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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>ndgoeln.info</title> <atom:link href="http://ndgoeln.info/feed" rel="self" type="application/rss+xml" /> <link>https://ndgoeln.info</link> <description>Just another WordPress site</description> <lastBuildDate>Wed, 13 Mar 2024 19:15:11 +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>Roth Ira Vs. Traditional Ira</title> <link>https://ndgoeln.info/roth-ira-vs-traditional-ira</link> <comments>https://ndgoeln.info/roth-ira-vs-traditional-ira#comments</comments> <pubDate>Mon, 11 Dec 2023 13:43:15 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ndgoeln.info/?p=63</guid> <description><![CDATA[Introduction When it comes to retirement savings, individuals have several options to choose from, including Roth IRA and Traditional IRA. Both of these investment accounts offer tax advantages, but they differ in terms of contribution rules, tax treatment, and withdrawal requirements. Roth IRA A Roth IRA is an individual retirement account that allows individuals to [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="TRADITIONAL IRA VS ROTH IRA" src="https://i2.wp.com/uploads-ssl.webflow.com/5c9ffbcbf4c36ec19d7d19fd/5cd9f3bb54fe38e10c5ee852_Traditional vs Roth Overview v2.png" _mce_src="https://i2.wp.com/uploads-ssl.webflow.com/5c9ffbcbf4c36ec19d7d19fd/5cd9f3bb54fe38e10c5ee852_Traditional vs Roth Overview v2.png" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><p><head></head><body></p><h2>Introduction</h2><p>When it comes to retirement savings, individuals have several options to choose from, including Roth IRA and Traditional IRA. Both of these investment accounts offer tax advantages, but they differ in terms of contribution rules, tax treatment, and withdrawal requirements.</p><h2>Roth IRA</h2><p>A Roth IRA is an individual retirement account that allows individuals to contribute after-tax income. The contributions made to a Roth IRA are not tax-deductible, but the earnings grow tax-free. This means that when you withdraw funds from a Roth IRA during retirement, you won’t owe any taxes on the earnings.</p><h3>Contribution Limits</h3><p>In 2023, the contribution limit for a Roth IRA is $6,000 for individuals under the age of 50, and $7,000 for individuals aged 50 and above. These limits are subject to income restrictions, and individuals with higher incomes may not be eligible to contribute to a Roth IRA.</p><h3>Tax Treatment</h3><p>As mentioned earlier, contributions to a Roth IRA are made with after-tax income. This means that you don’t get any tax deductions in the year of contribution. However, the advantage lies in the tax-free growth and tax-free withdrawals during retirement.</p><h3>Withdrawal Rules</h3><p>One of the key benefits of a Roth IRA is that you can withdraw your contributions at any time without incurring any penalties or taxes. However, if you withdraw the earnings before the age of 59 ½ and before the account has been open for at least 5 years, you may have to pay taxes and penalties on the earnings portion.</p><h2>Traditional IRA</h2><p>A Traditional IRA is another type of individual retirement account that allows individuals to contribute pre-tax income. This means that you can deduct the contributions made to a Traditional IRA from your taxable income in the year of contribution. However, the withdrawals during retirement are subject to income tax.</p><h3>Contribution Limits</h3><p>The contribution limits for a Traditional IRA in 2023 are the same as those for a Roth IRA – $6,000 for individuals under the age of 50, and $7,000 for individuals aged 50 and above. However, unlike the Roth IRA, Traditional IRA contributions are subject to income restrictions.</p><h3>Tax Treatment</h3><p>Contributions to a Traditional IRA are tax-deductible in the year of contribution. This means that you can reduce your taxable income by the amount of your contribution. However, the earnings in the Traditional IRA grow tax-deferred, meaning you’ll have to pay taxes on the withdrawals during retirement.</p><h3>Withdrawal Rules</h3><p>Withdrawals from a Traditional IRA are subject to income tax. If you withdraw funds before the age of 59 ½, you may also have to pay a 10% early withdrawal penalty. However, there are exceptions to this penalty, such as using the funds for qualified higher education expenses or a first-time home purchase.</p><h2>Choosing Between Roth IRA and Traditional IRA</h2><p>The decision between a Roth IRA and a Traditional IRA depends on several factors, including your current tax bracket, your expected tax bracket in retirement, and your personal financial goals. It’s important to consider these factors and consult with a financial advisor to determine which option is right for you.</p><h2>Conclusion</h2><p>Both Roth IRA and Traditional IRA offer tax advantages for retirement savings. While Roth IRA contributions are made with after-tax income and withdrawals are tax-free, Traditional IRA contributions are tax-deductible and withdrawals are subject to income tax. Understanding the contribution limits, tax treatment, and withdrawal rules of each account can help you make an informed decision for your retirement savings.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://ndgoeln.info/roth-ira-vs-traditional-ira/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Estate Planning Essentials In 2023</title> <link>https://ndgoeln.info/estate-planning-essentials-in-2023</link> <comments>https://ndgoeln.info/estate-planning-essentials-in-2023#comments</comments> <pubDate>Mon, 11 Dec 2023 13:40:09 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ndgoeln.info/?p=61</guid> <description><![CDATA[Understanding the Importance of Estate Planning Estate planning is a crucial process that ensures your assets and properties are distributed according to your wishes after your demise. It not only helps protect your loved ones but also provides peace of mind. In 2023, the need for estate planning has become even more apparent, given the [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="Guide to Estate Planning Essentials Frame & Frame Attorneys at Law" src="https://i2.wp.com/frameandframe.com/wp-content/uploads/2020/11/estate-planning-essentials.png" _mce_src="https://i2.wp.com/frameandframe.com/wp-content/uploads/2020/11/estate-planning-essentials.png" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><h2>Understanding the Importance of Estate Planning</h2><p>Estate planning is a crucial process that ensures your assets and properties are distributed according to your wishes after your demise. It not only helps protect your loved ones but also provides peace of mind. In 2023, the need for estate planning has become even more apparent, given the uncertainties and challenges we face in our daily lives.</p><h2>Key Components of Estate Planning</h2><h3>1. Will Preparation</h3><p>A will is a legal document that outlines how your assets will be distributed after your death. It is essential to review and update your will periodically to reflect any changes in your circumstances, such as marriages, divorces, or the birth of children. In 2023, seek professional assistance to ensure your will is comprehensive and legally binding.</p><h3>2. Power of Attorney</h3><p>Granting someone power of attorney allows them to make financial and legal decisions on your behalf if you become incapacitated. In 2023, it is important to choose a trusted individual who will act in your best interests and ensure your affairs are managed appropriately.</p><h3>3. Healthcare Directives</h3><p>Healthcare directives, such as a living will or a healthcare proxy, enable you to express your wishes regarding medical treatments and end-of-life care. These documents help guide your loved ones and medical professionals in making critical decisions if you are unable to communicate your preferences in 2023.</p><h2>Benefits of Estate Planning</h2><h3>1. Asset Protection</h3><p>Estate planning allows you to protect your assets from unnecessary taxes, creditors, and legal disputes. By implementing strategies such as trusts, you can ensure your wealth is preserved for future generations in 2023.</p><h3>2. Minimizing Family Conflicts</h3><p>Proper estate planning can help prevent family disputes and conflicts over your assets. Clear instructions and distribution plans outlined in your will can reduce the likelihood of disagreements among your loved ones in 2023.</p><h3>3. Ensuring Beneficiary Protection</h3><p>By designating beneficiaries for your assets, such as life insurance policies and retirement accounts, you ensure that your loved ones are protected financially. In 2023, regularly review your beneficiary designations to ensure they align with your intentions.</p><h2>Professional Guidance and Review</h2><p>In 2023, seek professional guidance from an estate planning attorney or financial advisor to ensure your estate plan is comprehensive and in line with current laws. They can help you navigate complex legalities and provide expert advice tailored to your specific circumstances.</p><h2>Regular Updates and Reviews</h2><p>Estate planning is not a one-time event. Regularly review and update your estate plan to accommodate changes in your life, such as marriage, divorce, births, deaths, or significant financial transactions. By staying proactive, you can ensure your estate plan remains relevant and effective in 2023 and beyond.</p><h2>Conclusion</h2><p>Estate planning is an essential aspect of life that should not be overlooked in 2023. By taking the time to create a comprehensive estate plan, you can protect your assets, minimize family conflicts, and ensure your loved ones are taken care of according to your wishes. Seek professional guidance, review your plan regularly, and enjoy the peace of mind that comes with proper estate planning.</p>]]></content:encoded> <wfw:commentRss>https://ndgoeln.info/estate-planning-essentials-in-2023/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Retirement Income Strategies In 2023</title> <link>https://ndgoeln.info/retirement-income-strategies-in-2023</link> <comments>https://ndgoeln.info/retirement-income-strategies-in-2023#comments</comments> <pubDate>Mon, 11 Dec 2023 13:36:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ndgoeln.info/?p=59</guid> <description><![CDATA[Introduction Retirement is a significant milestone in everyone’s life. It marks the end of our working years and the beginning of a new chapter. However, with the changing economic landscape, it’s essential to have effective retirement income strategies to ensure a comfortable and secure future. In this article, we will explore some of the best [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="[White Paper] Retirement Strategies" src="https://i2.wp.com/purefinancial.com/wp-content/uploads/2016/04/Retirement-Strategies-Cover.jpg" _mce_src="https://i2.wp.com/purefinancial.com/wp-content/uploads/2016/04/Retirement-Strategies-Cover.jpg" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><h2>Introduction</h2><p>Retirement is a significant milestone in everyone’s life. It marks the end of our working years and the beginning of a new chapter. However, with the changing economic landscape, it’s essential to have effective retirement income strategies to ensure a comfortable and secure future. In this article, we will explore some of the best strategies to maximize your retirement income in the year 2023.</p><h2>1. Start Saving Early</h2><p>One of the most crucial retirement income strategies is to start saving as early as possible. The power of compounding can work wonders in growing your retirement nest egg. By saving consistently and investing wisely, you can take advantage of the long-term growth potential of your investments.</p><h2>2. Diversify Your Investments</h2><p>To mitigate risks and ensure a steady stream of income during retirement, it’s important to diversify your investments. Spread your investments across different asset classes, such as stocks, bonds, real estate, and even alternative investments like cryptocurrencies. This diversification will help you weather any market volatility and provide a stable income source.</p><h2>3. Consider Annuities</h2><p>Annuities can be an excellent addition to your retirement income strategy. They provide a guaranteed income stream for life or a specified period, offering stability and peace of mind. Explore different types of annuities, such as immediate annuities or deferred annuities, to find the one that suits your financial goals and risk tolerance.</p><h2>4. Optimize Social Security Benefits</h2><p>Social Security benefits play a significant role in retirement income. However, it’s crucial to optimize these benefits by understanding the rules and regulations. Consider factors such as when to start claiming benefits, spousal benefits, and strategies like file and suspend or restricted application to maximize your Social Security income.</p><h2>5. Plan for Healthcare Expenses</h2><p>Healthcare expenses often increase during retirement. It’s essential to plan for these costs and ensure you have adequate health insurance coverage. Consider long-term care insurance to protect your savings from being depleted in case of a medical emergency or the need for assisted living.</p><h2>6. Explore Part-Time Work</h2><p>If you’re looking to boost your retirement income or stay active during retirement, consider exploring part-time work opportunities. It can provide additional income while allowing you to pursue your interests and stay socially engaged.</p><h2>7. Budget and Track Expenses</h2><p>Creating a budget and tracking your expenses is vital in retirement. It helps you identify areas where you can cut back and save more. By keeping a close eye on your spending, you can ensure that your retirement income lasts throughout your golden years.</p><h2>8. Rebalance Your Portfolio</h2><p>Regularly reviewing and rebalancing your investment portfolio is crucial to maintain the desired asset allocation. As you near retirement, consider adjusting your portfolio to reduce risk and focus more on income-generating assets. Consult with a financial advisor to determine the optimal asset allocation for your retirement income needs.</p><h2>9. Consider Rental Income</h2><p>If you own property, consider generating additional income through rental properties. Real estate can provide a stable income stream during retirement and act as a hedge against inflation. However, be sure to consider the responsibilities and potential risks associated with being a landlord before pursuing this strategy.</p><h2>10. Seek Professional Advice</h2><p>Lastly, seeking professional financial advice is crucial in developing effective retirement income strategies. A qualified financial advisor can help you navigate the complexities of retirement planning, analyze your unique situation, and provide tailored recommendations to maximize your retirement income.</p><h3>Conclusion</h3><p>As you approach retirement in 2023, it’s essential to have a well-thought-out retirement income strategy. By starting early, diversifying investments, optimizing Social Security benefits, and considering other strategies mentioned in this article, you can ensure a comfortable and secure retirement. Remember to consult with professionals and regularly review your plan to adapt to any changes in the economic landscape.</p>]]></content:encoded> <wfw:commentRss>https://ndgoeln.info/retirement-income-strategies-in-2023/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Make Home Improvement on Budget a Reality</title> <link>https://ndgoeln.info/make-home-improvement-on-budget-a-reality</link> <comments>https://ndgoeln.info/make-home-improvement-on-budget-a-reality#comments</comments> <pubDate>Fri, 07 Apr 2023 22:27:32 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Home Improvement]]></category> <guid isPermaLink="false">http://ndgoeln.info/?p=54</guid> <description><![CDATA[Home is the place where the heart is. One of the best ways to improve quality of our life is to spruce up the home we live in. Although home improvements can cost unlimited amounts, it does not always require a fortune to improve the interiors of your home. You can carry out amazing changes [...]]]></description> <content:encoded><![CDATA[<p> Home is the place where the heart is. One of the best ways to improve quality of our life is to spruce up the home we live in. Although home improvements can cost unlimited amounts, it does not always require a fortune to improve the interiors of your home. You can carry out amazing changes in your apartment on budget.Identify MissesFirst of, when you are on budget it is important to identify the areas which require replacement or improvement in your home. For, the prime purpose of home improvement is to ensure no pending repairs post the renovation. This would help you plan the direction of the entire home repair project. Depending on the nature of projects you can decide upon the budget, duration and other factors for home improvement.Gear up for changeNow you can gear up for the change you need. You should research online and visit home décor shops to get ideas for the purpose. You can save a lot of money by DIY on your previous, used or antique furniture, fittings and cabinets. It is important to check out price differences offered by second-hand shops, antique shops and online lists.Knowing the expenses helps you get ready for the expenditure too. You can also check out your credit limit available. Home improvements can be one of the smart ways to enhance the valuation of your home. You can also check out if you are eligible for homeowner loans. Leveraging home equity you can draw substantial funding without any hassles.Some handy home renovation hacks on budgetKitchenKitchen is one place where whole family meets multiple times in a day. A change in the look of kitchen space can transform the feel of your entire home. You can consider changing the colour or cabinet doors for this. Do not forget to visit thrift stores or reuse centers to find the surprisingly cheap deals. Go for contrasting colour and you would revolutionise the appearance of your home. Also pay attention to kitchen lighting. If you need to replace any of the electronic or kitchen gadgets, opt for energy-efficient replacements. It would save you energy bills and keep your home updated.Living RoomA renovation cannot be complete without bringing change in the living room. For low-cost home improvement, consider redoing the furniture placement. A simple shift of couch from right to left can bring more than expected alteration to your home view. In case you have a centre wall, consider using a bright and unique colour for that wall. Then deck it up with picture art, wall art or an embellished stole gifted by your grandma. The bright walls can steal the attention from other little flaws around.If you need a new couch, consider using the old frame and get it covered up in a contemporary style. This would bring the modern look with least expense.Bed RoomsChanging bed room furniture could be expensive. You can consider changing the bedding, rug, curtains, cushions and every other add-on in your room. If your side tables are old-fashioned, you can consider using attractive wall paper on the front of drawers. It would not only bring a new look but would also cease the boredom owing to old furniture.Another quick hack could be using darker colour for ceiling. Change in the colour of ceiling would bring a novel look in your personal space. We watch more of the ceilings in the bed rooms after all!LavatoryDo not overlook leakages and chipped paint as they are common in the bathroom area. Change faucets if there is any fault. Try to organise if you have too many objects in your bathroom.Besides, simply changing the mug, bucket and rug can beautify your lavatory. You can introduce an attractive canvas cover for the new feel.Front and Patio spaceFor small apartments, an additional sitting space can add enough value to the property. You can consider de-cluttering the backyard and incorporating chair for 2 people at least. You can add a beautiful cushion to an organiser and create a seat. This add-on would not cost more than £20 and enliven the dull space in your home.Needless to say, do not leave the broken nuts and bolts on window panels or side entries. A new colour for outer walls is a must even if you have decided to keep the inner walls untouched.In case your room walls are already neat, pick one wall in each section and use your creativity to bring the desired look.Hope these tips prove handy when you begin your next home improvement project. </p>]]></content:encoded> <wfw:commentRss>https://ndgoeln.info/make-home-improvement-on-budget-a-reality/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What Are Some Tactics Artists Will Use To Sell Art Online?</title> <link>https://ndgoeln.info/what-are-some-tactics-artists-will-use-to-sell-art-online</link> <comments>https://ndgoeln.info/what-are-some-tactics-artists-will-use-to-sell-art-online#comments</comments> <pubDate>Wed, 05 Apr 2023 10:04:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Animation]]></category> <category><![CDATA[Arts and Entertainment]]></category> <category><![CDATA[Body Piercings]]></category> <category><![CDATA[Casino Gambling]]></category> <category><![CDATA[FictionTattoos]]></category> <category><![CDATA[Film Editing]]></category> <category><![CDATA[Movies TV]]></category> <category><![CDATA[Music]]></category> <category><![CDATA[Music Industry]]></category> <category><![CDATA[Music Instruction]]></category> <category><![CDATA[Painting]]></category> <category><![CDATA[Performing Arts]]></category> <category><![CDATA[Photography]]></category> <category><![CDATA[Visual Graphic Arts]]></category> <guid isPermaLink="false">http://ndgoeln.info/?p=52</guid> <description><![CDATA[First of all, let’s look into some of the important things about selling art online for the artist. Whether you are an experienced artist or a new person in the area, it is crucial that you know the way to showcase yourself in an productive and effective way to help you maximize your prospective gross [...]]]></description> <content:encoded><![CDATA[<p> First of all, let’s look into some of the important things about selling art online for the artist. Whether you are an experienced artist or a new person in the area, it is crucial that you know the way to showcase yourself in an productive and effective way to help you maximize your prospective gross sales and still have spare time for the things you love most, including crafting art work. If you decide to sell art online, you may be exposing yourself to a whole new form of exposure! Gone are the days for those who needed to sell a bit of your own soul and allow more hours than you might like to your physical gallery in order to get your hard work on display in that location; alternatively you can have the possibility to set your own prices and your private hours whilst communicating with consumers directly. For most artists it’s better to sell art online and publicize/share his or her works for purchase than it will be whenever they were doing so ‘by hand’ using conventional methods similar to collection shows, along with art work shows or exhibits. These are even now fantastic strategies to obtain neighborhood exposure, nonetheless envision having a significantly broader crowd while you sell art online. Incorporate the latest and greatest of instruments that are offered only in a virtual setting, and there are plenty of good reasons to sell art online!Sell Art Online And Communicate With A Broader Target AudienceA problem that’s long affected artists is a way to advertise their own work. Ahead of the advance of cyberspace the more usually acknowledged conventional methods had been the only way to really have almost any chance of creating a sales agreement. Even with a collection and making sure your work was displayed there seemed to be no warranty except if you had a prime place around the major highway in the town or city in which you were located, and even then unless of course you actually are residing in the leading town heart there’s a chance that nobody near you meet the expense of your artwork whatsoever. Seeing that you possibly can sell art online you have the possibility to touch a significantly bigger market as anybody who will be able to connect to the online world and look at the text your websites are coded in could view your artwork and get in touch with you when they are fascinated by buying one thing. Even more presence causes it to be more often than not that you will reach the focus of an individual that is fascinated by your style of work, with the accurate marketing/promotion prepare this might indicate additional income in the future.It Is Actually Simpler To Sell Art Online Than Ever BeforeIf you are an artist who wishes to sell art online, it is vital that you choose and learn to make use of the strength of the net and turn it in your greatest interest. The best dynamic selling and showcase tools open to artists that can help them sell art online is undoubtedly social networking. We don’t mean just go subscribe to each social media or book-marking page you’ll find because this won’t help you to sell art online, instead opt for two to three providers you care about and believe you are able to communicate with the market via and build profiles there. In particular ensure you are not biting off more than you can chew from maintaining lots of user profiles lively and modifications; when you can just take good care of only one at this time, one user profile that is definitely working and up-to-date is preferable to three that happen to be merely maintained at occasional time intervals.SEO (search engine optimization) can also be something that you might make use of with the intention that your current website page is showing up superior at the results generated by search engines like Google and yahoo when an individual researches something on-line. Making sure your internet site is well enhanced as well as your outlines of your art seem to be as in-depth as feasible is a method to make this happen, and the other technique is to go to some other web sites and weblogs as well as leaving valuable commentary there and if possible link back to your personal web-site to read more. On balance, if you sell art online you make it entirely possible that individuals near you as well as over and above your local area to recognize the value of your art work, talk about it with their close friends, and contact you if they’re fascinated by getting a bit of your work.Selling art online is quickly overtaking more conventional strategies as increasing numbers of artists understand the rewards and values after they make the decision to sell art online. Not only can they not waste time to invest in other things for example creating art pieces, they’re also presenting to customers the fact that they intend to make the shopping and buying dealings much better for him or her on top of that. Due to sophisticated electronic display screen equipment like three-dimensional simulations of conditions where art work can be displayed (picturing it on the wall surface on-screen as a substitute for solely in your thoughts) or being able to zoom in in addition to away on an article make it easier than any other time for your buyer to have a concept of the way your work matches their lives. And since they can contact you specifically, there may be a lot more prospective for you to sell art online; in spite of everything you have management of everything from the cost to the shipment technique which means that you can acquire the most appeal for your work and make certain it will make it securely to its location. What is not to appreciate? Try out selling art online and go through the big difference immediately! </p>]]></content:encoded> <wfw:commentRss>https://ndgoeln.info/what-are-some-tactics-artists-will-use-to-sell-art-online/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Health – How Do You Know What You Mean?</title> <link>https://ndgoeln.info/health-how-do-you-know-what-you-mean</link> <comments>https://ndgoeln.info/health-how-do-you-know-what-you-mean#comments</comments> <pubDate>Tue, 04 Apr 2023 23:52:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Acne]]></category> <category><![CDATA[Anti Aging]]></category> <category><![CDATA[Beauty]]></category> <category><![CDATA[Cosmetic Surgery]]></category> <category><![CDATA[Diabetes]]></category> <category><![CDATA[Drug Abuse]]></category> <category><![CDATA[Health and Fitness]]></category> <category><![CDATA[Massage]]></category> <category><![CDATA[Meditation]]></category> <category><![CDATA[Nutrition]]></category> <category><![CDATA[Personal Training]]></category> <category><![CDATA[Popular Diets]]></category> <category><![CDATA[Skin Care]]></category> <category><![CDATA[Spa and Wellness]]></category> <category><![CDATA[Speech Pathology]]></category> <category><![CDATA[Weight Loss]]></category> <category><![CDATA[Yoga]]></category> <guid isPermaLink="false">http://ndgoeln.info/?p=50</guid> <description><![CDATA[Are you Healthy – or just not Sick? If this sounds like a trivial question, then but how do you answer it? isn’t it interesting that we can easily and specifically talk about our Ill-health at length, but we can’t talk about Health in a way that evokes unambiguous understanding of what is meant? Does [...]]]></description> <content:encoded><![CDATA[<p> Are you Healthy – or just not Sick? If this sounds like a trivial question, then but how do you answer it? isn’t it interesting that we can easily and specifically talk about our Ill-health at length, but we can’t talk about Health in a way that evokes unambiguous understanding of what is meant? Does it even matter if there is a definition of the rather amorphous term? Well – we wouldn’t dare to go and see a physician in absence of a “symptom” – an exception of your “normal” look or feeling? Of course not, health-care systems do not care about Health, they care about the mending manifest diversions from the “Normal” condition. In other words, health-care should be more aptly referred to as “sick-care”, because the system has no answers for the Healthy. Consequently, the definition of “sick” is rather obvious, it is the visible or experienced reduction of normal physical or mental condition or function. There are many different ways of expression, but the essence is unequivocally the same.Now try to define “Health” and “being healthy” by a term that evokes a universally equivalent understanding. Obviously a challenge, most dictionaries confine the term as something like “the absence of disease”. But isn’t there much more to Health than the absence of an identifiable ailment? Apart from evident Physical Health, what about more concealed Mental Health, Emotional Health, Spiritual Health, Social Health, Intellectual Health – isn’t all that essential to a state of well being? But does that mean “Health” is the absence of any and all (perceived) problems and concerns – would then “Health” be synonymous with Happiness? Even reduced to Physical Health there is a wide spectrum of ambiguity, if you feel tired or fatigued – are you sick or are you healthy? Is weight gain a disease or just a sign of hedonism? Are you ill because you need reading glasses? What about wrinkles and sagging skin – is aging a disease? This thought open a Pandora’s box: what is the normal rate of aging – where is – and who is the authority for setting the benchmark for “normal”?Are you absolutely or relatively Healthy?Researchers at Rice University have tried to define the parameters for measuring Health. They conclude that Health is measured in terms ofl) absence of physical pain, physical disability, or a condition that is likely to cause death2) emotional well-being, and3) satisfactory social functioning.But they admit that there is no single standard of measurement of health status of Individuals or Groups, which may be assessed by an observer. It follows that “Health” assessed in this way is relative and subjective, while what we really want to know is:Am I absolutely Healthy – objectively measured, not subjectively assumed by relative comparison with Others. We don’t compare our pain or disfigurement with the neighbors arthritis or cancer. Quite the opposite: we visualize and strive to look as young and slim as the person on the cover of a magazine. Such natural cravings are the very foundation of an ever growing Beauty and Anti-Aging industry, even in absence of objective standards.That is exactly the point: if we can’t define Health but only Ill-health – we’ll never look like that Idol no matter what! Because if we measure our Health by its weaning, we’ll wait to act until we can define the symptoms, thereby depriving ourselves from gaining and sustaining utmost Vitality and stunning Appearance.If we succeed in establishing a globally valid definition for absolute Health – we can actually begin to provide of real Health-care, that is caring for the preservation – or revival of the benchmark Health.References:Rice University: Measurement of Health StatusKnowing how Healthy you are </p>]]></content:encoded> <wfw:commentRss>https://ndgoeln.info/health-how-do-you-know-what-you-mean/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>You Need Help To Quit Gambling For Good</title> <link>https://ndgoeln.info/you-need-help-to-quit-gambling-for-good</link> <comments>https://ndgoeln.info/you-need-help-to-quit-gambling-for-good#comments</comments> <pubDate>Tue, 04 Apr 2023 20:09:30 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[on line gambling]]></category> <guid isPermaLink="false">http://ndgoeln.info/?p=48</guid> <description><![CDATA[Are you worried about the gambling habit of someone in your household? Undoubtedly it is the spouses, family members and loved ones that suffer as a consequence of a gambling addiction. Knowing which course of action to take can prove to be a difficult one. Quit Gambling for Good is a solution that can help [...]]]></description> <content:encoded><![CDATA[<p> Are you worried about the gambling habit of someone in your household? Undoubtedly it is the spouses, family members and loved ones that suffer as a consequence of a gambling addiction. Knowing which course of action to take can prove to be a difficult one. Quit Gambling for Good is a solution that can help the gambler within your family to come to terms with their problem and stop gambling. To the compulsive gambler knowing there is a problem and admitting there is a problem are two different matters. To the rest of the family,they just know there is a problem, a problem that needs to be addressed.The Quit Gambling for Good guide identifies, discusses and addresses the financial, psychological, physical and emotional impacts of those surrounding problem gamblers (list below).</p><p>Types Of Gambling<br />Types Of Gamblers<br />Real Life Gambling<br />On line Gambling<br />Why On line Gambling Is Not Good<br />How Gambling Influences On Family/Families<br />Why Should You Stop Gambling<br />Benefits And Advantages Of Stopping Gambling<br />Quit Gambling! Don’t Ruin Your Life!<br />How To Stop On line Gambling<br />Ways To Stop Being Addicted To Gambling!<br />These adverse effects can also lead to marital disharmony or even divorce and family break ups, maybe you are a victim of these circumstances.The impact of the on line Poker phenomenon in particular is a major contributing factor causing high levels of out of control gambling. On line poker is rapidly becoming one of the most popular gambling games at on line casinos and gaming websites on the Internet. The main reason for this popularity is the belief that it is a game of skill in which enormous cash prizes can be won. This belief is a fallacy. Skillful play will never help gamblers to win money at on line poker because winning money at on line poker is impossible.The top poker players in the world do not play poker at gambling websites. Some top poker players may say they do only because of getting paid for endorsements. These top poker players know they can beat the other players, but that they cannot beat the house. There is not anybody on the face of this earth who can make money playing on line poker. Even the world’s best poker player will never be good enough to overcome the “rake” which is the house cut from each pot.To digress generally, many articles have stated that gambling of which there are many forms, casinos, horse racetracks, sports betting, stock market trading, Internet gambling websites, card games, bingo parlors, gambling machines, lotteries and more is one of the fastest growing worldwide problems.The gambling industry is out there constantly trying to exploit the weak and vulnerable with influential factors such as government and politician endorsement ,media such as TV, radio, newspapers, books,magazines,sports leagues,movies and TV shows, advertising and the Internet.DO NOT be a victim seek help, seek out the Quit Gambling for Good [http://re-vue-me.blogspot.com/2009/10/you-need-help-to-quit-gambling-for-good.html] guide. This eBook is a must buy and a must read for every gambler and those surrounding the gambler! </p>]]></content:encoded> <wfw:commentRss>https://ndgoeln.info/you-need-help-to-quit-gambling-for-good/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Looking at Four Different Types of EBook Exercise Programs</title> <link>https://ndgoeln.info/looking-at-four-different-types-of-ebook-exercise-programs</link> <comments>https://ndgoeln.info/looking-at-four-different-types-of-ebook-exercise-programs#comments</comments> <pubDate>Sun, 02 Apr 2023 01:11:12 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Security]]></category> <guid isPermaLink="false">http://ndgoeln.info/?p=46</guid> <description><![CDATA[Although I have reviewed all the programs I mention here, I always strongly recommend that you consult your doctor before starting a new fitness program.High powered muscle building exercise programs: – for body builders, teens looking to develop a better body, men who are in challenging careers (fire, rescue, military, police or professional athletes). Characteristics: [...]]]></description> <content:encoded><![CDATA[<p> Although I have reviewed all the programs I mention here, I always strongly recommend that you consult your doctor before starting a new fitness program.High powered muscle building exercise programs: – for body builders, teens looking to develop a better body, men who are in challenging careers (fire, rescue, military, police or professional athletes). Characteristics: Mix of exercises that develop major muscles. Not necessarily heaviest weights. Earlier programs were looking for huge muscles. Newer programs are now geared towards athleticism rather than just bulk. These intense programs can be used alone or paired with a natural food diet.Examples: Bells, Bags and Body Weights, Supersize Your Strength, The Body Bot Fitness Software, Old School New BodyExercise Programs looking to build a lean athletic body: These programs offer the opportunity for you to learn how to sculpt your own body and keep it long term with specific exercises and diet. They are quite intense and demanding. They are especially useful for actors, models and high profile individuals whose careers depend on their appearance.Examples: Visual Impact Muscle Building, Visual Impact for WomenHolistic weight loss programs: These offer more mental exercise along with regular exercise and incidentally may include a natural diet. They use neurolinguistic suggestion and hypnosis. The process tends to be slower but gentler physically.Examples: The Gabriel Method – Total Transformation Online Program, Program Yourself Thin, The Weight Loss Non-Diet ProgramIntense Exercise Programs for Women: These programs work to sculpt and build a lean feminine body. The exercises could be unsuitable for older women or those who are seriously out of shape.Examples: Female Full Body Beatdown, The Ideal Body Blueprint for Women, Visual Impact for Women, Flavia DelMonte’s Full Body LiciousThere are a great number of exercise programs that are specifically paired with diets. They also come in a variety of intensity and methods.For Women: You want a program that is designed for your lighter frame and that matches your body type. Also the diet portion should be keyed to your hormonal makeup. You should not follow a “cookie cutter program”. Men have different diet and exercise requirements from yours. If you’ve tried and failed in the past, that may be a big part of your failure. Never think it was your fault!!You may see an ad for an “ebook” but find it won’t work for you once you’ve bought it. Don’t hesitate to request help and if that doesn’t address your problem, request a refund. Don’t stick with something you feel is not good for you. Your goal is to improve your health and quality of life.For Men: You have many more programs available for you than for women. You need to select the right one for you. Will it match your goals? How intense are the exercises? Just because a program offers both diet and exercise doesn’t mean it’s for wussies. Some of the diets are extreme and that can mess up your metabolism. Extreme exercises can injure you. Look for online reviews that give you frank evaluations. Your goal is to improve your fitness, your health and the quality of your life.Forgive me for repeating: I strongly recommend that, whatever your circumstances, you consult your doctor before starting a new fitness program. This especially applies to any program that is identified as intense. Good luck and good health! </p>]]></content:encoded> <wfw:commentRss>https://ndgoeln.info/looking-at-four-different-types-of-ebook-exercise-programs/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Talent Management, Acquisition and the Importance of Role Consultancy</title> <link>https://ndgoeln.info/talent-management-acquisition-and-the-importance-of-role-consultancy</link> <comments>https://ndgoeln.info/talent-management-acquisition-and-the-importance-of-role-consultancy#comments</comments> <pubDate>Sat, 01 Apr 2023 21:06:39 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Management]]></category> <guid isPermaLink="false">http://ndgoeln.info/?p=44</guid> <description><![CDATA[IntroductionIn all businesses today, aligning human resource management with business strategy has become an important element to succeed. Organisational restructuring, managing key resource requirements, performance management systems, career and succession planning have all been re-aligned to form synergy with the company’s overall business strategy.With increased competition, changing workforce demographics, talent shortages and increased globalization, many [...]]]></description> <content:encoded><![CDATA[<p> IntroductionIn all businesses today, aligning human resource management with business strategy has become an important element to succeed. Organisational restructuring, managing key resource requirements, performance management systems, career and succession planning have all been re-aligned to form synergy with the company’s overall business strategy.With increased competition, changing workforce demographics, talent shortages and increased globalization, many organizations are now proactively studying leadership, demographic and economic trends, to prepare for their future workforce needs. HR departments are developing comprehensive workforce plans and talent management strategies centered on attracting, assessing, selecting, engaging, and retaining talentThe practice of Talent Management is more important in today’s economy than it has ever been. Now in the new millennium, we find ourselves in the talent age. In the new millennium the only unique asset that many companies have to maintain a competitive edge is their people. In the global market place and every industry around the world, it is the talent and its management that differentiates and sets the tone for success or failure<br />To achieve organizational goals, one must synchronize their business strategy and human capital strategy. Successful organisations have the right talent in place at all levels – people who look beyond the obvious and take the business into the future. The basis for ensuring this is an integrated approach to talent management.Finding and keeping the right people has an enormous effect on one’s organization’s financial performance. Identifying these talents and hiring people whose talents are similar to those of top performers are crucial steps toward achieving individual and organizational success Talent management and leadership development remain the biggest Human Resources challenges. The two issues are rated “highly critical for success” Talent management means aligning talent strategies with organisational needs; attracting and selecting the right people, identifying and shaping their potential and fuelling their enthusiasm and commitmentEffective talent management is a critical business goal for all leading organisations in today’s economy. Human resource management is a process of bringing people and organizations together so that the goals of each other are met. The role of Human Resource manager is shifting from that of a protector and screener to the role of a planner and change agent. The knowledge age moved the basis of economic value to information assets through integrated communications and computer technology. Now the competitive battlefront is for the best people because they are the true creators of value. PEOPLE provide unique knowledge, an inherent component of the value-proposition that PEOPLE bring to an organization; knowledge gained through education, training, and experience. Investment in PEOPLE will position organizations for continual innovation in an increasingly diverse, competitive and ever-changing climateHuman capital is the most vital resource in any organization and also the most difficult to manage. Today the success of Human Resources professionals is directly linked to the quality of talent and its productivity and they are being held accountable to deliver on stringent and measurable performance metrices. Building a competitive talent pool is a function of attracting, engaging and retaining the right mix of competencies. Companies are also increasingly hiring employees whose personalities and values reflect those of the organizationTalent Management is more and more business critical to organizations, bringing with it, new visibility and challenges. For Human resources people, employees are the face of company’s brand and the most vital asset of one’s business. They drive organisation’s productivity and profitability. Aligning Talent Acquisition to the organization’s strategic objectives is imperative to the success of the organization and Human Resources tend to concentrate in recruiting those key people and focus their attention and resources on developing them. Indian organizations are also witnessing a change in systems, management cultures and philosophy due to the global alignment of Indian organizations. There is a need for multi skill development.It would be apt at this juncture to recapitulate on the nuances on Talent Acquisition and RecruitmentRecruitment and Talent Acquisition are used synonymously but there is quite a lot of difference between the two. Recruitment involves the process of filling up of the vacancies where as talent acquisition shows the strategic hiring of talent not only for the current requirement but also planning for future. McKinsey & Company (1997) that coined the term ‘the war of talent’, predicted that there is high demand for managerial talent in future. The survey report insisted on five elements for tapping the successful talent such as talent mindset, growing great leaders, employee value proposition, continuous top talent recruitment and differentiation. Hence the companies need to be forearmed to anticipate and determine the talents.Recruiting- been viewed as a transactional, commodity based business function to fill job openings with qualified people. In contrast, Talent Acquisition is distinct elements of the Talent Management continuum, a proactive, strategic function, procuring talent for the organization’s value add. Talent Acquisition is no longer a silo in the human resource function, but collaboration with specialists from other functional areas within Talent Management to posture a company for talent who will evolve and become strategic partners within the organization. Talent Management/Acquisition asks: do we have a strategy in place to attract and retain qualified employees; do we know what business is in the pipeline, what the staffing needs are for the next six-twelve months, bill rates that determine potential candidate salaries, etcOn moving to a Talent Acquisition model there is a significant difference between those organizations that practice recruiting and those that have a talent acquisition practicesRecruiting- To identify & select a person for a position.<br />Talent – A special often creative, artistic or mental gift.<br />Acquisition – To gain possession of something as a result of effort or experience.Strategic Talent Acquisition takes a long-term view of not only filling positions today, but also using the candidates that come out of a recruiting campaign as a means to fill similar positions in the future In the most enlightened cases of Strategic Talent Acquisition, clients will recruit today for positions that do not even exist today but are expected to become available in the future. Recruiting is involved on the front end of the process; Talent Acquisition would be as a collaborative business partner. Aligning Talent Acquisition to the organization’s strategic objectives is imperative to the success of the organizationRole of Consultancy in Talent Acquisition and Talent Management.The Talent Acquisition needs of companies are becoming more and more intricate – which means more focus and effort for proper functioning. Cross location, multiple skills, blend of technologies and personal attributes makes the hiring process a very involved effortBy outsourcing Talent Acquisition function, the organisation can focus on core business issues, while they have a reliable framework of Talent supply. This is a new emerging paradigm which is making a lot of companies tread this path. Nurturing Human Capital via Talent Management, would be the focus of Talent acquisition and recruitment. Recruitment Support includes activities from pre- and final- screening, interview management, Offer Management and Data Management. Recruitment is integral to talent management and requires considerable executive management mindshare. Recruiting is changing fast, with myriad challenges facing those responsible for attracting, hiring and retaining top talent.The role of human resources has shifted within most leading organizations and Human Resource practitioners are now required to demonstrate value to the business. Talent acquisition platform can be configured to fit the size and structure of any recruiting organization Working closely with the business, Talent Acquisition Consultant- would manage all Experienced Hire RecruitmentTalent Acquisition Consultancy would work in cohesion and coordinate with the respective & assigned business function(s) to source, recruit and select the best Talent for the organiationTalent Acquisition Consultancy – would work in the role of a partner to align strategies that would support business objectives and create processes, tools and cultures that attract, motivate, engage and retain strong, high-potential Talent.Talent Acquisition Consultancy- with the background and exposure of global competence in executive recruiting, and also country specific knowledge; will be in position to play a critically important role in identifying high profile executives and recruiting top global talent. Talent Search Service would range from single assignment to regional or global and could include multiple positions in various locationsTalent Acquisition Consultancy Would Play A Significant Role InIdentifying Top/Senior level Talent for all business groups and be responsible for identification, recruitment and on-boarding of senior level leaders throughout the organization utilizing direct sourcing techniques including personal networking, online search, and leveraging internal tools and resourcesResponsible for providing creative sourcing solutions to customers in a consultative role. Recruiting through a variety of sources, including Internet, professional associations, networking, advertisements, job fairs, university relations, etc. Function as a full business partner to develop staffing processes, identify business issues and recommend innovative solutions.Find, assess, engage, hire, and on-board the highest quality candidates, especially in the critical skill areas. Assess candidate skills, background and fit so as to predict performance levels and styles with a high degree of accuracy.Manage the full life-cycle of the recruiting process – Recruit / Source, contact, screen candidates.Assess candidate’s competency to include job fit, motivational fit and culture fit.Source, identify, and screen candidates to determine if their technical ability, attitude and personality make them a fit for the Client’s cultureDevelop candidate talent pipelines through sourcing channels, recruitment campaigns, internet searches, networking groups, social media, database searchTalent ManagementOnce the Talent Acquisition process is completed the human resource professionals have to concentrate on the next level of Talent Management- Talent Development. It is necessary to develop the skills of the employees through Training and Development Talent Management in organizations is not just limited to attracting the best people from the industry but it is a continuous process that involves sourcing, hiring, developing, retaining and promoting them while meeting the organization’s requirements simultaneouslyTalent Management, as the name itself suggests is managing the ability, competency and power of employees within an organization. The concept is not restricted to recruiting the right candidate at the right time but it extends to exploring the hidden and unusual qualities of one’s employees and developing and nurturing them to get the desired results. Hiring the best talent from the industry may be a big concern for the organizations today but retaining them and most importantly, transitioning them according to the culture of the organization and getting the best out of them is a much bigger concernTo achieve success in business, the most important thing is to recognize the talent that can accompany one in achieving one’s goal. Attracting them to work for you and strategically fitting them at a right place in your organization is the next step. It is to be remembered that placing a candidate at a wrong place can multiply one’s problems regardless of the qualifications, skills, abilities and competency of that personTalent Acquisition and Talent retention are like the two sides of a coin that are critical in the human capital management. Innovative technologies are to be adopted to enhance the process of Talent Management. With the dynamic situation prevailing in the global employability status, the role of human resource managers is very imperative in maintaining the talent balance. Holistic cum participatory approach is to be followed for harnessing the real benefits of Talent Management system. The Talent Management system that acts as a driver to performance excellence has to be integrated with the rest of the areas in the company and through effective Talent Management strategy.The practice of talent management would involve no of strategies used in the management of human capital resources and their application. We shall dwell on few critical issues that are imperative in the management of talent and their significance:- i. e for Talent Management Best Practices:-Key points & factorsTalent Acquisition</p><p>Assessing organizational talent readiness and execution capability<br />Identifying talent gaps<br />Identifying mission critical positions<br />selection- identification- & recruitment- of right people<br />assessment- assessing competencies of apt profile<br />Retaining TalentIn the current climate of change, it’s critical to hold onto the key people. These are the people who will lead the organisation to future success, and the organisation can’t afford to lose them<br />Employees are more likely to join stay within an organization if they believe the prospects are good for longer-term career and leadership developmentTo realise this and to attract and retain Talent -Organisation need to have aWorkforce planning ·building a road map for implementationDiversity programmes designed to develop, retain and promote diverse TalentCareer Planning- – scope of advancement in career for employees- their effort being valued and recognized-Selecting Talent:- Management should implement proven Talent selection systems and tools to create profiles of the right people based on the competencies of high performers. It’s not simply a matter of finding the “best and the brightest,” it’s about creating the right fit – both for today and tomorrow. </p><p>Coaching and Mentoring- development of-new competencies.<br />Using development to drive business objectives<br />Building an effective development plan<br />Development of employees – for a elevated and key position<br />Developing processes for Succession Planning and Talent pipelinesManaging Succession: Effective organisations anticipate the leadership and Talent requirement to succeed in the future. Leaders understand that it’s critical to strengthen their Talent pool through succession planning, professional development, job rotation and workforce planning. They need to identify potential Talent and groom it.The cost of replacing a valued employee is enormous. Organisations need to promote diversity and design strategies to retain people, reward high performance and provide opportunities for development.<br />It’s imperative to assess existing talent within the organization. Talented and ambitious people are more likely to stay with their current employer if they receive positive development, motivation and encouragement to reach their potentialOrganisation need to focus on managing the needs of individual employees, in alignment with organizational objectives, while identifying and deploying top performers accordingly.a) For the individual: Coaching and mentoring based on discovered needs.<br />b) For the work team: Identifying top performers, or “stars,” and capitalizing on their talent.<br />c) For the organization: Maximizing return on investment by putting the right person with the right skills in the right job at the right timeIdentification & selection of – high performers- represent the requisite competencies of the organisation and also inspiration to others to follow suit.Focusing on Core TalentCompanies are increasingly looking at bringing exceptional talent on board for those roles that are core to their business and·building a business case for inclusion in the organizations strategic policy<br />In an increasingly global business world, where teams work across borders, understanding different work cultures is the key to success.In India, there is a high demand for good talent and hence a lot of attention is being given to retaining and engaging that talent. Retaining talent for Indian companies has become a key factor in their growth strategies.We shall just give a brief sketeh of talent management systems adopted in an Indian organisation.Mahindra and Mahindra — A US $12. 5 billion multinational group based in Mumbai, India, with more than 137,000 people in over 100 countries, in the business of utility vehicles, information technology, tractors, and vacation ownership- – created a robust Talent Management system to attract, nurture and promote employees.Anand Mahindra, the group’s 57-year-old vice-chairman and managing director has been grooming some key leaders to replace the ageing stars. A Talent Management programme conceptualised in 2004 to chart out the succession plan for top executives, has already produced eight key leaders.For the group, organisational restructuring posed the greatest challenge keeping in mind the changing dynamics in the business especially the tractor and automotive division. the re-alignment was necessitated by changing dynamics in the business environment. the objective was to grow leadership positions in the UV and tractor market and developing successful businesses in relatively new business areas like IT, financial services, realty and infrastructure development and also service industries like Time share (Club Mahindra). “Keeping in mind the new business objectives the challenge was to re-orient the human resource management towards these objectives. “To achieve these objectives the company began a full reassessment of organisation and management structure with the help of consultants like Mckinsey’s, Arthur Anderson and Korn Ferry. The outcome was, clear roles and responsibilities were identified and the competency required for each role was mapped. The officers went through individual assessments of competencies against the requirement of each role. External consultants as well as internal assessors ran assessment centres and each individual was then placed based on competency and role fitmentTHE RETIREMENT OF ARUN NANDA (Executive Director – 2 Years ago) marked the beginning of the end of a long reign of stalwarts. New leaders are already rising and showing every sign that the group’s succession planning initiatives will help fill the void. Most are in their forties, rising rapidly and are being thrown into different roles in the group – clues that they are being groomed for greater responsibilities.Many emerging leaders were inducted onto the group’s apex-decision making body Group Executive Board in 2010 in preparation for the retirement of six members on the board.Anita Arjundas, the 44-year-old head of the real estate business and the lone woman member of the group executive board, mirrors the emergence of a quiet transition that is taking place inside the automobile-to-aviation group.Conclusion.Today, companies have become fiercely competitive when it comes to attracting and retaining Talent. The present scenario with abundant opportunities has triggered a wave of employees, perpetually “on the move”, forever seeking better opportunities whenever, wherever and however they canTalented people want to be a part of something they believe in and not just a fat pay package. A culture of commitment is the key to employee retention- a culture that concentrates on vision, mission, values and ambitious goals to attract and hold on to talented people. This culture of commitment can only set in if there are guiding principles or core values that are of intrinsic importance to those in the organisation.Cultural dimensions as a tool to retain talent zeroes in on functional, technical and control aspects, while simultaneously dealing with inspiration, emotion, energy, enthusiasm, collaboration and camaraderie, openness and a sense of belongingAt the end of the day, creating and delivering a great employee value proposition is clearly the best way to retain good people. Research shows that companies which have recognised the need to give priority to its people management-driven strategies are the winners </p>]]></content:encoded> <wfw:commentRss>https://ndgoeln.info/talent-management-acquisition-and-the-importance-of-role-consultancy/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Prepare a Loan Package For a Bank Or Lender</title> <link>https://ndgoeln.info/how-to-prepare-a-loan-package-for-a-bank-or-lender</link> <comments>https://ndgoeln.info/how-to-prepare-a-loan-package-for-a-bank-or-lender#comments</comments> <pubDate>Sat, 01 Apr 2023 14:42:58 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Commercial Loans]]></category> <guid isPermaLink="false">http://ndgoeln.info/?p=42</guid> <description><![CDATA[A loan package is typically used for real estate development projects and acquisitions, but there are parts of the package which are applicable to the other types of business and commercial loans and finance. If you are seeking a loan or funding from a commercial or business lender or funding from a venture capital firm [...]]]></description> <content:encoded><![CDATA[<p> A loan package is typically used for real estate development projects and acquisitions, but there are parts of the package which are applicable to the other types of business and commercial loans and finance. If you are seeking a loan or funding from a commercial or business lender or funding from a venture capital firm or investor, it is important to present a well organized, detailed loan package. The package gives the loan officer, investor or venture capitalist the necessary information to gauge the viability of your loan or finance request, and in turn, providing you a loan term sheet and commitment. All lenders and funding sources have different requirements, so customize your finance package to their parameters.Loan packages can be voluminous and paper intensive so it is important that it is well organized with a detailed table of contents and alphabetical tabs indicating different sections. This way the loan officer can easily find the necessary information in the package when analyzing and assessing your loan qualification and the resulting terms.The loan package should be bound in paper form, scanned to a disk and available for online download. If you are mailing to the Loan Officer a paper copy be sure to include the package on a disk as well. This way the lender can print out different sections for various loan committee members and decision makers. The disk should be well organized, with each section of the loan package as a separate, labeled folder, all presented in the order indicated in the table of contents, which should be the first folder on the disk.Preceding the loan package document is a loan summary, two to three pages in length, which summarizes the important parts of your loan or finance request. The loan summary is the first section in the loan package and can also be used as a standalone document to generate and gauge interest in your project. If used as a standalone, it should be accompanied by an executive summary. The loan summary is to a loan package what an executive summary is to a business plan, a summary of the key aspects and facts of the overall loan package. For this reason, the summary should be developed after the loan package is completed.Below you will find a suggested format for the loan summary and package. Amend them to suit your particular project and funding request.Suggested Loan Summary Format – company information, project description, company and project principals experience summary, sources and uses of funds, requested loan terms, summary of assets and collateral, project financial summary, current company and project financial summarySuggested Loan Package Format – table of contents; loan summary; company and project information, contact details and history; principals backgrounds, experience and resumes; key project employees, executives and managers experience and responsibilities; company and project organizational chart; company registration; project description; project pictures and renderings; key roles and relationships – company, strategic partners, third parties and government; sources and uses of funds; company and project collateral, assets, liens and loans; schedule of real estate; rent roll; company and principals credit standing and credit reports; principals and company financial statements; company balance sheet; project budget; company and project cash flow statements; pre-sale commitments; project appraisals and valuations; project studies, feasibility studies, business plan, consulting studies and engineering studies; project proposals and contracts, lease agreements and escrow agreements; title policies; annual reports; tax returns – personal and business; project strategic plan and time line; project construction plans, specifications, drawings, surveys and maps; project construction cost breakdown; construction cash and finance disbursement schedule; project construction cash flow statement; project and company advisors, consultants, contractors, construction team, legal firms, accounting firms and engineering firms; appendixGood luck with your funding initiative! </p>]]></content:encoded> <wfw:commentRss>https://ndgoeln.info/how-to-prepare-a-loan-package-for-a-bank-or-lender/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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Upload the image to your own server. (This step is important. Please do not link directly to the image on this server.)
Add this HTML to your page (change the image src attribute if necessary):
If you would like to create a text link instead, here is the URL you can use:
http://www.feedvalidator.org/check.cgi?url=https%3A//ndgoeln.info/feed
