types of loans. Based on some of the preliminary reports from the SBA, it appears it applies to both SBA and non-SBA loans.3. These monies are subject to availability in the funding of Congress. Some think the way we are going with our Federal bailout, we are going be out of money before the economy we are trying to save.4. You don’t get these monies unless you are a viable business. Boy, you can drive a truck through that phrase. Our friends at the SBA will determine if you are “viable” (imagine how inferior you will be when you have to tell your friends your business was determined by the Federal government to be “non-viable” and on life support).5. You have to be suffering “immediate financial hardship”. So much for holding out making payments because you’d rather use the money for other expansion needs. How many months you have to be delinquent, or how close your foot is to the banana peel of complete business failure, is anyone’s guess.6. It is not certain, and commentators disagree, as to whether the Federal government through the SBA will make the loan from taxpayers’ dollars or by private SBA licensed banks. In my opinion it is the latter. It carries a 100% SBA guarantee and I would make no sense if the government itself was making the loan.7. The loan cannot exceed $35,000. Presumably the new loan will be “taking out” or refinancing the entire balance on the old one. So if you had a $100,000 loan that you have been paying on time for several years but now have a balance of $35,000 and are in trouble, boy do we have a program for you. Or you might have a smaller $15,000 loan and after a short time need help. The law does not say you have to wait any particular period of time so I guess you could be in default after the first couple of months.8. You can use it to make up no more than six months of monthly delinquencies.9. The loan will be for a maximum term of five years.10. The borrower will pay absolutely no interest for the duration of the loan. Interest can be charged, but it will be subsidized by the Federal government.11. Here’s the great part. If you get one of these loans, you don’t have to make any payments for the first year.12. There are absolutely no upfront fees allowed. Getting such a loan is 100% free (of course you have to pay principal and interest after the one year moratorium).13. The SBA will decide whether or not collateral is required. In other words, if you have to put liens on your property or residence. My guess is they will lax as to this requirement.14. You can get these loans until September 30, 2010.15. Because this is emergency legislation, within 15 days after signing the bill, the SBA has to come up with regulations.Here is a summary of the actual legislative language if you are having trouble getting to sleep:SEC. 506. BUSINESS STABILIZATION PROGRAM. (a) IN GENERAL- Subject to the availability of appropriations, the Administrator of the Small Business Administration shall carry out a program to provide loans on a deferred basis to viable (as such term is determined pursuant to regulation by the Administrator of the Small Business Administration) small business concerns that have a qualifying small business loan and are experiencing immediate financial hardship.(b) ELIGIBLE BORROWER- A small business concern as defined under section 3 of the Small Business Act (15 U.S.C. 632).(c) QUALIFYING SMALL BUSINESS LOAN- A loan made to a small business concern that meets the eligibility standards in section 7(a) of the Small Business Act (15 U.S.C. 636(a)) but shall not include loans guarantees (or loan guarantee commitments made) by the Administrator prior to the date of enactment of this Act.(d) LOAN SIZE- Loans guaranteed under this section may not exceed $35,000.(e) PURPOSE- Loans guaranteed under this program shall be used to make periodic payment of principal and interest, either in full or in part, on an existing qualifying small business loan for a period of time not to exceed 6 months.(f) LOAN TERMS- Loans made under this section shall:(1) carry a 100 percent guaranty; and(2) have interest fully subsidized for the period of repayment.(g) REPAYMENT- Repayment for loans made under this section shall–(1) be amortized over a period of time not to exceed 5 years; and(2) not begin until 12 months after the final disbursement of funds is made.(h) COLLATERAL- The Administrator of the Small Business Administration may accept any available collateral, including subordinated liens, to secure loans made under this section.(i) FEES- The Administrator of the Small Business Administration is prohibited from charging any processing fees, origination fees, application fees, points, brokerage fees, bonus points, prepayment penalties, and other fees that could be charged to a loan applicant for loans under this section.(j) SUNSET- The Administrator of the Small Business Administration shall not issue loan guarantees under this section after September 30, 2010.(k) EMERGENCY RULEMAKING AUTHORITY- The Administrator of the Small Business Administration shall issue regulations under this section within 15 days after the date of enactment of this section. The notice requirements of section 553(b) of title 5, United States Code shall not apply to the promulgation of such regulations.The real question is whether a private bank will loan under this program. Unfortunately, few will do so because the statute very clearly states that no fees whatsoever can be charged, and how can a bank make any money if they loan under those circumstances. Sure, they might make money in the secondary market, but that is dried up, so they basically are asked to make a loan out of the goodness of their heart. On a other hand, it carries a first ever 100% government guarantee so the bank’s know they will be receiving interest and will have no possibility of losing a single dime. Maybe this will work after all.But there is something else that would be of interest to a bank. In a way, this is a form of Federal bailout going directly to small community banks. They have on their books loans that are in default and they could easily jump at the chance of being able to bail them out with this program. Especially if they had not been the recipients of the first TARP monies. Contrary to public sentiment, most of them did not receive any money. But again, this might not apply to that community bank. Since they typically package and sell their loans within three to six months, it probably wouldn’t even be in default at that point. It would be in the hands of the secondary market investor.So is this good or bad for small businesses? Frankly, it’s good to see that some bailout money is working its way toward small businesses, but most of them would rather have a loan in the first place, as opposed help when in default. Unfortunately, this will have a limited application.Wouldn’t it be better if we simply expanded our small business programs so more businesses could get loans? How about the SBA creating a secondary market for small business loans? I have a novel idea: for the moment forget about defaults, and concentrate on making business loans available to start-ups or existing businesses wanting to expand.How about having a program that can pay off high interest credit card balances? There is hardly a business out there that has not been financing themselves lately through credit cards, simply because banks are not making loans. It is not unusual for people to have $50,000 plus on their credit cards, just to stay afloat. Talk about saving high interest. You can imagine how much cash flow this would give a small business.We should applaud Congress for doing their best under short notice to come up with this plan. Sure this is a form of welcome bailout for small businesses, but I believe it misses the mark as to the majority of the 27 million business owners that are simply looking for a loan they can repay, as opposed to a handout. </p>]]></content:encoded> <wfw:commentRss>https://hriusms.info/small-business-loan-update-stimulus-bill-helps-bailout-businesses-if-they-cannot-pay-loans,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>All About Small Business Loans – How to Get Them</title> <link>https://hriusms.info/all-about-small-business-loans-how-to-get-them,html</link> <comments>https://hriusms.info/all-about-small-business-loans-how-to-get-them,html#comments</comments> <pubDate>Thu, 23 Feb 2023 19:01:02 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Small Business]]></category> <guid isPermaLink="false">http://hriusms.info/?p=50</guid> <description><![CDATA[If the business employs less than a hundred, is owned and operated independently, and not the market leader in the industry where it belongs, then it is considered a small business. These are some of the criteria of the U.S. Small Business Administration (SBA) defining a small business.One of the most common problems of a [...]]]></description> <content:encoded><![CDATA[<p> If the business employs less than a hundred, is owned and operated independently, and not the market leader in the industry where it belongs, then it is considered a small business. These are some of the criteria of the U.S. Small Business Administration (SBA) defining a small business.One of the most common problems of a small business owner is the lack of funds to maintain, run and expand the business. If you have this problem, then these frequently asked questions will guide you in making your business survive through the support of a business loan.What is a Small Business Loan?A small business loan is the type of loan that lends money or funds to a small business owner so he or she can operate the business. It is also made available for individuals who wish to start a business.Small business owners may use the amount borrowed for the establishment, construction or renovation of the business, acquisition of the necessary equipment, and for operational expenses such as payroll.While a small business loan refers to a loan for the business itself, the personal credit history of the business owner will strongly determine if the bank or lender would give its approval to the application. Thus, a small business loan is also termed as a personal loan granted to small business owners.How to apply for Small Business Loans?When you apply for a loan, your loan provider will look into your personal credit history. You, the business owner, should also be able to project a sense of deep commitment to your small business. The lender will gauge your willingness to put a portion of your personal funds to help the business prosper. Be prepared also to present a loan security or collateral such as a house or car. What’s more, your educational background and expertise are also important factors for your business to be granted the loan.The small business owner is also required to submit a business plan. A business plan is a written proposal which details the nature of your business, marketing strategy and contains a financial report. This document should also include how the business will generate income and support its operational expenses in the coming years. Moreover, the business plan should be able to convince your loan provider that you can pay the loan within the stated date of payment through the profit realize from the business and its expected continuous growth.Remember that lenders need to make sure that the business can survive to pay up the loan and that its owner is credible enough to guarantee that the business is well planned to prosper.Where to apply for Small Business Loans?You can apply for a loan traditionally, which means going to local banks and government funded organizations. Even your local cooperatives have facilities for small business loans.You may also apply for a loan online. Online application for a business loan is easier and convenient for a small business owner. You no longer have to waste time scouting for the best loan arrangement in the market. All you need to do is visit various websites and compare the rate and application requirements. However, make sure that your target small business loan provider is credible to avoid problems later on. A national bank with online capability is the best choice. </p>]]></content:encoded> <wfw:commentRss>https://hriusms.info/all-about-small-business-loans-how-to-get-them,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://hriusms.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://hriusms.info/crypto-currency-vs-fiat-currency,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:40:25 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[cash]]></category> <category><![CDATA[Crypto currency]]></category> <category><![CDATA[currency]]></category> <guid isPermaLink="false">http://hriusms.info/?p=48</guid> <description><![CDATA[Crypto currency vs. Fiat currency Are you aware of the fiat currencies and the crypto currencies? They both are currencies in one form or the other and are open for public use across the world. But they are both different and distinct in their own ways. There is always one group that favors the use [...]]]></description> <content:encoded><![CDATA[<p>Crypto currency vs. Fiat currency</p><p>Are you aware of the fiat currencies and the crypto currencies? They both are currencies in one form or the other and are open for public use across the world. But they are both different and distinct in their own ways. There is always one group that favors the use of cryptos, while the other has a soft corner for the fiat currencies.</p><p>In cashless society- crypto money play a huge role</p><p>If you have a look at the market of the 1970s and 1980s, you will find that the cash played the dominant role. But, with the change in the technology, electronic transactions have become the usual norm. Today, more and more people are influenced in becoming the cashless society. With the progress towards the cashless society, cryptocurrencies have a big role to play.</p><p>Crypto currency and fiat currency are always at loggerheads</p><p>Cryptocurrency and fiat currency are popular types of digital currency, especially when it is about an online transaction. They both are currencies currently in use in the market but have some differences in them. There is a hell lot of hypes that you will hear on a daily basis comparing the crypto money and the fiat money. This article will highlight the difference between the two in a more comprehensive and clear manner.</p><p>Differentiating in what the currencies stand for</p><p>Before going for the difference between the two, you must understand what do they stand for and how are they are defined.</p><p>The fiat currency is a legal tender that has the support of the central government, and it operates in the physical form. For instance, US dollars, British Pounds, Euro etc. On the other hand, the crypto currency is a non-legal tender, and doesn’t have any backup from the central government or bank.<br />Hence, the difference between crypto currency and fiat currency is noted as follows:</p><p>• Crypto-currencies are decentralized and global in nature. There are no one entity or government that controls the currency with their laws and regulations. The Fiat currency is centralized, under the control of the laws and regulations of the banks and government.</p><p>• Crypto-currencies have their existence only in the digital domain. On the other hand, you will find that the fiat currencies have a tangible and physical existence.</p><p>• There is a limited supply of crypto-currencies with a maximum set of them getting supplied in the market. Whereas, the fiat money has an unlimited supply as the government and bank are entitled to produce coins and paper money whenever the situation is required.</p><p>• The Bitcoin and other crypto type currencies are created by the computers, while the fiat currencies are issued by the local government and the banks.</p><p>• Cryptocurrencies are presented as the public and private code pieces. On the other hand, the fiat currencies are presented in the form of coins and paper money.</p><p>• The value of the crypto currencies is not recognized by the supply and demand of the market. Whereas, the fiat currency value is determined by the market regulations of supply and demand.</p><p>The different types of crypto and fiat currencies</p><p>In the last one decade, the popularity of crypto type currencies has emerged as a huge success. It was in 2009, when Bitcoin was first introduced, and years after several other types of crypto currencies have emerged. Starting from Litecoin. Dogecoin, Ripple to the Dcash and Zcash, there is a plethora of them. On the other hand, the fiat currency has a rich and ancient roots, with the Great British Pound, that dates back to 775 AD. It is considered as the oldest currency in the world that is still in use.</p><p>The differences in the anonymity between the two currencies</p><p>When you are using the fiat currencies, you need to undergo a user identification or verification process. You are asked to upload a recent picture of yourself and some of the required documents to be issued as per the public authorities. You don’t need to undergo any of the required processes with the crypto currencies. Though your personal information and confidential details don’t get public, but all your transactions are recorded and tracked in both the fiat and the crypto currencies.</p><p>Fiat currency vs crypto currency: transparency level</p><p>• The transparency level with the crypto type currencies are considered to be more. This is because the revenue streams are displayed in a public chain. Everyone can witness their own and others’ transactions.</p><p>• The fiat or govt. currencies are not transparent, as there are not public chains to see the revenue streams of the people.</p><p>A comparative historical roots</p><p>If you compare the crypto money with that of its counterpart, fiat or government currency, you will find that their existence and creation brings the difference. The Fiat or government currency, dates back its existence as early as 775 AD with the introduction of the Great British Pound. This is why fiat type currency is easily accepted by the people all over.</p><p>On the other hand, the crypto coin was perhaps first introduced only a decade ago, with the introduction of Bitcoin in 2009. The challenge that the Bitcoin and other crypto currencies face is catching up with the immense popularity and increasing fan base of the fiat currency. Crypto currency, is no doubt gaining importance and popularity in the economic market, but it has still not been accepted widely in the society as the fiat currency.</p><p>A comparative history of the two currencies:</p><p>• It was in the 11th century, when the Chinese Song dynasty was perhaps the first one to issue the paper money. It was not allowed to exchange with valuables like gold and silver or silk.</p><p>• There were Tally sticks that were introduced as a fiat or government currency. 1100 Tally sticks were introduced as a combat for the shortages in gold.</p><p>• 1971, was the year, when the fiat currency received a worldwide recognition. President Nixon introduced it in order to eliminate the dollar pegging system to gold.</p><p>• It was in 1998, when the idea of an anonymous electronic cash system emerged by Wei Dai. Bitgold-the very first crypto currency was created by Nick Szabo, but it didn’t receive as much attention as Bitcoin.</p><p>• In 2009, Bitcoin was introduced in the market, that became the first crypto currency that was accepted across the globe. In 2011 and after, a series of several other crypto currencies were introduced. Some of the popular ones include, Litecoin, Dogecoin, Ethereum, Ripple, Zcash, Dash and so on.</p><p>The traits of both the currencies</p><p>The potential of the crypto type currencies and fiat currencies, accessing their traits is important. You will find that in some of the criteria, Bitcoin and other crypto currency is superior than the fiat or government currency, and in some cases, the latter surpasses. It is absolutely your call to choose the type of currency (crypto type currency or fiat type currency) based on your personal needs and requirements.</p><p>Let us compare their traits with respect to certain factors.</p><p>• Both the crypto coins and fiat type currencies are interchangeable in nature.</p><p>• As per the portability is concerned both the currencies secure more or less the same position.</p><p>• With respect to the non consumable criteria, crypto currency and fiat type currency have the equal status.</p><p>• Crypto type currencies have high durability as compared to the fiat-currencies that have moderate level of durability.</p><p>• Both the crypto or virtual currencies and the fiat or government currencies ensure secure and safeguarded transactions and exchange.</p><p>• Crypto or digital currencies are highly divisible in nature. On the other hand, the fiat type currencies are moderately divisible.</p><p>• In terms of the transaction process, the crypto currencies are easy and hassle free. Whereas, on the other hand, the traction process associated with the fiat currencies are easy, but not like the cryptos.</p><p>• The crypto based currencies are decentralized and global in nature, unlike the fiat currencies that are centralized and functions under the laws and regulations of the government.</p><p>• The crypto based currencies have high scarcity, where as, the fiat currencies are unlimited as the government can issue coins and paper money whenever there is a need.</p><p>• The crypto based currencies are based on mathematical algorithms, and are programmable. The fiat currencies are not at all programmable.</p><p>• The fiat currencies are sovereign in nature, while the crypto currencies are not.</p><p>The process of the functioning of the currencies</p><p>You can find the significant differences between the crypto or digital currencies and the fiat currencies with the way they both operate and the transaction process that take place. They are contrasting in nature. The transfer of money using the Bitcoin is very quick, and you absolutely don’t need any third party association.</p><p>On the other hand, if you are involved with the money exchange using Fiat type currency, a mobile wallet is in use. You can exchange an amount of e-money that gets transferred into the equal e-value amount. Both the fiat and the crypto currencies enable you to purchase everything that you desire. But the processes involved are absolutely distinct from each other.</p><p>Depending on the things you purchase, you will find that one currency form is better than the other. This is absolutely your choice.</p><p>Is Bitcoin, a crypto currency better than the fiat-currency?</p><p>The long term benefits and the capability of the Bitcoins is still not established. But it has been predicted by the crypto currency gurus and experts, that they will go a long way, especially revolutionizing the way the online transactions are done. In the current market, the Bitcoin is mainly included in the online casinos and the gambling, but it is not limited to it.</p><p>Furthermore, when you compare the fiat currencies, the Bitcoin allows you to seize the power and authority from the banks and the government since it is not controlled. The cryptography based currency has the capability to create or come up with the free market capitals. Fiat currencies are affected by the inflation and the changes in the market, unlike the crypto based currencies. Such aspects make individuals believe that cryptograph based currencies will soon take over the mainstream currencies and bring a transformation in the way the money is used.</p><p>Why is Bitcoins considered to be a better aspect than the fiat type currencies?</p><p>• Bitcoin gives you the opportunity to re-create a free market capitalism.</p><p>• The power of controlling the money is absolutely with the individuals, and not with the banks like the fiat type currencies.</p><p>• When there is an inflation, the Bitcoin is not affected. But the Fiat type currency will be easier to lose and get affected by it.</p><p>• The Bitcoin currency is easy easier to exchange and transfer as compared to the fiat or government currencies.</p><p>• The transaction fees involved with the Bitcoin are way cheaper and easily affordable.</p><p>Crypto currencies seem to be a favorable option among the people</p><p>The fiat type currencies are the centralized and legal way of exchanging money. But, the crypto currencies have acquired immense popularity in the past few years. There will never be anyone who would act as a middle man, like the case with the banks. Moreover, the cryptos are way cheaper and less expensive that the conventional fiat currencies.</p><p>Send money anywhere directly without waiting for the bank’s approval</p><p>You can send money to anyone in the world directly, and it is super fast. The money gets cleared within a few minutes time. You don’t have to wait for the traditional clearing and verification processes of the banking systems, which might take up to several days to get a clearance. Since it is decentralized and doesn’t come under the law and regulations of the government, nobody has any power to do anything with your account.</p><p>The blockchain technology has a very big role to play</p><p>Thanks to the crypto currencies, that gives us the power and the authority to become our very own bank, and take control over our finances. It is because of the blockchain technology that offers a higher level of sophistication while dealing with the finances. In fact, there are some mainstream financial industries that have started incorporating the idea of the technology.</p>]]></content:encoded> <wfw:commentRss>https://hriusms.info/crypto-currency-vs-fiat-currency,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Are You Choosing the Right Stock Market Advisory Company</title> <link>https://hriusms.info/are-you-choosing-the-right-stock-market-advisory-company,html</link> <comments>https://hriusms.info/are-you-choosing-the-right-stock-market-advisory-company,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:35:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[financial]]></category> <category><![CDATA[help you]]></category> <category><![CDATA[planners]]></category> <category><![CDATA[point]]></category> <guid isPermaLink="false">http://hriusms.info/?p=46</guid> <description><![CDATA[What do you do if you want to learn driving a car? You will try to find an expert teacher, isn’t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, [...]]]></description> <content:encoded><![CDATA[<p>What do you do if you want to learn driving a car? You will try to find an expert teacher, isn’t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, when it comes to investing in the stock market for the first time, you require a knowledgeable advice to attain your financial goals and get profitable returns.</p><p>If you are a beginner, then it is quite obvious that you may be having no information about the process of buying the right shares in the market. In such a situation, getting the right tips from an experienced financial advisor or a registered advisory company will truly prove to be a great blessing in disguise. However, there are some of the important things that have to be kept in mind while choosing the top stock market advisory company, which are as follows:</p><p>How much assistance do you actually require?</p><p>Before you make up your mind to hire an advisor, it is imperative that you must first decide about the kind of service you require from them. You may need their help at the beginning or during the time of any issues. This is because an advisor has to formulate a map according to your requirements. Hence, it is suggested to ascertain your needs first and then take further action.</p><p>Choose a top ranked advisory company</p><p>It is a very important point that has to be taken into the consideration. Availing services of the well known advisory company or a financial advisor is an absolute necessity. Make it a point to carry out a proper background or research work about the company. Check out their credentials, reputation, experience, etc before hiring them.</p><p>Asking for a sample financial plan initially makes sense</p><p>When hiring a financial advisor, then do not forget to ask for sample plan first. It is imperative to note that there is no such thing called the perfect plan. A sample plan will help you to determine whether an advisory company is actually making sense according your requirements or not.</p><p>Conclusion</p><p>The financial planners or advisory companies can really turn out to be the greatest asset for you if you choose the best one. They are just like the professional sailors who can help you out to sail through stock investment related problems quite efficiently.</p><p>Deepak is a financial advisor who likes to provide quality tips to the people facing any issues with regard to investing in the stock market. He likes to keep himself updated about the stock market by reading articles, news and blogs, etc.</p>]]></content:encoded> <wfw:commentRss>https://hriusms.info/are-you-choosing-the-right-stock-market-advisory-company,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Fear and Greed in the Market</title> <link>https://hriusms.info/fear-and-greed-in-the-market,html</link> <comments>https://hriusms.info/fear-and-greed-in-the-market,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:33:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[company]]></category> <category><![CDATA[indicators]]></category> <category><![CDATA[investors]]></category> <category><![CDATA[Market]]></category> <category><![CDATA[technical]]></category> <category><![CDATA[trading]]></category> <guid isPermaLink="false">http://hriusms.info/?p=44</guid> <description><![CDATA[Greed and Fear. Two Emotions that play a bigger factor in the success or failure of humans than any other emotion we experience. Both fear and greed refer to an intrinsic emotional state. Tens of Millions of dollars have been made and lost based on these 2 emotions alone. In trading, in business and in [...]]]></description> <content:encoded><![CDATA[<p>Greed and Fear.</p><p>Two Emotions that play a bigger factor in the success or failure of humans than any other emotion we experience. Both fear and greed refer to an intrinsic emotional state. Tens of Millions of dollars have been made and lost based on these 2 emotions alone. In trading, in business and in relationships. So why do so many educational courses, stock trading books and online courses avoid this topic all together?</p><p>Perhaps they are not avoiding the topic of emotions, Perhaps by teaching certain methods and skill sets to their readers they are in fact dealing with the emotional side of trading head on!</p><p>It is well known that emotions create a certain amount of pleasure or displeasure. It is also known that emotions are networked with mood, frame of mind, desires and passions. The list goes on… So how do we as individuals develop a skill set to navigate these emotions in business in trading and in life?</p><p>Charles Darwin argued that emotions actually served a purpose for humans and rightfully so, If our emotions have been evolving for over 2 million years. Should we not be using these amazing skills to our advantage rather than placing blame on them for poor decision making? It is my belief the poor decision making has nothing to do with emotions and everything to do with laziness and lack of planning.</p><p>A Lesson From One of the Greats!</p><p>I would be doing my readers a disservice if we did not mention the strategy of Warren Buffett. One of the most successful investors of our time. Warren Buffet stuck to his strategy and profited greatly. Warren Buffett showed us just how important and beneficial it is to stick to a plan. When deciding whether or not to invest in a company himself, Buffett and his partners follow a few simple guidelines, one of which involves trying to determine the company’s longevity.</p><p>As the market becomes overwhelmed with greed, the same can happen with fear. When stocks suffer large losses for a sustained period of time, the overall market can become more fearful of sustaining even further losses. But being too fearful can be a grave mistake. It is precisely at this time successful investors and traders alike make their move. This is where the real money is made.</p><p>Just as greed dominated the recent Cryptocurrency boom or fear dominates the headlines on potential trade war outcomes, investors quickly move around from one “secure” investment to another. It becomes a constant game of cat and mouse.</p><p>This flooding in of money to the stock market shows a complete disregard for many technical indicators that continue to scream a correction is inescapable. Retail Investors seem overjoyed with the flooding in of headlines that read ALL TIME HIGH. Should retail investors be overrun by fear of a major correction?. Granted, losing a large portion of your retirement portfolio’s worth is a tough pill to swallow, but even harder to digest is the possibility of missing out on the massive gains the market is currently offering investors of all experience levels.</p><p>Having a clear understanding of my own personal goals, a understanding of my success and creating a list of my OWN wants and needs rather than taking dreams of others and trying to reach them has been a colossal factor in putting out the greed flame in my own trading and daily decision-making.</p><p>I have also added a link of “Must Read” Books that have been advantageous in my journey of reigning in my emotions on decision-making. I will update this as I see fit..</p><p>One method I have found to be helpful is to be careful on how I measure success, wealth, goals and most importantly happiness. It is far to easy these days to allow outside influences affect our happiness and success. Social media blasts us day in and day out with the success of others.</p>]]></content:encoded> <wfw:commentRss>https://hriusms.info/fear-and-greed-in-the-market,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>5 Areas Where Interest Rates Matter!</title> <link>https://hriusms.info/5-areas-where-interest-rates-matter,html</link> <comments>https://hriusms.info/5-areas-where-interest-rates-matter,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:32:13 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[buyer]]></category> <category><![CDATA[government]]></category> <category><![CDATA[politics]]></category> <category><![CDATA[pricing]]></category> <guid isPermaLink="false">http://hriusms.info/?p=41</guid> <description><![CDATA[Although, we hear, a lot of opinions, about, interest rates, and their trends, and impacts, very few people seem to understand, the significance, and importance/ relevance, of these rates, in several areas of our lives! After, many decades of involvement, in political campaigns, leadership, leadership training/ planning, real estate, financial sales and consulting, etc, I [...]]]></description> <content:encoded><![CDATA[<p>Although, we hear, a lot of opinions, about, interest rates, and their trends, and impacts, very few people seem to understand, the significance, and importance/ relevance, of these rates, in several areas of our lives! After, many decades of involvement, in political campaigns, leadership, leadership training/ planning, real estate, financial sales and consulting, etc, I strongly believed, one benefits, by understanding, more about these, and how they affect, many things, in our lives! Whether, related to personal, organizational, and/ or, public finance/ spending, home ownership and related costs, credit – related issues, business matters, stock and bond pricing, etc, interest rates, truly, significantly, matter! With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 5 of these areas, and how the cost – of – money, makes a significant difference.</p><p>1. Bond prices and interest rates: The price of a bond, generally, is inversely – related to interest rates! When these rates go down, prices, rise, and when they go up, the inverse occurs! Bonds have, what is known, as, a par – value, which is the price, paid, at the end of the term. Markets usually set these at 100, which represents $1,000 per bond, at maturity. However, during the period, the pricing can rise or fall, which impacts, liquidity – related issues!</p><p>2. Mortgage rates: For the last few years, we have been witnessing and experiencing, record – low, mortgage interest rates, which have helped the overall, real estate/ housing market, especially, in terms of, pricing increases! In most areas of this country, we are seeing, home prices, at their highest levels, ever, by a significant, dramatic amount! When this rate, is low, a home buyer is able to buy, more – house – for – his – bucks, because, his monthly payments, are so low! Consider, however, what might be the potential ramifications, and impacts, when these rates, will, inevitably, rise?</p><p>3. Consumer credit: Low costs of borrowing, help the automobile industry, in terms of consumer financing, etc! Although, not as much as other vehicles, rates on credit card debt, are lower, and there are often, shorter – term, promotions, offering deals! However, since, most of these are variable, and based, on some index, etc, what happens, when there is an increase, in this?</p><p>4. Business borrowing: Another area affected, is business cost of borrowing! Presently, they have had access, to relatively, cheap – money, which helps in reducing the costs of borrowing, overall operations, purchasing inventory, etc. But, what happens, when this, ticks – up?</p><p>5. Impacts on stock market prices: For some time, because bonds have paid so little, in terms of dividends, etc, many have considered, the stock market, the only game, in – town! In addition, many corporations, have seemed, better – off, than they probably are, and we have witnessed, a higher, ratio of prices to profits, than in the past! How long will this last? How high can it go?</p><p>Many factors impact these issues, especially: actual and/ or, perceived inflation; consumer confidence; politics/ government actions/ the Federal Reserve, etc. The more you know, and understand, hopefully, the better – prepared, you will be!</p>]]></content:encoded> <wfw:commentRss>https://hriusms.info/5-areas-where-interest-rates-matter,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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