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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>muovvln.info</title> <atom:link href="http://muovvln.info/feed" rel="self" type="application/rss+xml" /> <link>https://muovvln.info</link> <description>Just another WordPress site</description> <lastBuildDate>Wed, 13 Mar 2024 19:50:53 +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>Student Loan Repayment Plans</title> <link>https://muovvln.info/student-loan-repayment-plans</link> <comments>https://muovvln.info/student-loan-repayment-plans#comments</comments> <pubDate>Thu, 14 Dec 2023 10:28:54 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://muovvln.info/?p=74</guid> <description><![CDATA[  Introduction Student loan repayment can be a daunting task for many individuals who have recently graduated from college. With the rising cost of education, it is important to understand the various repayment plans available to students. This article will provide an overview of the different student loan repayment plans and their benefits. Standard Repayment [...]]]></description> <content:encoded><![CDATA[<p><!--[CDATA[<br /><article><figure><mce:noscript><! <img src="https://tse1.mm.bing.net/th?q=Student%20Loan%20Repayment%20Plans" alt="Student Loan Update How to Get Debt Canceled Under New" width="640" height="360" />--><img class="v-cover ads-img" style="margin-right: 8px; margin-bottom: 8px;" src="https://tse1.mm.bing.net/th?q=Student%20Loan%20Repayment%20Plans" alt="Student Loan Update How to Get Debt Canceled Under New" width="100%" /></p><p> </p><h2>Introduction</h2><p>Student loan repayment can be a daunting task for many individuals who have recently graduated from college. With the rising cost of education, it is important to understand the various repayment plans available to students. This article will provide an overview of the different student loan repayment plans and their benefits.</p><h2>Standard Repayment Plan</h2><p>The standard repayment plan is the most common option for student loan repayment. It requires borrowers to make fixed monthly payments over a period of ten years. This plan is suitable for individuals who can afford to pay off their loans within a shorter timeframe.</p><h2>Income-Driven Repayment Plans</h2><h3>Income-Based Repayment (IBR) Plan</h3><p>The Income-Based Repayment plan allows borrowers to make payments based on their income and family size. The monthly payments are typically capped at 10-15% of the borrower’s discretionary income. This plan is beneficial for individuals with low income or high debt.</p><h3>Pay As You Earn (PAYE) Plan</h3><p>The Pay As You Earn plan is similar to the IBR plan, but with a lower monthly payment cap of 10% of the borrower’s discretionary income. This plan is available to borrowers who took out their loans after a certain date and can be a good option for those with lower income or higher debt.</p><h3>Revised Pay As You Earn (REPAYE) Plan</h3><p>The Revised Pay As You Earn plan is an expanded version of the PAYE plan. It is available to all borrowers regardless of when they took out their loans. Under this plan, the monthly payments are capped at 10% of the borrower’s discretionary income. Additionally, any remaining balance after 20 or 25 years of payments may be forgiven, but it is subject to income tax.</p><h2>Alternative Repayment Plans</h2><h3>Graduated Repayment Plan</h3><p>The Graduated Repayment plan is designed for borrowers with low starting salaries but expect their income to increase over time. The monthly payments start off lower and gradually increase every two years. This plan allows borrowers to adjust their payments based on their income growth.</p><h3>Extended Repayment Plan</h3><p>The Extended Repayment plan extends the repayment period to up to 25 years. This plan is suitable for borrowers who need smaller monthly payments. However, keep in mind that extending the repayment period may result in paying more interest over time.</p><h2>Conclusion</h2><p>Choosing the right student loan repayment plan is crucial for managing your debt effectively. It is important to consider your current financial situation and future goals when selecting a repayment plan. Remember to explore all available options and consult with a financial advisor if needed. By understanding the different plans, you can make an informed decision and successfully repay your student loans.</p><p><span id="more-74"></span></p><p><img style="margin-right: 8px; margin-bottom: 8px;" src="https://i2.wp.com/d.newsweek.com/en/full/2256815/student-loan-forgiveness-update.jpg" alt="Student Loan Update How to Get Debt Canceled Under New" width="100%" /></p><p> </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://muovvln.info/student-loan-repayment-plans/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Tax Loss Harvesting Strategies</title> <link>https://muovvln.info/tax-loss-harvesting-strategies</link> <comments>https://muovvln.info/tax-loss-harvesting-strategies#comments</comments> <pubDate>Thu, 14 Dec 2023 10:21:27 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://muovvln.info/?p=72</guid> <description><![CDATA[  Introduction Tax-loss harvesting is a strategy that can help investors minimize their tax liabilities by offsetting gains with losses. This technique involves selling investments that have experienced losses to offset the capital gains from other investments. How Does Tax-Loss Harvesting Work? When you sell an investment at a loss, you can use that loss [...]]]></description> <content:encoded><![CDATA[<p><!--[CDATA[<br /><article><figure><mce:noscript><! <img src="https://tse1.mm.bing.net/th?q=Tax-Loss%20Harvesting%20Strategies" alt="Tax Loss Harvesting with Vanguard A Step by Step Guide Physician on" width="640" height="360" />--><img class="v-cover ads-img" style="margin-right: 8px; margin-bottom: 8px;" src="https://tse1.mm.bing.net/th?q=Tax-Loss%20Harvesting%20Strategies" alt="Tax Loss Harvesting with Vanguard A Step by Step Guide Physician on" width="100%" /></p><p> </p><h2>Introduction</h2><p>Tax-loss harvesting is a strategy that can help investors minimize their tax liabilities by offsetting gains with losses. This technique involves selling investments that have experienced losses to offset the capital gains from other investments.</p><h2>How Does Tax-Loss Harvesting Work?</h2><p>When you sell an investment at a loss, you can use that loss to offset any capital gains you may have incurred. If your losses exceed your gains, you can use the excess losses to offset up to $3,000 of your ordinary income. Any remaining losses can be carried forward to offset future gains or income.</p><h2>Benefits of Tax-Loss Harvesting</h2><p>One of the key benefits of tax-loss harvesting is that it can help you reduce your tax liability. By strategically selling investments that have experienced losses, you can lower your capital gains tax bill. Additionally, by offsetting gains with losses, you can potentially reduce your overall taxable income.</p><p>Another advantage of tax-loss harvesting is that it can provide an opportunity to rebalance your portfolio. When you sell investments that have experienced losses, you can reinvest the proceeds into other assets or funds that align with your investment goals and risk tolerance.</p><h2>Best Practices for Tax-Loss Harvesting</h2><p>Here are some best practices to consider when implementing tax-loss harvesting strategies:</p><h3>1. Monitor Your Portfolio Regularly</h3><p>Keep a close eye on your investments and identify opportunities to harvest losses throughout the year. This can help you maximize the tax benefits of this strategy.</p><h3>2. Understand Wash Sale Rules</h3><p>Be aware of the IRS wash sale rules, which prevent you from claiming a loss if you repurchase a “substantially identical” investment within 30 days. Make sure to carefully navigate these rules to avoid any penalties.</p><h3>3. Consider Long-Term Capital Gains</h3><p>If you have investments that have experienced long-term capital gains, prioritize selling those investments first. Long-term capital gains are usually taxed at a lower rate than short-term gains, so it makes sense to offset them with losses.</p><h2>Conclusion</h2><p>Tax-loss harvesting strategies can be a valuable tool for investors looking to minimize their tax liabilities. By strategically selling investments that have experienced losses, you can offset gains and potentially reduce your overall taxable income. Remember to consult with a tax advisor or financial professional to ensure you are implementing these strategies correctly and in line with your specific financial goals.</p><p><span id="more-72"></span></p><p><img style="margin-right: 8px; margin-bottom: 8px;" src="https://i2.wp.com/www.elearnmarkets.com/blog/wp-content/uploads/2021/04/my-visual_53601415-1.png" alt="Tax Loss Harvesting The Best Way How to Avoid High Tax" width="100%" /><img style="margin-right: 8px; margin-bottom: 8px;" src="https://i.pinimg.com/originals/4e/8f/06/4e8f063b40aa964b73d648ac0cdb7dee.png" alt="Tax Loss Harvesting with Vanguard A Step by Step Guide Physician on" width="100%" /></p><p> </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://muovvln.info/tax-loss-harvesting-strategies/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Home Buying Process Steps</title> <link>https://muovvln.info/home-buying-process-steps</link> <comments>https://muovvln.info/home-buying-process-steps#comments</comments> <pubDate>Thu, 14 Dec 2023 10:11:40 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://muovvln.info/?p=70</guid> <description><![CDATA[Introduction Buying a home can be an exciting but overwhelming process. Whether you are a first-time homebuyer or have gone through the process before, it’s important to understand the steps involved in purchasing a home. In this article, we will outline the essential steps to help you navigate the home buying process in 2023. 1. [...]]]></description> <content:encoded><![CDATA[<p><!--[CDATA[<br /><article><figure><mce:noscript><! <img src="https://tse1.mm.bing.net/th?q=Home%20Buying%20Process%20Steps" alt="Home Buying Process Super Brokers" width="640" height="360" />--><img class="v-cover ads-img" style="margin-right: 8px; margin-bottom: 8px;" src="https://tse1.mm.bing.net/th?q=Home%20Buying%20Process%20Steps" alt="Home Buying Process Super Brokers" width="100%" /></p><h2>Introduction</h2><p>Buying a home can be an exciting but overwhelming process. Whether you are a first-time homebuyer or have gone through the process before, it’s important to understand the steps involved in purchasing a home. In this article, we will outline the essential steps to help you navigate the home buying process in 2023.</p><h2>1. Determine Your Budget</h2><p>The first step in buying a home is to determine your budget. Assess your financial situation, including your income, expenses, and savings. Consider getting pre-approved for a mortgage to understand how much you can afford to spend on a home.</p><h2>2. Research and Select a Neighborhood</h2><p>Next, research and select a neighborhood that suits your needs and preferences. Consider factors such as proximity to schools, amenities, transportation, and safety. Take the time to visit different neighborhoods and explore their offerings.</p><h2>3. Find a Real Estate Agent</h2><p>Working with a real estate agent can greatly simplify the home buying process. Find a reputable real estate agent who is familiar with the local market and understands your specific requirements. They will guide you through the process, provide expert advice, and help you find suitable properties.</p><h2>4. Start House Hunting</h2><p>Once you have determined your budget and selected a neighborhood, it’s time to start house hunting. Browse online listings, attend open houses, and schedule private showings with your real estate agent. Take note of important features, such as the number of bedrooms, bathrooms, and overall condition of the property.</p><h2>5. Make an Offer</h2><p>When you find a home that meets your criteria, work with your real estate agent to make an offer. Consider factors such as the listing price, market conditions, and any necessary repairs or renovations. Your agent will help negotiate with the seller to reach a mutually beneficial agreement.</p><h2>6. Get a Home Inspection</h2><p>Before finalizing the purchase, it’s crucial to get a home inspection. Hire a professional inspector to thoroughly assess the property for any structural, electrical, or plumbing issues. The inspection report will help you make an informed decision and negotiate repairs, if necessary.</p><h2>7. Secure Financing</h2><p>Once your offer is accepted and the inspection is satisfactory, it’s time to secure financing. Work with your lender to complete the mortgage application process. Provide all necessary documents and information, and be prepared to pay closing costs.</p><h2>8. Review and Sign Documents</h2><p>Review all the legal documents related to the purchase, such as the purchase agreement, mortgage agreement, and property disclosures. Understand the terms and conditions before signing. Seek legal advice if needed.</p><h2>9. Complete the Closing Process</h2><p>The closing process involves transferring ownership of the property from the seller to the buyer. This typically includes a final walkthrough of the property, signing the necessary paperwork, and paying any remaining closing costs. Once completed, you will receive the keys to your new home.</p><h2>10. Move In and Settle</h2><p>Congratulations! You are now a homeowner. Take the time to settle into your new home, arrange for utilities, and update your address. Consider hiring professional movers to make the process easier. Enjoy the excitement and pride of owning your own home.</p><h3>Conclusion</h3><p>The home buying process can be overwhelming, but by following these steps, you can navigate it with confidence. Remember to do thorough research, work with professionals, and stay within your budget. With careful planning and preparation, you’ll soon be enjoying the comfort and security of your new home.</p><p><span id="more-70"></span></p><p><img style="margin-right: 8px; margin-bottom: 8px;" src="https://i2.wp.com/www.superbrokers.ca/assets/images/social-media/steps-to-home-buying-in-canada.png" alt="Home Buying Process Super Brokers" width="100%" /></p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://muovvln.info/home-buying-process-steps/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Common Life Insurance Traps And How To Avoid Them</title> <link>https://muovvln.info/common-life-insurance-traps-and-how-to-avoid-them</link> <comments>https://muovvln.info/common-life-insurance-traps-and-how-to-avoid-them#comments</comments> <pubDate>Sun, 02 Apr 2023 02:03:19 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Insurance]]></category> <guid isPermaLink="false">http://muovvln.info/?p=65</guid> <description><![CDATA[Beware these common traps made with life insurance that can reduce its value to your family … or leave you paying a bundle to the IRS.Trap: Owning too much life insurance, too long. During the years you are working and raising a family, you probably need a substantial amount of life insurance to protect your [...]]]></description> <content:encoded><![CDATA[<p> Beware these common traps made with life insurance that can reduce its value to your family … or leave you paying a bundle to the IRS.Trap: Owning too much life insurance, too long. During the years you are working and raising a family, you probably need a substantial amount of life insurance to protect your family against the possible loss of your income.But as your senior years approach – with your children grown, the mortgage paid off and retirement accounts funded – your insurance needs may be sharply reduced.For many, the justification for owning life insurance is to finance estate taxes. But this need has been reduced by recent tax law changes that increase the estate and gift tax exemption amount for individuals to $1 million.By paying for unneeded insurance protection, you pass up the opportunity to acquire higher yield investments.STRATEGYReview your insurance needs in light of changes in your personal circumstances and in your estate tax exposure. If you find that you own too much insurance, consider..*Swapping your life insurance for a tax-deferred annuity issued by an insurance company to obtain an increased investment return. This can be arranged through a tax-free exchange, which enables you to avoid any taxable gain on the disposition of the insurance policy.*Donating your insurance policy to charity. You’ll get a tax deduction for the cost basis in the policy-generally, the amount of premiums you’ve paid into it.*Making a gift of the policy to your child or grandchild. The policy benefit will be tax free to the recipient, giving the child a valuable head start on financial security. The gift also will remove the policy from your taxable estate, assuming you survive three years after the gift.You can avoid paying gift tax on the transfer by utilizing your annual gift tax exclusion (currently $10,000 per recipient, or $20,000 when gifts are made by a married couple) and, if necessary, using part of your estate and gift tax exempt amount.*Cashing in the policy. This will put cash in your pocket, but you will realize taxable income to the extent that the amount received for the policy exceeds what you paid into it through premiums.Estate tax planning: If you find you still need some life insurance to finance potential estate taxes, consider using a second-to-die policy that covers both you and your spouse and pays its benefit on the death of the survivor.The estate tax marital deduction lets all of one spouse’s assets pass estate tax free to the surviving spouse, so it is on the death of the surviving spouse that a couple’s estate tax liability becomes due.A second-to-die policy can provide funds to finance such an estate tax bill at substantially less cost than that of buying two insurance policies to cover each spouse separately.TRAPS*Owning insurance on your own life. This can cause insurance proceeds to be subject to estate tax at rates of up to 55%, because when you die owning a policy on your own life the proceeds are included in your taxable estate.Avoid this trap by having the policy beneficiary own it, or by creating a life insurance trust to hold the policy and distribute the proceeds according to your instructions.You can still finance the premiums on the policy by making gifts to the policy owner (beneficiary or trust), using your annual gift tax exclusion to shelter the gifts from tax.Benefit: When insurance on your life is owned by the beneficiary, the insurance proceeds will be estate and income tax free.Related mistakes to avoid…*Owning insurance on your own life and naming your spouse as your beneficiary. The insurance proceeds will escape estate tax on your death due to the unlimited marital deduction – but if your spouse dies owning the proceeds, they will be taxable in his/her estate.*Owning insurance on one person’s life and naming a third person as beneficiary.Example: One spouse owns insurance on the other spouse’s life, and names a child as beneficiary.The trap here is that because the policy owner controls the designation of the beneficiary, the payment of the benefit to the beneficiary is deemed to be a taxable gift made by the policy owner.Again, avoid this trap by having the beneficiary own the life insurance policy, or by having a life insurance trust own the policy.Important: If you set up a life insurance trust to own insurance, be sure the trust is drafted by a specialist in the area. Trust documents drafted by nonspecialists can easily contain mistaken bad language that fails to comply with technical requirements, thus causing the trust to fail.*Borrowmg against life insurance. It can be tempting to borrow against life insurance, because policy loans can provide a tax-free source of cash and carry a low interest rate.But a couple of traps may result from borrowing against insurance…*When you borrow against insurance you reduce the insurance benefit for which you presumably bought the insurance, leaving your family more exposed to financial risk.Dangerous scenario: Typically, interest on a loan against insurance is not paid in cash but is charged against the policy. If the loan is not repaid and the interest compounds, the loan can grow until it equals the policy’s value. Then the policy will terminate, and you will realize taxable income in the amount of the unpaid loan (a “forgiven debt”) minus your basis in the policy even though you receive no cash income with which to pay the tax.*If you borrow against insurance and then transfer the policy to another person, the policy benefit may become subject to income tax.Why: When a policy that has been borrowed against is transferred by gift, the recipient is deemed to have purchased the policy by assuming the outstanding loan obligation, with the amount of the assumed loan being the purchase price.And, under the Tax Code, when an existing life insurance policy is purchased the policy benefit becomes taxable income to the purchaser if the purchase price exceeds the donor’s basis in the policy.Example: A parent owns a $500,000 insurance policy on his/her own life that has a $100,000 cash value. He has a cost basis of $60,000 in the policy. He borrows $90,000 from the policy to reduce its cash value to $10,000, then makes a gift of the policy to a child.The result is that the child is deemed to have purchased the policy by assuming the $90,000 loan obligation. Therefore $410,000 of the policy benefit will be taxable income to the child when paid out, instead of being tax free.Bottom line: Loans cause problems, so it’s best not to take out loans against life insurance.If you’ve already taken out loans against life insurance, review them with an expert for any unexpected problems they may cause. </p>]]></content:encoded> <wfw:commentRss>https://muovvln.info/common-life-insurance-traps-and-how-to-avoid-them/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How Leading-Edge Technologies Have Changed The Diners Business</title> <link>https://muovvln.info/how-leading-edge-technologies-have-changed-the-diners-business</link> <comments>https://muovvln.info/how-leading-edge-technologies-have-changed-the-diners-business#comments</comments> <pubDate>Sat, 01 Apr 2023 21:55:23 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Technology]]></category> <guid isPermaLink="false">http://muovvln.info/?p=63</guid> <description><![CDATA[Technology has a significant impact on every business. Competing with the market without opting for innovative technologies is difficult. Diners are also striving hard to meet market standards, and these standards are 80% based on technology. If you are new to this restaurant industry, then you will have to opt for all the possible techniques [...]]]></description> <content:encoded><![CDATA[<p> Technology has a significant impact on every business. Competing with the market without opting for innovative technologies is difficult. Diners are also striving hard to meet market standards, and these standards are 80% based on technology. If you are new to this restaurant industry, then you will have to opt for all the possible techniques to seek the attention of foodies. Now a days, only those are successful that hit big with latest technologies. By reading this article, you will get to know how leading-edge technologies have revolutionized the restaurants. It doesn’t matter whether they are running big cafeterias or smaller ones, cutting-edge technology has mesmerized the diners across the globe.Moving on to Social mediaSocial media has wiped out all the traditional promotion techniques that were widely used a few years ago. Now diners don’t have to go door to door for pamphlet distribution or take help of TV advertisements. They just have to publish their upcoming deals or succulent food pictures for promotion. Social media has blessed all the restaurants with huge customer traffic, but the competent handling of social media profiles is another dilemma. You have to stay responsive for different customers’ inquiries. It helps Restaurateurs in improving their business.Online orderingDue to busy life, it’s difficult for everyone to visit your restaurant every day. Either customers have to postpone their plan till weekend or have to take out time from hectic routine just to visit your place. Now technology has made this option hassle-free for all the epicures. Online ordering has made all the foodies lives convenient through a click, and getting the desired meal in few minutes has become much easier than ever. Just hold a smart phone, download the relevant restaurant app and place your order by choosing anything from the menu to put an end to your craving. If you want to enjoy the ambiance then you have to pay the visit otherwise online reviews and other customers’ feedback help you know the whole story.Hassle-Free PaymentOnline payment method have brought tremendous change in the life style of foodies. In online ordering, you can pay on the spot pay form your bed room or even pay for your family or friends, regardless of their distance from you. Numerous diners have developed payment systems just to accelerate the speed or accuracy especially in rush hours. Chances of miscommunication at the counter will be greatly reduced. Pay your Meal bills without carrying cash.Advanced POS SystemsNow a days, different restaurants have their own advanced POS systems. These systems are helping restaurateurs to manage inventory, daily sales, staff’s performance measurement, sale insights, table reservation details and much more. Various softwares are available in the market that are intelligent enough to meet all the diners’ needs. This is imperative to achieve business standards by adding such systems into your business. Later on, you can integrate add-ons as per your business requirement.Quick Table ReservationTable reservation has expedited for both diners and epicures. They can quickly check the table reservation. Management can evaluate easily about how many tables have been reserved yet. Table booking system allows the manger and the customer to book or find vacant tables, without any communication gap. Now by sitting at home you can assess all the details or majority softwares have table selection option too.Restaurant Sale InsightsA few years ago, there was a time when sales insights were hard to check. It was impossible to track the sales that went beyond past three or four months. Now powerful online tools and softwares, such as POS has allowed us for rapid sale calculations. These softwares can even make projections of future sales and estimate the seasonal trends. Hasn’t this become easy? Detail insights help all the restaurateurs to figure out the failure reason as well. So we can say that these are the best gifts of technology where everyone in the restaurant industry can optimize their performance.Safe environmentDiners are not working only for ambiance, food and sales. They are also offering a safe environment to their valuable foodies. Numerous restaurants have installed the CCTV cameras and other monitoring systems to keep an eye on all the restaurant activities. Safer environment would give peace of mind to all the people for safe dining, which leads to a more delightful experience and the best customer’s reviews.An Entire new look of the restaurantCountless blessings of technologies have left us spellbound. You might have a complete idea now about multiple technological features of the restaurant. It doesn’t matter whether clients are reserving a table or placing the order, everything is designed to satisfy customers. Customer comments and reviews can give a hint to future clients about restaurant ambiance, taste and other aspects through these 3D videos. A perfect feature can be used for promotion of your place. </p>]]></content:encoded> <wfw:commentRss>https://muovvln.info/how-leading-edge-technologies-have-changed-the-diners-business/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Search Results</title> <link>https://muovvln.info/search-results</link> <comments>https://muovvln.info/search-results#comments</comments> <pubDate>Sat, 01 Apr 2023 15:32:58 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Philanthropy Charitable Giving]]></category> <guid isPermaLink="false">http://muovvln.info/?p=61</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://muovvln.info/search-results/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Declaration of War and My Guide to Fighting Disease</title> <link>https://muovvln.info/declaration-of-war-and-my-guide-to-fighting-disease</link> <comments>https://muovvln.info/declaration-of-war-and-my-guide-to-fighting-disease#comments</comments> <pubDate>Sat, 01 Apr 2023 11:31:04 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Speech Pathology]]></category> <guid isPermaLink="false">http://muovvln.info/?p=58</guid> <description><![CDATA[As a victim of autoimmune disease myself, I can certainly tell you that trying to fight it or even remain in a general ”healthy” state is not an easy task. After being diagnosed with the ”Behcet’s Syndrome” my life quickly fell to pieces. At the very tender and wonderful age of 22 were my dreams [...]]]></description> <content:encoded><![CDATA[<p> As a victim of autoimmune disease myself, I can certainly tell you that trying to fight it or even remain in a general ”healthy” state is not an easy task. After being diagnosed with the ”Behcet’s Syndrome” my life quickly fell to pieces. At the very tender and wonderful age of 22 were my dreams for life and general expectations were huge, and my hunger for some nasty sexual experimentation as well, I suddenly felt like crap to say the least.So now what?Several years of some heavy drug medication followed in the general aim to fight off the disease and keep the worse from happening. This basically translated into 48mg of Prednisone and 50mg of Azathioprine a day, the one being a cortical-steroid and the latter an immune-suppressant drug. The game was on but the effects that these drugs had on my body and physiology were immense, My muscles were in atrophy, body fat went up due to severe water retention, bio-markers all messed up and in general any attempt on body re-composition was a failure. As these were not enough I had to undergo four different surgeries in my eyes because of the side effects from the heavy drug use. Interestingly enough, the drugs used to cure me, managed to create a serious mess in my body. So two cataract surgeries were performed as well as an additional glaucoma surgery for the installment of a valve in my right eye to prevent ocular tension.And that is just great..!It was obvious to me that something had to change if I wanted to get my life back eventually and that something was nothing more than my mentality.Human beings have an amazing amount of willpower that will come out in a time of need, after all we have survived some horrific shit through the ages. So the only thing holding me back from at least trying to fight my enemy was basically me.Knowing your enemy is a prerequisite if you want to win a war so I ventured off in a journey of education of the science of human physiology in general. Clinical Nutrition and Exercise Science showed me the way to gain back my general state of well-being and health. Experimenting with specific nutritional and training protocols ever since, I managed to stay healthy and put the disease to sleep. My doctors were happy as the disease gradually declined and the drugs used could now be minimized and then stopped. The one thing my Doctors still do not know is that I ceased all medication by myself a couple of years ago and my only drugs were nutrition, training and tons of determination.Let me now elaborate on my ”guide” on how to fight your disease and announce your personal declaration of war… at least this is how I chose to do it.</p><p>Education – Knowing your enemy is of paramount importance if you wish to come out victorious. After all we are talking about your own health so find the time to learn anything regarding your pathology, drugs, symptoms, effects, contradictions, holistic medicine or even nutrition and training and how it can help improve your condition. Let the doctors know that you mean business and their simple solutions of mere drug use are not enough… you want results.</p><p>Specificity – We are all unique beings so your approach in this fight must be unique. Any nutritional, protocol or drug related protocol you decide to use must be specifically designed on your own needs. What will work for others will most likely not work for you, so be specific. You are probably a patient of a particular disease so anything you utilize must be targeted to that particular case.</p><p>Experiment – There is no point in getting educated and specific if you are not willing to try out your new findings. This is quite enjoyable really as you become your own guinea pig and get to apply some real life science in your life. Moderation is always beneficial so do not go nuts on testing new feeding habits or training styles as you could end up fatigued or even more damaged. If something works use it and if not move on. Regular blood tests and other data here is required in order to assess your progress and keep everything in check. Regular visits to your physician and making him nuts on your new ideas is highly recommended. He will now see you mean business and hopefully will keep you in track.</p><p>Mental Focus – You now have all the tools needed to start your fight against disease but need to find the willpower for your battles. Look to find your motivation in any sort of way possible. You need to be extremely decisive and disciplined in your struggle, It is you against your own self at this point so you have to remain strong, disciplined and well motivated. Fighting disease is not easy and whatever the outcome you must keep on fighting it like there is no tomorrow. You will always fight and you will never quit… never… never… NEVER..!!</p><p>Declaration of War – Its time to command your army and allies to victory. You mean business and winning the war against disease is your life’s goal. There will be no deviations, you will always be motivated, disciplined and hungry for victory. Times of defeat might occur and distractions will appear, make no mistake, but it is your personal duty to your own self to remain focused on your goal of living a good and healthy life away from disease.<br />We live in a free world, or so we imagine, every human on this earth is entitled to freedom of speech and choice so it only logical for people to be allowed the option of fighting their disease with weapons that could be slightly against the mainstream medical industry. This article describes my journey in fighting my own syndrome and how it helped me regain my health. Relying on drugs may not always be the optimal solution and people will need to be aware of all possibilities that could aid them in their recovery.In ConclusionFighting disease is a painful experience and as the world’s rates of autoimmune disease and other medical conditions rise, the medical industry must become more effective and aid people in their struggle or it will find itself with a big surprise. People will get educated and will find the solution one way or another. It is time to stop thinking only about the profits generated but of our overall health.The war on disease is now on you are free to choose on how you fight it. Whatever your choice might be I only ask one thing of you…Be Strong and Never Quit </p>]]></content:encoded> <wfw:commentRss>https://muovvln.info/declaration-of-war-and-my-guide-to-fighting-disease/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Server not found</title> <link>https://muovvln.info/server-not-found</link> <comments>https://muovvln.info/server-not-found#comments</comments> <pubDate>Sat, 01 Apr 2023 00:31:57 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Fashion Design]]></category> <guid isPermaLink="false">http://muovvln.info/?p=56</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://muovvln.info/server-not-found/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Effective Ways To Get Small Business Loan</title> <link>https://muovvln.info/effective-ways-to-get-small-business-loan</link> <comments>https://muovvln.info/effective-ways-to-get-small-business-loan#comments</comments> <pubDate>Sat, 25 Mar 2023 08:53:53 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Investing]]></category> <guid isPermaLink="false">http://muovvln.info/?p=54</guid> <description><![CDATA[It’s undeniable that most lenders consider small businesses as risks. As a result, aspiring small business owners have a hard time getting their small business loans approved. However, one can still have his or her loan proposals approved as long as he or she takes the following useful tips before applying for such business loans.Lenders [...]]]></description> <content:encoded><![CDATA[<p> It’s undeniable that most lenders consider small businesses as risks. As a result, aspiring small business owners have a hard time getting their small business loans approved. However, one can still have his or her loan proposals approved as long as he or she takes the following useful tips before applying for such business loans.Lenders share common expectations from small business owners. With this in mind, you can think like them and ask questions that they may ask you. You may also ask yourself some questions that you would also want to know if someone would borrow some money from you. Always make it to a point that you prepare all possible questions that they may be asking you by conducting your own research. You can check what information the banks need when someone applies for business loans. Also check the requirements of your government agencies or perhaps with some of friends regarding loans. Be certain to include the interest rates in your homework so you can have a comparison.Once you are finished with your research, always prepare a realistic business proposal. Be sure that you include the important documents that support your proposal. Make sure that you’re ready before presenting your proposal to your loan officer so everything goes smoothly.Be sure to indicate the amount that you need. This will help you give your lender a good picture that you know what you are trying to set up. Other than this, be certain that you prepare them a list of your assets and even liabilities. This will make them feel that you always prepare for major risks that may arise in the future. Letting them know about yr assets will also help them know that you have collateral if problems may arise in the future regarding payments.Since a lot of lenders consider small businesses as high risks, make sure that you let them know that your venture is different. Provide all the useful documents that can support that your business is truly a good risk. Prepare solid data about your business and show that your proposals are indeed reliable.With these facts, obtaining a good credit history is an absolute need. If not, you can at least have your credit history in order. Be certain that there are no problems or errors on them. If there are, make sure that you send a letter of dispute so it can be corrected and you won’t have a hard time getting your loan proposal approved. Or, if you have some defaults or late payments on your credit report, explain to your loan officer why they are there.In addition, always be ready to talk about your expertise or experience in relation to the business that you have chosen. If you really want to succeed in your business venture, do not forget to portray a very determined character so your loan officer will see that you are a good risk. These preparations can definitely help you acquire small business loans easily. </p>]]></content:encoded> <wfw:commentRss>https://muovvln.info/effective-ways-to-get-small-business-loan/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What Are Qualifications for a Business Loan</title> <link>https://muovvln.info/what-are-qualifications-for-a-business-loan</link> <comments>https://muovvln.info/what-are-qualifications-for-a-business-loan#comments</comments> <pubDate>Sat, 25 Mar 2023 07:22:03 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Investing]]></category> <guid isPermaLink="false">http://muovvln.info/?p=52</guid> <description><![CDATA[Do you have a business or would you like to start a business? The main reason most business fail is they lack access to adequate funding for their business. These are the criteria necessary to qualify for a business loan. If you meet all the guidelines you will qualify for the best rates and terms [...]]]></description> <content:encoded><![CDATA[<p> Do you have a business or would you like to start a business? The main reason most business fail is they lack access to adequate funding for their business. These are the criteria necessary to qualify for a business loan. If you meet all the guidelines you will qualify for the best rates and terms with the lowest costs. If you do not meet all criteria for conventional financing you may still qualify for a business loan, even as a start up company. That is the role of Venture Capital and Private Equity FinancingYou may have heard of the 3 “C”s of lending or maybe 4 “C”s. They are Cash Flow, Credit, Collateral, and Character. The first three “C”s are objective. They are hard and fast with little or no grey area. For instance if the program requires a minimum credit score of 680, you either have it or you do not. If the requirement is for a specific minimum cash flow or net operating income, or a specific value of acceptable collateral you have them or not. Whereas the last “C” (Character) is subjective. That means the underwriter looks at the information as a positive or minus and determine whether to fund a borderline deal or not.Lets look more closely at these Qualifications.CASH FLOW: Most programs state specifically what the cash flow requirements are to qualify for funding. Even if the additional capital would improve cash flow, the underwriting is based on historical numbers with the most weight applied to what you are doing now and what you have done most recently. In other words you must be currently generating enough cash to be able to afford the new loan. Rarely will a lender base an approval on the impact the additional funds will have on the business cash flow. Alternatively, if you can not demonstrate a positive increase in cash flow, that could be reason enough to deny a convention or traditional bank loan.If you apply for a Business Revenue Loan you may qualify solely based on the average monthly revenue the business generates. This means the loan is a cash flow loan. Additionally, Venture Capital, and Private Equity Loans are made on the strength of your projected cash flow versus the historical cash flow.CREDIT: There is a misconception that if you have good credit you qualify for a loan or if you have bad credit you do not qualify for a loan. Credit is but one criteria in underwriting a business or person for financing. Yes a credit score is very important as it shows past performance and is a statistical indicator of future performance. As such a low credit score may be a reason for denial in some programs and in other programs a high credit score with an acceptable credit profile is the only criteria necessary to qualify. The second misconception is every thing is based on the credit score. When credit is analyzed there are many more criteria that come into play than just the score. The length of credit history, the number of accounts, the high credit limits are all part of the reviewing a credit profile. Simply put, young person with 1 credit card with a $500 credit limit and 1 or 2 year history of good payments who has the same credit score of a middle aged person with 25 years of credit history $25,000 of credit limits and many accounts open active as well as many accounts paid as agreed do not have the same credit profile. They may have the same score.Ultimately, there are programs strictly and solely based on credit score and credit profile. They are riskier than someone that qualifies for all criteria. With higher risk to lender comes higher costs to the borrower.COLLATERAL: To reduce risk of loss on any loan lenders require collateral so that in the event of a default they can be repaid. The Collateral serves two purposes. The first purpose is to indemnify the lender in event of loss. The second purpose is to deter loss. For example if a borrower had 2 loans, one with collateral and one without collateral, and the borrower could only pay one which would get paid?Like Cash Flow and Credit, there are programs that will lend strictly on Collateral. These are generally private funding deals and the terms are much higher than conventional loans.CHARACTER: Some financing programs factor Character criteria into objective requirements to qualify for financing. Consider minimum time in business amount of cash reserves in the bank. These are character requirements equal a turn down in some financing programs or are considered compensating factors in others. There are no loans for people who have no positive Cash Flow (historical or future), no positive Credit, or no Collateral, but have good character qualities. All loans must make financial sense and meet risk reward requirements of the lender.RISK VERSUS REWARD: The loans that meet all the conventional guidelines have the least risk and therefore the lowest rate and lowest costs. Any loan that lacks Cash Flow or Credit or Collateral have higher risks and therefore higher costs. As a business owner you must determine if the costs of borrowing money, regardless of costs is beneficial for your business and your business will profitably grow because of the financing. If that is the case the financing is good for you business regardless of costs. The one point is that you must always determine you are getting the best deal you qualify for. Venture Capital and Private Equity Financing will be a higher costs but as a business this type of financing can help you get started and or grow to new heights when no conventional options are available. </p>]]></content:encoded> <wfw:commentRss>https://muovvln.info/what-are-qualifications-for-a-business-loan/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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