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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>mbogwln.info</title> <atom:link href="http://mbogwln.info/feed/" rel="self" type="application/rss+xml" /> <link>https://mbogwln.info</link> <description></description> <lastBuildDate>Sat, 13 May 2023 19:48:51 +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>Mortgage Fraud and the Volatile Real Estate Market</title> <link>https://mbogwln.info/mortgage-fraud-and-the-volatile-real-estate-market/</link> <comments>https://mbogwln.info/mortgage-fraud-and-the-volatile-real-estate-market/#comments</comments> <pubDate>Sat, 13 May 2023 19:48:51 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Real Estate]]></category> <category><![CDATA[Building]]></category> <category><![CDATA[Buying]]></category> <category><![CDATA[Commercial]]></category> <category><![CDATA[Commercial Property]]></category> <category><![CDATA[construction]]></category> <category><![CDATA[Home]]></category> <category><![CDATA[Home Staging]]></category> <category><![CDATA[Homes]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Marketing]]></category> <category><![CDATA[Property Management]]></category> <guid isPermaLink="false">http://mbogwln.info/?p=70</guid> <description><![CDATA[When a market is as volatile as the current real estate market, some real estate agent will do whatever is necessary to close that deal. Unfortunately, black hat mortgage closings are on the rise and for the real estate agent this can mean less and less people investing their time and money with the real [...]]]></description> <content:encoded><![CDATA[<p> When a market is as volatile as the current real estate market, some real estate agent will do whatever is necessary to close that deal. Unfortunately, black hat mortgage closings are on the rise and for the real estate agent this can mean less and less people investing their time and money with the real estate agent.When the subprime mortgage market imploded, the world of real estate began to flounder. Agents who were once bringing in the closings hand over fist were now left to live on their savings between sales. Black hat mortgage approvals began to rise and some of these mortgage closings, based on improper information and plain, old fashioned lies were linked to real estate agents.In our world of gossip, it did not take long for the word to spread that real estate agents were using unlawful techniques to close mortgage sales and the potential home buyer, not wanting to get caught up in a legal battle over the purchase of a home began searching for their homes and the best mortgage options on their own.The real estate agent makes money from the closing of the home sale and when the home buyer is not using their services they simply are not making money. How does the real estate agent earn back the buyers trust? By using lawful techniques all the time and verbally acknowledging the improper techniques used by some other real estate agents.When a real estate agent walks into a home deal telling the home owner they will use only the proper lines of approval, there is a trust that is gained between the real estate agent and the home buyer. This trust will be passed on to other home buyers and thus the rebuilding process will begin.In a world of real estate foreclosures and homes being taken back by backs and lenders, the home buyers who are preapproved will have their choice of homes. These home buyers are the saving grace of the real estate agent but capturing that buyers trust can often be harder than selling that next home. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://mbogwln.info/mortgage-fraud-and-the-volatile-real-estate-market/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What Are The Different Types Of Life Insurance Policies?</title> <link>https://mbogwln.info/what-are-the-different-types-of-life-insurance-policies/</link> <comments>https://mbogwln.info/what-are-the-different-types-of-life-insurance-policies/#comments</comments> <pubDate>Sat, 13 May 2023 12:46:41 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[life insurance]]></category> <guid isPermaLink="false">http://mbogwln.info/?p=68</guid> <description><![CDATA[Whole-of-Life CoverThis type of insurance policy explicitly guarantees the insurance beneficiary a predefined payment irrespective of when the insurance benefactor dies. This is unlike the other types of insurance cover that is only obligated to make payment to the beneficiary if the insurance sponsor dies before a specific date.This is perfect for a hypothetical scenario [...]]]></description> <content:encoded><![CDATA[<p> Whole-of-Life CoverThis type of insurance policy explicitly guarantees the insurance beneficiary a predefined payment irrespective of when the insurance benefactor dies. This is unlike the other types of insurance cover that is only obligated to make payment to the beneficiary if the insurance sponsor dies before a specific date.This is perfect for a hypothetical scenario where the insurance in only needed to ensure payment for a mortgage that typically last for 25 years. Whole-of-life policies usually cost more than other types of cover, this is expected because the cover is guaranteed to issue payment at some point in the future.Term insurance is an alternative to be considered in the quest for a cheaper life insurance policyTerm InsuranceTerm insurance also known as term life insurance offers a guaranteed payment to a family provided that the insurance sponsor passes away within a specific period of time. As it were, the paradigm of insurance benefactors is to make sure that in event of the unexpected, their dependants will be able to cover living expenses like a mortgage or loss of income.Bearing in mind that a typical mortgage is paid off in 25 years, it is absolutely unnecessary to extend the life cover beyond this period. Likewise, a policy holder may want the cover to elapse after the children have finished schooling and consequently are independent.Limiting the policy term of a life insurance in this manner will lower the premium to be paid as against whole-life-cover. This type of policy is also referred to as level-term assurance due to the fact that the insurance layout is the same irrespective of the time that the policyholder dies.Decreasing-Term Insurance (also known as mortgage life insurance)There is an alternative option for the prospective holders of term life insurance to have the premium reduce every year. Such a measure is usually adopted to correlate with the eventual decline of mortgage debts as more outstanding debt is settled each year.An example is seen in a hypothetical scenario where someone took a 25-year life term insurance to cover for a £150,000 which correlates with a 25-year mortgage debt. However, after 15 years, a considerable amount of the debt would have been paid off by the mortgage holder.In order to prevent a situation where the policy holder pays more than is required in premiums, decreasing term insurance comes to play in such situations; in essence, the premium will become lower than the normal term insurance.Increasing Term InsuranceIn contrast to decreasing-term insurance, a policyholder may request that the potential payout increase every year to reflect a marginal increase in inflation. With an index-linked policy one can choose to link insurance payout directly to an inflation measure such as the Retail Prices Index (RPI) or Consumer Prices Index (CPI), make a predefined arrangement for the extent of cover to rise by a fixed percentage annually.As such, the premium payable will be higher than level term and decreasing term insurance.Renewable Term InsuranceIn this type of policy, the cover is provided for a fixed period only. An example is health insurance where the period can be extended after it elapses without the need for a further medical check. Although the premium may increase as the policyholder grows older but health issues that arise after the initial policy was taken out will not be considered in the new cost of the policy.Joint Life InsuranceThis is a single policy that will be payable in the event of the death of one of the couple. This is usually cheaper than paying premiums on two separate policies. It is noteworthy to bear in mind that a joint policy will pay out on the first death which also terminates the policy cover. In the event where there are two separate policies, the second policy will remain valid regardless of claims on the first policy.Death-in-Service BenefitsThere are a number of corporate organizations that offer the family of staff a lump sum upon demise while in active service with the firm regardless whether the death is associated with their job. Also members of company pension schemes may also be entitled to payments from the pension if they die before retirement.It is important to take note of the fact that life insurance cover payment is equivalent to three or four years salary in event of a death-in-service. Unfortunately, this amount might not cover the needs of the family and the policy cover may end as soon as one leaves the company. </p>]]></content:encoded> <wfw:commentRss>https://mbogwln.info/what-are-the-different-types-of-life-insurance-policies/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What Makes Digital Scrapbooking Regarded With Great Favor?</title> <link>https://mbogwln.info/what-makes-digital-scrapbooking-regarded-with-great-favor/</link> <comments>https://mbogwln.info/what-makes-digital-scrapbooking-regarded-with-great-favor/#comments</comments> <pubDate>Thu, 11 May 2023 10:12:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Digital Arts]]></category> <category><![CDATA[digita; artist]]></category> <category><![CDATA[digital]]></category> <category><![CDATA[digital art]]></category> <category><![CDATA[digital art app]]></category> <category><![CDATA[digital art for beginners]]></category> <category><![CDATA[digital art in iphone]]></category> <category><![CDATA[digital art mistakes]]></category> <category><![CDATA[digital art on mobile]]></category> <category><![CDATA[digital art on phone]]></category> <category><![CDATA[digital art painting]]></category> <category><![CDATA[digital art process]]></category> <category><![CDATA[digital art programs]]></category> <category><![CDATA[digital art software]]></category> <category><![CDATA[digital art supplies]]></category> <category><![CDATA[digital art tip]]></category> <category><![CDATA[digital art tips]]></category> <category><![CDATA[digital art tutorial]]></category> <category><![CDATA[digital artist]]></category> <category><![CDATA[digital artist setup]]></category> <category><![CDATA[digital drawing]]></category> <category><![CDATA[digital painting]]></category> <category><![CDATA[digital products]]></category> <category><![CDATA[trying digital art]]></category> <category><![CDATA[what is digital art?]]></category> <guid isPermaLink="false">http://mbogwln.info/?p=65</guid> <description><![CDATA[If you are fond of collecting all of those pictures you have at hand, and mounting them on blank books then that’s what you call traditional scrapbooking. What you create from there are memories that you would like to share with your friends, family, and even relatives. However this time around, those creative designs has [...]]]></description> <content:encoded><![CDATA[<p> If you are fond of collecting all of those pictures you have at hand, and mounting them on blank books then that’s what you call traditional scrapbooking. What you create from there are memories that you would like to share with your friends, family, and even relatives. However this time around, those creative designs has already been innovated through digital technology, and these memorabilia technology is what we call digital scrapbooking nowadays.What do you think are the advantages of this form of scrapbooking? The truth is, you’ll find them both enjoyable and less expensive compared to other types of creative art works. But since scrapbooking has been brought to a new digital environment, you can now add a lot of things on your scrap book with so many creative possibilities.Many would say that they would still prefer the usual scrapbooking activities, where you have to cut and paste, buy some accessories, and decorate from there. However, there are some who are more inclined of expanding their creativity through the help of other creative options with the use of a more sophisticated digital option.Through digital scrapbooking, you can assure yourself regarding the safety of the tools that you are going to be using. Instead of using scissors, hole punchers, cutters, and other art supplies, you’ll just have to use templates that are graphically created via graphical softwares. You do not have to worry about your kids being around as you create your digital scrapbook. All you have to do is to access graphics available or digital scrapbooking and you can add it into your digital scrapbook. If you have additional equipment that you can use like scanners, or digital cameras, you can add in the photo’s that you have taken using that. Your options in adding everything that would make your scrapbook not only a work of art, but a masterpiece, is ready for accessibility.Digital scrapbooking is very inexpensive compared to traditional scrapbooking, where you need to spend a lot of money in buying all the decorations that you need. Come to think of it, when you buy a set of ribbons, buttons, beads, and stickers, you wouldn’t be using them all, so where does the other supplies go to? In creating a digital scrapbook, there would be no excess supplies, all you have to do is to fit them all on the screen of your computer.Through the whole process, you will learn how to deal with photo’s and graphics, to have them fit your scrapbook’s page. Cropping and resizing of photo’s and images are the most common activities that you’ll encounter in creating your digital scrapbook. And then you can maximize creativity through layouting, cutting images and shapes, as well as adding photo’s to it. What is more enjoyable about this, is that some scrapbooking providers would allow you to print the pages just in case you choose to have a hard copy.So what are you waiting for? Try taking your photo album into another level, have your photo’s created via a digital scrapbooking software, and share them with people you know, around the world. </p>]]></content:encoded> <wfw:commentRss>https://mbogwln.info/what-makes-digital-scrapbooking-regarded-with-great-favor/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Clean Up My Credit Report. How to Get Rid of Collections</title> <link>https://mbogwln.info/clean-up-my-credit-report-how-to-get-rid-of-collections/</link> <comments>https://mbogwln.info/clean-up-my-credit-report-how-to-get-rid-of-collections/#comments</comments> <pubDate>Wed, 10 May 2023 09:07:09 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Credit Collections]]></category> <guid isPermaLink="false">http://mbogwln.info/?p=63</guid> <description><![CDATA[“How to clean up my credit report?”-that’s the question which bothers most of the 35 million Americans with less that perfect credit. According to the popular myths fixing credit takes years, financial effort and careful budget planning. There are, however, far easier and smarter ways to fix credit report. The only thing needed for fast [...]]]></description> <content:encoded><![CDATA[<p> “How to clean up my credit report?”-that’s the question which bothers most of the 35 million Americans with less that perfect credit. According to the popular myths fixing credit takes years, financial effort and careful budget planning. There are, however, far easier and smarter ways to fix credit report. The only thing needed for fast credit repair is credit knowledge.Here are 3 simple tips that will show you how credit knowledge can be useful in order to clean up your credit report.1. Never pay collections in full. Always settle for less.Collection agencies make a bank out of the huge crowd of misinformed people with bad credit. Debt collectors literally pay pennies for every dollar you owe. If the debt was recently charged off, they pay 5-6 cents a dollar. If it’s an old debt-they pay 1, 5-2 cents a dollar. Old and out-of-state accounts are usually sold for less than a penny per dollar. If you do the math, you will realize that collection agencies still make a pretty handsome profit out of you even if you pay them 25 % or less. And this gives you pretty good leverage when negotiating.2. Validation of debt.Under FCRA( Fair Credit Reporting Act) all credit bureaus, collection agencies and original creditors are required to provide validation of debt upon the request of consumers. If they fail to provide proper documentation, they have to remove the negative item from your credit report. Since most of your debt gets resold to various agencies down the road, most of them don’t have the right paperwork to validate your debt. Use this fact to pressure collection agencies to remove an item from your record.3. Payment for deletion.This is the best thing you can do in order to raise your credit score. A paid collection will not necessarily raise your score. Quite the opposite-it may lower it. A deleted collection, on the other hand, will boost your score instantly. Negotiate with collection agencies and promise to pay them only if they remove the item from your record. Make it sound like a business proposal and remind them of the handsome profit they would make out of you.The answer to the question “how to clean up my credit report” is simple-learn more about the credit system and the various loopholes in it. Once you start thinking outside the box, you’ll be surprised to find how easy credit repair actually is. </p>]]></content:encoded> <wfw:commentRss>https://mbogwln.info/clean-up-my-credit-report-how-to-get-rid-of-collections/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Important SEO Steps to Gain Higher Rankings For Your Website</title> <link>https://mbogwln.info/important-seo-steps-to-gain-higher-rankings-for-your-website/</link> <comments>https://mbogwln.info/important-seo-steps-to-gain-higher-rankings-for-your-website/#comments</comments> <pubDate>Wed, 10 May 2023 06:21:41 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[SEO Directory]]></category> <guid isPermaLink="false">http://mbogwln.info/?p=61</guid> <description><![CDATA[A right SEO strategy implemented in right direction can drive real traffic to your online business. As per this fact, more and more businesses are looking forward to consult SEO experts for building a working SEO strategy for their businesses.An SEO strategy includes enormous number of opportunities / marketing campaigns that best suit your business [...]]]></description> <content:encoded><![CDATA[<p> A right SEO strategy implemented in right direction can drive real traffic to your online business. As per this fact, more and more businesses are looking forward to consult SEO experts for building a working SEO strategy for their businesses.An SEO strategy includes enormous number of opportunities / marketing campaigns that best suit your business promotion to bring your website to the top of the search engine.However, there are certain timeless SEO strategies that always come in useful and would prove to be the preeminent strategies in the online marketing of your business and to gain higher ranking for your site:Keyword Usage: Think like a CustomerDo not target a keyword for SEO just because it seems right to you or because that is how you want your visitors to think, instead, think like your customer, review statistics and keyword research tools to find the keywords with higher search volumes and make sure to finalize your list of most productive keywords to target. You can make use of popular tools such as Google Analytics to see what customers search when they need a service like yours and target the keywords with high search volumes and low competition to get the complete benefit of SEO services. If the customer will find exactly what he wants, your business will get maximum traffic and better sales.Write Proper Content:After getting an appropriate keyword, how you use it will define the amount of traffic you will get. A relevant, grammatically correct and apt SEO optimized content not just impress the major search engines, but also encourage various websites to link to your pages that increases your search engine ranking. Updating the content is also a major part of SEO strategy for attracting valuable traffic to your business. Create a blog or just add on interesting and relevant articles on your website. You may rely upon your SEO Company being hired for the content optimization, content creation and blogging. Visitors like fresh and usable content so they will visit often to your page, which may lead to additional links to your content and ultimately result in higher traffic.Build your links with other sites:A website gets more attention if it is properly linked to various “well reputed” sites. Just getting thousands of inappropriate links will not do much in driving traffic to your sites. Make sure to target relevant, quality sites or directories that are useful and rank well on search engines to get a link back from them. Few link directories might let you submit for free but most require a fee. While, paying for various directories can be expensive it is smarter to hire professional SEO company to get quality link building in reasonable prices.Although, these are some of the timeless SEO strategies but SEO is kind of a guessing game especially with the search engines altering their ranking algorithms constantly. </p>]]></content:encoded> <wfw:commentRss>https://mbogwln.info/important-seo-steps-to-gain-higher-rankings-for-your-website/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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