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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>htswtms.info</title> <atom:link href="http://htswtms.info/feed" rel="self" type="application/rss+xml" /> <link>https://htswtms.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 01:22:24 +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>Advantages of One Cup Coffee Makers</title> <link>https://htswtms.info/advantages-of-one-cup-coffee-makers,html</link> <comments>https://htswtms.info/advantages-of-one-cup-coffee-makers,html#comments</comments> <pubDate>Tue, 18 Apr 2023 12:31:34 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Business]]></category> <category><![CDATA[business ideas]]></category> <category><![CDATA[business ideas 2023]]></category> <category><![CDATA[business insider]]></category> <category><![CDATA[business maker]]></category> <category><![CDATA[business maker 14]]></category> <category><![CDATA[business maker 2]]></category> <category><![CDATA[business motivation]]></category> <category><![CDATA[home based business]]></category> <category><![CDATA[how to start a business]]></category> <category><![CDATA[lyrics the business]]></category> <category><![CDATA[online business]]></category> <category><![CDATA[small business ideas]]></category> <category><![CDATA[the business]]></category> <category><![CDATA[the business lyrics]]></category> <category><![CDATA[the business music video]]></category> <category><![CDATA[the business tiesto]]></category> <category><![CDATA[the business tiesto video]]></category> <category><![CDATA[tiesto the business]]></category> <category><![CDATA[tiesto the business lyrics]]></category> <category><![CDATA[tiesto the business video]]></category> <guid isPermaLink="false">http://htswtms.info/?p=73</guid> <description><![CDATA[Many people today are considering a one cup coffee maker for their home. They see them in doctor’s offices and other businesses and know they make excellent drinks. Before making the final decision to purchase a one cup coffee maker … <a href="https://htswtms.info/advantages-of-one-cup-coffee-makers,html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Many people today are considering a one cup coffee maker for their home. They see them in doctor’s offices and other businesses and know they make excellent drinks. Before making the final decision to purchase a one cup coffee maker most people like to know the advantages so they can choose what is best for their situation. The advantages of a one cup coffeemaker are easy to see and in the end will be what makes it the best choice.Freshly brewed coffee any and every time it is wanted. One cup coffee makers take the guesswork out of whether or not the coffee in the pot is fresh. Coffee that sits on a warming unit eventually becomes stale; however, it isn’t obvious that it is stale unless it is tasted. Once cup coffee brewers solve this by making one cup of coffee at a time and so there is never a stale cup.No more wasted coffee or money being poured down the drain. Every time a pot of coffee is made and only one or two cups of coffee is drunk the rest of the pot is like pouring money down the drain. Using a one cup maker keeps money from being poured down the drain. Making one cup of coffee at a time saves money and serves fresh coffee.Clean up is a breeze with a one cup coffee maker. Simply toss the used pod or K-cup into the garbage or compost bin. Automatic drip coffee makers require messy coffee filters filled with wet grounds than can be a huge mess if spilled.Using one cup coffeemakers allows for more variety. If someone wants decaf they can have decaf without having to brew another pot of coffee simply for one person who needs decaf. Other options include flavored coffees and teas along with hot chocolates and other beverages. This variety is great for crowds and entertaining where many people might have different tastes.The convenience factor is probably one of the biggest factors considered an advantage by people who own them. If a cup of hot tea or coffee is wanted and it happens to be late in the day there’s no need to brew a pot of coffee, simply give the machine a few minutes to heat up and voila a fresh hot cup of coffee or tea without leaving the house. Hot tea before bed doesn’t have to take a long time while it steeps, simply use a hot tea pod of K-cup and have a relaxing tea ready in just a few short minutes.The advantages of a one cup coffeemaker are many and will surely sway the automatic coffee drip fan over to the one cup coffee maker side. The initial investment in one of these coffee makers has decreased drastically making them affordable and even more popular than ever. Coffee lovers should investigate the world of one cup coffee makers thoroughly. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://htswtms.info/advantages-of-one-cup-coffee-makers,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Discover Whether There Are Still Benefits in Directory Listings</title> <link>https://htswtms.info/discover-whether-there-are-still-benefits-in-directory-listings,html</link> <comments>https://htswtms.info/discover-whether-there-are-still-benefits-in-directory-listings,html#comments</comments> <pubDate>Mon, 17 Apr 2023 21:05:01 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Directory]]></category> <guid isPermaLink="false">http://htswtms.info/?p=67</guid> <description><![CDATA[In the infancy of the internet web directories began to appear as a place where internet users were able search for web pages on a particular topic. In the last ten to fifteen years however directories have been massively eclipsed … <a href="https://htswtms.info/discover-whether-there-are-still-benefits-in-directory-listings,html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> In the infancy of the internet web directories began to appear as a place where internet users were able search for web pages on a particular topic. In the last ten to fifteen years however directories have been massively eclipsed in both popularity and usability by search engines provided by companies like Microsoft, Yahoo, and Google. Despite the fact that users now greatly favour search engines over directories there are still an enormous amount of directories on the internet. This article aims to look at why so many directories still exist and question whether there is still any value to be found in submitting websites to them.Ever since search engines usurped web directories as the places for internet users to look for specific information it has been debated whether or not submitting websites to them was still worthwhile. There are two main ways in which directories can bring traffic to a website: directly and through the increase in strength that the extra links give to a page.The vast majority or webmasters now agree that web directories create very, very little direct traffic. Some sites report seeing a very small percentage of traffic coming from the major directories (DMOZ, Yahoo) and none from less dominant directories.Since search engines have gained in popularity so has the practice of search engine optimisation (SEO). The aim of SEO is to get a web page to rank as highly as possible in search engines for particular key phrases and it is in this area that directories can still prove useful. Search engines traditionally placed a lot of weight on the number of backlinks pointing to a website (it viewed these links as votes vouching for a sites authority). Webmasters quickly realised that their position in the SERPs (Search Engine Result Pages) could be boosted by submitting to directories that provided them with backlinks. In the last couple of years search engine algorithms have become considerably more complex and have negated a lot of the effectiveness of having a large number of links coming from directories. So is it still worth submitting a website to these directories?With virtually no direct traffic coming from directories and search engines now claiming that they don’t take the links into account it would initially seem to be a waste of time. However in reality there are still a couple of benefits to listing a site in a directory.First it has been widely reported that despite the claims of the major search engines being listed in directories has given a slight boost to the sites performance. Although this is nowhere near as great as it used to be it is something that is not worth ignoring completely. Directory listings are most beneficial to niche websites that sit in directory categories that have little to no competition.The other reason directory listings are valuable is that, while search engines have devalued the importance of the links from directories, they still use them when providing localized results. As such being listed in local or regionalised directories can help yield high results to users searching in the immediate geographical area. </p>]]></content:encoded> <wfw:commentRss>https://htswtms.info/discover-whether-there-are-still-benefits-in-directory-listings,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Blueprint for Energy Cost Control</title> <link>https://htswtms.info/blueprint-for-energy-cost-control,html</link> <comments>https://htswtms.info/blueprint-for-energy-cost-control,html#comments</comments> <pubDate>Sat, 01 Apr 2023 17:58:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Energy]]></category> <guid isPermaLink="false">http://htswtms.info/?p=65</guid> <description><![CDATA[Despite the importance of planning in facility operations, too many facility executives abandon it when managing energy use. Instead, they undertake a series of uncoordinated activities that typically include equipment upgrades, system replacements and energy services contracting. In some cases, … <a href="https://htswtms.info/blueprint-for-energy-cost-control,html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Despite the importance of planning in facility operations, too many facility executives abandon it when managing energy use. Instead, they undertake a series of uncoordinated activities that typically include equipment upgrades, system replacements and energy services contracting. In some cases, specific steps may even prove to be counterproductive. Too often, these measures simply mirror what other facility executives are doing without considering the needs of a particular facility. Implementing one “energy project of the month” after another may reduce the use of energy, but it isn’t energy management.While energy conservation measures implemented without an overall plan reduce energy use and costs, they do so with an unequal impact. Since energy conservation budgets are not unlimited, facility executives need to implement those that produce the most favorable returns in terms of energy and cost savings for a given investment in a given facility.Another problem with not having an energy management plan is missed opportunities. One of the key elements in an energy management plan is the identification of when, where and how much energy is used in the facility. Successful programs identify big energy users and focus efforts on them. Without that step, facility executives can’t know what measures will produce the best results.Lack of an energy conservation plan also leads to uncoordinated – and often counterproductive – efforts. For example, installing high efficiency central chillers will improve the overall efficiency of the chiller plant, but under electricity deregulation, the installation of an alternative drive chiller, such as an absorption chiller or engine-driven centrifugal chiller, might reduce costs even more. Or upgrading to T8 lamps and electronic ballasts without first considering the lighting needs of the space may result in inefficiencies due to the overlighting of some areas.Finally, lack of an energy conservation plan places the facility in a position where it must react to rather than anticipate marketplace changes in the supply and cost of energy. For example, deregulation is giving facilities the incentive to flatten electrical loads. Facility executives who have developed an energy management plan already know how their electrical loads vary with the time of day and the season of the year, so they are able to take steps to reduce load peaks.Once the loads have been reduced, facility executives can further reduce their electrical load during periods of high rates by, for example, installing engine-driven chillers or gas-fired absorption chillers. Without an energy conservation plan already in place, facility executives would have little time to react to the changes introduced by deregulation.<br />A facility’s energy management plan is a road map to efficiency. The plan identifies where the facility is currently in terms of energy efficiency, where the facility needs to be and how it is going to get there. To make the plan successful, it must include all three elements. Skipping one or more may save time, but it will not allow a facility executive to manage energy use.The energy management plan also should be flexible and able to respond quickly to changes in the marketplace. As facility executives have seen over the past year, the energy industry is volatile, with electricity price spikes, heating oil shortages and price instability.Finding Out Where You AreBefore a plan can be developed to manage energy use, the facility executive must understand how energy is used in a facility. What types of energy sources are used? How much does the facility use? When does the use take place? Where is the energy used? Why?Understanding energy use in the facility is the first step in developing an energy management plan, but this alone does not tell facility executives where they are. A facility might be highly energy efficient, or it might be an energy hog. Without a base of comparison, the facility executive will not know where a facility stands or how much opportunity exists for improvement.One method that can be used to help develop that understanding is benchmarking. Benchmarking compares the energy use in a given facility to the energy use of other similar facilities. Facilities can be benchmarked against published building energy use data. One source for published energy use data is the U.S. Department of Energy’s Commercial Buildings Energy Consumption and Expenditures. Listing energy use on a Btu per square foot basis for a wide range of facilities in different climates, the published data can be used to show where a particular facility stands in terms of energy efficiency relative to other similar facilities.For office buildings and K-12 school facilities, EPA’s Energy Star Label for Buildings program has developed an online energy benchmarking tool. The tool takes into account differences in factors like location and hours of operation and ranks a building on a scale of 1 to 100 for energy efficiency.Another method of benchmarking is to compare energy use in a given facility to the measured energy use in other similar facilities, particularly if those facilities are considered to be among the best in a class when it comes to energy efficiency. One must be careful, though, to compare only facilities that are truly similar. Differences in how the facility is used, the hours of operation and the energy-using systems will result in invalid comparisons.By determining the energy use pattern for the facility and comparing it to that of other similar facilities, facility executives can determine how energy efficient their operation is and how much room exists for improvement.Identifying OpportunitiesThe information gathered when identifying energy use patterns of the facility can be used to help identify energy conservation opportunities. Those patterns will show areas where energy use and costs are the highest and therefore offer the greatest potential for savings.In identifying opportunities for energy conservation, savings estimates must be developed for each item being considered. Those estimates can be used to determine the payback for the items, allowing comparisons to be made on the basis of savings produced and return on investment.Deregulation is generating additional opportunities for energy management and an even greater need for an energy management plan. Facility executives that have in place an energy management plan that takes into consideration the impact and requirements of electricity deregulation will be able to take advantage of the opportunities it creates. Those that don’t will end up paying higher rates for electricity – often higher than they were before deregulation.One of the key areas that must be addressed by the energy management plan under deregulation is real-time pricing. Under deregulation, electricity rates will vary by the hour based on a number of factors, including the total demand for electricity and what it costs the utility to meet that demand. As the demand increases, so will the cost of electricity. While the implementation details of how real-time pricing are still being worked out, real-time pricing’s impact on the cost of energy to facilities will be significant. Already, some users have found that the cost of electricity during periods of high demand has increased by a factor of between 25 and 100.Setting PrioritiesIdentifying opportunities tells a facility executive what can be done to reduce energy use but not which energy conservation activities should be completed first. Because the number of identified activities always exceeds the available funding, priorities will have to be established. There are several ways to establish priorities, including payback, load reduction factors and need.Payback is the most common method. Although many different variations of payback calculations have been used to evaluate energy projects, all look at the expense of implementing the project and the savings that will be produced. Those that offer the highest rate of return are typically selected first for implementation.Sometimes, producing the quickest payback is not the best way to go. In general, the greatest potential for energy savings in facilities lies in that facility’s major energy-using systems: the chillers, cooling towers, boilers and lights. If large savings are needed in a short period of time, then the big systems are the ones to start with. Because of their high energy use, even relatively small improvements in operating efficiency can result in large savings. However, if the goal of the energy conservation program is to achieve the highest energy efficiency possible, then it is best to start by minimizing building loads at their source first.Addressing building cooling loads at their source reduces the load on central equipment, such as building chillers. When it comes time to upgrade those central chillers, smaller units can be installed. Those smaller chillers will be more closely matched to the actual building cooling loads than if the chillers had been replaced before loads were reduced. Matching chiller capacity to actual cooling loads allows chillers to operate more efficiently, saving energy.There are times when a project’s payback is secondary to the need to reduce energy use. When a facility is facing a shortage or a curtailment, payback is not as important as achieving a reduction in use. For example, the past two summers have seen high demand for electricity in some regions of the country, demand so high that utilities have ordered cuts in electricity use in order to prevent possible widespread power outages. Faced with the alternative of reducing use or losing electrical service, facilities have taken steps to curtail their demand. These steps can be implemented effectively only if they have been planned ahead of time. When the utility is on the phone demanding a 5 or 10 percent reduction in electrical demand, it is too late to begin looking for electrical loads that can be reduced.The energy management plan should include items that can be implemented in short order. These items may cause some level of disruption in operations, and they may not be fully cost effective, but in situations where significant load reductions must be rapidly achieved, they may be the only alternative to loss of service or severe economic penalties.Most facilities have the potential to reduce energy use between 25 and 50 percent through upgrades to existing energy-using systems, changes in the way existing systems are operated and improvements in maintenance practices. Some measures will require significant investments in new equipment. Others will require simple operational changes and attention to details. But the programs that will be most effective are those that examine all options and carefully lay out a plan for managing energy use. </p>]]></content:encoded> <wfw:commentRss>https://htswtms.info/blueprint-for-energy-cost-control,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>6 Tips On Preventing Identity Theft That You Need To Know</title> <link>https://htswtms.info/6-tips-on-preventing-identity-theft-that-you-need-to-know,html</link> <comments>https://htswtms.info/6-tips-on-preventing-identity-theft-that-you-need-to-know,html#comments</comments> <pubDate>Sat, 01 Apr 2023 06:56:32 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Identity Theft]]></category> <guid isPermaLink="false">http://htswtms.info/?p=63</guid> <description><![CDATA[Everyday more and more consumers are falling victim to identity theft. In fact, the mere act of identity theft is growing at an alarming rate as more and more people find themselves victim of this insidious crime. Millions of dollars … <a href="https://htswtms.info/6-tips-on-preventing-identity-theft-that-you-need-to-know,html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Everyday more and more consumers are falling victim to identity theft. In fact, the mere act of identity theft is growing at an alarming rate as more and more people find themselves victim of this insidious crime. Millions of dollars continues to be lost by consumers who are unaware that their personal and financial information has fallen into the wrong person’s hands. Fortunately there are some simple steps that you can take in order to help prevent identity theft from taking place. This article covers 6 tips on preventing identity theft.Identity Theft Prevention Tip #1 – Never, I repeat never give your social security number to anyone unless it is an absolute emergency or is truly required to perform some function. Instead only be willing to use the last four digits of your social security number as a means of verifying who you are. Many companies have now adapted this method as one means of verifying your identity.Identity Theft Prevention Tip #2 – Always make sure to check your end of month bills, especially your credit card bills in order to spot any charges that may not have been placed by yourself. Additionally make sure your bills actually arrive since many identity theft thieves are known to steal your mail in order to gain access to your personal information.Identity Theft Prevention Tip #3 – Routinely order your credit report from one or all of the big three credit reporting agencies in order to check it for any errors or accounts that may have been opened or originated due to identity theft fraud. If you find a discrepancy on your credit report notify the respective credit bureau immediately in order to fix the problem and ensure that it was not a result of someone attempting to hijack your identity.Identity Theft Prevention Tip #4 – Whenever you are asked to choose a password for any type of account or login make sure and take the extra step to formulate a password that will be difficult for an identity theft specialist to solve. Always avoid using easy to crack passwords that use your birthday or your spouse’s birthday as the password. These types of passwords are common and make easy target for thieves after your identity.Identity Theft Prevention Tip #5 – Try to avoid giving out any of your personal information over the phone, in person or online if at all possible. One of the simplest ways to avoid becoming a victim of identity theft is to keep your private information private. Failure to do so can make you an easier target for someone to hijack your identity.Identity Theft Prevention Tip #6 – Always make sure to shred any type of financial documents or paperwork that contains any of your personal information on it before throwing it away. This simple act, which can be done rather quickly and easily, will help to thwart any type of attempt on your identity by an identity theft thief. Don’t underestimate the power of safeguarding your personal information. It is your number one defense against preventing identity theft from happening to your or your loved ones.Identity theft is a terrible crime and major source of frustration for anyone to have to go through. Utilize these 6 tips on preventing identity theft to safeguard your own personal information. These simple but effective tips will help keep your information where it belongs, in the privacy of your own safe keeping. </p>]]></content:encoded> <wfw:commentRss>https://htswtms.info/6-tips-on-preventing-identity-theft-that-you-need-to-know,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Managing Risk in Financial Sector</title> <link>https://htswtms.info/managing-risk-in-financial-sector,html</link> <comments>https://htswtms.info/managing-risk-in-financial-sector,html#comments</comments> <pubDate>Fri, 31 Mar 2023 20:53:32 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Management]]></category> <guid isPermaLink="false">http://htswtms.info/?p=61</guid> <description><![CDATA[Risk Management is a hot topic in the financial sector especially in the light of the recent losses of some multinational corporations e.g. collapses of Britain’s Barings Bank, WorldCom and also due to the incident of 9/11. Rapid changes in … <a href="https://htswtms.info/managing-risk-in-financial-sector,html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Risk Management is a hot topic in the financial sector especially in the light of the recent losses of some multinational corporations e.g. collapses of Britain’s Barings Bank, WorldCom and also due to the incident of 9/11. Rapid changes in business condition, restructuring of organizations to cope with ever increasing competition, development of new products, emerging markets and increase in cross border transactions along with complexity of transactions has exposed Financial Institutions to new risks dimensions. Thus the concept of risk has captured a growing importance in modern financial society.By facilitating transactions and making credit and other financial products available, the financial sector is a crucial building block for private as well as public sector development. In its broadest definition, it includes everything from banks, stock exchanges, and insurers, to credit unions, microfinance institutions and moneylenders. As an efficient service provider, the financial sector simultaneously fulfils an important function in the overall economy. Various types of Financial Institutions actively working in Financial Sectors include Banks, DFIs, Micro Finance Banks, Leasing Companies, Modarabas, Assets Management Company, Mutual Funds, etc.Thus today’s operating environment demands systematic and more integrated risk management approach.Risk:Risk by default has tow components; uncertainty and exposure. If both are not present, there is no risk. Definition of Risk as per Guidelines on Risk Management issued by State Bank of Pakistan is, “Financial risk in a banking organization is possibility that the outcome of an action or event could bring up adverse impacts. Such outcomes could either result in a direct loss of earnings / capital or may result in imposition of constraints on bank’s ability to meet its business objectives. Such constraints pose a risk as these could hinder a bank’s ability to conduct its ongoing business or to take benefit of opportunities to enhance its business.”Types of Risks:Risks are usually defined by the adverse impact on profitability of several distinct sources of uncertainty. More or less all financial institutions have to manage the following faces of risks:1. Credit Risk2. Market Risk3. Liquidity Risk4. Operational Risk5. Country Risk6. Legal Risks7. Compliance Risk8. Reputational RiskBroadly speaking there are four risks as per Risk Management Guidelines which surround Financial Sector i.e. Credit Risk, Market Risk, Liquidity Risk and Operational Risk. These risk are elaborated here under:i. Credit RiskThis is the risk incurred in case of a counter-party default. It arises from lending activities, investing activities and from buying and selling financial assets on behalf of others. This risk is associated with financing transactions i.e.:a. Default in repayment by the borrower andb. Default in obliging the commitment by another Financial Institution in case of syndicated arrangements.It is the most critical risk in banking and one that must be managed carefully. It is also the risk that requires the most subjective judgment despite constant efforts to improve and quantify the credit decision process.ii. Market RiskMarket risk is defined as the volatility of income or market value due to fluctuations in underlying market factors such as currency, interest rates, or credit spreads. For commercial banks, the market risk of the stable liquidity investment portfolio arises from mismatches between the risk profile of the assets and their funding. This risk involves interest rate risk in all of its components: equity risk, exchange risk and commodity risk.iii. Liquidity RiskThe liquidity risk is defined as the risk of not being able to meet its commitments or not being able to unwind or offset a position by an organization in a timely fashion because it cannot liquidate assets at reasonable prices when required.iv. Operational RiskThis risk results from inadequacies in the conception, organization, or implementation of procedures for recording any events concerning bank’s operations in the accounting system/information systems.Need for Risk Management and Monitoring:There are a number of reasons as to why there is so much emphasis given to Risk Management in Financial Sector now a day. Some of them are listed below: -1. Present structure of joint stock companies, wherein owners are not the mangers, hence risks increase; therefore proper tools are required to achieve the desired results by covering the risks.2. The financial sector has come out of simple deposit and lending function.3. The world has become very complex so the financial transactions and instruments.4. Increase in the number of cross border transactions which caries its own risks.5. Emerging markets6. Terrorism RemittancesRisk monitoring in financial sector is very crucial and an inevitable part of risk management. Risk Monitoring is important in the financial sector due to the following reasons:1. Deals in others’ money2. Direct stake of deposit holder.3. Much riskier sector than trading and manufacturing.4. Previous / Recent problems faced by banks i.e. stuck portfolio that is credit risk.5. Bankruptcy of Barings Bank due to short selling / long position that is market risk.6. Operational risk does not has immediate impact, but important for continuity and progress of organization.7. Appetite of a financial institution to take risk is related with the capital base of the institute so it caries a huge risk of over exposure.Components of Risk Management Frame WorkRisk Management Frame Work has five components. First of all risk is Identified, then it is Assessed to classify, seek solution and management, after assessing quick Response and implementation of solution and the last phase is Monitoring of the risk management progress and Learning from this experience that such problem never occur again. Whole process is to be well Communicated during the entire process of risk management if it is to be managed efficiently.The International Organization for Standardization (ISO) has defined risk management as the identification, analysis, evaluation, treatment (control), monitoring, review and communication of risk. These activities can be applied in a systematic or ad hoc manner. The presumption is that systematic application of these activities will result in improved decision-making and, most likely, improved outcomes.Structure of Risk ManagementDepending upon the structure and operations of organization, financial risk management can be implemented in different ways. Risk management structure defines the different layers of an organization at which risk is identified and managed. Although there are different layers or level at which risk is managed but there are three layers which are common to all. i.e.Risk ManagementFor managing risk there are certain basic principles which are to be followed by every organization:1. Corporate level Policies2. Risk management strategy3. Well-defined policies and procedures by senior management4. Dissemination, implementation and compliance of policies and procedures5. Accountability of individuals heading various functions/ business lines6. Independent Risk review function7. Contingency plans8. Tools to monitor risksInstitutions can reduce some risks simply by researching them. A bank can reduce its credit risk by getting to know its borrowers. A brokerage firm can reduce market risk by being knowledgeable about the markets it operates in.Functionally, there are four aspects of financial risk management. Success depends uponA. A positive corporate culture,No one can manage risk if they are not prepared to take risk. While individual initiative is critical, it is the corporate culture which facilitates the process. A positive risk culture is one which promotes individual responsibility and is supportive of risk taking.B. Actively observed policies and proceduresUsed correctly, procedures are powerful tool of risk management. The purpose of policies and procedures is to empower people. They specify how people can accomplish what needs to be done. The success of policies and procedures depends critically upon a positive risk culture.C. Effective use of technologyThe primary role technology plays in risk management is risk assessment and communication. Technology is employed to quantify or otherwise summarize risks as they are being taken. It then communicates this information to decision makers, as appropriate.D. Independence or risk management professionalsTo get the desired outcome from risk management, risk managers must be independent of risk taking functions within the organization. Enron’s experience with risk management is instructive. The firm maintained a risk management function staffed with capable employees. Lines of reporting were reasonably independent in theory, but less so in practice.Internal ControlsPara one on first page of the ‘Guidelines on Internal Controls’ issued by SBP provides:”Internal Control refers to policies, plans and processes as affected by the Board of Directors and performed on continuous basis by the senior management and all levels of employees within the bank. These internal controls are used to provide reasonable assurance regarding the achievement of organizational objectives. The system of internal controls includes financial, operational and compliance controls.”The current official definition of internal control was developed by the Committee of Sponsoring Organization (COSO) of the Treadway Commission. In its influential report, Internal Control – Integrated Framework, the Commission defines internal control as follows:”Internal control is a process, effected by an entity’s Board of Directors, management and other personnel, designed to provide reasonable assurance regarding the achievement of objectives in the following categories: Effectiveness and efficiency of operations. Reliability of financial reporting. Compliance with applicable laws and regulations.This definition reflects certain fundamental concepts: Internal control is a process. It is a means to an end, not an end in itself. Internal control is effected by people. It is not policy manuals and forms, but people at every level of an organization. Internal control can be expected to provide only reasonable assurance, not absolute assurance, to an entity’s management and board.Internal control should assist and never impede management and staff from achieving their objectives. Control must be taken seriously. A well-designed system of internal control is worse than worthless unless it is complied with, since the assemblance of control will be likely to convey a false sense of assurance. Controls are there to be kept, not avoided. For instance, exception reports should be followed up. Senior management should set a good example about control compliance. For instance, physical access restrictions to secure areas should be observed equally by senior management as by junior personnel.Components of Internal ControlsComponents of internal control also depend upon the structure of the business unit and nature of its operation. The COSO Report describes the internal control process as consisting of five interrelated components that are derived from and integrated with the management process. The components are interrelated, which means that each component affects and is affected by the other four. These five components, which are the necessary foundation for an effective internal control system, include:I. Control Environment,Control environment, an intangible factor and the first of the five components, is the foundation for all other components of internal control, providing discipline and structure and encompassing both technical competence and ethical commitment.II. Risk Assessments,Organizations exist to achieve some purpose or goal. Goals, because they tend to be broad, are usually divided into specific targets known as objectives. A risk is anything that endangers the achievement of an objective. Risk assessments is done to determine the relative potential for loss in programs and functions and to design the most cost-effective and productive internal controls.III. Control Activities,Control activities mean the structure, policies, and procedures, which an organization establishes so that identified risks do not prevent the organization from reaching its objectives.<br />Policies, procedures, and other items like job descriptions, organizational charts and supervisory standards, do not, of course, exist only for internal control purposes. These activities are basic management practices.IV. Information and Communication, andOrganizations must be able to obtain reliable information to determine their risks and communicate policies and other information to those who need it. Information and communication, the fourth component of internal control, articulates this factor.V. MonitoringLife is change; internal controls are no exception. Satisfactory internal controls can become obsolete through changes in external circumstances. Therefore, after risks are identified, policies and procedures put into place, and information on control activities communicated to staff, superiors must then implement the fifth component of internal control, monitoring.Even the best internal control plan will be unsuccessful if it is not followed. Monitoring allows the management to identify whether controls are being followed before problems occur. In the same way, management must review weaknesses identified by audits to determine whether related internal controls need revision.Tools for Monitoring of RiskManagement Information SystemM.I.S or Management Information System is the collection and analysis of data in order to support management’s decision with respect to the achievement of objectives mentioned in the policies and procedures and the control of various risks therein.It is this area i.e. M.I.S, where I.T can play a vital and effective role as with the help of I.T large information may be analyzed efficiently and with accuracy, so that effective decision may be taken by the management without the loss of any time.Asset-Liability Management Committee (ALCO)In most cases, day-to-day risk assessment and management is assigned to a specialized committee, such as an Asset-Liability Management Committee (ALCO). Duties pertaining to key elements of the risk management process should be adequately separated to avoid potential conflicts of interest – in other words, a financial institution’s risk monitoring and control functions should be sufficiently independent from its risk-taking functions. Larger or more complex institutions often have a designated, independent unit responsible for the design and administration of balance sheet management, including interest rate risk. Given today’s widespread innovation in banking and the dynamics of markets, banks should identify any risks inherent in a new product or service before it is introduced, and ensure that these risks are promptly considered in the assessment and management process.Corporate Governance PrinciplesCorporate governance relates to the manner in which the business of the organization is governed, including setting corporate objectives and a institution’s risk profile, aligning corporate activities and behaviors with the expectation that the management will operate in a safe and sound manner, running day-to-day operations within an established risk profile, while protecting the interests of depositors and other stakeholders. It is defined by a set of relationships between the institution’s management, its board, its shareholders, and other stakeholders.The key elements of sound corporate governance in a bank include:a) A well-articulated corporate strategy against which the overall success and the contribution of individuals can be measured.b) Setting and enforcing clear assignment of responsibilities, decision-making authority and accountabilities that are appropriate for the bank’s risk profile.c) A strong financial risk management function (independent of business lines), adequate internal control systems (including internal and external audit functions), and functional process design with the necessary checks and balances.d) Corporate values, codes of conduct and other standards of appropriate behavior, and effective systems used to ensure compliance. This includes special monitoring of a bank’s risk exposures where conflicts of interest are expected to appear (e.g., relationships with affiliated parties).e) Financial and managerial incentives to act in an appropriate manner offered to the board, management and employees, including compensation, promotion and penalties. (i.e., compensation should be consistent with the bank’s objectives, performance, and ethical values).f) Transparency and appropriate information flows internally and to the public.Tools mentioned above can be utilized in identifying and managing different risks in the following manner:I. Credit RiskIt is managed by setting prudent limits for exposures to individual transaction, counterparties and portfolios. Credits limits are set by reference to credit rating established by Credit Rating Agencies, methodologies established by Regulators and as per Board’s direction.o Monitoring of per party exposureo Monitoring of group exposureo Monitoring of bank’s exposure in contingent liabilitieso Bank’s exposure in clean facilitieso Analysis of bank’s exposure product wiseo Analysis of concentration of bank’s exposure in various segments of economyo Product profitability reportsII. MarketFinancial Institutions should also have an adequate system of internal controls to oversee the interest rate risk management process. A fundamental component of such a system is a regular, independent review and evaluation to ensure the system’s effectiveness and, when appropriate, to recommend revisions or enhancements.Interest rate risk should be monitored on a consolidated basis, including the exposure of subsidiaries. The institution’s board of directors has ultimate responsibility for the management of interest rate risk. The board approves the business strategies that determine the degree of exposure to risk and provides guidance on the level of interest rate risk that is acceptable to the institution, on the policies that limit risk exposure, and on the procedures, lines of authority, and accountability related to risk management. The board also should systematically review risk, in such a way as to fully understand the level of risk exposure and to assess the performance of management in monitoring and controlling risks in compliance with board policies. Reports to senior management should provide aggregate information and a sufficient level of supporting detail to facilitate a meaningful evaluation of the level of risk, the sensitivity of the bank to changing market conditions, and other relevant factors.The Asset and Liability Committee (ALCO) plays a key role in the oversight and coordinated management of market risk. ALCOs meet monthly. Investment mandates and risk limits are reviewed on a regular basis, usually annually to ensure that they remain valid.Risk Management and Risk BudgetsA risk budget establishes the tolerance of the board or its delegates to income or capital loss due to market risk over a given horizon, typically one year because of the accounting cycle. (Institutions that are not sensitive to annual income requirements may have a longer horizon, which would also allow for a greater degree of freedom in portfolio management.). Once an annual risk budget has been established, a system of risk limits needs to be put in place to guard against actual or potential losses exceeding the risk budget. There are two types of risk limits, and both are necessary to constrain losses to within the prescribed level (the risk budget).The first type is stop-loss limits, which control cumulative losses from the mark-to-market of existing positions relative to the benchmark. The second is position limits, which control potential losses that could arise from future adverse changes in market prices. Stop-loss limits are set relative to the overall risk budget. The allocation of the risk budget to different types of risk is as much an art as it is a science, and the methodology used will depend on the set-up of the individual investment process. Some of the questions that affect the risk allocation include the following:* What are the significant market risks of the portfolio?* What is the correlation among these risks?* How many risk takers are there?* How is the risk expected to be used over the course of a year?Compliance with stop-loss limits requires frequent, if not daily, performance measurement. Performance is the total return of the portfolio less the total return of the benchmark. The measurement of performance is a critical statistic for monitoring the usage of the risk budget and compliance with stop-loss limits. Position limits also are set relative to the overall risk budget, and are subject to the same considerations discussed above. The function of position limits, however, is to constrain potential losses from future adverse changes in prices or yields.III. Liquidity RiskThe Basel Committee has established certain quantitative standards for internal models when they are used in the capital adequacy context.a. Allocation of capital into various types of business after taking into account the operational risks i.e. disruption of business activity, which has especially increased due to excessive EDP usageb. Allocation of the capital is also made amongst various products i.e. long term, short term, consumer, corporate etc. considering the risks involved in each product and its life cycle to avoid any liquidity crunch for which gap analysis is made. This is the job of ALCOc. For instance Contingent liabilities not more than 10 times of capital,d. Fund based not more than 6 times of capitale. Capital market operations not more than 1 time of capitalf. However these limits cannot exceed the regulations.g. Parameters of controlso Regulatory Requirementso Board’s directionso Prudent practicesFor liquidity management organizations are compelled to hold reserves for unexpected liquidity demands. The ALCO has responsibility for setting and monitoring liquidity risk limits. These limits are set by Regulatory Bodies and under Board’s directions keeping in mind the market condition and past experience.The Basel Accord comprises a definition of regulatory capital, measures of risk exposure, and rules specifying the level of capital to be maintained in relation to these risks. It introduced a de facto capital adequacy standard, based on the risk-weighted composition of a bank’s assets and off-balance-sheet exposures that ensures that an adequate amount of capital and reserves is maintained to safeguard solvency. The 1988 Basel Accord primarily addressed banking in the sense of deposit taking and lending (commercial banking under US law), so its focus was credit risk.In the early 1990s, the Basel Committee decided to update the 1988 accord to include bank capital requirements for market risk. This would have implications for non-bank securities firms.Thus, the formula for determining capital adequacy can be illustrated as follows:= Tier I + Tier 2 + Tier 3 *- 8% .Risk-weighted Assets + (Market Risk Capital Charge x 12.5)IV. Operational RiskTo manage this risk documented policies and procedures are established. In addition, regular training is provided to ensure that staffs are well aware of organization’s objective, statutory requirements.o Reporting of major/ unusual/ exceptional transactions with respect to ensuring the compliance of the principles of KYC and Anti-money laundering measureo Analysis of system problems </p>]]></content:encoded> <wfw:commentRss>https://htswtms.info/managing-risk-in-financial-sector,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Benefits Of Spas And Different Kinds Of Spas</title> <link>https://htswtms.info/the-benefits-of-spas-and-different-kinds-of-spas,html</link> <comments>https://htswtms.info/the-benefits-of-spas-and-different-kinds-of-spas,html#comments</comments> <pubDate>Fri, 31 Mar 2023 18:29:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Spa and Wellness]]></category> <guid isPermaLink="false">http://htswtms.info/?p=59</guid> <description><![CDATA[We all know that going for a day to the spa is good for not only your lifestyle but also your health. It did used to be an event only for women but nowadays more and more men are attending … <a href="https://htswtms.info/the-benefits-of-spas-and-different-kinds-of-spas,html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> We all know that going for a day to the spa is good for not only your lifestyle but also your health. It did used to be an event only for women but nowadays more and more men are attending spa events and clubs.There is a variety of different spas which you can visit such as:Health Spas – These sort of spas are places you go to get the ultimate relaxation, you can get a massage and facial, you will also be able to take advantage of all the offered activities such as swimming, saunas and jacuzzi’sHotel Spas – These are the same as the above the only difference would be it may come in with your all inclusive package where you would get unlimited treatment, drinks and food.Pamper Spa – A Pamper spar is simply that, its where you go to get pampered, you will be able to pig out on chocolate and get full Aromatherapy Massages plus much more.Wellness Spa – A wellness spa consists of professionals teaching you how to have a better and healthier lifestyle, they will teach you how to control your mind and body with techniques such as yoga, they will also advice on how to avoid diseases and illnessesMedical Spa – This is somewhere you would go when you have had an accident or injury, most places usually have professional doctors and nurses that can perform treatments such as acupuncture, chiropody and more.Rehab Spas – Rehab spas are a great place to go to help you with things such as stress and addictions. With high professional nurses treating you, you are bound to get better within no timeStay spa – In my opinion I feel a stay spa is the best out of them all simply because of the fact that no matter how long you are due to stay, you will always be pampered for the duration, put your feet up and do not worry about the stresses and strains of the world just sit back and relax while you take a trip to heaven.Day Spa – Get all your treatment on your day off, you can spoil yourself get pampered and then head back home feeling refreshed and nourished.Whichever spa you decide to go too you are bound to relax and unwind from the stresses that everyday life can bring, if you’d like to experience relaxation everyday you can always go and buy your own hot tubs, steam room or swimming pool to help you relax after a hard day at work. </p>]]></content:encoded> <wfw:commentRss>https://htswtms.info/the-benefits-of-spas-and-different-kinds-of-spas,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Understanding the Mind-Body & Spirit Connection</title> <link>https://htswtms.info/understanding-the-mind-body-spirit-connection,html</link> <comments>https://htswtms.info/understanding-the-mind-body-spirit-connection,html#comments</comments> <pubDate>Fri, 31 Mar 2023 16:49:37 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Mind Body Spirit]]></category> <guid isPermaLink="false">http://htswtms.info/?p=57</guid> <description><![CDATA[I remember many years ago hearing Alan Alda speak at a medical school graduation. He told the young doctors that it was imperative for them to remember something that he was sure they hadn’t learned in anatomy and physiology: “— … <a href="https://htswtms.info/understanding-the-mind-body-spirit-connection,html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> I remember many years ago hearing Alan Alda speak at a medical school graduation. He told the young doctors that it was imperative for them to remember something that he was sure they hadn’t learned in anatomy and physiology: “— the head and the heart are connected and you must all do your best to never break that bond—”. How many times in our lives do WE, ourselves, forget that our heads, hearts — and spirits are connected? How many times do we ignore the messages that our bodies send to us letting us know that there is a problem, a difficulty, a stress, a dis-ease? Our bodies communicate with us regularly; they let us know when we’re hungry, tired, confused, angry, upset (either over something that we ate, or something that has occurred, etc.) This COMMUNICATION is imperative! Do you stop and pay attention? Do you stop whatever it is you’re doing and acknowledge and respect the message that your body is communicating? How often do you tell yourself when those hunger pangs hit that you can wait, or that you shouldn’t eat anyway?How often do you tell yourself that the stress at work that gives you a severe headache, doesn’t matter; that you just have to “suffer” and “deal with it” just to get through the day? Do you ignore or minimize those back aches and sense of fatigue by saying that everyone is stressed and it will pass if you can just make it through till the weekend or until your next vacation? These are all ways in which you disrespect yourself by breaking the bond between your body and mind. These messages of denial are not enhancing to your overall self-esteem and are definitely dangerous to your well being. I am not saying that the minute a hunger pang hits, you should stop what you are doing; or the minute you feel stress at work you should quit your job. I am saying, however, that these messages have to be acknowledged, addressed and respected. They have to be dealt with, NOT ignored! STOP! BREATHE! FOCUS! How do you want to handle these messages. Remind yourself that you are receiving these messages for a reason. Make a conscious decision as to what you do, not an automatic one.What do you do in order to relax and unwind so that you can reconnect to your inner worth—to the part of you that knows “who I am is enough, and I deserve to be treated as such”— to the part of you that is connected to something more than your day-to-day existence. This is a connection to your spirituality. Spirituality is NOT about religion or any one god. Spirituality is defined as the way people find meaning, hope, comfort, connection, inner peace, strength, love and other positive intangibles in their lives. Some people find it in their religious beliefs, others through music, art, nature, values and principles, exercise, walking, meditation, etc. There are a multitude of choices when it comes to anyone’s spiritual connection. No one can tell you what your spiritual connection “should” be. Only you can decide what works for you. Without an awareness of, or connection to what grounds you or centers you, you are at greater risk of imbalances in your mind and body.Most people do not realize that many imbalances in their physical bodies start from outside their bodies. These imbalances may be from stressors in our environment, constant negative debilitating thoughts or anxiety As individuals we must learn how to treat ourselves with the love, respect and compassion that we deserve and need. Unfortunately, way too many people stop doing the very centering and loving things they need when these stresses hit. Too many people have been taught to “power on” through any obstacle and ignore their feelings and emotions. This is only one way people learn to live “unconsciously”. They learn to block out any feelings they may have so that they don’t have to stop and deal with them. There is an inherent fear that if they stop to ponder, deal with or explore their feelings then they’ll become overwhelmed and fall behind, or be seen as weak, or perhaps come to a realization which they are not yet ready to handle. Learning to take care of yourself prior to any problem really erupting seems alien to many people. Have you been taught to put “band-aids” on problems rather than prevent them or seek out the root causes? Do you avoid taking care of yourself.It takes time, energy, and patience to pay attention to ourselves: to our needs, our thoughts, and our feelings. Are you willing to take that time, energy and patience, and give yourself the love, respect and compassion that you deserve BEFORE you are physically ailing, or will you wait until you have no choice?I offer you the following 5 reminders that you can choose to incorporate into your life, to enhance your awareness and increase your connectedness to your total being:TOP 5 OPTIONS TO CONSIDER IN ENHANCING YOUR AWARENESS AND CONNECTEDNESS TO YOUR MIND BODY AND SPIRIT1. BREATHING: Once every hour, STOP! BREATHE! FOCUS! Breathe in for the count of 4, hold for the count of 4 and exhale slowly for the count of 4, wait to the count of 4 and start again. (do this for 60 seconds) This is called square breathing. Slow, deep breathing brings clarity, calmness, centering to our bodies and minds. Every hour, just 1 minute of breathing can make a huge difference in your attitude, your perspective and your day.2. STRETCHING: enables you to: release physical tension, release toxins, correct your physical positioning, get your blood flowing, and oxygenate your muscles.3. MINDFULNESS: Be aware of your feelings, your reactions, needs, etc….Always ask “What is My desired outcome?” Please remember that, in any situation, a desired outcome MUST be something over which you have control.4. DIET/FOODS YOU EAT: Notice how you feel in response to foods; honestly and without judgments. What are your comfort foods, and what are you really looking for? Pay attention to your body’s responses to your choices.5. SUPPORT SYSTEM: Who or what is in your support system? Who do you talk to? Are you willing to reach out to them… friends, doctor, therapist, clergy, family member, etc. Ask for what you want and then take a deep breath and ACCEPT the help, guidance and assistance that is offered. This is a hard one for most people…because it means you’re allowing yourself to be vulnerable. (this is yet another topic for another day) </p>]]></content:encoded> <wfw:commentRss>https://htswtms.info/understanding-the-mind-body-spirit-connection,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Book Flight and Hotel Together and Save Money With These Guidelines</title> <link>https://htswtms.info/book-flight-and-hotel-together-and-save-money-with-these-guidelines,html</link> <comments>https://htswtms.info/book-flight-and-hotel-together-and-save-money-with-these-guidelines,html#comments</comments> <pubDate>Thu, 02 Feb 2023 05:32:32 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://htswtms.info/?p=54</guid> <description><![CDATA[There are places to go, landmarks to see, and unique cuisines to experience; but in order to get there, you must first use internet travel discount tools to help you book flight and hotel.You can’t just find cheap travel deals … <a href="https://htswtms.info/book-flight-and-hotel-together-and-save-money-with-these-guidelines,html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> There are places to go, landmarks to see, and unique cuisines to experience; but in order to get there, you must first use internet travel discount tools to help you book flight and hotel.You can’t just find cheap travel deals with a regular search engine. You must make use of the search tools offered by leading travel sites so that you can instantly see all of the available flights and hotel rooms on specific dates, and compare the results.How does a flight to Orlando and a night’s stay at a nice resort sound? Or a flight to Las Vegas and a weekend’s stay at a casino? These are only examples of what you might find if you search for airfare and hotel packages. These kinds of offers require that you stay at the destination for a specific number of nights, which could be one to seven nights, depending on the offer.If your travel plans are flexible, it will be easier to find a cheap package. Your local airport may or may not be offering cheap rates to the city you want to fly to. If you don’t mind waiting awhile for a deal to pop up, or have an alternative destination in mind, you will increase your chances of saving money on your trip.Whenever travelers book flight and hotel online, there is usually an option to include a car rental in the reservation. Determine whether or not it would be cheaper to rent a car with the hotel room and airfare, or if you should book it separately.Deadlines to Watch For When You Book a Flight and HotelThere is usually a deadline displayed for each deal so that you’ll know for how long it will be available. Some sites even allow you to “save” the offers if you are unsure which one you want to book so that you can go back and compare them all later.If you already have a particular hotel in mind, you can add it to your “Favorites” and check back with it later to see if there is an “Airfare included in price” notification with it. Or, you could check with the airlines themselves to see which hotels and inns they are currently partnered with, and if there are currently any package deals available in your ideal destination(s).It isn’t always the best idea to book flight and hotel together, depending on the destination and time of year. You might very well find that it would be cheaper to book them separately for your itinerary.Online vacation deals are where you should begin your search. You can either browse all of the current offers or use the search tools if you have something specific in mind. It’s very easy – and cheap – to book flight and hotel online. </p>]]></content:encoded> <wfw:commentRss>https://htswtms.info/book-flight-and-hotel-together-and-save-money-with-these-guidelines,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>All You Need To Understand About Payday Loans</title> <link>https://htswtms.info/all-you-need-to-understand-about-payday-loans,html</link> <comments>https://htswtms.info/all-you-need-to-understand-about-payday-loans,html#comments</comments> <pubDate>Wed, 01 Feb 2023 18:54:05 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://htswtms.info/?p=52</guid> <description><![CDATA[A payday loan indeed has many names. Some call it a cash advance loan. A few think of it as a check advance loan. One another name is often a post-dated check loan. A few others call it a deferred-deposit … <a href="https://htswtms.info/all-you-need-to-understand-about-payday-loans,html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> A payday loan indeed has many names. Some call it a cash advance loan. A few think of it as a check advance loan. One another name is often a post-dated check loan. A few others call it a deferred-deposit check loan. The Federal Trade Commission in the U.S. calls it “costly cash”. Regardless of what you call it, it is really the same thing: a smallish (generally $50 to $500) short-term loan having considerable interest rate.Why would you obtain a payday loan?Payday loans are preferred for many reasons. To those who are actually in the position of requiring one, its benefits outnumber the disadvantages. And there really are shortcomings; nevertheless we will analyze those aspects subsequently.To start with, place yourself in the shoes of the individual who requires some quick money. Perhaps you have just been placed in the unenviable situation of suddenly requiring some cash and being taken by surprise. You might have had a totally unexpected health care bill or perhaps automobile repair bill, or you may really need to take a trip unexpectedly, like in the case of demise in the family. Some people who want swift funds utilize it to fork out their every day expenditures, such as rent, groceries, utilities, and so on… Whatever the reason will be, you desperately require that money and you simply do not now have it.Is really a payday loan your last option? Do you have other different solutions you could check out first? Well, what are often the merits of payday loans? Let us find out:1. You would not really have to undergo the hassle of a credit check.2. You will be able to fill out an application in person, on the phone or on the internet.3. The procedure normally takes under 20 minutes.4. The loan proceeds are conveniently deposited into your bank account in less than a day.5. It is very affordable, at least to start with – you really do not have any up-front expenses.6. It is very discreet – nobody else is involved in the process.7. It is secure – your financial details are not discussed with others.Alright, that makes sense. These are adequate reasons to get rid of the stress of remaining short of money. It is really a “quick fix”. You will be able to cover the shortage, and move on with your life. And you will be able to repay the next payday, correct? So you have settled your situation.Just where would you be able to get a payday loan?Payday loan firms are pretty much all over the place. There are over 10,000 payday loan outlets in operation in the U.S. And they are spread out in identical fashion all over the globe. If there is not a payday loan outlet near you, you can search the internet and uncover plenty of online payday loans out there.These providers are in business to “help” people in dire financial need. They give these kinds of loans to individuals that cannot obtain the money they need at any other place. Let us now profile one firm who furnishes payday loans as part of their basically financial services business – Money Mart.Money Mart was basically promoted as an alternate to banks. Their hours would extend past banking hours, and they would situate themselves in lot more accessible locations than banks. They can cash checks even when banks were closed, and people would not really have to travel very far for their services. They should have been on the correct course since today, they have 1,700 locations in Canada, the U.S. and the U.K.A common Money Mart customer actually is an average working individual, 32 years old (82% of clientele are less than 45 years) and currently employed, having an annual earnings of approximately the national average. These clients go to Money Mart because of their fast service, their easy venues, and their prolonged functioning hours. The entrepreneurs of Money Mart had been right – their primary ideas nonetheless hold true these days.Ever since including payday cash advances to their monetary services, they have carved themselves a very nice niche in the market. But they are certainly not the sole choice. You can today find a minimum of one, and typically several, payday loan facilities in almost every community.Why precisely would you choose not to obtain a payday loan?Now that we have researched the convenience of payday loans, let us now have a fair take a look at the disadvantages. All over the United States of America, governments on virtually every level are looking at payday loan channels with mounting worry. Plenty of individuals feel that they make the most of low-income people in financial difficulties. Some go as far as to express they “prey” on them. Their argument to that is that they are filling up a requirement and they are not carrying out anything illegal. So the debate goes on – let us examine why.Do you remember when you believed you had sorted out your difficulty and you could move on with your routines? Well, what if perhaps your following paycheck, after your planned expenses, was not good enough to pay off the obligation?If perhaps you came up short once again, you need not be troubled – payday loans are extendable, or renewable. This procedure is termed “rollover” and, when you do the same far too many times, it can end up costing you a whole lot of money. Let us study an illustration: Say that you borrowed $100 for 2 weeks (till your following payday). You give a check to the loan provider for $115 (including your $15 fee). The annual percentage rate of that loan is actually 391%! If perhaps you cannot pay off the $115 at the due date, you can rollover the loan for another couple of weeks. If perhaps you rollover the loan 3 times, the lending fee will reach $60 for a $100 loan. That is quite substantial interest, do not you suppose?These are details you need to give consideration to when you are deciding if a cash advance payday loan is the ideal solution in your particular circumstance. For sure, the loan cost is substantial, yet it gives you the funds you require, whenever you need it, thus avoiding a whole lot of tension and trouble. It is really pretty true in consumerism nowadays that convenience will cost you money. Nevertheless is it worth that much? That is a question you will really have to answer for on your own.Payday loans tend to be controversial – however they do fill a necessityAt this point we have evidently presented both sides of the discussion – and it is really a big debate in recent times. Hence which party will you go with? That depends upon your current situation. In case you truly simply have to have it, and you do not really possess some other choice, then a payday loan is probably the prudent thing for you. At the very least you will be in a position to keep your peace of mind, even when it does cost you some money.When you end up in this scenario, use it as a chance to learn. Keep in mind, there are hardly any mistakes – simply lessons. When it is essential to get hold of a payday loan, ensure that you do not really roll it over a lot of times – that is really when it will become a trouble. Also in the interim, try to create a crisis fund so you would be able to cover those unforeseen expenditures. Become a good financial manager. Then you would possess an alternative, and also you would not have to depend on a payday loan as being “your last resort”. </p>]]></content:encoded> <wfw:commentRss>https://htswtms.info/all-you-need-to-understand-about-payday-loans,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Butterfly Habitat Rain Gardens Are Combinations for Learning and Global Improvement</title> <link>https://htswtms.info/butterfly-habitat-rain-gardens-are-combinations-for-learning-and-global-improvement,html</link> <comments>https://htswtms.info/butterfly-habitat-rain-gardens-are-combinations-for-learning-and-global-improvement,html#comments</comments> <pubDate>Wed, 01 Feb 2023 15:17:37 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://htswtms.info/?p=50</guid> <description><![CDATA[In the age of social media and keywords turned catch phrase, those of us who garden and those who hope to garden and those who are only mildly garden curious to hear or read about a lot of gardens. There … <a href="https://htswtms.info/butterfly-habitat-rain-gardens-are-combinations-for-learning-and-global-improvement,html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> In the age of social media and keywords turned catch phrase, those of us who garden and those who hope to garden and those who are only mildly garden curious to hear or read about a lot of gardens. There are Zen gardens, tranquility gardens, lasagna gardens, pizza gardens, native habitat gardens, memory gardens, rain gardens, and butterfly gardens, just to name a few. In any given region and climate, though, there is tremendous possibility for combining the roles of more than one garden. Three of the easiest gardens to combine are butterfly, habitat, and rain gardens. And making such a combination is easy enough that kids quite often do it by nature as they love to choose bold blooms, bright colors, interesting textures, and plants representing history and culture.The purpose of each of these gardens might seem obvious enough from the name, but understanding the role each plays in your community, state, even the world provides a context for both children and adults. Using the opportunity to educate through gardens, every green enthusiast stands to make global improvements. Let’s call it the Butterfly Garden Effect that every positive motion, even the tiniest swoop of a fluttering wing, contributes to the evolution of a better world for all of us, from the most sentient creatures on the planet to the tiniest contributors.The Role of Butterfly GardensButterfly gardens contribute three very basic benefits:*support for local and migrating butterflies*beautification for communities*attraction for a broad range of pollinators and other wildlifeWherever butterflies flutter by, expect to find a wide range of other pollinators, beneficial insects, and birds. It’s the circle of life, as they say, that makes butterfly gardens so crucial to ecosystems. Attracted to color, flavor, fragrance, and texture in your garden, butterflies flit from bloom to bloom, pollinating your garden as they do. Vivid and eye-catching they, in turn, attract a wide variety of prey that belong in your garden, too. Every garden that attracts butterflies benefits from their careful grooming of blooms and the role they play in attracting others who tend, pollinate, fertilize, and de-bug the garden.The Role of Habitat GardensBy nature of the fact that they attract a wide variety of wildlife, butterfly gardens easily double as habitat gardens whenever shrubs and/or trees are incorporated into the design. Essentially, habitat gardens are homes for various insects and animals. Habitat gardens provide:*shelter*food*water*protection*solaceto various creatures, including humans who cultivate them as places of rest and tranquility.The Role of Rain GardensTrue to name, rain gardens take advantage of storm runoff to irrigate gardens, but there is a lot more going on beneath the surface. Designed to take advantage of rainwater runoff, rain gardens also:* direct water to low spots*slow water to negate the possibility of erosion*percolate runoff to promote filtering/cleaning of polluted water*assist in drainage to minimize standing water zones*guide filtered water to bodies such as streams, creeks, rivers, lakes and ponds, and even seas and oceansTo ensure the success and longevity of such your rain garden, incorporate native and noninvasive plants that are up to the task of handling the microclimate forming there. Rain gardens present two main extremes in irrigation: deep wet and extreme dry, from time to time. Native plants that are tolerant of both wet and dry conditions are your best bet. Choosing plants of various root structures, too, will help the garden to do its best filtration work, too. Among the underground portions that help filter minerals, debris, particulate matter, and pollutants are:* shallow, webby roots that filter tiniest particles* bulbs, rhizomes, and cormers (combinations) that hinder larger matter passage* deep, even tap, roots, that channel runoff to deeper soils and layersCombining Roles for Your Own Butterfly Habitat Rain GardenCultivating a garden that achieves all three purposes is as easy as selecting plants that serve the purpose of each garden style whenever possible. Native plants that provide blooms for adult butterflies and/or act as hosts for their caterpillar offspring may be blended with shrubs and trees that provide shelter for the other wildlife who will come to admire and consume the butterflies. In many cases, shrubs and trees may act as nectar suppliers and/or hosts for butterfly populations as well. Among the native shrubs and trees you might choose for your butterfly habitat rain garden are:* spicebush shrubs* butterfly bushes* chokeberry* serviceberry bushes* redbud treesEach of these shrub and trees offers much to any garden as they are fragrant, beautiful, and excellent hosts for a variety of animals and bugs. Use these as focal points or boundaries to control entry and exit from your garden.Layering these core contributors with a wide variety of blooming plants and attractive sedges/grasses will create a zone of comfort and peace for insects, animals, and humans alike. So long as the plants you choose are tolerant of the water sure to come through your garden and the dry conditions that occur once runoff has been directed away, the plant combinations are endless.Meanwhile, every time children are included in the choices you make for your home or school garden, new ideas percolate to grow for amazing results. </p>]]></content:encoded> <wfw:commentRss>https://htswtms.info/butterfly-habitat-rain-gardens-are-combinations-for-learning-and-global-improvement,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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