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<title>WI Lemon Law and What Qualifies As a Lemon</title>
<link>https://ibcffms.info/wi-lemon-law-and-what-qualifies-as-a-lemon.html</link>
<comments>https://ibcffms.info/wi-lemon-law-and-what-qualifies-as-a-lemon.html#comments</comments>
<pubDate>Fri, 07 Apr 2023 00:33:49 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Law]]></category>
<category><![CDATA[Law and Issues]]></category>
<guid isPermaLink="false">http://ibcffms.info/?p=44</guid>
<description><![CDATA[If you want to know what the WI lemon law defines as a lemon, it’s a vehicle that has defects that are unfixable by any sort of permitted party, but is still less than a year old. If you can’t use your vehicle for more than a month due to its issues, it also qualifies [...]]]></description>
<content:encoded><![CDATA[ If you want to know what the WI lemon law defines as a lemon, it’s a vehicle that has defects that are unfixable by any sort of permitted party, but is still less than a year old. If you can’t use your vehicle for more than a month due to its issues, it also qualifies as a lemon.Under WI lemon law, the defects to the vehicle have to bring its market value significantly down, or risk your safety, but still be under warranty. If your car just rattles a bit, it’s not a lemon; if it stalls, it probably is.Even if your car is registered in a different state, as long as it was bought or leased in Wisconsin is falls under WI lemon law if it breaks down. Though used trailers and hand-me-down vehicles don’t qualify, you can get official and executive vehicles covered under WI lemon law. .Your car can be a lemon as classified under WI lemon law if it fits these criteria:* You bought or leased it in Wisconsin itself.* Any car, truck or motorcycle bought in Wisconsin – any defects to the vehicle began while it was in its first year of warranty.* The vehicle’s ability to be used or maintain safety is diminished substantially by the defects.If any of these sounds like your vehicle, then WI lemon law will qualify your car or truck as a lemon.No matter if your repair shop does anything during each visit, get a repair order for each of these times they see the vehicle. You have to ensure that the dates you entered it for repair, plus its problem, are entered in the repair order. .If all this paperwork is in order – repair orders, purchase orders, and warranties – you’ll be able to verify your car as a lemon. Keep your repair orders in a safe place, so that they don’t risk getting destroyed and you lose you chance to register your car as a lemon. .There’s another solution for you if your car has problems that affect its operation and safety, and you return it to the manufacturer. If you appraise the defects at the manufacturer’s location, your car could be fixed in lieu of paying for a deduction for the car.The manufacturer’s arbitration program will help you in the event of needing to get a refund or replacement car from the manufacturer.
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<title>5 Factors to Consider When Buying Life Insurance</title>
<link>https://ibcffms.info/5-factors-to-consider-when-buying-life-insurance.html</link>
<comments>https://ibcffms.info/5-factors-to-consider-when-buying-life-insurance.html#comments</comments>
<pubDate>Thu, 06 Apr 2023 22:18:43 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[insurance]]></category>
<category><![CDATA[life insurance]]></category>
<guid isPermaLink="false">http://ibcffms.info/?p=42</guid>
<description><![CDATA[Life insurance is an important part of financial planning, but understanding insurance and purchasing the right product can be confusing. While you should rely on the expertise and recommendations of your insurance agent, it’s always a good idea to do your own research. Here are five factors to consider before you buy insurance:1. Why you [...]]]></description>
<content:encoded><![CDATA[ Life insurance is an important part of financial planning, but understanding insurance and purchasing the right product can be confusing. While you should rely on the expertise and recommendations of your insurance agent, it’s always a good idea to do your own research. Here are five factors to consider before you buy insurance:1. Why you need life insurance. We all want to plan for our family’s future and financial security. Part of this process includes ensuring that our loved ones are supported in the event of our death, a spouse’s death, or the death of a parent. Insurance can provide protection in many different ways, such as helping to fund your retirement or paying for mortgages and college educations. It is also a key component of estate planning.2. The amount of life insurance you need. There are many factors to consider when deciding how much insurance is right for you and your family, and they may change as you age. It’s important to understand the purpose, policies, premiums, benefits and, ultimately, the best insurance for your specific situation. Here are a few considerations when determining how much insurance is enough:*How much money your family will need to live comfortably if you pass away
*Whether your home is paid for or if you still have a mortgage 
*If you have a business, how your passing will financially impact the company 
*Whether your family has access to money to pay for your burial expenses 
*The cost of financial and legal assistance to manage your estate 
*Whether your passing will create an estate tax burden for your heirs3. The different types of insurance available. Once you decide how much insurance you need, the next step is deciding whether term insurance or whole life insurance is right for you. Here are the basics:*Term life insurance: As its name implies, term life provides protection for a specific period of years. If you pass away during this period, your beneficiaries are paid the value of your policy. Term life insurance is the most popular for a variety of reasons, including the fact that benefits can be used to pay off outstanding debts such as mortgages in the event of a premature death, and that premiums are generally inexpensive when you purchase it at an earlier age. Someone in their 20s, for instance, will pay far less than someone in their 80s for the same amount of insurance.*Whole life insurance: A whole life insurance policy remains in effect throughout your lifetime as long as you continue to pay the premiums. You can typically use whole life insurance policies as collateral for loans or even receive cash payments while you are still living. However, premiums for whole insurance are more costly than term insurance, so younger families are generally encouraged to buy term life, with the option of converting the term life policy to a whole life policy at a later date.*Universal Life: A universal life insurance policy also provides permanent life insurance protection, but differs from whole life in its flexibility that allows you to select the amount of protection that best fits you, your family, and/or your business. You can increase or decrease coverage as your insurance needs change, as well as control the frequency and amount of premium payments.4. Risks that impact insurance costs. Insurance premiums are based on many different risk factors, including age, overall health, and the use of tobacco. If you are still relatively young, are in good health, and don’t smoke, now’s the time to buy insurance!5. How to choose the right insurance agent. With so many variables, choosing the right amount and type of insurance should be discussed with a trusted independent insurance agent. Independent brokers have access to many more insurance products and are typically more invested in your financial future. Be sure to do your homework, don’t be afraid to ask questions, and know your policy inside and out before you sign on the dotted line.If you’re shopping for life insurance and want to learn more about the right type of policy for you and your family, visit http://www.KellyWilliamsIns.com or call 562.498.8661.
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<title>Top Goal for Small Businesses: The Eight Most Important Checkup Questions for 2021</title>
<link>https://ibcffms.info/top-goal-for-small-businesses-the-eight-most-important-checkup-questions-for-2021.html</link>
<comments>https://ibcffms.info/top-goal-for-small-businesses-the-eight-most-important-checkup-questions-for-2021.html#comments</comments>
<pubDate>Thu, 06 Apr 2023 19:50:26 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Business]]></category>
<category><![CDATA[Advertising]]></category>
<category><![CDATA[Branding]]></category>
<category><![CDATA[business]]></category>
<category><![CDATA[Business Travel]]></category>
<category><![CDATA[Careers Employment]]></category>
<category><![CDATA[Consulting]]></category>
<category><![CDATA[Furnishings and Supplies]]></category>
<category><![CDATA[Industrial Mechanical]]></category>
<category><![CDATA[International Business]]></category>
<category><![CDATA[Interviews]]></category>
<category><![CDATA[Management]]></category>
<category><![CDATA[Marketing]]></category>
<category><![CDATA[Networking]]></category>
<category><![CDATA[Sales Management]]></category>
<category><![CDATA[Sales Training]]></category>
<category><![CDATA[Security]]></category>
<category><![CDATA[Small Business]]></category>
<guid isPermaLink="false">http://ibcffms.info/?p=40</guid>
<description><![CDATA[Are you happy with your business this year? What are you going to do differently? How can you hire the right people to support your vision? Sadly, many small business owners do not spend enough time planning for the future. It’s quite understandable. Managers must keep pace with the daily demands of their businesses, including [...]]]></description>
<content:encoded><![CDATA[ Are you happy with your business this year? What are you going to do differently? How can you hire the right people to support your vision? Sadly, many small business owners do not spend enough time planning for the future. It’s quite understandable. Managers must keep pace with the daily demands of their businesses, including payroll, taxes, product/service delivery, and customer expectations.Fortunately, the end of the year is the perfect time for a comprehensive evaluation of your company. Your business needs a checkup. Most people can relate to a checkup with their local doctor, depending on their background and personality characteristics (age, sex, family medical history). The doctor will conduct a variety of tests, including blood, vision, heart, and hearing.In fact, one element like an individual’s weight is not the only indicator of overall good health. Likewise, small businesses could benefit from a good checkup too. Successful entrepreneurs think strategically when engaged in a hostile, global environment.After 27 years of managing projects and conducting over 100 organizational evaluations of business organizations, I realize that both large and small organizations struggle in implementing their operations effectively. This article examines how small businesses need to conduct an effective checkup of their organizations.Welcome to the New Normal! Yet, nearly a year after this pandemic, the full impact on the U.S. economy is unclear. According to recent studies, more than four million Americans have left the workforce, and nearly 10 million are now unemployed compared with last February.In fact, the number of unemployed people continues to rise. According to a business study conducted between March 28 and April 4, 2020, small businesses have been heavily damaged by the lockdowns due to Covid-19.In an analysis of more than 5,800 small businesses (reaching a network of 4.6 million small businesses), the research highlighted the damage caused by the pandemic. The results showed evident damage of the pandemic. At this juncture, 43% of businesses had temporarily closed, and nearly all of these closures were due to COVID-19.Respondents stated that they had temporarily closed, largely pointed to reductions in demand and employee health concerns as the reasons for closure. In fact, the businesses, on average, reported having reduced their active employment by 39% since January.All industries have been impacted. However, retail, arts and entertainment, personal services, food services, and hospitality businesses showed significant employment declines exceeding 50%. Some businesses hope for assistance from the government.According to a Babson’s Goldman Sachs report, 88% of U.S. small business owners have already exhausted their Paycheck Protection Program (PPP) loan; the Small Business Association gave these loans specifically to help businesses keep their workforce employed during the pandemic. These loans were helpful.Yet, these successes do not diminish the fact that more than 32% of PPP loan recipients already have laid off employees or cut wages. In fact, Forty-three percent of Black small business owners reported that their businesses’ cash reserves would be depleted by year’s end due to Covid-19.Today’s small businesses and entrepreneurs must retool themselves, given the potential impacts of Covid-19 have the necessary capacity to change their way of thinking because of their passion. However, small businesses must be willing to evaluate their current operations and make the required changes.For example, customers have largely gone online to purchase services due to the lockdowns. If a business does not have an online presence now, this company does not exist. Internet pioneer and CEO of PSINet Bill Schrader explains the significant of online visibility: “Almost overnight, the Internet’s gone from a technical wonder to a business must.”With the appropriate diagnosis of an organization, a business can develop more sustainable success. Thus, the right checkup is critical.Below are some critical questions to help you conduct your own self-checkup:
Do you have a clear vision for your business? What is it?
Do you know why your customers buy from you and why others do not buy from you?
What results are you getting from your marketing? Do you have an effective online presence on the web?
Are you collecting data or the right kind of data on your customers and competitors?
Are you keeping pace with your industry trends? If so, what are the key trends?
How are you measuring results (i.e., key performance indicators like cash flow and revenue)?
What are your key competitors’ marketing strategies?
Have you evaluated your strengths and weaknesses (i.e., SWOT Analysis)?
In summary, successful global businesses, like IBM and Google, have continuous systems in place to evaluate their performance. Let’s call this process an organizational checkup.Small businesses that want to succeed in this global and technological climate must be able to conduct this self-evaluation or checkup. This article demonstrated the relevancy of a good checkup to help improve a business by asking probing questions. In many cases, small businesses do not have to take on this organizational checkup along.There are various organizations like the Small Business Administration and local universities that can assist in this process. Have you conducted a checkup for your business this year? It’s not too late. Start the new year with a healthy business checkup.© 2021 by D. D. Green
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<title>Oak Entertainment Centers</title>
<link>https://ibcffms.info/oak-entertainment-centers.html</link>
<comments>https://ibcffms.info/oak-entertainment-centers.html#comments</comments>
<pubDate>Thu, 06 Apr 2023 17:54:25 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Entertainment]]></category>
<category><![CDATA[Animation]]></category>
<category><![CDATA[Movies TV]]></category>
<category><![CDATA[Music]]></category>
<category><![CDATA[Music Industry]]></category>
<category><![CDATA[Performing Arts]]></category>
<category><![CDATA[Photography]]></category>
<category><![CDATA[Tattoos]]></category>
<category><![CDATA[Visual Graphic Arts]]></category>
<guid isPermaLink="false">http://ibcffms.info/?p=37</guid>
<description><![CDATA[Home entertainment centers are fast gaining popularity because of their space saving capabilities and the advantage they provide in storing electronic equipment and components in a compact and a methodical manner.Ranging from the existing home entertainment centers to custom made ones, these centers are either made of wood or metal. While the metallic entertainment solutions [...]]]></description>
<content:encoded><![CDATA[ Home entertainment centers are fast gaining popularity because of their space saving capabilities and the advantage they provide in storing electronic equipment and components in a compact and a methodical manner.Ranging from the existing home entertainment centers to custom made ones, these centers are either made of wood or metal. While the metallic entertainment solutions are also in great demand, it is the wooden entertainment centers that attract consumers because of their aesthetic values.The wooden entertainment centers are made of oak, cherry, mahogany, hickory, pine, maple, and walnut. If you are buying a wooden entertainment center you must keep in mind that ‘all-wood’ furniture is not necessarily all solid wood.The companies manufacturing these wooden entertainment centers usually use solid board for their constructions, but they also use veneers and particleboard. This is because a veneer is more cost-effective and helps lower the cost of the entertainment center and can also help you achieve the desired look without the additional costs that would be involved with solid wood.While searching for wooden entertainment centers, you should have a keen eye for detail. First of all, look carefully at drawers and ensure that they open and close smoothly. Apart from moving freely, they should also have automatic stops.Also, check for support blocks at the bottom of the drawers. In fact the quality and construction of the drawers are an important indicator of the over all quality of the furniture. There should also be dust proofing between the drawers. The advantage of this is that this barrier prevents papers from passing between them.If you plan to opt for custom made wooden entertainment center, you can also think in terms of intricately carved wooden cabinets. You can also consider including overlay strips of wood or blocks to attach decorative rosettes.TV cabinets with foldaway pocket doors are another option. Also, keep in mind that the oak entertainment center should have glass-covered cabinets if the electronic equipment they store operates with a remote.
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<title>Wellness Coordinators: Are You Addressing the Positive Side of Health? (Start Today)</title>
<link>https://ibcffms.info/wellness-coordinators-are-you-addressing-the-positive-side-of-health-start-today.html</link>
<comments>https://ibcffms.info/wellness-coordinators-are-you-addressing-the-positive-side-of-health-start-today.html#comments</comments>
<pubDate>Fri, 24 Mar 2023 11:17:39 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://ibcffms.info/?p=35</guid>
<description><![CDATA[The focus of health and wellness professionals today is on disease and problems – in other words, what’s wrong (negative health). Wouldn’t you rather be focusing instead on positive health, or in other words, what’s right?Health TodayHealth today has a disease focus – a focus on risk reduction, avoidance, prevention and treatment of disease, infirmity [...]]]></description>
<content:encoded><![CDATA[ The focus of health and wellness professionals today is on disease and problems – in other words, what’s wrong (negative health). Wouldn’t you rather be focusing instead on positive health, or in other words, what’s right?Health TodayHealth today has a disease focus – a focus on risk reduction, avoidance, prevention and treatment of disease, infirmity and disability. This focus stems, no doubt, from medicine and its focus on pathogenesis, which is the study of the origin of disease. In a pathogenic model – health is measured by the incidence of disease or health related problems. Success in the pathogenic model is measured by the avoidance or elimination of problems, diseases and premature death.Health is often depicted as being a continuum, with one end being premature death and the other end being wellness. The mid-point of the continuum is often described as being a neutral point where no discernible illness or wellness can be detected. If success in the pathogenic model is the avoidance or elimination of problems or disease, then success in this case this does not create a state of wellness, but instead a point there is no discernible illness or wellness. The betterment of health or the movement towards wellness would then require that deliberate, specific concrete actions to be taken.The necessity of taking deliberate, concrete action to achieve optimal health, positive health or high level wellness would be consistent with what researchers have found in other areas. Researchers have shown that eliminating negatives alone does not, in and of itself, create positive conditions. Some examples that demonstrate what I am saying would include:• Herzberg who showed that eliminating dissatisfaction does not create satisfaction• Compton who showed that eliminating depression does not create joy• Seligman who showed that mental health was not the mere absence of mental illness• Becker and colleagues who showed that ending disease does not create positive healthInstead of aiming for a return to neutral or the status quo, a focus on positive health moves our focus towards outcomes that exceed our expectations, in other words, our idealized outcomes.Positive HealthPositive health has its roots in the salutogenesis model. Salutogenesis provides a focus and methodology to discover and develop the causes or origins of positive health. Salutogenesis complements pathogenesis by working to optimize health and well-being through continuous and never-ending improvement. Salutogenesis is about how to add positive actions, opportunities, conditions and outcomes to move us beyond the neutral point to higher, positive levels.Positive health is a deliberate consciouly created dynamic state. Positive health has also beed described as well-being, thriving or flourishing.To achieve and continually improve positive health, a supportive, nurturing and encouraging environment must be consciously and thoughtfully developed and continuously improved. This supportive and nurturing environment is a necessary ingredient in the behavior change process.Positive states are created through deliberate, conscious effort and action. To create positive states, specific efforts must be taken that go just beyond the elimination of health risks and problems. These specific efforts need to be supported through the use of following 9 Es and 1 C:
Engagement 
Education 
Empowerment 
Effectiveness 
Enablement 
Evaluation 
Emotions 
Energy 
Expectations 
Comprehensive 
Use these 9 Es and 1 C in your worksite wellness program to help your employees achieve positive health.If you are interested in reading more, consider these references:Antonovsky, A. (1979) Health, stress and coping. San Francisco, CA: Jossey-Bass.Becker, C. M., Dolbier, C.L., Durham, T., Glascoff, M. A., & Adams, T.B. Development and preliminary evaluation of the validity and reliability of a positive health scale. (2008). American Journal of Health Education, 39(1), 34-41.Becker, C. M., Moore, J., Whetstone, L., Glascoff, M., Chaney, E., Felts, M., & Anderson, L., (2009). Validity Evidence for the Salutogenic Wellness Promotion Scale (SWPS). American Journal of Health Behavior, 33(4), 455-465.Becker, C., Glascoff, M., & Felts, W. (2010) Salutogenesis 30 years later: Where do we go from here? International Electronic Journal of Health Education, 13, 25-32.Compton, W. C. (2005). Introduction to positive psychology. Belmont, CA: Wadsworth.Dunn H. L. (1961). High-level wellness: A collection of twenty-nine short talks on different aspects of the theme “High-level wellness for man and society.” Arlington, VA: R.W. Beatty Co.Herzberg F. (2003). One more time: How do you motivate employees? Harvard Business Review, 81(1), 86-96. (Original work published 1968).Seligman, M. E. P. (2008). Positive health. Applied Psychology, 57(s1), 3-18.
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<title>The Best Way to Understand Personal Finance</title>
<link>https://ibcffms.info/the-best-way-to-understand-personal-finance.html</link>
<comments>https://ibcffms.info/the-best-way-to-understand-personal-finance.html#comments</comments>
<pubDate>Fri, 24 Mar 2023 09:43:22 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[When we are trying to understand Personal Finance, the best thing to do is to understand what Personal Finance is NOT.Many people think that accounting and personal finance are the same, but Personal Finance is NOT Accounting.On the surface they may seem the same; they both have something to do with money. However, the definitions [...]]]></description>
<content:encoded><![CDATA[ When we are trying to understand Personal Finance, the best thing to do is to understand what Personal Finance is NOT.Many people think that accounting and personal finance are the same, but Personal Finance is NOT Accounting.On the surface they may seem the same; they both have something to do with money. However, the definitions will help us better understand the differences.Merriam-Webster’s definition of accounting is “the system of recording and summarizing business and financial transactions and analyzing, verifying, and reporting the results.”Based on this definition, we see that accounting is the process of analysing and recording what you have already done with your money.This is why having an accountant is usually not enough when it comes to your personal finances.Accountants generally don’t concern themselves with personal finance (there are some exceptions to this rule). Unless your accountant is also a financial advisor or coach, he or she will likely just look at what you have done with your money at the end of the year and provide you with a report of their analysis.This report is usually your tax return; what you owe the government or what the government owes you.Very rarely does the accountant provide an individual with a Balance Sheet or Income Statement or a Net worth statement; all very helpful tools that are necessary to effectively manage your personal finances.Personal Finance is looking at your finances from a more pro-active and goal oriented perspective. This is what provides the accountants with something to record, verify and analyze.The Merriam-Webster’s (Concise Encyclopedia) definition of “Finance” is the “process of raising funds or capital for any kind of expenditure. Consumers, business firms, and governments often do not have the funds they need to make purchases or conduct their operations, while savers and investors have funds that could earn interest or dividends if put to productive use. Finance is the process of channeling funds from savers to users in the form of credit, loans, or invested capital through agencies including COMMERCIAL BANKS, SAVINGS AND LOAN ASSOCIATIONS, and such nonbank organizations as CREDIT UNIONS and investment companies. Finance can be divided into three broad areas: BUSINESS FINANCE, PERSONAL FINANCE, and public finance. All three involve generating budgets and managing funds for the optimum results”.Personal Finance SimplifiedBy understanding the definition of “finance” we can break our “personal finance” down into 3 simple activities:-1. The process of raising funds or capital for any kind of expenditure = Generating an Income.
A Business gets money through the sale of their products and services. This is labeled “revenue” or “income”. Some businesses will also invest a portion of their revenue to generate more income (interest income).A Person gets money through a job, or a small business (self employment, sole proprietorship, network marketing or other small business venture). The money coming in can be a salary, hourly wage, or commission, and is also referred to as income.A Government gets money through taxes that we pay. This is one of the main ways that the government generates an income that is then used to build infrastructure like roads, bridges, schools, hospitals etc for our cities.2. Using our money to make purchases = Spending Money.
How much we spend relative to how much we make is what makes the difference between having optimum results in our personal finances. Making good spending decisions is critical to achieving financial wealth – regardless of how much you make.3. Getting optimum results = Keeping as much of our money as possible 
It’s not how much you MAKE that matters – its how much you KEEP that really matters when it comes to your personal finances.This is the part of personal finance that virtually everyone finds the most challenging.Often people who make large incomes (six figures or more) also tend to spend just as much (or more) which means they put themselves in debt and that debt starts to accrue interest. Before long that debt can start to grow exponentially and can destroy any hope they would have had to achieving wealth.Personal Finance made simplePersonal Finance doesn’t need to be complicated if you keep this simple formula in mind:INCOME – SPENDING = WHAT YOU KEEPFor Optimal Results you simply have to make more than what you spend and spend less than what you make so you can keep more for you and your family!If you are not actively working towards an optimal result you will by default get less than optimal resultsIt really is that simple!Now that you understand personal finance and WHAT you need to do, the next step is learning HOW to do this!The best way to start is by following these 3 simple steps:-1. Know what you want to achieve – “if you don’t know where you are going, any road will take you there” has become a very popular quote, probably because it is so true. One of the habits that Stephen Covey highlights in his book “7 Habits of Highly Successful People”, is to always start with the end in mind. Knowing where you want to go will be a big help in ensuring you get there.2. Have a plan – that you can follow that will get you to your goals. Knowing how you will achieve your goals in a step by step plan is invaluable. Sometimes this is easier with the help of an advisor or a financial coach.3. Use tools and resources – that will help you to stick to your plan and not become distracted by the things in life that could limit our incomes and make us spend more than we should. Don’t try and work it all out in your head! You will end up with a massive headache and your finances will become one gigantic dark fog!
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<title>How Can Instructional Technology Make Teaching and Learning More Effective in the Schools?</title>
<link>https://ibcffms.info/how-can-instructional-technology-make-teaching-and-learning-more-effective-in-the-schools.html</link>
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<pubDate>Wed, 22 Mar 2023 16:59:57 +0000</pubDate>
<dc:creator>admin</dc:creator>
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<description><![CDATA[In the past few years of research on instructional technology has resulted in a clearer vision of how technology can affect teaching and learning. Today, almost every school in the United States of America uses technology as a part of teaching and learning and with each state having its own customized technology program. In most [...]]]></description>
<content:encoded><![CDATA[ In the past few years of research on instructional technology has resulted in a clearer vision of how technology can affect teaching and learning. Today, almost every school in the United States of America uses technology as a part of teaching and learning and with each state having its own customized technology program. In most of those schools, teachers use the technology through integrated activities that are a part of their daily school curriculum. For instance, instructional technology creates an active environment in which students not only inquire, but also define problems of interest to them. Such an activity would integrate the subjects of technology, social studies, math, science, and language arts with the opportunity to create student-centered activity. Most educational technology experts agree, however, that technology should be integrated, not as a separate subject or as a once-in-a-while project, but as a tool to promote and extend student learning on a daily basis.Today, classroom teachers may lack personal experience with technology and present an additional challenge. In order to incorporate technology-based activities and projects into their curriculum, those teachers first must find the time to learn to use the tools and understand the terminology necessary for participation in projects or activities. They must have the ability to employ technology to improve student learning as well as to further personal professional development.Instructional technology empowers students by improving skills and concepts through multiple representations and enhanced visualization. Its benefits include increased accuracy and speed in data collection and graphing, real-time visualization, the ability to collect and analyze large volumes of data and collaboration of data collection and interpretation, and more varied presentation of results. Technology also engages students in higher-order thinking, builds strong problem-solving skills, and develops deep understanding of concepts and procedures when used appropriately.Technology should play a critical role in academic content standards and their successful implementation. Expectations reflecting the appropriate use of technology should be woven into the standards, benchmarks and grade-level indicators. For example, the standards should include expectations for students to compute fluently using paper and pencil, technology-supported and mental methods and to use graphing calculators or computers to graph and analyze mathematical relationships. These expectations should be intended to support a curriculum rich in the use of technology rather than limit the use of technology to specific skills or grade levels. Technology makes subjects accessible to all students, including those with special needs. Options for assisting students to maximize their strengths and progress in a standards-based curriculum are expanded through the use of technology-based support and interventions. For example, specialized technologies enhance opportunities for students with physical challenges to develop and demonstrate mathematics concepts and skills. Technology influences how we work, how we play and how we live our lives. The influence technology in the classroom should have on math and science teachers’ efforts to provide every student with “the opportunity and resources to develop the language skills they need to pursue life’s goals and to participate fully as informed, productive members of society,” cannot be overestimated.Technology provides teachers with the instructional technology tools they need to operate more efficiently and to be more responsive to the individual needs of their students. Selecting appropriate technology tools give teachers an opportunity to build students’ conceptual knowledge and connect their learning to problem found in the world. The technology tools such as Inspiration® technology, Starry Night, A WebQuest and Portaportal allow students to employ a variety of strategies such as inquiry, problem-solving, creative thinking, visual imagery, critical thinking, and hands-on activity.Benefits of the use of these technology tools include increased accuracy and speed in data collection and graphing, real-time visualization, interactive modeling of invisible science processes and structures, the ability to collect and analyze large volumes of data, collaboration for data collection and interpretation, and more varied presentations of results.Technology integration strategies for content instructions. Beginning in kindergarten and extending through grade 12, various technologies can be made a part of everyday teaching and learning, where, for example, the use of meter sticks, hand lenses, temperature probes and computers becomes a seamless part of what teachers and students are learning and doing. Contents teachers should use technology in ways that enable students to conduct inquiries and engage in collaborative activities. In traditional or teacher-centered approaches, computer technology is used more for drill, practice and mastery of basic skills.The instructional strategies employed in such classrooms are teacher centered because of the way they supplement teacher-controlled activities and because the software used to provide the drill and practice is teacher selected and teacher assigned. The relevancy of technology in the lives of young learners and the capacity of technology to enhance teachers’ efficiency are helping to raise students’ achievement in new and exciting ways.As students move through grade levels, they can engage in increasingly sophisticated hands-on, inquiry-based, personally relevant activities where they investigate, research, measure, compile and analyze information to reach conclusions, solve problems, make predictions and/or seek alternatives. They can explain how science often advances with the introduction of new technologies and how solving technological problems often results in new scientific knowledge. They should describe how new technologies often extend the current levels of scientific understanding and introduce new areas of research. They should explain why basic concepts and principles of science and technology should be a part of active debate about the economics, policies, politics and ethics of various science-related and technology-related challenges.Students need grade-level appropriate classroom experiences, enabling them to learn and to be able to do science in an active, inquiry-based fashion where technological tools, resources, methods and processes are readily available and extensively used. As students integrate technology into learning about and doing science, emphasis should be placed on how to think through problems and projects, not just what to think.Technological tools and resources may range from hand lenses and pendulums, to electronic balances and up-to-date online computers (with software), to methods and processes for planning and doing a project. Students can learn by observing, designing, communicating, calculating, researching, building, testing, assessing risks and benefits, and modifying structures, devices and processes – while applying their developing knowledge of science and technology.
Most students in the schools, at all age levels, might have some expertise in the use of technology, however K-12 they should recognize that science and technology are interconnected and that using technology involves assessment of the benefits, risks and costs. Students should build scientific and technological knowledge, as well as the skill required to design and construct devices. In addition, they should develop the processes to solve problems and understand that problems may be solved in several ways.Rapid developments in the design and uses of technology, particularly in electronic tools, will change how students learn. For example, graphing calculators and computer-based tools provide powerful mechanisms for communicating, applying, and learning mathematics in the workplace, in everyday tasks, and in school mathematics. Technology, such as calculators and computers, help students learn mathematics and support effective mathematics teaching. Rather than replacing the learning of basic concepts and skills, technology can connect skills and procedures to deeper mathematical understanding. For example, geometry software allows experimentation with families of geometric objects, and graphing utilities facilitate learning about the characteristics of classes of functions.Learning and applying mathematics requires students to become adept in using a variety of techniques and tools for computing, measuring, analyzing data and solving problems. Computers, calculators, physical models, and measuring devices are examples of the wide variety of technologies, or tools, used to teach, learn, and do mathematics. These tools complement, rather than replace, more traditional ways of doing mathematics, such as using symbols and hand-drawn diagrams.Technology, used appropriately, helps students learn mathematics. Electronic tools, such as spreadsheets and dynamic geometry software, extend the range of problems and develop understanding of key mathematical relationships. A strong foundation in number and operation concepts and skills is required to use calculators effectively as a tool for solving problems involving computations. Appropriate uses of those and other technologies in the mathematics classroom enhance learning, support effective instruction, and impact the levels of emphasis and ways certain mathematics concepts and skills are learned. For instance, graphing calculators allow students to quickly and easily produce multiple graphs for a set of data, determine appropriate ways to display and interpret the data, and test conjectures about the impact of changes in the data.Technology is a tool for learning and doing mathematics rather than an end in itself. As with any instructional tool or aid, it is only effective when used well. Teachers must make critical decisions about when and how to use technology to focus instruction on learning mathematics.
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<title>There is an excessive amount of traffic coming from your Region.</title>
<link>https://ibcffms.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region.html</link>
<comments>https://ibcffms.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region.html#comments</comments>
<pubDate>Sun, 05 Feb 2023 08:50:26 +0000</pubDate>
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<title>An Inside Look at the Importance of a Smile in Sales</title>
<link>https://ibcffms.info/an-inside-look-at-the-importance-of-a-smile-in-sales.html</link>
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<pubDate>Sun, 16 Oct 2022 19:37:37 +0000</pubDate>
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<description><![CDATA[If you’re in sales, then you’ve probably heard all sorts of advice, from “don’t oversell” to “focus on solving problems.” However, one of the best pieces of advice that many forget is to smile! After all, your smile is one of the first features people notice about you, and it plays an essential role in [...]]]></description>
<content:encoded><![CDATA[If you’re in sales, then you’ve probably heard all sorts of advice, from “don’t oversell” to “focus on solving problems.” However, one of the best pieces of advice that many forget is to smile! After all, your smile is one of the first features people notice about you, and it plays an essential role in the first impression you make. Keep reading to learn all about the importance of a smile in sales (as well as how cosmetic dentistry can help!).
Smile: Your Sale Depends on It!
Knowing your product and knowing your audience are key in sales. However, you don’t get far if your client doesn’t trust you or believe you. That’s why it’s so important to make a good first impression! Here are a few ways a smile can help:
• Smiling is more powerful than you might think – One study found that smiling has the same effect on our brain as $25,000 in cash!
• Smiling communicates your state of mind – Smiling is a non-verbal cue that you are happy to be where you are, that you are confident in your product, and that you are ready and willing to help.
• Smiling creates a ripple effect of positivity – Have you ever seen a friend yawn and done the same? Or seen someone take a sip of water and immediately realized you’re thirsty? Thanks to the mirroring neurons in our brains, we naturally mimic the behavior of those around us.
But What If You Don’t Like Your Smile?
If you don’t like your smile, don’t worry – that’s where cosmetic dentistry comes in. Whether you’re struggling with misaligned, misshapen, cracked, or otherwise imperfect teeth, your smile goals aren’t out of reach. The first step? Scheduling an appointment with a skilled cosmetic dentist. For both my father and myself, providing high-quality, personalized, and judgment-free dentistry is a passion. There’s truly nothing better than seeing someone walk out of our office with a dazzling, confident smile! So, don’t wait to make your dream smile a reality – it could make all of the difference when it comes to your personal and professional life!
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<title>Where to buy beautiful rugs, floor mats and more.</title>
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<pubDate>Sun, 16 Oct 2022 19:36:43 +0000</pubDate>
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<description><![CDATA[Where to buy beautiful rugs, floor mats and more. Including unique t-shirts, dresses, bags and artworks. All in one website with free shipping worldwide! QueenNoble.com is the exclusive online art gallery and home décor online store where items were designed by artist QueenNoble Dr. Elle Ramirez. You can get all your home decorating needs in [...]]]></description>
<content:encoded><![CDATA[Where to buy beautiful rugs, floor mats and more. Including unique t-shirts, dresses, bags and artworks. All in one website with free shipping worldwide!
QueenNoble.com is the exclusive online art gallery and home décor online store where items were designed by artist QueenNoble Dr. Elle Ramirez. You can get all your home decorating needs in one place without worrying the shipping fee. You can collect all her original art pieces and open editions from your comfort zone in just few clicks. All original artworks will be shipped straight from the country of exhibition with free shipping worldwide. Home décor on QueenNoble is not your usual home decoration items. Every items were designed by QueenNoble Dr. Elle Ramirez exclusively made from handmade paintings turned to manipulated photos to make stunning designs for every home décor items such as the rugs, lamps, wall decors and more. Of course the original artworks of QueenNoble are all available to every collectors who collect only original artworks. The prints are premium quality, framed and ready to hang for everyone’s convenience. Rugs, lamps, pillows and others are designed by QueenNoble, and then manufactured by partnered companies in Europe and in The United States.
The artist And Designer QueenNoble
Dr. Elle Ramirez also known as QueenNoble is an American international fine arts artist, designer, sculptor, photographer and an author. Dr. Ramirez creates rare textured and embossed abstract artworks from wall sculptures to embossed paintings. Her career began from year 2006 up to this present day. (See Wikipedia.)
QueenNoble is known for her textured and embossed abstract artworks mimicking planets, natural stones and rocks, abstract engraved portraits, several monochromatic and vivid concepts.
“Live Minimal” is one of QueenNoble’s art books released year 2021. (See Google Scholar Books)
QueenNoble is also an author of several mental health books like “Quarantine: The Challenges During Quarantine and How to Keep Our Sanity”. QueenNoble is also the author of the Novel called, “The Cart Season 1”. (See more on Amazon)
One Of A Kind Products You Can Buy On QueenNoble
One of a kind luxury collectibles with certificate. Unique items designed and curated by QueenNoble Dr. Elle Ramirez are now available on the official website. One collectible is to one collector or owner. Collectibles can be a wallet, bag, a piece of art, a furniture, a dress or a shirt and more. A first come first served basis. Handmade with love and attention. Own something that no one has in the entire world. Only on QueenNoble. What will you get on the top of that? You will receive a certificate of authenticity upon receiving your item. Free shipping worldwide. Free repair and replacement in case of a major manufacture error. Most items are handmade and are genuine leather so slight imperfections are visible which are the signs of most genuine leathers in the market. Varieties of items and vast selections although items are very quick to be sold.
Who does not want a one of a kind item? It is really disliked to run to someone with the same exact dress in an occasion or a business meeting! Now on QueenNoble not only original hand-painted artworks are available now you get to wear an art yourself anywhere and anytime. Display a furniture or a décor and be asked by a friend or a colleague, “Where can I buy one?” and of course the answer is “You can’t buy that in the market.” Because It is only one!
What happens after you buy a one of a kind on QueenNoble? The price increases yearly for 10 years. What an investment for yourself or a luxurious lifetime gift for a special someone!
From the author’s words:
If you are a collector and a shopper, QueenNoble is definitely where to go specially if you are looking for unique designer’s décor such as rugs, comforters, bags, wall art etc. A lot of selections to choose from. The designs are contemporary and modern. In one look you know where the products are from since you can only find them on queennoble.com. The processes are also very convenient and shipping is fast worldwide.
I bought a one of a kind bag. When I received it it came with an envelope consisting the certificate. The leather bag is stunning. Fast shipping and free delivery. They also offer free repair in case there is a manufacturer error for free.
Note also that if you are a merchant you can sign up on their trading program. There is a 15-30% commission. Less work for you all you do is share the url of the product and your designated coupon code which you’ll receive when you sign up and you get paid everytime someone uses your coupon code. Sound interesting right? Copy code, share url and code on your social media and earn as you go.
QueenNoble is also on Saatchiart, Artmajeur, Singulart Galleries. On QueenNoble’s original artworks, all artworks with certificate of authenticity will be shipped straight to the collector from the current exhibited country and also free shipping worldwide.
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