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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>nsbmjms.info</title> <atom:link href="http://nsbmjms.info/feed" rel="self" type="application/rss+xml" /> <link>https://nsbmjms.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 01:46:01 +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>Making Money and Gambling</title> <link>https://nsbmjms.info/making-money-and-gambling,html</link> <comments>https://nsbmjms.info/making-money-and-gambling,html#comments</comments> <pubDate>Mon, 17 Apr 2023 22:08:16 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Gambling]]></category> <guid isPermaLink="false">http://nsbmjms.info/?p=72</guid> <description><![CDATA[In the UK and America there are a multitude of ways to gamble. Exorbitant sums of money are involved with respective governments receiving substantial income in the form of taxes. Socially, gambling has been exposed to opposition morally and singled out legally as a corrupt trait in some societies. Never the less gambling continues to [...]]]></description> <content:encoded><![CDATA[<p> In the UK and America there are a multitude of ways to gamble. Exorbitant sums of money are involved with respective governments receiving substantial income in the form of taxes. Socially, gambling has been exposed to opposition morally and singled out legally as a corrupt trait in some societies. Never the less gambling continues to rise as a major form of relaxation and as a way either, legally or illegally, of making money.As long as there have been human beings gambling, or games of chance as they are commonly known, has been in existence. It was around the mid thirteenth century that dice first came to prominence in Greece, although a similar form of entertainment was used by the Ancient Egyptians called “Knuckle bones.” Playing cards were first attributed to China in the ninth or tenth century. They were then taken up by Europeans in the fourteenth century, probably Italy, using a pack with 78 cards. It was a hundred years later before the standard pack of 52 cards became accepted as the norm. But as well as these games, betting on sports such as horse racing and dog and cock fighting enjoyed popular appeal. In all of us there is a the appeal of winning money for little or no effort but, there are still mixed feelings toward the various forms of gambling available today.Religion is prominent in many societies today. In some it is more dominant than politics and influences many of the decisions governments make. In fact many religions condemn gambling. Although Catholic countries were the first to start playing lotteries seriously. It is the fact that gambling can be attributed to greed and corruption and can be the downfall of many that fosters the beliefs of the anti-gambling faction. Gambling has also been linked to alcoholism with many games of chance taking place in public houses. The fact that drinking alcohol can also be associated with violence and lust does nothing to help the pro gambling lobby. The fact also that there are winners and losers with the winners gains offset by the loser’s losses (although the poker games I have played in this never works out!).Here in the UK things are a bit more relaxed. Have a look at these figures:8% of adults play bingo11% of adults use licensed betting shops62% of all households play the National Lottery on a Saturday33% play on a WednesdayThe above figures were taken from Social Trends 1998 so today those figures could be considerably more. John Wesley, the founder of the Methodist Church, had forthright views on gambling. He said “that a Christian should be a steward of money and not own it” and “money should not be gained through means which could harm one’s neighbour” i.e. pawnbroking or charging excessive interest on loans.Not everybody connected with religion has taken such a stance. The soon to be Anglican Bishop of Exeter, Robert Mortimer, said in 1933 that not all forms of gambling were immoral. He actually did some research into the various forms and decided that some forms of gambling were a “legitimate indulgence” which no institution had the right to ban completely.In 1948 an international congress of Anglican Bishops were concerned about the after effects of gambling on not just gamblers but their families as well. In fact, when Premium Bonds were first introduced in 1956, the Archbishop of Canterbury, Geoffrey Fisher, condemned them as private gain divorced from responsibility.” This was backed up by the then shadow Chancellor, Harold Wilson, as a”squalid raffle.”Many governments now take a back seat when it comes to deciding issues on gambling, realising than prohibition would condemn the problem to underground activities, therefore losing revenue.One more point in gambling’s favour. As early as 1569 it was used as a means of raising funds for public projects.So there it is, not all forms of gambling are bad.In fact some are quite therapeutic. As long as indulgences are not taken to excess there is not much harm done. It is when gambling takes over one’s life that problems arise. The motto is “know your limits and stay safe”. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://nsbmjms.info/making-money-and-gambling,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Healthcare IT Companies and Healthcare Reforms</title> <link>https://nsbmjms.info/healthcare-it-companies-and-healthcare-reforms,html</link> <comments>https://nsbmjms.info/healthcare-it-companies-and-healthcare-reforms,html#comments</comments> <pubDate>Sat, 01 Apr 2023 18:56:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Healthcare]]></category> <guid isPermaLink="false">http://nsbmjms.info/?p=70</guid> <description><![CDATA[Without much ado, technology companies try to adapt to change, usually more quickly than anyone else can think. In fact, after the change is proposed or enacted as a law, the initial news are about the implementation done by some big company or firm, and how others are following the suit.Earlier this year, a very [...]]]></description> <content:encoded><![CDATA[<p> Without much ado, technology companies try to adapt to change, usually more quickly than anyone else can think. In fact, after the change is proposed or enacted as a law, the initial news are about the implementation done by some big company or firm, and how others are following the suit.Earlier this year, a very big change was proposed and enacted in the insurance industry. Healthcare reforms were implemented and brought tremendous amount of change in the healthcare sector. The main motive was to make sure that healthcare services are available to one and all within the range of affordable prices. Sure, a lot of entities had to face the brunt but the benefits of this change outweigh all the negativity that surrounds it.Healthcare providers, health insurance companies, employers who provide healthcare benefits to their employees are some of the main entities that are affected positively or negatively by these reforms. At the same time, agents, brokers and smaller units facilitating the process of health insurance are also affected.On the other hand, there are lots of opportunities and ideas that other firms can bank upon and create business. Software companies and service providing companies are vying hard to win customers-mostly on the B2B front of business.Healthcare reforms poses real challenge and a test to the healthcare IT companies as whether they can adapt to the change within the given time-period or not. The methodology could be simple:<br />Companies should know what type of change is required<br />Companies should understand the change and ways to address it<br />Companies should implement ways to adapt to change<br />Companies should make sure the compliance to change is monitored and audited<br />It is not easy to adapt to change quickly but survival in the market demands swift action when a change is imposed on the business. Healthcare companies have been opposing the implementation of healthcare reforms, but there are many benefits that healthcare companies can accrue from these reforms.It goes without saying that the short-term changes will have a negative impact on insurer profits. The requirements of the healthcare reforms demand that health insurance companies cannot sell policies with lifetime caps. At the same time, there will be reduction in government payments to Medicare Advantage plans.The insurance costs are the main target that the healthcare reforms are trying to bring down. It is expected that if the insurance costs could decrease, more of the 23 million people who remain uninsured will be able to afford coverage. This would mean that the people will not buy health insurance only after they get sick.The mandatory benefit package can cost more than the catastrophic plans, which will ensure that the insurance companies are not in loss. The healthcare reforms require that insurers provide a certain minimum level of benefits in the health insurance exchanges that individuals and small firms must use to buy coverage.On the downside of these healthcare reforms, it is expected that the law will reduce about $200 billion in government payments to Medicare Advantage plans. Healthcare IT companies that are heavily involved in that market will have to bear the major brunt.The challenge for healthcare IT companies is to analyze the situation and key areas where they need to change in order to make sure that their business does not suffer too much. Administrative costs need to be driven down in order to save on the profits, for, the premiums are going to slide down and reduce as the implementation goes in full-swing. With the creation of State insurance exchanges, the prices of health plans would become competitive. At the same time, technology compliance and implementation would require great amount of money to be spent. </p>]]></content:encoded> <wfw:commentRss>https://nsbmjms.info/healthcare-it-companies-and-healthcare-reforms,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Personal Loans are Here to Fulfill Your Personal Desires</title> <link>https://nsbmjms.info/personal-loans-are-here-to-fulfill-your-personal-desires,html</link> <comments>https://nsbmjms.info/personal-loans-are-here-to-fulfill-your-personal-desires,html#comments</comments> <pubDate>Sat, 01 Apr 2023 07:57:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Personal Loans]]></category> <guid isPermaLink="false">http://nsbmjms.info/?p=68</guid> <description><![CDATA[UK finance market at present is very vast offering infinite number of loan options. Borrowers take loan for different purpose. One of the loans that will help you fulfill your personal needs is the “Personal Loan”.A Personal Loan is a loan that is lent to an individual by financial institutions such as bank, building society [...]]]></description> <content:encoded><![CDATA[<p> UK finance market at present is very vast offering infinite number of loan options. Borrowers take loan for different purpose. One of the loans that will help you fulfill your personal needs is the “Personal Loan”.A Personal Loan is a loan that is lent to an individual by financial institutions such as bank, building society or other financial service provider for a specific personal reason. There are two main types of personal loan – secured loans and unsecured loans.A secured loan is any loan that requires the borrower to provide the lender with some form of security such as your property. Keep in mind that when you take a secured loan your home or the property is at risk if you fail to make payments on your mortgage or other loan secured on it.Unsecured loans are without any collateral or security and are based entirely on the character and capacity of the borrower to repayPersonal loans [http://www.easyfinance4u.com/secured_personal_loan.html] offers you to borrow an agreed sum of money for an agreed period of time. The interest rate charged on the loan can be either fixed or variable. A personal loan with a fixed rate has the fixed interest rate set throughout the life of your loan, which means you have the reassurance of knowing your monthly payments will not go up or down. A loan with a variable rate has an interest rate that fluctuates with the market change.Personal loan offers various loan options matching the expectations of different people. The key issues you should consider while choosing which Personal loan to take out are: – Borrowing limits – You can generally get a personal loan in the range of £1,000 to £75,000, it solely depends on how much do you need.<br />- Loan terms – The loan term may vary from 5 to 25 years depending on the type of loan taken- Providers – Banks, building societies and, increasingly, supermarket chains offer personal loans at competitive rates. Avoid loans from small firms that you have never heard of – this is a lightly regulated area and some of these loans can carry high interest rates coupled with heavy redemption penalties should you decide to move your loan to a cheaper firm.- Interest – Rate of interest depends on the duration for which the loan is taken. Generally there is, negative relationship between the rate of interest and duration for which the loan is taken.- Credit checks – Lender wants to make sure that it is not risky to give you loan and you do not have bad debts history. To do this they will check your entry on credit registers. A poor credit record won’t necessarily prevent you from getting a loan, but you will probably have to pay a higher rate of interest. You can know your credit score from the credit reporting agencies.Now you can search for lenders online by browsing through various websites and can collect quotes offered by them. You can make comparison among the various available options and can choose the one that you find appropriate.The greatest strength of personal loans is their flexibility. You can use personal loans to buy a car, for debt consolidation, finance your child’s education, renovate the house, or take a vacation. The options provided by Personal Loan are unlimited even beyond your imagination. you just need to search for the best one. </p>]]></content:encoded> <wfw:commentRss>https://nsbmjms.info/personal-loans-are-here-to-fulfill-your-personal-desires,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>11 Questions Landlords Should Ask When Interviewing a Potential Property Management Company</title> <link>https://nsbmjms.info/11-questions-landlords-should-ask-when-interviewing-a-potential-property-management-company,html</link> <comments>https://nsbmjms.info/11-questions-landlords-should-ask-when-interviewing-a-potential-property-management-company,html#comments</comments> <pubDate>Fri, 31 Mar 2023 21:47:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[management]]></category> <guid isPermaLink="false">http://nsbmjms.info/?p=66</guid> <description><![CDATA[Owning investment real estate is a great option for those looking to make a longterm commitment as opposed as a shortterm speculation. The management of such investment should always be trusted to professionals who are dedicated and committed to the industry and know how to deal with complex situations that are otherwise commonly ignored by [...]]]></description> <content:encoded><![CDATA[<p> Owning investment real estate is a great option for those looking to make a longterm commitment as opposed as a shortterm speculation. The management of such investment should always be trusted to professionals who are dedicated and committed to the industry and know how to deal with complex situations that are otherwise commonly ignored by inexperienced landlords.It is of the utmost importance that property owners know how to select and interview the property management company that best seems to specialize in the kind of investment that they are looking to have managed.If you are unsure what to ask your potential property manager before you sign a long term agreement with them, here are some questions that you can use as a guideline.1. What kind of property management experience do you have? You need to know for how long they have managed property and whether they have enough back up from the rest of their group.2. How many properties do you currently manage? Hiring a property manager that handles several thousand units could be somewhat risky as your property might end up lost in an ocean of other properties.3. How often do you inspect occupied and vacant units? It is important to know the frequency of inspections in occupied units. The reasons why you need to know this information is because you need to be assured that there will be a comprehensive assessment of potential damage to occupied units that has been caused by tenants. You also need to know the frequency of inspection though vacant units to prevent any potential risk of fire or other casualties. Trust me, I have seen fires occur in vacant units.4. What do you do with the information obtained from unit inspections? This is particularly important to ask because you need to make sure that the property management company has policies in place regarding the payment of damages to units caused by tenants or their guest. It would be of no benefit at all if they just report to you that all units were inspected, if they do not not have an aggressive plan of action based on unit inspections.5. How important is preventative maintenance to you and how is this handled by your company? Extensive and costly deterioration can occur to properties if there isn’t a preventative maintenance plan in place. Your property manager should keep a preventative maintenance log showing all items inspected and addressed as well as the signature of the maintenance supervisor acknowledging completion of all required tasks.6. How do you handle ongoing/daily maintenance? You need to know whether one or more dedicated maintenance technicians will be assigned to your property (based on the size of the property and number of units). It is also important to know the level of engagement of the maintenance supervisor (if any) and his role in ensuring that all maintenance issues are being addressed.7. After hours emergency handling. Have the property manager explain their process for handling after hours emergencies such as water leaks, fire or any other casualties. Ask whether there is an after hours phone number which tenants would have access to.8. Tenant Selection Plan. You need to know if the property manager has a Tenant Selection Plan that can be customized for your property. The TSP will help define the requirements that potential tenants would have to fulfill prior to renting a unit to them. You might also be want to be involved in the development of the rental criteria to ensure that only applicant who meet your requirements are approved. Keep in mind that you as well as your property manager are required to observe and conduct business based on Fair Housing Law. Your property manager should be absolutely familiar with what terms to use and which ones avoid when advertising your vacant units and when interviewing applicants.9. Transparency. How can I have access to review accounts payables, delinquency reports, collections, etc. You as the property owner should define the frequency and types of reports that your property manager should make available to you.10. Property Market Analysis. Does your management team shop comparable properties to keep up to date with local occupancy rates, average rent rates, amenities offered, specials, etc.? Please be aware that not all property management companies provide this service.11. What is your area of specialty? It is important to keep in mind that there are several specialties within the property management industry. If you own commercial property, you should probably stay away from property managers that have experience managing only multifamily or condo properties. The most common areas of specialty in property management are: Single Family, Multifamily, Condo Associations, Cooperatives, Retail, Medical, Commercial and Industrial.Management companies that specialize in the management of distressed and difficult-to-manage properties are usually capable of handling a broader spectrum of assets and engagement types, such as REO, Receiverships, and disputed assets.Retaining the right property manager can enhance the value of your investment property while making your life easier as you don’t have to deal with the headaches that this activity often represents. If you have plans to expand your real estate investment portfolio it is definitely worth having a strong property management company on your side. </p>]]></content:encoded> <wfw:commentRss>https://nsbmjms.info/11-questions-landlords-should-ask-when-interviewing-a-potential-property-management-company,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Spa and Its Types</title> <link>https://nsbmjms.info/spa-and-its-types,html</link> <comments>https://nsbmjms.info/spa-and-its-types,html#comments</comments> <pubDate>Fri, 31 Mar 2023 19:31:34 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Spa and Wellness]]></category> <guid isPermaLink="false">http://nsbmjms.info/?p=64</guid> <description><![CDATA[There are a number of spas all over the world and right now it is a famous business as well. In this stressful life, a spa is one of the best options as it will help in relieving stress. There are many people in the hospitality industry that can help you in searching for a [...]]]></description> <content:encoded><![CDATA[<p> There are a number of spas all over the world and right now it is a famous business as well. In this stressful life, a spa is one of the best options as it will help in relieving stress. There are many people in the hospitality industry that can help you in searching for a spa therapy.Melbourne is the hub of such retreats and massage parlours. Day Spas Melbourne is pretty famous and you can easily find one of them. In the past few years, people all over the world have realised the benefits of these treatments which is why there is an increase in the demand for such retreats.It is basically a place where people come and devote time in order to feel better through various procedures that will relax your mind and body. There are a variety available and you can go for the one you like the most.Following are different types of spa retreats available:The most common type is the day spa. It is especially developed for people who don’t have enough time to go for a full fledged procedure which lasts several hours. A day treatment requires about an hour which is quite less and such amount of time can be easily spared. This therapy involves back treatment, foot treatment and many others as well.Another type is a destination spa which will require at least a day. A special menu will be provided to you and you can choose the type of treatment you want. This plan would definitely take much more time than the day option.Medical spa is another famous type. This is basically offered by a medical organisation. As it is offered by medical organisations, the main focus is on the well being of a person. There are various injuries that require special treatments.In the mineral springs spa, the curative powers of a mineral spring are used. These are difficult to find but are very much beneficial for your body.The day spa is famous and is very common in Melbourne. You can search for one on a search engine and you will come across a number of them all across the city. Search for the prices and compare them beforehand so that you can get the best rejuvenating treatments at reasonable prices. Most of these present in Melbourne offer various kinds of treatments at an affordable cost. If you feel that your mind and body are tired out due to stress and work, then you should go for a treatment in Melbourne. </p>]]></content:encoded> <wfw:commentRss>https://nsbmjms.info/spa-and-its-types,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Healing The Mind, Body and Spirit Through Dream Translation</title> <link>https://nsbmjms.info/healing-the-mind-body-and-spirit-through-dream-translation,html</link> <comments>https://nsbmjms.info/healing-the-mind-body-and-spirit-through-dream-translation,html#comments</comments> <pubDate>Fri, 31 Mar 2023 17:40:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Mind Body Spirit]]></category> <guid isPermaLink="false">http://nsbmjms.info/?p=62</guid> <description><![CDATA[Your dreams heal your mind, body, and spirit at the same time because the unconscious mind that produces your dreams has a divine origin and works like a psychotherapist. In other words, the unconscious mind cures your psyche, your brain, and your body through dream messages.Your body is only a cover. What really matters is [...]]]></description> <content:encoded><![CDATA[<p> Your dreams heal your mind, body, and spirit at the same time because the unconscious mind that produces your dreams has a divine origin and works like a psychotherapist. In other words, the unconscious mind cures your psyche, your brain, and your body through dream messages.Your body is only a cover. What really matters is the transformation of your spirit. Your spirit will remain alive even when your body will die.The impression that the material reality is the only one you should care about is based on human ignorance. The same way that our ancestors couldn’t protect themselves from various diseases because they ignored the existence of bacteria (which is not visible to the human eye without a microscope) you cannot protect yourself from various invisible dangers because you cannot see them.The fact that you cannot see them doesn’t mean that they don’t exist. There are numerous invisible dangers threatening your peace of mind and happiness all the time. Your invisible spirit is constantly exposed to these dangers, like your body.The unconscious mind shows you in dreams everything you cannot see. You understand why you have to pass through difficult experiences in life. Everything depends on you personality.You live in order to become a wise and sensitive human being. You must learn the meaning of goodness and understand the importance of sanctity.You probably don’t think that this is the purpose of your life because you follow the mindset of the crazy world. You believe that you must satisfy the desires of your selfish ego. You care only about having material pleasures.Material pleasures may give you satisfaction for a certain period of time, but they won’t solve your problems. If you care only about your material reality you are wasting your time. You must care about your spiritual reality and become a better person while you are alive.Through dream translation you’ll understand the spiritual dimension of your reality. Nothing is as empty as it seems to be when you take into consideration only the material dimension. You don’t live only because you have to pass through a process of evolution that goes from one point to another. Your life is not an empty circle.Your body gives you pleasure and pain because it works like a psychotherapeutical tool. Your animal nature helps you transform your personality because your spirit must be transformed.Even if you believe that you are a good person based on the criteria of your historical time, you must transform your personality and learn how to be sensible and sensitive. You have inherited evilness and absurdity into the biggest part of your brain. You are very far from real balance and goodness.God looks at you with sadness and fear because He knows that you are selfish, lazy, indifferent, violent, and cruel. He will be happy with you only when you’ll attain spiritual perfection and sanctity. If you are not perfect, He is very sad with you.This is a basic truth you must understand, so that you may understand the unconscious logic in dreams. You must also understand your position in life. You have to stop being indifferent to your mistakes.The impression that God simply forgives your mistakes because He knows that you are imperfect is a misinterpretation of His goodness. God is sensitive and saintly. He cannot let you behave like a demon. He doesn’t close His eyes to our sins.You have to stop being absurd and find sound mental health because this is how you will transform your spirit. When you are absurd, you are punished with a physical disease. You have to stop doing what is negative.Other people are punished for their sins after making mistakes for years and years, in different ways. This happens because they were not ready to understand the meaning of their punishment. All sinners are always punished someday (even if they don’t pay attention to the life lessons they have) but God tries to punish them when He believes that they may regret.You can analyze your psychological problems as if they were religious lessons. As a matter of fact, each religion is a form of psychotherapy. Science and religion are not opposite disciplines. Each one cures your mind, body, and spirit in a different way.Your dreams provide you with a clear psychological treatment, which also works like spiritual transformation. Dream translation is a miraculous solution that opens a new horizon for you.You will find physical health, sound mental health, and wisdom by following the unconscious guidance in dreams. You will be cured without having to pass through surgical operations, and without medications. You only have to be an obedient student and patient. </p>]]></content:encoded> <wfw:commentRss>https://nsbmjms.info/healing-the-mind-body-and-spirit-through-dream-translation,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Personal Budgeting Software – Manage Your Cash Flow And Budget With Ease</title> <link>https://nsbmjms.info/personal-budgeting-software-manage-your-cash-flow-and-budget-with-ease,html</link> <comments>https://nsbmjms.info/personal-budgeting-software-manage-your-cash-flow-and-budget-with-ease,html#comments</comments> <pubDate>Sun, 26 Mar 2023 06:54:14 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[management]]></category> <category><![CDATA[software]]></category> <guid isPermaLink="false">http://nsbmjms.info/?p=59</guid> <description><![CDATA[You have made the decision to create a personal budget and the next stage is finding the right software to suit your needs. Below are some guidelines to help you choose the right financial software, along with the possible pitfalls when using free software.Why make a personal budget? Making a personal budget is simply about [...]]]></description> <content:encoded><![CDATA[<p> You have made the decision to create a personal budget and the next stage is finding the right software to suit your needs. Below are some guidelines to help you choose the right financial software, along with the possible pitfalls when using free software.Why make a personal budget? Making a personal budget is simply about making a log of all your expenditures and all of your income so that personal future income can be allocated towards expenses, savings and the repayment of debts. Once all your bills are paid, your bottom line is the amount that is left over for you to enjoy or invest, or the reverse is how much enjoyment you have to cut out of your life before you are in serious trouble financially! Some people have a lot of debt, and the only way to get back on track and get a clear picture of their finances is to make a budget where past spending and debt are considered to create a personal budget.What features do I need for my personal budgeting? When choosing personal budgeting software, decide what features you require. If you have not made a budget before, keep it simple as the more complicated the budget system is, the less likely you are to stick to it! You do not need to list each and every item purchased, but can put them all into one category, e.g. car, food, etc. When choosing budgeting software, look for a program that can do the following:<br />Manages cash flow<br />Keeps bank accounts, credit cards and savings information in one place<br />Creates charts and reports showing your budget activities so you can visualise how you are spending your money and can track progress<br />Creates schedules and alerts<br />Manages debt<br />Gives savings recommendations/sets up spending goals<br />Has bills calendar/bills tracker<br />Creates budget/budget calculator showing areas to cut back on and generates a spending plan<br />Where can I buy personal budgeting software? There are numerous personal budgeting software programs available either as downloads or discs that are installed on your computer. Search online to find software that will suit your needs and read up on the many reviews that are available about each particular package. You might, for example, choose to buy a bookkeeping package which includes budgeting functions. If available, download a free trial version first before deciding on purchasing a particular program. Compare prices, designs and features and see if there are any offers or coupons available when buying online.Is free web-based personal budgeting software safe? These free sites host all your data online. The pros of this are these sites are great if you cannot afford to buy a program, or if your computer fails, your data can be accessed from any computer by using your password. There could be drawbacks however, as there is the possibility of security issues as not everyone would want to keep their personal data on somebody else’s server. If you are just getting started with creating a personal budget, do not get overwhelmed by the task ahead. Once you have made that step and got started, the results will be extremely rewarding when you see your spending clearly set out before you, which will help you to achieve your financial dreams! </p>]]></content:encoded> <wfw:commentRss>https://nsbmjms.info/personal-budgeting-software-manage-your-cash-flow-and-budget-with-ease,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How Does Cryptocurrency Gain Value?</title> <link>https://nsbmjms.info/how-does-cryptocurrency-gain-value,html</link> <comments>https://nsbmjms.info/how-does-cryptocurrency-gain-value,html#comments</comments> <pubDate>Tue, 28 Feb 2023 17:03:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://nsbmjms.info/?p=56</guid> <description><![CDATA[Cryptocurrencies are the latest ‘big thing’ in the digital world and have now been recognized as being part of the monetary system. In fact, enthusiasts have tagged it as ‘the revolution of money’.In clear terms, cryptocurrencies are decentralized digital assets that can be exchanged between users without the need for a central authority, the majority [...]]]></description> <content:encoded><![CDATA[<p> Cryptocurrencies are the latest ‘big thing’ in the digital world and have now been recognized as being part of the monetary system. In fact, enthusiasts have tagged it as ‘the revolution of money’.In clear terms, cryptocurrencies are decentralized digital assets that can be exchanged between users without the need for a central authority, the majority of which being created via special computation techniques referred to as ‘mining’.The acceptance of currencies, like the US Dollar, Great British Pound and the Euro, as legal tender is because they have been issued by a central bank; digital currencies, however, such as cryptocurrencies, are not reliant on the confidence and trust of the public on the issuer. As such, several factors determine its value.Factors that Determine the Value of CryptocurrenciesPrinciples of Free Market Economy (Mainly Supply and Demand)Supply and demand is a major determinant of the value of anything of value, including cryptocurrencies. This is because if more people are willing to buy a cryptocurrency, and others are willing to sell, the price of that particular cryptocurrency will increase, and vice versa.Mass AdoptionMass adoption of any cryptocurrency can shoot its price to the moon. This is due to many cryptocurrencies having their supply capped at a particular limit and, according to economic principles, an increase in demand without a corresponding increase in supply will lead to a price increase of that particular commodity.Multiple cryptocurrencies have invested more resources to ensure their mass adoption, with some focusing on the applicability of their cryptocurrency to pressing personal life issues, as well as crucial day-to-day cases, with the intention of making them indispensable in everyday life.Fiat InflationIf a fiat currency, like the USD or GBP, becomes inflated, its price rises and its purchasing power drops. This will then cause cryptocurrencies (let’s use Bitcoin as an example) to increase with respect to that fiat. The result is that you will be able to acquire more of that fiat with each bitcoin. In fact, this situation has been one of the major reasons for Bitcoin’s price increase.Scams and Cyber Attack HistoryScams and hacks are also core factors affecting the value of cryptocurrencies, as they are known to cause wild swings in valuations. In some cases, the team backing a cryptocurrency may be the scammers; they’ll pump the price of the cryptocurrency to attract unsuspecting individuals and when their hard-earned money is invested, the price is shortened by the scammers, who then disappear without a trace.It is therefore imperative to be careful of cryptocurrency scams before investing your money.Some other factors to consider, that have an impact on the value of cryptocurrencies, include:</p><p>Manner in which the cryptocurrency is stored, as well as its utility, security, ease of acquisition and cross-border acceptability</p><p>Strength of the community backing the cryptocurrency (this includes funding, innovation and the loyalty of its members)</p><p>Low associated risks of the cryptocurrency as perceived by investors and users</p><p>News sentiment</p><p>Market liquidity and volatility of the cryptocurrency</p><p>Country regulations (this includes the ban of cryptocurrency and ICOs in China and its acceptance as legal tender in Japan)</p>]]></content:encoded> <wfw:commentRss>https://nsbmjms.info/how-does-cryptocurrency-gain-value,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Disney Here We Come! Free Flights and Hotel Included!</title> <link>https://nsbmjms.info/disney-here-we-come-free-flights-and-hotel-included,html</link> <comments>https://nsbmjms.info/disney-here-we-come-free-flights-and-hotel-included,html#comments</comments> <pubDate>Thu, 02 Feb 2023 07:02:48 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://nsbmjms.info/?p=54</guid> <description><![CDATA[Every parent knows that Walt Disney World is a great vacation destination, and they also know it is an extremely expensive one. So, what’s this “free flights and stay” stuff? Glad you asked…Recently, Marci and I realized that our soon-to-be 9-year-old daughter last experienced Disney at age 4, and she does not remember much of [...]]]></description> <content:encoded><![CDATA[<p> Every parent knows that Walt Disney World is a great vacation destination, and they also know it is an extremely expensive one. So, what’s this “free flights and stay” stuff? Glad you asked…Recently, Marci and I realized that our soon-to-be 9-year-old daughter last experienced Disney at age 4, and she does not remember much of it. So, we made a decision: 5 nights at Disney World in Spring 2016!Being the cost-minded guy I am, the first thing I thought was “the tickets are going to absolutely slay me, and there are no awesome discounts on those, so what can I get for free?” Air and hotel instantly leaped to my mind. And this is where having a diversified points and miles strategy really comes into play. Let me explain.The two cards that made this whole trip possible (Chase Sapphire Preferred and Starwood American Express), both earn flexible points, which are the best kinds of points to have. I can redeem Chase Ultimate Rewards points for a fixed rate of 1.25 cents per point toward travel (through the Chase website), but I can also transfer my points to the loyalty programs of Chase partners such as Southwest, United, Hyatt, and others (hence the “flexible” part). When I transfer my points, I can get greater value out of them (for example, Southwest is typically going to yield somewhere between 1.4 and 1.6 cents per point, which is obviously better than the 1.25 cents per point I just mentioned). For our trip, we will fly Southwest to Orlando from Atlanta, and we won’t need a ton of points to do so (since Atlanta to Orlando is a low fare and Southwest bases the points required on the fare), For the four of us, we are probably looking at around 45,000 – 50,000 Southwest points to get there and back. So, our airfare is covered with Chase points after we transfer them to my Southwest account. Incidentally, Starwood points can be transferred to over 30 different airlines, hence their placement in the “flexible” category. They can be used both at Starwood hotels and for a wide variety of flights.For this Disney trip, Marci and I wanted to stay somewhere fairly nice and close to the parks without having to a) spend a ton of money or b) commit to Disney’s “Deluxe” hotels, which easily run $300-$500 a night during busy seasons. As many of you Disney aficionados already know, Starwood owns the Dolphin and Swan hotels, which are on Disney property and are incredibly close to EPCOT and Hollywood Studios, but they are not actually owned by Disney. As such, I can use Starwood points toward my stay at either of these two hotels. The Swan and Dolphin hotels are Category 4 hotels, which means they cost 10,000 points per night. If I had to rely on just my points earned from my everyday spend, it would take me forever to save enough points for 5 nights one night. But, when I signed up for the card, I got 25,000 points after meeting the spend requirement. After putting $15,000 total on the card, I have 40,000 points, and that is enough for 5 nights… wait, I thought you just said it was 10,000 points per night, Jim! Ah, the even better part. With Starwood stays paid with points, your fifth night is free! So, 40,000 points gets me 5 nights rather than just 4.Now, how much is this really saving me? Well, the flights (as priced today) are around $900 for the four of us. The hotel would be about $300 a night, but I also do not have to pay the tax since there is nothing to tax. So, that’s between $1600 and $1700 in hotel savings right there. Note: we do have to pay a resort fee and parking (for our rental car), but to save that much for that hotel? It’s a no brainer. All totaled, that’s around $2500 in savings, which for us working families is a life saver. But as I always say… when I have saved this much on the trip, I will put some of that back into the other aspects of the vacation, e.g. dining, souvenirs, and tickets. I’m not looking to be a cheap skate… I am looking to live large without spending large! And so can you!My tip for couples who want to duplicate what I am doing (assuming you are comfortable with signing up for credit cards): first, only one of you needs to apply for the Starwood American Express, though you can both apply and combine your points and reach the 40,000 point goal faster if you don’t have the time to put the extra spend on one card. The other person, or both of you, can apply for the Sapphire Preferred, assuming you can meet the combined minimum spends on all of the cards. If you can’t meet the spend on these cards simultaneously, then get the Starwood card first since room availability will get tougher as time goes on. Then move on to the Sapphire card. Southwest will always let you use points for their flight if a seat is available, and that is one of the reasons I love them. One last note: if Southwest is not a great option where you live, you can also transfer your Chase points to your United account (if that airline works better for you) or simply use the Chase points through Chase’s travel portal for slightly less value, but unlimited flexibility.If you want to stay on Disney property at a non-Disney hotel, then the Swan and Dolphin are just about the best you can get. With regard to the flights portion of your trip, I am merely using the Chase Sapphire Preferred as an example of how to get there. There are lots of other cards that can help you get there as well, but the point of the article is: you can have this vacation, too! </p>]]></content:encoded> <wfw:commentRss>https://nsbmjms.info/disney-here-we-come-free-flights-and-hotel-included,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Cheap Payday Loans – What You Need to Know About Obtaining Low Cost Payday Loans</title> <link>https://nsbmjms.info/cheap-payday-loans-what-you-need-to-know-about-obtaining-low-cost-payday-loans,html</link> <comments>https://nsbmjms.info/cheap-payday-loans-what-you-need-to-know-about-obtaining-low-cost-payday-loans,html#comments</comments> <pubDate>Wed, 01 Feb 2023 20:23:16 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://nsbmjms.info/?p=52</guid> <description><![CDATA[Cheap payday loans are what many people look for when they encounter an urgent financial situation they don’t have the funds to take care of. When you’re looking for a cheap Payday Loan, there are a few factors to consider. While there are various payday loan providers located across the United States, many lenders have [...]]]></description> <content:encoded><![CDATA[<p> Cheap payday loans are what many people look for when they encounter an urgent financial situation they don’t have the funds to take care of. When you’re looking for a cheap Payday Loan, there are a few factors to consider. While there are various payday loan providers located across the United States, many lenders have now made their services available online, which makes comparing their benefits and features easier than ever. You’ll immediately notice a common thread – most are offering quick cash while claiming to offer it cheaply. How does one determine which provider has the best offer with the least out of pocket expense? Is there even such a thing as cheap Payday Loans?The number one way to make sure your Payday Loan experience is the most cost-effective one for you, is to shop around. Don’t settle on the first great sounding deal that comes your way. Instead, research several lenders, determine if their terms are clear, and ask questions about any aspects of the process that you do not understand. There’s no such thing as a stupid question, especially when it pertains to your finances. Don’t assume you should already know the answers when you don’t. As regulated as the payday loan industry is, there are still some unscrupulous lenders out there who prey on the desperate and unwary. Never, ever, pay for the opportunity to apply for a Payday Loan. No reputable lender will charge you a fee simply for applying for a loan that has no guarantee of approval.Another way to keep payday loan costs under control is to remember to take time to study your disclosure agreement and carefully review terms and conditions. Carefully look for hidden fees, as well as the fees charged in the unfortunate event you cannot pay your loan back on time. If you are unsure of what a certain aspect of your loan agreement means, ask for clarification. Make sure you are dealing with a provider who complies with the Federal Truth in Lending Laws. Do not sign anything until you are absolutely sure what you are signing. Read the fine print and be pro-active. You are taking the reins of your financial situation by applying for this payday loan, so don’t steer yourself down the wrong path by overlooking the important details. An oversight may wind up costing you even more financially!The term “cheap”, as it relates to Payday Loans can be viewed as a relative term. Your primary expenditure should be the interest rate charged, which varies from state to state. Long term loans use the expression “Annual Percentage Rate” for the interest a borrower will pay on their loan. The APR represents the annual percentage of the amount of credit granted. While a loan’s APR is useful when comparing lenders, it is a flawed measure when it comes to payday loans. This is because payday loans are not stretched out for a year, making this annual measure basically irrelevant. Payday loans are intended to be used as short term financial solutions and are to be repaid on your next pay date. Therefore, simply comparing the payday loan rates, which range from 15%-50% of the amount borrowed, is a better way to determine how cheap a payday loan really is. This interest rate, though it may seem high in comparison to long term loans, is often less than the cost of returned checks and late charges, not to mention the damage prevented on your credit rating by being able to pay last minute bills on time.The key to obtaining cheap Payday Loans is being an informed consumer. Compare payday loan providers and their interest rates. Carefully review your disclosure agreement so that you understand the total cost of your payday loan and what amount you will be paying back on your next pay date. If you want to save a few more bucks, you can apply online and save yourself the gas money required to drive to a payday loan store location. Many reputable lenders now offer this option. Do your research and apply from the comfort of your home and save yourself on fees, the trip, and the gas! </p>]]></content:encoded> <wfw:commentRss>https://nsbmjms.info/cheap-payday-loans-what-you-need-to-know-about-obtaining-low-cost-payday-loans,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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