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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>hwmantqms.info</title> <atom:link href="http://hwmantqms.info/feed" rel="self" type="application/rss+xml" /> <link>https://hwmantqms.info</link> <description></description> <lastBuildDate>Thu, 13 Mar 2025 14:01:23 +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>The Best Travel Credit Cards for Luxury Travelers: The Platinum Card® from American Express</title> <link>https://hwmantqms.info/the-best-travel-credit-cards-for-luxury-travelers-the-platinum-card%c2%ae-from-american-express.html</link> <comments>https://hwmantqms.info/the-best-travel-credit-cards-for-luxury-travelers-the-platinum-card%c2%ae-from-american-express.html#comments</comments> <pubDate>Thu, 13 Mar 2025 14:01:23 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[airport lounges]]></category> <category><![CDATA[American Express Platinum]]></category> <category><![CDATA[concierge service]]></category> <category><![CDATA[elite travel card]]></category> <category><![CDATA[exclusive travel perks.]]></category> <category><![CDATA[hotel benefits]]></category> <category><![CDATA[luxury travel]]></category> <category><![CDATA[travel rewards]]></category> <guid isPermaLink="false">http://hwmantqms.info/?p=59</guid> <description><![CDATA[For those who seek luxury in their travels, the Platinum Card® from American Express is one of the best options available. With unparalleled perks, elite benefits, and rewards for frequent travelers, this card is perfect for those who want to … <a href="https://hwmantqms.info/the-best-travel-credit-cards-for-luxury-travelers-the-platinum-card%c2%ae-from-american-express.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>For those who seek luxury in their travels, the Platinum Card® from American Express is one of the best options available. With unparalleled perks, elite benefits, and rewards for frequent travelers, this card is perfect for those who want to elevate their travel experience.</p><p>Body</p><p>5x Points on Flights<br />The Platinum Card® from American Express offers 5x points on flights booked directly with airlines or through amextravel.com. This makes it ideal for those who often fly and want to rack up points quickly.</p><p>Luxury Travel Perks<br />The card offers access to over 1,200 airport lounges worldwide, including Centurion Lounges, and provides a $200 airline fee credit each year. It also offers concierge services to help you plan your trips, from hotel bookings to event tickets.</p><p>Hotel Benefits<br />When booking through the Fine Hotels & Resorts program, you’ll receive exclusive benefits such as room upgrades, daily breakfast for two, early check-in, and late check-out. These perks enhance your stay at some of the world’s most luxurious hotels.</p><p>No Foreign Transaction Fees<br />International travelers will appreciate the lack of foreign transaction fees on purchases made abroad, making it easier to spend without worrying about additional costs.</p><p>Exclusive Memberships and Offers<br />The Platinum Card® also provides access to exclusive events, experiences, and promotions. These include private concerts, fashion shows, and more, making it a true luxury travel card.</p><p>Conclusion<br />The Platinum Card® from American Express is designed for luxury travelers who want the best in perks and rewards. With its high points earning potential, access to exclusive lounges, and premium travel benefits, it’s a top choice for those who travel in style.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://hwmantqms.info/the-best-travel-credit-cards-for-luxury-travelers-the-platinum-card%c2%ae-from-american-express.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How Bank of America Business Credit Cards Can Help Build Your Credit</title> <link>https://hwmantqms.info/how-bank-of-america-business-credit-cards-can-help-build-your-credit.html</link> <comments>https://hwmantqms.info/how-bank-of-america-business-credit-cards-can-help-build-your-credit.html#comments</comments> <pubDate>Thu, 13 Mar 2025 13:55:15 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Bank of America]]></category> <category><![CDATA[building business credit]]></category> <category><![CDATA[business credit]]></category> <category><![CDATA[business credit card]]></category> <category><![CDATA[credit card management]]></category> <category><![CDATA[credit history]]></category> <category><![CDATA[credit limit increase]]></category> <category><![CDATA[financial growth.]]></category> <guid isPermaLink="false">http://hwmantqms.info/?p=57</guid> <description><![CDATA[Establishing and maintaining good business credit is essential for growth and securing funding in the future. Using a Bank of America business credit card can help build your business credit while offering benefits such as rewards and expense management tools. … <a href="https://hwmantqms.info/how-bank-of-america-business-credit-cards-can-help-build-your-credit.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>Establishing and maintaining good business credit is essential for growth and securing funding in the future. Using a Bank of America business credit card can help build your business credit while offering benefits such as rewards and expense management tools. Here’s how a Bank of America business credit card can support your credit-building efforts.</p><p>Building Credit History<br />Every time you make a purchase and pay off your balance on time, it is reported to business credit bureaus. Using your Bank of America business credit card regularly and responsibly helps you build a solid business credit history.</p><p>Managing Debt Responsibly<br />Having a credit card allows you to separate your personal and business expenses, making it easier to manage and track your finances. As you pay off your balance on time, it shows creditors that your business can handle debt responsibly.</p><p>Establishing Business Credit<br />For newer businesses, having a business credit card is a great way to establish a credit profile. Using your Bank of America card to make regular purchases and paying it off can help you qualify for larger loans or lines of credit down the road.</p><p>Increasing Credit Limit<br />Once you establish a good payment history, Bank of America may offer to increase your credit limit. A higher limit improves your credit utilization ratio, which is a factor that impacts your business credit score.</p><p>Monitoring Your Credit<br />Bank of America offers tools to help you track your credit and spending. These tools can provide insights into how your credit is progressing and areas where you may need to improve.</p><p>Conclusion<br />Using a Bank of America business credit card is a smart way to build your business credit while enjoying the rewards and perks that come with it. By responsibly managing your card, you can help your business secure better financing options in the future.</p>]]></content:encoded> <wfw:commentRss>https://hwmantqms.info/how-bank-of-america-business-credit-cards-can-help-build-your-credit.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Importance of Email Security for Business Communication</title> <link>https://hwmantqms.info/the-importance-of-email-security-for-business-communication.html</link> <comments>https://hwmantqms.info/the-importance-of-email-security-for-business-communication.html#comments</comments> <pubDate>Thu, 13 Mar 2025 13:46:29 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[business cybersecurity.]]></category> <category><![CDATA[business email]]></category> <category><![CDATA[data breach prevention]]></category> <category><![CDATA[email protection]]></category> <category><![CDATA[email security]]></category> <category><![CDATA[phishing protection]]></category> <category><![CDATA[secure email services]]></category> <category><![CDATA[two-factor authentication]]></category> <guid isPermaLink="false">http://hwmantqms.info/?p=53</guid> <description><![CDATA[In today’s digital world, email security is more important than ever, especially for businesses. A single breach of your email system can compromise sensitive information and harm your company’s reputation. Let’s look at why email security is critical and how … <a href="https://hwmantqms.info/the-importance-of-email-security-for-business-communication.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>In today’s digital world, email security is more important than ever, especially for businesses. A single breach of your email system can compromise sensitive information and harm your company’s reputation. Let’s look at why email security is critical and how you can protect your business communications.</p><p>Prevent Data Breaches<br />Hackers are constantly looking for vulnerabilities to exploit. By using secure business email services that offer encryption and advanced protection features, you reduce the risk of data breaches and cyberattacks.</p><p>Protect Sensitive Information<br />Business emails often contain sensitive data, such as customer information, financial details, and proprietary information. Securing these communications helps prevent unauthorized access and keeps your business protected.</p><p>Reduce Phishing Risks<br />Phishing attacks, where attackers try to trick employees into revealing personal information, are on the rise. Email services with anti-phishing tools can help detect and prevent these attacks, adding an extra layer of security.</p><p>Enable Two-Factor Authentication (2FA)<br />Two-factor authentication is one of the most effective ways to protect your email accounts. By requiring an additional verification step, 2FA makes it significantly harder for hackers to access your accounts.</p><p>Regularly Update Security Measures<br />Security is an ongoing process. Regularly update your email service, change passwords, and educate your team about safe email practices to keep your email system secure over time.</p><p>Conclusion<br />Email security is essential to protect your business from cyber threats, safeguard sensitive information, and ensure smooth operations. By investing in secure email services and adopting best practices, you can keep your business communications safe.</p>]]></content:encoded> <wfw:commentRss>https://hwmantqms.info/the-importance-of-email-security-for-business-communication.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Simple Home Improvement Projects to Boost Your Home’s Value</title> <link>https://hwmantqms.info/simple-home-improvement-projects-to-boost-your-homes-value.html</link> <comments>https://hwmantqms.info/simple-home-improvement-projects-to-boost-your-homes-value.html#comments</comments> <pubDate>Thu, 13 Mar 2025 13:39:29 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[affordable home improvements]]></category> <category><![CDATA[bathroom renovations]]></category> <category><![CDATA[budget home upgrades]]></category> <category><![CDATA[curb appeal]]></category> <category><![CDATA[DIY home projects]]></category> <category><![CDATA[home decor tips]]></category> <category><![CDATA[home improvement]]></category> <category><![CDATA[home makeover.]]></category> <category><![CDATA[home renovations]]></category> <category><![CDATA[home value boost]]></category> <category><![CDATA[increase home value]]></category> <category><![CDATA[kitchen updates]]></category> <guid isPermaLink="false">http://hwmantqms.info/?p=51</guid> <description><![CDATA[Whether you’re planning to sell your home or simply want to make it a more enjoyable space, small home improvement projects can make a big difference. While major renovations can be costly and time-consuming, there are several affordable updates that … <a href="https://hwmantqms.info/simple-home-improvement-projects-to-boost-your-homes-value.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>Whether you’re planning to sell your home or simply want to make it a more enjoyable space, small home improvement projects can make a big difference. While major renovations can be costly and time-consuming, there are several affordable updates that can significantly boost the value of your home. Here are five simple home improvement projects that are sure to make your home stand out:</p><p>1. Freshen Up with a New Coat of Paint<br />One of the most cost-effective ways to improve the look of your home is by painting the walls. A fresh coat of paint not only brightens up rooms but also creates a clean, modern look. Opt for neutral tones like soft greys, whites, or beiges for a timeless appeal that will appeal to potential buyers. Don’t forget to paint your doors and trim as well—these small details can make a huge difference.</p><p>2. Upgrade Your Kitchen Backsplash<br />Kitchens are one of the most important areas when it comes to adding value to your home. A simple yet effective update is installing a new backsplash. Subway tiles are a popular choice because they are affordable, stylish, and easy to install. You can also experiment with different tile patterns or colors to create a unique look that suits your style. A beautiful backsplash can completely transform your kitchen without the need for a full remodel.</p><p>3. Enhance Curb Appeal with Landscaping<br />First impressions matter, and your home’s exterior is the first thing potential buyers see. Simple landscaping improvements, like planting colorful flowers, trimming bushes, and maintaining a lush lawn, can greatly enhance your home’s curb appeal. You can also consider adding a new mulch bed, building a small garden path, or installing outdoor lighting to create an inviting atmosphere.</p><p>4. Install New Light Fixtures<br />Updating outdated light fixtures can give your home a fresh, modern look. Consider replacing old ceiling fans, chandeliers, or pendant lights with more stylish, energy-efficient options. Statement lighting pieces in the dining room, entryway, or bathroom can create a focal point and enhance the overall ambiance. Plus, with the wide range of affordable options available, upgrading your light fixtures won’t break the bank.</p><p>5. Refresh Your Bathroom<br />You don’t need to gut your bathroom to give it a fresh look. Start by replacing old faucets, showerheads, and towel bars with more modern fixtures. You can also refresh the grout, add a new mirror, or install a stylish shower curtain to make the space feel more inviting. Small changes in the bathroom can make it look more updated and improve your home’s overall aesthetic.</p><p>Conclusion<br />Home improvement projects don’t have to be expensive or time-consuming to have a significant impact. By tackling these simple upgrades, you can enhance the value of your home and make it more comfortable for you and your family. Whether you choose to update the paint, install a new backsplash, or enhance your curb appeal, these projects will help you get the most out of your home.</p>]]></content:encoded> <wfw:commentRss>https://hwmantqms.info/simple-home-improvement-projects-to-boost-your-homes-value.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What Is The Focus of Worksite Wellness Today? – A Series – Health As A Concept (Think About This!)</title> <link>https://hwmantqms.info/what-is-the-focus-of-worksite-wellness-today-a-series-health-as-a-concept-think-about-this.html</link> <comments>https://hwmantqms.info/what-is-the-focus-of-worksite-wellness-today-a-series-health-as-a-concept-think-about-this.html#comments</comments> <pubDate>Fri, 24 Mar 2023 11:06:36 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://hwmantqms.info/?p=44</guid> <description><![CDATA[Health is certainly the focus of worksite wellness programs today. And you do want your program to have clarity of focus, right?A look at the definitions of health doesn’t really help us to establish what health really is. Beyond the … <a href="https://hwmantqms.info/what-is-the-focus-of-worksite-wellness-today-a-series-health-as-a-concept-think-about-this.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Health is certainly the focus of worksite wellness programs today. And you do want your program to have clarity of focus, right?A look at the definitions of health doesn’t really help us to establish what health really is. Beyond the definitions, there are two ways to view health:• The reductionist/mechanistic view• The health creation or production viewThe difference in these views can be seen in both the different definitions of health and how health as a concept is implemented or executed. These two different views see health as being either a personal choice, or as a social responsibility.Health, when viewed through the reductionist/mechanistic lens, is considered to be either personal or individually determined. This view is about a link between health and the body. The reductionist/mechanistic view is a medical view of health. Health is seen as being a medical problem with medical solutions delivered by medical care.In this view, health is medicalized. Medicalization is a process whereby non-medical problems and issues become defined and treated as medical problems, usually in terms of illnesses and disorders.The conceptualization of health in this view is having a healthy body. Health as a goal is achieved by deliberate and intentional action. Health maintenance involves will-power, self-control, self-discipline and self-denial. Health is achieved through body maintenance in accordance with physical standards.Worksite wellness programs today, with their focus on employee health status management, typically view health through the reductionist/mechanistic lens based on the medical model which focuses on organ related pathology within the individual. Health is viewed in medical and technical terms. This view fits right in with the individualistic and hard work core values of the American culture.The creating or producing view of health looks at health as being more than just about illness. This view considers the role of social, environmental, economics and behavior as determinants and moderators of health. In this view, health is more than about the individual and is seen in human social and cultural terms.When it comes to the creating or producing view of health, all the following matter:• How we are treated in society• How equitable society is• How clean the environment is• Living and working conditions• How much control individuals have over their work and personal livesIn this view, health is a social responsibility and the belief is that socioeconomic circumstances are more powerful in creating or producing health than medical care. As seen through this view, the main determinants of health are:• Factors unique to the individual• Individual behavior/lifestyle factors• Social and community networks• Material living and working conditions• General socioeconomic, cultural and environmental conditionsHow many of these determinants is your current program addressing?From a worksite wellness perspective, it is important to understand what causes ill-health and what is needed to create or produce good health. This understanding will help you determine a purpose for your program, along with making sure the programming and interventions are aligned with both the purpose and the organization’s culture.The workplace is the ideal venue to unite these two disparate views of health. Worksite wellness should address both individual responsibility, as well as the socioeconomic and cultural viewpoints through the creation and support of healthy organizations with their positive, supportive workplace environments, climates and culture.While recognizing and acknowledging conceptual differences, effectiveness and success in worksite wellness comes down to implementation, execution, programming, interventions and how the concepts of health are practiced in the workplace setting. </p>]]></content:encoded> <wfw:commentRss>https://hwmantqms.info/what-is-the-focus-of-worksite-wellness-today-a-series-health-as-a-concept-think-about-this.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Car Finance Places You On The Top Gear While Buying A Car</title> <link>https://hwmantqms.info/car-finance-places-you-on-the-top-gear-while-buying-a-car.html</link> <comments>https://hwmantqms.info/car-finance-places-you-on-the-top-gear-while-buying-a-car.html#comments</comments> <pubDate>Fri, 24 Mar 2023 09:33:24 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://hwmantqms.info/?p=42</guid> <description><![CDATA[Fast car on open roads. It is a perfect picture for any car enthusiast. But you have to go to your work and also drop your kids to school. This is the real picture for most of us. We need … <a href="https://hwmantqms.info/car-finance-places-you-on-the-top-gear-while-buying-a-car.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Fast car on open roads. It is a perfect picture for any car enthusiast. But you have to go to your work and also drop your kids to school. This is the real picture for most of us. We need to save time when we don’t have any. A typical individual has so many odd jobs to complete that a car can, without doubt, facilitate their accomplishment. Financing your car doesn’t fit your idea of the way of buying your car; then probably you are still stuck with traditional car buying methods. Shed your inhibitions with regard for car financing because it undoubtedly keeps in mind your financial caliber before furnishing you with a car finance loan.Car financing has taken a new spin with regard to providing investment for buying a car. So, how do you finance a car? If this question leaves you baffled, then you have to go a long way in the process of buying a car. The term ‘financing’ in relation to buying a car connotes either rendering loan to buy the car or lease the car to you. You are probably concentrating on the former meaning. Many people are in favour of talking car finance from dealership for it seems like a convenient option. It seems easy; you select a car, fill out a credit application, and drive away with your car – all in a day’s work. Car finance through dealership will give you car finance on weekends and even at nights when other banks and credit unions are closed.Seems convenient, isn’t it? But there is a catch. The dealer will be certainly charging you more for your car finance. Usually car buyers are overcharged by 3% on their car finance. A great number of complaints about car financing are related to dealers. 0% APR is not only attractive but lures the buyers to acquire up car finance not meditating if it is feasible for them. There are very few people who can actually get a 0% APR. Thus car finance deals usually fall midway thereby making car finance experience an extremely distressing one. You are buying a new car and probably for the first time, you certainly want it to compliment your enthusiasm. There are few elementary things that need to be kept in mind before taking that crucial primeval step in car buying.First and foremost in car buying and financing is checking your credit score before you apply for a car loan. Many people are unaware of the fact that they even have a credit score. You can expediently check your credit score online. So, if you have bad credit history then probably you will be paying more interest rate for your car finance. If your credit score drops below 550, then probably apply for new car finance is not such a good idea. First repair you credit score. Repairing credit score requires little effort, helps you repay your debt and retain your credit report. Online car finance companies can get you car finance loan even if your credit score is lower than required. Your car finance loan can get approved in minutes. Online car finance companies have revolutionized car finance procedure. With lowest online car finance rates, no application fees, or down payments car finance companies provide a formidable competition to car dealers. Car finance companies have set a standard for providing car finance that is worth opting for.70% of cars are obtained by some kind of financing. You can even finance a used car. The process is as effortless and undemanding as financing a new car. The essence to finding the right car finance is doing to research about your kind of car. Knowledge is power; you must be awake to this age old logic. When so much information frequently exists, then why not make use of it. Find out how much your car costs by comparing rates with local dealers. Very decisive, is cognizing how much, you can afford. Calculate, you monthly income and deduct your usual monthly expenditure to find out how much you can afford on a monthly basis. Compute carefully, otherwise you will find difficulty in repaying your car finance loan. And you definitely don’t want to fool around with your repayment plan because a lot is at stake. You can seek free advice for your own car finance online through credit unions and loan institutions.You are a car enthusiast, a car consumer, a just a person who needs a car you ought to drive the best car. And why not drive the best car, when you have access to the best car finance plans. Car financing is a transparent route that leads you to become a car owner. Car finance loans are usually short term loans ranging from 36 to 72 months. Shorter loan term imply, lower interest rates and will prove to be cheaper. You have been working hard to select the car you want; there is a fairly good chance that you would not have to work so hard for car finance. So, sit back relax and enjoy the ride. </p>]]></content:encoded> <wfw:commentRss>https://hwmantqms.info/car-finance-places-you-on-the-top-gear-while-buying-a-car.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How Much Is “Information Technology Debt” Hurting Your Bottom-Line?</title> <link>https://hwmantqms.info/how-much-is-information-technology-debt-hurting-your-bottom-line.html</link> <comments>https://hwmantqms.info/how-much-is-information-technology-debt-hurting-your-bottom-line.html#comments</comments> <pubDate>Wed, 22 Mar 2023 16:50:02 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://hwmantqms.info/?p=39</guid> <description><![CDATA[Information Technology (IT) debt is basically the cost of maintenance needed to bring all applications up to date.Shockingly, global “Information Technology (IT) debt” will reach $500 billion this year and could rise to $1 trillion by 2015!But why should you … <a href="https://hwmantqms.info/how-much-is-information-technology-debt-hurting-your-bottom-line.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Information Technology (IT) debt is basically the cost of maintenance needed to bring all applications up to date.Shockingly, global “Information Technology (IT) debt” will reach $500 billion this year and could rise to $1 trillion by 2015!But why should you take IT debt seriously and begin to take steps to eliminate this issue from your business?According to Gartner, the world’s leading information technology research and advisory company…It will cost businesses world-wide 500 billion dollars to “clear the backlog of maintenance” and reach a fully supported current technology environment.Gartner summarizes the problem best:”The IT management team is simply never aware of the time scale of the problem.This problem, hidden from sight, is getting bigger every year and more difficult to deal with every year.”The true danger is that systems get out of date which leads to all kinds of costly software and hardware inefficiencies.Your tech support provider can most likely do a better job at staying current with your computer and network environment.Have them start today by documenting the following:The number of applications in use<br />The number purchased<br />The number failed<br />The current and projected costs of both operating and improving their reliabilityAre you using this powerful formula to control your technology?There’s a powerful formula I’ll share with you in a moment that will help you adopt new technology faster in your business.In business, technology encompasses Information Technology (IT), Phone Systems and Web Development.These three layers of technology form the backbone of your business’s technology environment. Why is technology adoption so important?Without new technology adoption it’s impossible for businesses to be competitive in this economy. A major role of technology is to help businesses scale, design systems, and automate processes.Studies recently have shown that adopting technology keeps businesses leaner because entrepreneurs can do more with less.There’s evidence that new business start-ups are doing so with nearly half as many workers as they did a decade ago.For example, Wall Street Journal’s Angus Loten reported that today’s start-ups are now being launched with an average of 4.9 employees.Down from 7.5 in the 1990s, according to the Ewing Marion Kauffman Foundation, a Kansas City Research group.In other words, technology allows businesses to expand quickly with less.Researchers at Brandeirs University found that technology driven service businesses added jobs at a rate of 5.1% from 2001 to 2009; while employment overall dwindled by.5%.These businesses save money, expand, and create jobs by adopting new technologies.Are you adopting new technologies fast in your business?Speed of technology adoption is critical to your business success.Technology is changing the speed of business; now a whole industry might expand, mature, and die in months… not years.There’s one formula that illustrates this marriage between adopting technology and business success the best… and that’s the “Optimal Technology Equation.”I recommend you adopt this powerful “Optimal Technology Equation” in your business:• Maintenance + Planning + Innovation (Adoption)=<br />• Enhanced Technology Capabilities=<br />• Reduced Costs + Increased Production=<br />• Increased Profitability.Of course, this is only a brief explanation of this invaluable formula. Be one step ahead of the competition. </p>]]></content:encoded> <wfw:commentRss>https://hwmantqms.info/how-much-is-information-technology-debt-hurting-your-bottom-line.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>High Yield Investing</title> <link>https://hwmantqms.info/high-yield-investing.html</link> <comments>https://hwmantqms.info/high-yield-investing.html#comments</comments> <pubDate>Fri, 03 Feb 2023 15:17:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://hwmantqms.info/?p=34</guid> <description><![CDATA[What does High Yield Really Mean?High yield investing has taken on a totally new dimension since the introduction of the internet and the basic personal computer. In the United States, a high yield account is considered to be anything over … <a href="https://hwmantqms.info/high-yield-investing.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> What does High Yield Really Mean?High yield investing has taken on a totally new dimension since the introduction of the internet and the basic personal computer. In the United States, a high yield account is considered to be anything over 5% monthly. Of curse as the old adage goes, the higher the yield the larger the risk. This is true. You can not expect to earn more than an average percentage rate with less risk. It just doesn’t make sense.When discussing high yield interest accounts, are we talking about a savings account that produces a 5.4% annual percentage return? Well, yes. And no. It depends on who you are and what you consider to be possibilities and realistic.By now most of us have heard about investment programs that claim to be able to produce ridiculously high returns. Traditional investors cringes when they hear terms like 25% per month for one year plus the return of principle, and they nearly quiver when they hear claims of 300% in eight weeks. Certainly these high yield investment programs must be scams. How can it be possible to produce such returns in such a short amount of time? And why isn’t everyone out there doing this if it can really happen? If these high yield investments hold any water then in just five short years we could wipe out poverty and homelessness and no child would ever go to bed hungry or sick again!Are High Yield Investments Scams?Believe it or not this question is not a simple yes or no response. It can’t be. The short and safe answer would be yes, they are scams. However, it is important to understand what they are and why they have not all been shut down by the government if they are nothing more than a way to steal your money.High yield investment programs are not a place to try to earn an income. They are extremely volatile and unpredictable. People can and do make money from them, and sometimes it’s a significant amount of money. But don’t get excited and start rushing out to re-mortgage your house just yet.Read every single disclaimer on a high yield investment program website and they will all say the exact same thing. High yield investing comes with the risk of losing money. Never invest more than you can stand to lose. Why? Because every high yield investment program will eventually crumble and those with money invested are going to lose.High yield investment programs are based on principles similar to gambling. While most of do not, there are people in the world who make their living traveling around to casinos and gambling. Is it a scam? No. In fact most of us at least respect the fact that the individual is competent enough at playing casino games that they can earn a living at it regardless of how we feel about gambling ourselves. The same applies to earning a living from high yield investment programs. Most investors do not even consider them real investments and scoff at those who attempt to earn a living through high yield investing.Most people who are able to fund their lifestyle and earn a living through high yield investment programs started in using one of two methods. They either jumped in with both feet at the first program that sounded good to them and lost everything they invested or they researched high yield investment programs until their fingers went numb before ever investing a dime. Either way, both parties came to the conclusion that to come out ahead in high yield investments programs they would have to do ample research and completely understand the system and principles before they were going to succeed.Earning a living through high yield investment programs takes a system that is easy to implement and follow to prevent early closing and hefty losses. This system takes a lot of due diligence and of course, some very specialized knowledge about forex trading and even gambling.Reading the website’s method of investment can tell the average high yield investor a lot about the security, or lack thereof, for any particular program. Most will admit to trading in forex, which any average investor can do with a little knowledge and research. Some will tell you that they are trading in commodities as well and some admit that they are also gambling with the investors’ money, literally. Any website that says they are gambling using fool proof methods of winning should absolutely be avoided at all costs. There is no fool proof method of gambling.High yield investing is probably something to be avoided altogether, although that is an individual choice only an individual investor can make. However, if you choose to get involved with a high yield investment program and you loose your money, that was your choice as well. Just like it is possible to loose money in the stock market, you are likely to loose money in high yield investments. An investor that looses money in the stock market doesn’t typically file a lawsuit against the broker, so why are people so quick to file lawsuits and complaints when they loose money in high yield investment programs?The answer is unpleasant but for the most part it is true. Greed. We can accept that there are poor investments out there and should we loose three or four thousand dollars in a bad investment we accept it as part of the potential outcome of investing. Yet because we got excited and our minds started spending the money we were hoping to see through a high yield investment now suddenly the people who run these programs are thieves. High yield investments are investments even if they do border on scams and you run the risk of losing your money. Remember the basic principle of any investment? The higher the return the more likely you are to lose your money.High yield investments are incredibly risky and some of them are actually scams. Scam artists are everywhere and if there are people in the world who are willing to fork over thousands of dollars in the unrealistic hope that they can turn it into ten of thousands of dollars in a relatively short period of time then there will be people who are willing to steal that money from potential investors.People are willing to donate their money to any valuable cause, so there are people who are willing to set up phony charities to steal donations from giving people. That certainly doesn’t make every charity a scam and people aren’t going to stop donating to charities of their choice. Just as there are individuals who will take advantage of people’s kindness and desire to give to charities, there are individuals who are interested in scamming money from people who are trying to improve their financial portfolio through high yield investment programs. That doesn’t mean every single high yield investment program is a scam.The one thing all high yield investment programs do have in common is that sooner or later they will all fold, even those that start out being profitable. Just because a high yield investment program starts off producing the returns that it proposed in the beginning doesn’t mean that it will continue to do so over a long period of time. This is how the high yield investor gets dramatically burned. One or two programs that delivers for a period of time doesn’t mean it’s time to quit the job and devote all the available resources to high yield investing. It means that one or two programs are doing well. They will not do well forever and sooner or later they will crumble. That is the nature of high yield investing.High Yield versus Conservative InvestingWhich investment strategy is right for you? Only an individual investor can answer that question for their own interests. Some people can tolerate the significant risk factors while others prefer the stability of the more conservative and conventional methods of investing. Some people are more willing to take a gamble than others, and by all means high yield investing is a form of gambling.There are dramatically fewer scams in conventional investing. Some people will always believe that high yield investing is a scam and there is nothing that will convince them otherwise. Just because some people are able to be successful doesn’t mean that a program is not a scam. And just because something is a scam doesn’t mean that some money can’t be made anyway. Does it make it right or real or worthwhile? Again this is something that each individual investor needs to determine for themselves.For solid investment advice and a clearer path to investment success, independent advice and research is the best way to go. For all kinds of independent investment advice, stop by onlinetradingideas for comprehensive investment strategies, advice, and independent research. This site is particularly useful for making the most from conventional trading ideas and profiting from forex trades without having to enter the realm of high yield investment programs. </p>]]></content:encoded> <wfw:commentRss>https://hwmantqms.info/high-yield-investing.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>No Expense Spared: Health Care Costs</title> <link>https://hwmantqms.info/no-expense-spared-health-care-costs.html</link> <comments>https://hwmantqms.info/no-expense-spared-health-care-costs.html#comments</comments> <pubDate>Thu, 26 Jan 2023 07:37:53 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Health Care]]></category> <guid isPermaLink="false">http://hwmantqms.info/?p=32</guid> <description><![CDATA[Health care costs are higher than they have ever been in this day and age, to the point that they are actually pushing more and more people out of reach. Decent health care is now so hard to come by … <a href="https://hwmantqms.info/no-expense-spared-health-care-costs.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Health care costs are higher than they have ever been in this day and age, to the point that they are actually pushing more and more people out of reach. Decent health care is now so hard to come by if you do not have good benefits or thousand in the bank that people are really struggling to get and stay healthy. The health of the nation is declining as a result. Costs have risen to the extent that any illness has to burn itself out because people cannot afford to go to the doctor’s surgery to get a prescription, but why have health care costs escalated this far?Health Care Costs And Governmental ChangesIn recent years, the legal system and the medical system have been lumped together under the same umbrella as a result of the fact that the United States is now a suing nation. Every time someone files a lawsuit against a doctor or hospital, health care costs are guaranteed to rise, so think how much all of the lawsuits combined have contributed to the rising health care costs that we are now faced with! Of course, if an individual is suing a doctor or hospital for a legitimate reason then that is warranted, but if they are just doing it to profit or on made up accusations then those individuals are ruining health care for those of us that just want to be healthy and would be grateful to be able to afford an appointment when we are ill. Too often, individuals sue because they get the basic health care standard rather than something that they have not paid for to begin with, and the rest of us have to foot the bill.Insurance companies also contribute to the rising health care costs. Some insurance companies actually determine the costs of various procedures on their policies and will only pay that set amount out despite the fact that a bill for the medical care received actually totals more. As a result, most people would not be able to pay the bill in full so it would go to a debt collector, which costs money, or written off, which also costs money. As a result, doctors and hospitals put their health care costs up to recoup their losses and we all miss out as a result.The final reason for the rising health care costs that we have today is the standards of living. Every day living is rising in expense on a daily basis and we cannot keep up. More and more people are getting into debt as a result. When general prices go up, so do the health care costs and thus the less affluent people suffer as a result. They find themselves unable to afford anything. If there is no help available then this will have to change because health care cannot go on as it is. There has to be some sort of reform and fast, otherwise nobody will be healthy in the coming years! </p>]]></content:encoded> <wfw:commentRss>https://hwmantqms.info/no-expense-spared-health-care-costs.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Importance of Preventative Health Care</title> <link>https://hwmantqms.info/the-importance-of-preventative-health-care.html</link> <comments>https://hwmantqms.info/the-importance-of-preventative-health-care.html#comments</comments> <pubDate>Thu, 26 Jan 2023 07:36:46 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Health Care]]></category> <guid isPermaLink="false">http://hwmantqms.info/?p=30</guid> <description><![CDATA[It’s wonderful to know that you have options available when you need care quickly, but it’s never good to let pressing treatments during illness or injury be your only form of health care. Seeing a doctor regularly for checkups and … <a href="https://hwmantqms.info/the-importance-of-preventative-health-care.html">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> It’s wonderful to know that you have options available when you need care quickly, but it’s never good to let pressing treatments during illness or injury be your only form of health care. Seeing a doctor regularly for checkups and physicals is the best way to stay healthy. When you don’t have time to schedule an appointment your new option involves an urgent care walk in clinic. There are many urgent care clinics across the country, and they are becoming the new go-to health location.What can preventative health care do for you? Prevention in health care is all encompassing. Eating healthy, exercising, and visiting a primary care physician and dentist regularly are all part of lengthening your life. Getting excellent health care when you have a problem isn’t the only step of living a healthy life. The best course of action is stopping any diseases before they start.How Prevention HelpsMany serious health concerns and deaths are caused by completely preventable diseases or chronic conditions that could be addressed with regular health care. How does prevention help?Chronic Diseases -7 out of 10 Americans who die every year, will die from chronic diseases. Many of these diseases, like diabetes, are preventable. And some, like heart disease and cancer, can be caught early with regular checkups.More Common Than You Think -If you break down the numbers, almost one in every two adults has a chronic illness of some kind! Many of whom are unaware of, or not properly treating, their illnesses.Children Need Preventative Health Care Too – These kinds of diseases are becoming more common in children as well. Simply because most children are healthy and have good immune systems after infanthood does not mean they can go without regular checkups. One in every three children in America is currently vulnerable to some chronic diseases simply by being overweight. Healthier children means more days in school and better learning!Those who discover chronic conditions, like cancer, early are more likely to survive. And many chronic diseases are found during routine check ups and doctor’s appointments. There are financial benefits to preventative health care as well! Healthier people mean less sick days, less company loss, and higher paychecks for everyone.What it Means to Engage in PreventionPreventative health care is wide in scope. So what does it mean to actively engage in health prevention?Visit the Doctor if You Are Sick -It means going to the doctor, including an urgent care walk in clinic, when you are sick so that a standard infection doesn’t become a dangerous secondary infection.Take Care of Yourself at Home -It means checking yourself for potential issues with safety measures like breast self-examinations and keeping good track of your body’s behaviors.Submit to Annual Examinations and Tests -It means submitting to even those tests you find embarrassing, like colonoscopies or prostate exams. Being healthy means putting pride aside and considering your body’s needs.Commit to Living Healthy -It means focusing on the best ways to make your body healthy with everyday living. Try to stop habits that have long term effects on your body, like drinking and smoking. Try to involve yourself in regular exercise. Try to note what you eat and how much you eat. Good nutrition means better health.A routine investment in your health is a long term investment in your future! </p>]]></content:encoded> <wfw:commentRss>https://hwmantqms.info/the-importance-of-preventative-health-care.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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