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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>idensrlms.info</title> <atom:link href="http://idensrlms.info/feed" rel="self" type="application/rss+xml" /> <link>https://idensrlms.info</link> <description></description> <lastBuildDate>Thu, 13 Mar 2025 14:00:38 +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>Maximize Your Travel Rewards with the American Express® Gold Card</title> <link>https://idensrlms.info/maximize-your-travel-rewards-with-the-american-express%c2%ae-gold-card.html</link> <comments>https://idensrlms.info/maximize-your-travel-rewards-with-the-american-express%c2%ae-gold-card.html#comments</comments> <pubDate>Thu, 13 Mar 2025 14:00:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[American Express]]></category> <category><![CDATA[American Express Gold]]></category> <category><![CDATA[credit card perks.]]></category> <category><![CDATA[dining rewards]]></category> <category><![CDATA[foodies]]></category> <category><![CDATA[no foreign transaction fees]]></category> <category><![CDATA[travel credit cards]]></category> <category><![CDATA[travel rewards]]></category> <guid isPermaLink="false">http://idensrlms.info/?p=58</guid> <description><![CDATA[For foodies and travelers alike, the American Express® Gold Card offers an unbeatable combination of rewards for dining and travel. This card is perfect for those who love to enjoy great meals while traveling and want to earn impressive points on both categories. 4x Points on Dining The American Express® Gold Card stands out for [...]]]></description> <content:encoded><![CDATA[<p>For foodies and travelers alike, the American Express® Gold Card offers an unbeatable combination of rewards for dining and travel. This card is perfect for those who love to enjoy great meals while traveling and want to earn impressive points on both categories.</p><p>4x Points on Dining<br />The American Express® Gold Card stands out for its 4x points on dining, which includes not only restaurant dining but also takeout and delivery. Whether you’re traveling or at home, you can rack up points while enjoying your meals.</p><p>3x Points on Flights<br />This card also offers 3x points on flights booked directly with airlines or through amextravel.com. This makes it ideal for frequent travelers who want to earn extra points on their airfare.</p><p>Annual Dining Credit<br />With the American Express® Gold Card, you can take advantage of up to $120 in dining credits each year. This can be used at select restaurants and food delivery services, making it an excellent perk for those who love dining out while traveling.</p><p>No Foreign Transaction Fees<br />Travelers can rejoice knowing that the American Express® Gold Card has no foreign transaction fees. This feature is especially important when traveling abroad, as it saves you money on every purchase made in foreign currencies.</p><p>Sign-Up Bonus<br />New cardholders can earn a generous sign-up bonus, which can be redeemed for travel rewards or statement credits. This bonus can significantly boost your rewards balance right from the start.</p><p>Conclusion<br />The American Express® Gold Card is perfect for those who want to maximize their rewards on dining and travel. With generous rewards, annual credits, and a low foreign transaction fee, it’s a top choice for travelers who love great food and incredible perks.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://idensrlms.info/maximize-your-travel-rewards-with-the-american-express%c2%ae-gold-card.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Understanding the Rewards Program of Bank of America Credit Cards</title> <link>https://idensrlms.info/understanding-the-rewards-program-of-bank-of-america-credit-cards.html</link> <comments>https://idensrlms.info/understanding-the-rewards-program-of-bank-of-america-credit-cards.html#comments</comments> <pubDate>Thu, 13 Mar 2025 13:54:30 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Bank of America rewards]]></category> <category><![CDATA[business rewards credit cards]]></category> <category><![CDATA[cash back rewards]]></category> <category><![CDATA[credit card benefits.]]></category> <category><![CDATA[customized cash rewards]]></category> <category><![CDATA[redeeming points]]></category> <category><![CDATA[travel rewards]]></category> <guid isPermaLink="false">http://idensrlms.info/?p=56</guid> <description><![CDATA[Bank of America credit cards offer lucrative rewards programs that can benefit your business in a variety of ways. Whether you’re earning cash back, travel points, or specialized rewards, these programs allow you to maximize your spending. Here’s a guide to understanding how the rewards system works for Bank of America business credit cards. Cash [...]]]></description> <content:encoded><![CDATA[<p>Bank of America credit cards offer lucrative rewards programs that can benefit your business in a variety of ways. Whether you’re earning cash back, travel points, or specialized rewards, these programs allow you to maximize your spending. Here’s a guide to understanding how the rewards system works for Bank of America business credit cards.</p><p>Cash Back Rewards<br />Bank of America’s Business Advantage Cash Rewards card offers 3% cash back on select categories like office supply stores, phone services, and gas. Additionally, you’ll earn 1% on all other purchases. This makes it a great option for businesses with varied spending patterns.</p><p>Travel Rewards<br />For businesses that frequently travel, the Business Advantage Travel Rewards card offers 1.5 points per dollar on every purchase, which can be redeemed for travel-related expenses. Points can be used for flights, hotels, and car rentals, making it a flexible and rewarding option.</p><p>Bonus Points and Cash Back<br />Bank of America also provides promotional bonuses, where you can earn additional cash back or bonus points after meeting spending thresholds within the first few months of card usage. These bonuses can help businesses quickly accumulate rewards for their purchases.</p><p>Customized Cash Rewards<br />With the Business Advantage Customized Cash Rewards card, you have the flexibility to choose your 3% cash back category, such as online advertising, travel, or office supplies. This customization helps you earn rewards on your business’s most frequent spending.</p><p>Redeeming Rewards<br />Rewards can be redeemed in a variety of ways, including statement credits, travel bookings, gift cards, and more. Bank of America also allows you to redeem rewards for credit card payments, making it easier to apply the rewards directly toward your balance.</p><p>Conclusion<br />The rewards program offered by Bank of America credit cards is diverse and flexible, offering businesses the opportunity to earn cash back, travel points, and other perks. By understanding how the rewards system works, you can maximize the benefits of your business credit card.</p>]]></content:encoded> <wfw:commentRss>https://idensrlms.info/understanding-the-rewards-program-of-bank-of-america-credit-cards.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Choose the Right Business Email Service for Your Company</title> <link>https://idensrlms.info/how-to-choose-the-right-business-email-service-for-your-company.html</link> <comments>https://idensrlms.info/how-to-choose-the-right-business-email-service-for-your-company.html#comments</comments> <pubDate>Thu, 13 Mar 2025 13:45:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[best email provider]]></category> <category><![CDATA[business email service]]></category> <category><![CDATA[choosing email service.]]></category> <category><![CDATA[company email]]></category> <category><![CDATA[email integrations]]></category> <category><![CDATA[email security]]></category> <category><![CDATA[email storage]]></category> <category><![CDATA[email support]]></category> <guid isPermaLink="false">http://idensrlms.info/?p=53</guid> <description><![CDATA[Choosing the right business email service is crucial for ensuring smooth communication, security, and collaboration within your company. With so many options available, it can be challenging to find the perfect fit. Here’s a guide to help you make an informed decision when selecting a business email service. Consider Your Business Size Small businesses may [...]]]></description> <content:encoded><![CDATA[<p>Choosing the right business email service is crucial for ensuring smooth communication, security, and collaboration within your company. With so many options available, it can be challenging to find the perfect fit. Here’s a guide to help you make an informed decision when selecting a business email service.</p><p>Consider Your Business Size<br />Small businesses may not require the same level of features as large corporations. Look for a service that can scale as your business grows. Many services offer different plans based on the size of your team and the level of support you need.</p><p>Look for Security Features<br />Security should be a top priority. Choose a service that offers robust security measures, such as data encryption, two-factor authentication, and spam filtering. Ensuring the security of sensitive client and business data is essential.</p><p>Integration with Other Tools<br />Select a service that integrates seamlessly with your existing tools. Whether you use Google Workspace, Microsoft 365, or other collaboration tools, having an email service that integrates with your workflow will boost productivity.</p><p>Storage Space and Backup<br />A good business email service will provide ample storage space for your team’s emails and ensure that data is regularly backed up. Consider the storage capacity you need based on your team size and expected email volume.</p><p>Customer Support and Reliability<br />Check the quality of customer support and uptime guarantees. A reliable email service should provide quick customer service and minimal downtime to ensure smooth communication within your team and with customers.</p><p>Conclusion<br />Choosing the right business email service requires evaluating your company’s size, security needs, integrations, storage, and support options. By taking these factors into account, you can find a service that meets your unique business requirements.</p>]]></content:encoded> <wfw:commentRss>https://idensrlms.info/how-to-choose-the-right-business-email-service-for-your-company.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Affordable Ways to Boost Your Home’s Curb Appeal</title> <link>https://idensrlms.info/affordable-ways-to-boost-your-home%e2%80%99s-curb-appeal.html</link> <comments>https://idensrlms.info/affordable-ways-to-boost-your-home%e2%80%99s-curb-appeal.html#comments</comments> <pubDate>Thu, 13 Mar 2025 13:41:56 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[affordable home upgrades]]></category> <category><![CDATA[curb appeal]]></category> <category><![CDATA[DIY home projects]]></category> <category><![CDATA[exterior makeover]]></category> <category><![CDATA[front yard design.]]></category> <category><![CDATA[home improvement]]></category> <category><![CDATA[landscaping]]></category> <category><![CDATA[outdoor decor]]></category> <guid isPermaLink="false">http://idensrlms.info/?p=51</guid> <description><![CDATA[The exterior of your home is the first impression visitors and potential buyers get. Making simple updates to your home’s curb appeal can increase its value and make it more welcoming. Body Maintain Your Lawn A well-kept lawn is a major factor in curb appeal. Regular mowing, trimming, and edging will make your yard look [...]]]></description> <content:encoded><![CDATA[<p>The exterior of your home is the first impression visitors and potential buyers get. Making simple updates to your home’s curb appeal can increase its value and make it more welcoming.</p><p>Body</p><p>Maintain Your Lawn<br />A well-kept lawn is a major factor in curb appeal. Regular mowing, trimming, and edging will make your yard look neat and tidy. Consider planting low-maintenance shrubs or flowers to add color.</p><p>Paint or Replace the Front Door<br />Your front door is a focal point of your home’s exterior. If it’s old and worn, a new coat of paint or replacing the door can give your home an instant facelift. Choose a bold color that complements the rest of your home’s exterior.</p><p>Add Outdoor Lighting<br />Outdoor lighting not only adds beauty to your home’s exterior but also improves safety. Install solar-powered lights along the pathway or around landscaping features to create a welcoming atmosphere.</p><p>Update the Mailbox<br />Replacing your mailbox with a new, stylish one can make a surprising difference to your home’s curb appeal. Choose a design that matches the style of your home.</p><p>Clean and Repair the Driveway<br />Pressure-wash your driveway to remove dirt and stains. If you have cracks or damage, consider filling them in or resealing the surface to make your home’s exterior look polished and well-maintained.</p><p>Conclusion<br />With a little effort and a few simple changes, you can significantly improve your home’s curb appeal and create a welcoming environment.</p>]]></content:encoded> <wfw:commentRss>https://idensrlms.info/affordable-ways-to-boost-your-home%e2%80%99s-curb-appeal.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What Are the Underage DUI Laws and Punishments?</title> <link>https://idensrlms.info/what-are-the-underage-dui-laws-and-punishments.html</link> <comments>https://idensrlms.info/what-are-the-underage-dui-laws-and-punishments.html#comments</comments> <pubDate>Fri, 07 Apr 2023 00:26:49 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Law]]></category> <category><![CDATA[Law and Issues]]></category> <guid isPermaLink="false">http://idensrlms.info/?p=45</guid> <description><![CDATA[Driving under the influence, or DUI, is a serious offense that can have many direct and indirect consequences for those involved. Underage DUI laws are in place to deal adequately with the particular problem of underage drunken driving. DUI is most often associated with alcohol, but the laws also cover being under the influence of [...]]]></description> <content:encoded><![CDATA[<p> Driving under the influence, or DUI, is a serious offense that can have many direct and indirect consequences for those involved. Underage DUI laws are in place to deal adequately with the particular problem of underage drunken driving. DUI is most often associated with alcohol, but the laws also cover being under the influence of drugs or any controlled substance.All fifty states of America make it illegal to drive states with a blood alcohol measurement of.08 percent. The underage DUI laws make this level lower for drivers under the age of twenty-one, but the exact level varies from state to state. A limit of 0.02% is common in many states for those under twenty-one. The best thing to do is to avoid drinking at all if you intend to drive, but if you are under twenty-one it is wise to be aware of the limit for the state where you are driving in.Punishments for underage DUI also varies from state to state, but there are many similarities in what under age DUI laws lay down for those found guilty. The punishments given often include a range of fines up to about two thousand five hundred dollars, impounding of the car and compulsory attendance at driver’s classes. Other punishments include community service orders, revocation of the driving licence and possible jail sentencing for the worst offences. Those found guilty are also often expected to pay court costs and will be subject to a probation period.The punishments stipulated by the underage DUI laws are, it can be seen, very severe. Unfortunately for those found guilty it does not end there. Because a person under twenty-one found guilty of driving under the influence is also, by definition, guilty of the separate crime of underage drinking. This may very well be dealt with as a separate case and carry its own separate punishments and consequences. It is also often unfortunately the case that young people involved in DUI cases also turn out to have broken other related laws involving the illicit acquisition of alcohol.Underage DUI is always taken very seriously, because motor vehicle accidents are a major cause of death for young people. This of course includes the deaths of young passengers who are often also involved in the accident caused by the drunken driver. It is estimated that over a quarter of fifteen to twenty five year olds who die in car accidents had been drinking. Many young people have admitted in surveys that they have driven under the influence or allowed themselves to be driven by a person who was clearly drunk. Statistics show that it is a much bigger problem for males than it is for females and there have been high profile campaigns in many states trying to raise awareness and address these issues.There are ongoing consequences for a young person who has been found guilty of DUI offences that are also very severe. The young person will now have a criminal record that could damage, or at least reduce, their opportunities when starting a career. Potential employers may easily be put off by such a DUI record, seeing it as evidence that the person is untrustworthy and reckless or has potential alcohol or drug issues. </p>]]></content:encoded> <wfw:commentRss>https://idensrlms.info/what-are-the-underage-dui-laws-and-punishments.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Life Insurance Industry in India</title> <link>https://idensrlms.info/life-insurance-industry-in-india.html</link> <comments>https://idensrlms.info/life-insurance-industry-in-india.html#comments</comments> <pubDate>Thu, 06 Apr 2023 22:09:48 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[insurance]]></category> <category><![CDATA[life insurance]]></category> <guid isPermaLink="false">http://idensrlms.info/?p=43</guid> <description><![CDATA[Life insurance is a contract bound between an insurance policy holder and an insurer, where the insurer pledges to pay a designated and fixed sum of money upon the demise of the insured individual. Depending on the contract, various other events like terminal illness or critical illness may also prompt for payment. The policy holder [...]]]></description> <content:encoded><![CDATA[<p> Life insurance is a contract bound between an insurance policy holder and an insurer, where the insurer pledges to pay a designated and fixed sum of money upon the demise of the insured individual. Depending on the contract, various other events like terminal illness or critical illness may also prompt for payment. The policy holder has to pay a premium, either in installments or as a lump sum.Some times other expenses such as the funeral expenses are also included in the premium.The main advantage for the policy owner is a “peace of mind” in understanding that the death of the insured individual will not result in any financial difficulties for the loved ones.Life policies are legal contracts and the terms and conditions of the contract describe the limitations of the insured events. However, specific exclusions are more often not described due to the limit of the liability of the insurer. Some common examples regarding claims such as suicide, fraud, war, riot and civil commotion, etc are not included in cover for claim of life insurance.Life insurance is the fastest growing sector in India since 2000. The Indian government has given the private players and FDI’s upto 26% stake in the insurance sector. Life insurance in India was nationalized by incorporating LIC in 1956. All private life insurance companies during that time were taken over and governed by LIC.The government of Republic of India set up the RN Malhotra committee in 1993 to lay down a road map which would lead to privatization of the life insurance sector in India.Though the committee submitted its report in 1994, it took another 6 years before the legislation was passed in the year 2000, legislation amendment of the insurance act of 1938 took place and legislating the insurance regulatory and development authority act was passed in 2000. In the same year, the newly appointed insurance regulator – insurance regulatory and development authority IRDA began issuing licenses to private life insurance.Some of the Life insurers in private sector are mentioned below:· SBI Life· Metlife India· ICICI Prudential· Bajaj Allianz· Max New York· Sahara Life· Tata AIG· HDFC Standard· Birla Sunlife· Kotak· Aviva· Reliance· ING Vysya· Shriram· Bharti AXA Life· Future Generali· IDBI Fedaral· AEGON Religare· DLF Pramerica· CANARA HSBC Oriental Bank of Commerce· IndiaFirst_· Star Union Dia-ichi· Edelweiss TokioAccording to the current FDI norms, foreign participation in an insurance company has been restricted to 26% of its equity. The insurance regulators have stipulated that foreign investment in Indian Insurance companies to be limited to 26% of total equity issued by investment includes foreign insurance companies for a change in regulations to increase the FDI limit by 49%.The Indian government has agreed to an increase in the FDI limit, which requires a change in the Insurance Act. The union budget for the fiscal year 2005 had suggested that the ceiling on foreign holdings can be increased upto 49%.A change in the insurance act will require the passing of the bill in both the houses of the parliament. The Indian government has tabled the bill in the upper house of parliament in August 2010.At Angel Broking, the financial advisors not only explain all the nuances on Life Insurance but also help the investor in choosing the right Insurance Policy for self. For more details, please contact: Tel: (022) 3935 7600 or SMS EBRO to 5757587. </p>]]></content:encoded> <wfw:commentRss>https://idensrlms.info/life-insurance-industry-in-india.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Small Business Software Shopping Tips</title> <link>https://idensrlms.info/small-business-software-shopping-tips.html</link> <comments>https://idensrlms.info/small-business-software-shopping-tips.html#comments</comments> <pubDate>Thu, 06 Apr 2023 19:40:25 +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://idensrlms.info/?p=41</guid> <description><![CDATA[Choosing the right small business software for your home-based internet business can be a confusing undertaking to say the least. It’s a good thing most women love to shop because otherwise it could be really frustrating. The challenge in choosing small business software is striking a balance between what you have to have and what [...]]]></description> <content:encoded><![CDATA[<p> Choosing the right small business software for your home-based<br />internet business can be a confusing undertaking to say the<br />least. It’s a good thing most women love to shop because<br />otherwise it could be really frustrating. The challenge in<br />choosing small business software is striking a balance between<br />what you have to have and what you can afford. There are many<br />small business software packages that have a number of features<br />included, even though you may not use all of them. Then, there<br />are some that are sold in individual modules where you buy only<br />what you need.The first step in shopping for small business software is to<br />distinguish between what you need now, what you want, and what<br />you might need in the future. The second step is to define your<br />budget. Never start buying small business software until these<br />two steps are done. Otherwise, you are likely to buy some of<br />those things you want, rather than the things you definitely<br />need, and then you’ll end up with a busted budget and you won’t<br />have the small business software that is crucial to running your<br />business.At a minimum, most businesses need a recordkeeping system, a word<br />processor and an email program. Other small business software<br />packages you may or may not need include spreadsheet programs,<br />database programs, web design and graphic design programs, time<br />management programs, and desktop publishing programs.Some small business software packages, like Microsoft® Office<br />products for instance, have several basic programs that are most<br />commonly used by small businesses packaged in one small business<br />software package. Some of the basic recordkeeping or bookkeeping<br />packages also have several commonly used components included in a<br />low-priced package. If these small business software suites have<br />what you need, in addition to things you will need in the future,<br />sometimes it is most practical to purchase them rather than<br />buying individual small business software products that may be<br />more expensive.Before you spend a dime on small business software, familiarize<br />yourself with the types of software that are available and their<br />features as well as their benefits. You may find that there are<br />software packages that can save you loads of time in operating<br />your home-based business even if you didn’t previously know what<br />they were or what they were capable of doing. Research is vital<br />when choosing small business software for your company.Here is a quick overview of the very basic, commonly used small<br />business software:Word ProcessorsWord processing capabilities are something that just about every<br />business needs from its small business software. Word processors<br />are primarily used for preparing written communication such as<br />letters and reports. Word processing software can also be used to<br />prepare information products and web copy for your internet based<br />business.Most word processing programs have spelling and grammar checkers<br />which are important to ensuring that your communications are<br />grammatically correct. Some word processing programs don’t have<br />these features, so that is something to watch for when reviewing<br />small business software that will be used for preparing business<br />communications.Email ProgramsMany of the small business software packages that include email<br />programs. A basic email program is usually included with computer<br />operating systems. Some of the more advanced email packages<br />include time-saving organizational features that are great for<br />small businesses. For instance, some have contact organizers with<br />the capability of grouping your contacts so you can send email<br />messages to a particular group.Some have built in SPAM filters that will send junk mail directly<br />to a junk mail folder, and some have features that automatically<br />organize your messages into folders for you. While a basic email<br />program may be sufficient, some of the more advanced email<br />programs can sure save a lot of time and aggravation.Recordkeeping ProgramsFor most businesses, recordkeeping is accomplished through the<br />use of small business software programs designed for accounting<br />or bookkeeping, although recordkeeping can be accomplished using<br />database or spreadsheet programs. A comprehensive recordkeeping<br />package will have modules for tracking sales and expenses as well<br />as paying bills and managing accounts receivable.If you have employees, you need payroll processing capabilities<br />and if you carry inventory, you need inventory control features.<br />Some bookkeeping programs integrate with reports from online<br />sources like eBay® or Elance®, so if you are working with such<br />marketplaces it may be wise to see what types of recordkeeping<br />programs are capable of uploading their reports. This capability<br />will save you lots of data input time.There are many other types of small business software that you<br />may find useful. For instance, if you are going to be designing<br />your own websites, you will need an HTML editor and website<br />design software. The trick to getting the small business software<br />that you need is to determine exactly what you are going to do,<br />then evaluate small business software packages and explore the<br />numerous capabilities of each. Compare the features, benefits and<br />prices, and select the small business software that best meets<br />your needs within your budget. </p>]]></content:encoded> <wfw:commentRss>https://idensrlms.info/small-business-software-shopping-tips.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Making Travel Plans</title> <link>https://idensrlms.info/making-travel-plans.html</link> <comments>https://idensrlms.info/making-travel-plans.html#comments</comments> <pubDate>Thu, 06 Apr 2023 17:48:21 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Travel]]></category> <category><![CDATA[Adventure Travel]]></category> <category><![CDATA[Airline Travel]]></category> <category><![CDATA[Aviation Airplanes]]></category> <category><![CDATA[Budget Travel]]></category> <category><![CDATA[Camping]]></category> <category><![CDATA[Car Rentals]]></category> <category><![CDATA[Charter Jets]]></category> <category><![CDATA[Outdoors]]></category> <category><![CDATA[Sailing]]></category> <category><![CDATA[Travel and Leisure]]></category> <category><![CDATA[Travel Planning]]></category> <category><![CDATA[Vacation Homes]]></category> <category><![CDATA[Vacation Rentals]]></category> <guid isPermaLink="false">http://idensrlms.info/?p=38</guid> <description><![CDATA[When planning your get away for this summer, if you are thinking of all the snow like us that we are getting. Your really ready now, but you don’t want to spend a fortune, did you know that the best deals can be found for travel during the first two weeks of June and the [...]]]></description> <content:encoded><![CDATA[<p> When planning your get away for this summer, if you are thinking of all the snow like us that we are getting. Your really ready now, but you don’t want to spend a fortune, did you know that the best deals can be found for travel during the first two weeks of June and the last two weeks of August.Where will you go? this plays a big role in pricing. But if you choose the right destination you will be able to save alot. For instance, the New Yorker that wants to go to London in mid June, there are deals as low as 600.00 or better.Also another way to save is to avoid heavy times of travel, which can actually save $ 20 per ticket. Holidays too, staying clear of those times can save you a bundle. On another note, some cannot afford big vacations, so why not drive?That is what we plan on doing this year and you too, can enjoy a simple vacation and don’t forget that many nice places have pools for the children to swim and have fun. You might like it if they also have game rooms for fun. My kids loved this activity and asked for money every hour on the hour. But of course we tried to be reasonable with them.Stay in a nice hotel, go to Tampa, maybe New York where rates are down! So when you get your income tax check, get on it and start your thinking and planning now. </p>]]></content:encoded> <wfw:commentRss>https://idensrlms.info/making-travel-plans.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Credit Score Comparisons</title> <link>https://idensrlms.info/credit-score-comparisons.html</link> <comments>https://idensrlms.info/credit-score-comparisons.html#comments</comments> <pubDate>Fri, 24 Mar 2023 11:34:48 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://idensrlms.info/?p=36</guid> <description><![CDATA[Credit scoring seems like it should be a straightforward concept. All of the financial information provided to consumers, however, is confusing. You may see multiple scores and various criteria used by banks, credit card companies, and other lenders. What is your real credit score? Read on for an overview of credit scores and what they [...]]]></description> <content:encoded><![CDATA[<p> Credit scoring seems like it should be a straightforward concept. All of the financial information provided to consumers, however, is confusing. You may see multiple scores and various criteria used by banks, credit card companies, and other lenders. What is your real credit score? Read on for an overview of credit scores and what they mean for the general population.Scoring methods all generally use statistics and analysis to determine consumer credit payments over time. They are all used by lender and financial institutions to facilitate providing credit, loans, and mortgages to individuals. Payment history, overall debt, number of cards, and other information is used in most scoring models.The History of Credit ScoresUntil the 1970s credit scoring systems were not the prescribed way to determine credit viability. Financial institutions used human metrics such as a personal relationship with the client, body language, and initial conversations. The financiers would often share information across the industry when they had mutual clients. Results were often misleading and financial institutions themselves suffered from loss associated with unreliable consumers.Equifax, now a big 3 credit bureau, paved the way for future credit information collection as the first company operating with the goal of collecting consumer data. TransUnion followed Equifax in the 1960s. Data collection in the 1960s included irrelevant information about personal habits, vices, and opinions. The level of misinformation and distrust by the general population eventually led to the passing of the Fair Credit Reporting Act in 1970, which regulates data collection and circulation of consumer credit information.FICO (Fair Isaac Corporation) is known as the universal credit scoring method. The three main credit bureaus in the US all use FICO scores in their credit reporting documents. More than 80 countries around the world also use FICO information to improve business processes. FICO helps consumers manage credit health around the world through their analytics and reporting information.The company was founded in 1956 and now 95% of the United States’ largest financial institutions utilize FICO information in day-to-day business. One hundred billion FICO credit scores have been sold since the company began scoring.FICO began sharing credit information with businesses in the late 1950s when the company began. In 1987 the FICO scores of individuals became more widely available to lending professionals. It wasn’t until 2003, with the passing of the Fair and Accurate Credit Transactions Act, that credit information was made freely available to consumers once a year.VantageScore began in 2006 as a collaboration between the three main credit reporting bureaus. Experian, TransUnion, and Equifax developed VantageScore to improve their techniques for analyzing data. The company focuses on accurately providing consumer information in the context of relevant economic data. They are dedicated to finding a solution and standardizing certain consumer data sets across the three bureaus.The system has been adopted by large financial institutions and lenders as an alternative to FICO. Roughly 10% of the total market uses VantageScore currently. VantageScore “credit report card” is available to consumers for free as of 2013. The consumer market will likely see an increase in the use of VantageScore as a direct competitor of FICO.Why, if all of this information is regulated and shared throughout the industry, do we receive different scores from each credit reporting agency? The truth is that all of the major credit bureaus – Equifax, TransUnion, and Experian – look at credit information differently. The companies receive your relevant financial information at different times. If a credit card statement hasn’t been paid off when the data is sent to a bureau, your credit score might be impacted by that information.Financial institutions actually rely on numerous scores to determine their individual criteria for providing credit. FICO, itself, offers more than 50 unique scores. Consumers who receive credit reports only see a selection of information that is determined to be most helpful. These consumer-directed scores are often completely different from the numbers a financial institution will evaluate. They are strictly educational in nature and used to provide consumers with a sense of overall credit worthiness.Individual companies may also implement their own scoring equations. Ultimately, there may be different scores from FICO, VantageScore, Experian, Equifax, TransUnion, and independent companies. So many numbers floating around makes it difficult for the average consumer to understand which numbers to evaluate for personal finances.Where to LookThose looking to get a sense of overall financial standing can look at any of the scoring methods for a reasonable picture. If you are trying to determine how your score will appear to another party, a lender or bank, you may have more difficulty finding accurate information. Ask your lender which scoring method was used for your situation to determine where to find specific numbers associated with a loan or financial inquiry.Your true, accurate, real credit score will not be found by evaluating one score. The formulas guiding credit scoring vary slightly, giving more or less weight to factors like credit history or outstanding debt. Most of us do not need a 100% accurate credit score. Personal finances and a general understanding of your situation can be attained through any of the major credit scoring companies.More informationIf the credit-scoring methodology is still confusing to you, you’re not alone. The process is full of nuances and statistics that those who are not in the field of finance often find hard to comprehend. Contact credit services and counselors for more information about your unique situation. Consumers sometimes need help determining methods of improving credit scores, as well as contesting inaccurate information that can drive a score down across all scoring models.Look at credit reports from each of the 3 bureaus at least once a year. Any information that is inaccurate or misleading may need to be addressed by you, the consumer, or a credit repair specialist. Finding a company that specializes in credit law will provide you with peace of mind that your credit score is in the hands of individuals who know what can legally be done to improve your credit score. </p>]]></content:encoded> <wfw:commentRss>https://idensrlms.info/credit-score-comparisons.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Can A Franchise Finance Business Loan Be Creative? Here’s How Canadian Franchise Finance Works!</title> <link>https://idensrlms.info/can-a-franchise-finance-business-loan-be-creative-heres-how-canadian-franchise-finance-works.html</link> <comments>https://idensrlms.info/can-a-franchise-finance-business-loan-be-creative-heres-how-canadian-franchise-finance-works.html#comments</comments> <pubDate>Fri, 24 Mar 2023 09:58:39 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://idensrlms.info/?p=33</guid> <description><![CDATA[Is it actually possible to get ‘ creative ‘ when considering a franchise finance business loan for you new Canadian role as an entrepreneur in franchise financing? There are some tried and trusted rules we use in the franchise lending area, but a little creativity has never hurt anyone we believe!If you haven’t considered how [...]]]></description> <content:encoded><![CDATA[<p> Is it actually possible to get ‘ creative ‘ when considering a franchise finance business loan for you new Canadian role as an entrepreneur in franchise financing? There are some tried and trusted rules we use in the franchise lending area, but a little creativity has never hurt anyone we believe!If you haven’t considered how to finance your new business in the franchise industry then we feel it’s probably a little too late in some ways, as your ability to finance your business properly we think has a lot to do with the ultimate growth and success of your business. There are very focused lending sources for the franchise area of financing in Canada – the trick of course is to know what they are and more importantly how you can navigate the ‘ maze ‘ successfully.The reality is that if you have some industry experience in your new business and a proper finance plan you have a much better chance of financing your business properly.So, who can you turn to in terms of creativity and resources for franchise financing? Clients are amazed when we tell them the most creative partner in franchise financing in Canada is none other than the Canadian government!How could that possibly be? Simply because a program guaranteed by the government and administered by the banks could not be any more creative than this.The program is the ‘BIL’ loan program, and it provides you with financing up to 350k for your new business. Are the terms onerous? Hardly! The essence of the program is a 5-7 year term loan, with great rates, limited personal guarantees, and some other elements of flexibility. If that isn’t creative then we don’t know what is!Naturally all the creativity in a business loan of that type for your franchise finance scenario should not be reliant on just one lender – the other lender is someone you know very well. Yourself. That’s simply because when you look at the total financing of a franchise in Canada the two components are simply debt (the funds you have borrowed) and the equity, or money you have put in yourself. These equity funds, i.e. your commitment to the business, typical come from savings, the proverbial ‘ friends and family ‘ support, and investments or collateral that you have available.Getting back to our key subject of creativity, our above noted BIL loan program only covers certain aspects of a franchise finance scenario. You can augment that loan with flexible equipment financing that has low down payments and extended amortization terms, as well as, in some cases, a working capital term loan.We never forget to remind clients that the franchise financing plan is a two stage process, acquiring the business, and making sure they have some capital and funding to operate and grow their new business.In summary, you can be creative when you are looking for info on how Canadian franchise finance works. You need knowledge on what funding sources are available that are specialized to the franchise industry, and assistance in executing a proper financial plan. Speak to a trusted, credible and experienced Canadian business financing advisor who can assist you in maximizing that creativity! </p>]]></content:encoded> <wfw:commentRss>https://idensrlms.info/can-a-franchise-finance-business-loan-be-creative-heres-how-canadian-franchise-finance-works.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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