![[Valid RSS]](images/valid-rss-rogers.png "Valid RSS")
This is a valid RSS feed.
This feed is valid, but interoperability with the widest range of feed readers could be improved by implementing the following recommendations.
<?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>ouinaln.info</title> <atom:link href="http://ouinaln.info/feed" rel="self" type="application/rss+xml" /> <link>https://ouinaln.info</link> <description></description> <lastBuildDate>Sun, 18 Feb 2024 17:40:08 +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>Laws and Ethics…. Who’s Kidding Who?</title> <link>https://ouinaln.info/laws-and-ethics-whos-kidding-who</link> <comments>https://ouinaln.info/laws-and-ethics-whos-kidding-who#comments</comments> <pubDate>Thu, 06 Apr 2023 23:38:34 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Law]]></category> <category><![CDATA[Law and Issues]]></category> <guid isPermaLink="false">http://ouinaln.info/?p=79</guid> <description><![CDATA[Years ago I read an article by a renowned psychologist wherein he wrote his studies found one percent of all human beings would never lie, cheat or steal. One percent would always lie, cheat or steal and given the right set of circumstances, the rest of us would likely lie, cheat and/or steal.I mention this [...]]]></description> <content:encoded><![CDATA[<p> Years ago I read an article by a renowned psychologist wherein he wrote his studies found one percent of all human beings would never lie, cheat or steal. One percent would always lie, cheat or steal and given the right set of circumstances, the rest of us would likely lie, cheat and/or steal.I mention this to highlight the fact that, if we can buyoff on this one principle – sobering though it may be – we have then, a benchmark from which to begin to at least try to understand the denigration of ethics that lead to outcomes like Enron and WorldCom.Most believe morality walks hand-in-hand with unquestioned ethics. A quick look-up in a dictionary for Morality reveals words like, ethical, good, right, honest, decent, proper, honorable, just, principled and so on. All good words, no doubt. Words too that describe what most of us – including Enron Exec’s – see in ourselves, Morally Upstanding.Nevertheless, there is no shortage of those who climb high upon their perch in an attempt to [dare I say] distance themselves from the great unwashed by proclaiming their undaunted commitment to honesty and ethics all the while engaging in activities to the contrary. Foyer walls of most companies utterly ooze words of benevolence and righteousness – there only for others to see, but in practice, never to be followed.To be fair, the great unwashed are not sacrosanct from unethical behaviors or from a reluctance to take ownership for actions deemed untoward. Even if it’s something as simple as misusing the Internet or pinching office supplies from the company stockroom.The fact is, the Enrons and Worldcoms have not cornered the market on unethical behavior. Like it or not, moral degradation is systemic in today’s society.In an attempt to enlighten us on the realities of true ethical behavior, USA Supreme Court Justice Potter said, [Ethics] “…is knowing the difference between what you have a legal right to do, and, what is the right thing to do”.Omniscient words to say the least! Words that in theory make a whole lot of sense. In practice, however, one may point out to his Honor, when he is seated on the Supreme Court bench and asked to adjudicate anything, his moral and ethical position, is and will always be, compromised by one factor – in the end, what is LEGAL… what is the LAW?Climb any pedestal he wants, in practice, his dedication to ethics is only words, like so many words used to make up so many smarmy Corporate Mission Statements that run juxtaposed to routine.The Judge in this case, should not be criticized for knowing the fundamentals of true morality / ethics or for advocating the benefits therein. Neither should he be allowed to stand apart from anyone when clearly, in reality, he too is handcuffed by the very principle that challenges the rest of us – the thing that governs the outcome of most every ethical business decision – IS IT LEGAL? The decision to lay-off 1-100-1,000 or more employees; we can do it – but is it legal? The decision to withhold commissions, payables or taxes in order to weather corporate economically challenging times – Q: What are the legal ramifications?The ethical dilemma regarding whether to cut back on contracted services to improve the bottom line and appease the shareholders – Ethics be damned – Q: What’s our legal position?It’s not a pretty world and it serves no purpose in kidding ourselves by attempting to extirpate our own involvement by blaming the Business-Barons from the likes of WorldCom. Let’s agree, when faced with most ethical dilemmas, we all hide [if we can] behind the skirt of the lady who holds the scales of justice………………………………………….The question still remains, however, how do the Enrons and WorldComs get so out-of-hand?The answer is not all that mysterious, especially if you buy-off on what was written earlier – … given the right set of circumstances, nearly all of us [from time-to-time] will take the wrong path.It’s shortsighted to believe high-level executives get out of bed each morning thinking about how they can swindle the world, take unfair advantage or act unethically. Just the opposite! That’s not to say, however, just like in Supreme Court Justice Potter’s case, there are circumstances beyond their control that may unequivocally govern decisions, which may challenge their innate moral commitment to ethics.For example; who among us cannot think of a boss we once had [have] who said to us something like, “I don’t want to hear how you’re NOT going to achieve what I asked and the company EXPECTS…. I only want to see RESULTS!”In many cases like this and in practice, the decision we are left to make is, is our ethical position more important than keeping our job and putting food on the table for our family? It’s a tough world out there for those without a good job. So suck it up soldier! You’re only doing what you’ve been ordered to do! It’s not your decision! Somebody else will have to take responsibility for your unethical actions if the doo-doo hits the fan….. And we all then fall a little deeper onto the sword of ethics……………………………………………Everyone’s for corporate and personal liability to include financial recompense and/or jail terms especially for those at the top entrusted by us to always do what is right. We must be careful tough. To level our sights only on CEOs or CFOs is to miss the real perpetrators by aiming too low.Like us, CEOs have bosses too. They report the Board of Directors. Granted, Boards have shareholders to whom they are ultimately accountable, but in practice, the buck stops at the Board level where ethical decisions – bad or good – are made.In the book, Built to Last: Successful Habits of Visionary Companies, Jim Collins and Jerry Porras speak to this issue by highlighting the [Board's], “explicit emphasis on Fair return rather than Maximum return”.Again, I must point out, fine words we can all embrace because they altruistically revolve around the Golden Rule of fairness. In general, however, they are not always practiced. Sadly, we live more today, an aberration of author *Ayn Rand’s existential position – there is no room for altruism in business.Understand a CEO’s ethical dilemma when challenged with a take-it-or-leave-it Maximum return challenge. In the end, an executive’s lifespan is predicated on one thing: ‘carrying out’ or being ‘carried out’………………………………………….My observation should in no way be construed as an endorsement for the illegalities engaged in by Enron / WorldCom or others still to be discovered. The point is, what they are accused of didn’t just happen overnight. Given the right set of circumstances, the right amount of time, the right global competitive business climate, the right protection under the law, these large companies evolved – learned to become what they are today.Does that make them any less culpable? No! But it should serve more as a lighthouse warning that, a) This problem is more far-reaching – insidious – than we might once imagined, and, b) It Must be corrected – Quickly!…………………………………………On a positive note, there are and have been many reputable studies done on the positive impact of ethics in the workplace for example **Harvard Business School Professors John Kotter and James Heskett who studied the performance of 207 large firms over an 11-year period. In their findings they wrote:Corporate culture can have a significant impact on a firm’s long-term economic performance. They found the firms with cultures that emphasized all the key managerial constituencies (customers, stockholders, and employees) and leadership from managers from all levels outperformed, by a large margin, firms that did not. Over an 11-year period, the former increased revenues by an average of 682% versus 166% for the latter, expanded their work forces by 282% versus 36%, grew their stock prices by 901% versus 74% and improved their net incomes by 756% versus 1%.The net-net of this demonstrates companies that paid attention equally to customers; stockholders and employees outperformed those that didn’t and over an 11-year period garnered a net growth income factor of 756%. Ethics Pays!…………………………………………On the other hand, all the positive studies in the world will do little to stop the dismantling of morals and ethics as long as those who engage in unethical behavior are allowed to continue. It’s time Governments and law-enforcement agencies bring more pressure to bear on those who sit back comfortably at a distance [Corporate Boards] creating policies that stretch the boundaries of law and fan the flames of ethical undoing.Stronger laws and penalties with teeth – financial and criminal – are needed to bring needed consequences to already financially comfortable Board Directors who, I think we’ll find out quite quickly, will be more willing to re-embrace the “Do Unto Others” principle that keep business strong and elevates the collective!* Ayn Rand: Author Atlas Shrugged** Jeffery L Seglin: Author The Good the Bad and Your Business </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://ouinaln.info/laws-and-ethics-whos-kidding-who/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Why Get A Life Insurance Quote Today</title> <link>https://ouinaln.info/why-get-a-life-insurance-quote-today</link> <comments>https://ouinaln.info/why-get-a-life-insurance-quote-today#comments</comments> <pubDate>Thu, 06 Apr 2023 21:18:36 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[insurance]]></category> <category><![CDATA[life insurance]]></category> <guid isPermaLink="false">http://ouinaln.info/?p=77</guid> <description><![CDATA[Life insurance is something that many of us tend to postpone. After all it is for an eventuality that is not likely to happen today or the next day. This procrastination is what gets many people and their families into trouble. Get a life insurance quote without delay.The importance of life insurance:In the event of [...]]]></description> <content:encoded><![CDATA[<p> Life insurance is something that many of us tend to postpone. After all it is for an eventuality that is not likely to happen today or the next day. This procrastination is what gets many people and their families into trouble. Get a life insurance quote without delay.The importance of life insurance:In the event of your untimely demise, your family still has to pay the bills, educate the kids and pay back all the liabilities ranging from short term credit card loans to mortgages. Getting Insurance quotes is the first step in ensuring your family’s financial security.Even when people get life insurance, many of them don’t buy adequate cover or the right type of insurance products for their needs. Getting the right policy requires some study of the available products in the market and then picking the right policies to meet your financial security goals. Getting a life insurance quote is the best way to start the analysis.This gives you an idea about the types of products available to you and what they mean in terms of premium payments and benefits.An overview of the options available:There are two major categories of policies, the term insurance and whole life insurance. While term insurance has just an insurance component in most cases, whole life insurance has both insurance and savings components.There are different types of term insurance policies. Each gives you an insurance cover for a certain number of years. Depending upon the policy, some of them give you the option to exit or renew the policy at fixed intervals.These intervals could range from one to a number of years. Depending upon the type of risk cover they offer, the premium of these policies could increase or decrease as the years go by. Once the policy expires, all the benefits under these policies cease.Whole life coverage on the other hand covers you for the rest of your life. These policies tend to be expensive when compared to term insurance due to two reasons. One, they involve higher risks and the risk increases with your age.The second factor is the savings component, or cash value that they include. This cash value accrues throughout the policy period and is paid upon your death to your family.The type of policy or policies that you should opt for depends upon your circumstances and goals. If you are confident that you will be able to pay all your debts and accumulate enough savings to support your family even after retirement, then term insurance may be enough.If on the other hand you have dependents needing financial support throughout their lives, like children with special needs or suffering from disabilities, whole life plans could be the best for you. Most people usually have a mix of different types of insurance policies which gives them the optimal cover with minimal premium outflows.Determining your life insurance requirements:How much insurance cover is good enough? Again, the answer to this question depends upon your current expenditure, liabilities and anticipated future expenses and liabilities. Your life style and the kind of life that you would like to guarantee to your family also plays an important role. Here are the important factors to consider:1. Your current monthly income and expenses and anticipated increases in the future. Your coverage should be able to generate funds that can be invested in safe assets to generate similar income levels.2. The period that your family will need financial support. This could depend upon other earning members in the family and the likely earning members of the future.3. Take into account your current liabilities like mortgages. Your family should be in a position to pay up the loans in case of your death.4. Your anticipated future liabilities like the education expenses of your children.Getting the optimal insurance cover:The type of insurance and the options that are available to you depend on many factors. These include your age and the amount of premiums that you can afford to pay. Several other factors could also limit your choices to some extent.The best way to arrive at the optimal mix of life insurance policies is to get a life insurance quote. Online life insurance quotes are the best because they allow you to input certain parameters and pull out the available policies for you from many different providers.This helps you weigh your options and narrow your choices.Whatever the method you use, don’t procrastinate. Start now by requesting a life insurance quote. Keep in mind two important things before you decide to buy any policy.One is the reliability of the insurance company. Check out their ratings and customer service history. The second important thing is to read the terms and conditions very carefully. Life insurance is after all a long term commitment with critical implications. You certainly don’t want to go with the wrong company or pick up the wrong policy. </p>]]></content:encoded> <wfw:commentRss>https://ouinaln.info/why-get-a-life-insurance-quote-today/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How You Can Use a Small Business List</title> <link>https://ouinaln.info/how-you-can-use-a-small-business-list</link> <comments>https://ouinaln.info/how-you-can-use-a-small-business-list#comments</comments> <pubDate>Thu, 06 Apr 2023 18:51:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Business]]></category> <category><![CDATA[Advertising]]></category> <category><![CDATA[branding]]></category> <category><![CDATA[business]]></category> <category><![CDATA[Business Travel]]></category> <category><![CDATA[Careers Employment]]></category> <category><![CDATA[Consulting]]></category> <category><![CDATA[Furnishings and Supplies]]></category> <category><![CDATA[Industrial Mechanical]]></category> <category><![CDATA[International Business]]></category> <category><![CDATA[Interviews]]></category> <category><![CDATA[Management]]></category> <category><![CDATA[Marketing]]></category> <category><![CDATA[Networking]]></category> <category><![CDATA[Sales Management]]></category> <category><![CDATA[Sales Training]]></category> <category><![CDATA[Security]]></category> <category><![CDATA[Small Business]]></category> <guid isPermaLink="false">http://ouinaln.info/?p=75</guid> <description><![CDATA[Small businesses are usually sole proprietorships, partnerships or privately owned corporations. They employ a small number of employees and often do not have financial turnovers as large as those of large multinational companies. Small businesses are present in every industry. Ranging from interior designing to jewelry sales and even pet services, it is hard to [...]]]></description> <content:encoded><![CDATA[<p> Small businesses are usually sole proprietorships, partnerships or privately owned corporations. They employ a small number of employees and often do not have financial turnovers as large as those of large multinational companies. Small businesses are present in every industry. Ranging from interior designing to jewelry sales and even pet services, it is hard to avoid any of these businesses in our daily lives.However, with so many small businesses selling products and services in society, we often forget that they can potentially be a very lucrative pool of customers as well. Any company that provides products or services to small businesses can benefit greatly from having a small business list.Fortunately, the advancement of technology has enabled almost anyone to get access to a small business list with ease. There are online portals available for organizations and individuals to communicate with these small businesses, allowing them to get up-to-date information about company details and any other updates. One can also do a quick search online to look for such publicly available small company details. However, this is a potentially long and tedious process.A good alternative is to look for small business mailing lists offered by list brokers and compliers on the web. The small business lists provided by brokers enable immediate access to a large pool of up-to-date information about other small businesses. The best part is that these lists are continuously being updated, so you won’t have to worry too much about getting outdated information. A quick rental of such a list would save one the time of having to personally search and update records.Next, after having a small business list, individuals and other businesses can use it to their advantage. Entrepreneurs, start-up firms and home-based workers can use the list to conduct market analysis and research for example. This way, they easily identify market needs and are able to offer their products and services to these potential clients.Another way a small business list can be used is to send out promotional material to highly targeted business prospects. For example, if you own an air-conditioning repair service, you could send out promotional brochures advertising your services to small businesses that could very well be your clients in the future. After all, which business office doesn’t own an air-conditioner or two?The benefits of having access to a small business list is worth it’s weight in gold. But should one compile the list themselves, or rent one instead? If one wishes to manually compile the small business list himself, he will have to ensure that they are constantly being kept up-to-date.This is because companies often make changes in their management, causing contact persons to change, or even a change in company address. The time and monetary costs required to maintain an accurate list of small business contact information is not small.To avoid this, it would be best to rent a small business list and spend their time on making actual sales.Having immediate access to a complied updated business list helps individuals and organizations to save time and money. When they require small businesses for their marketing needs or require help in their businesses, they can tap on this large resource base easily and efficiently. </p>]]></content:encoded> <wfw:commentRss>https://ouinaln.info/how-you-can-use-a-small-business-list/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Who Needs a Travel Plan?</title> <link>https://ouinaln.info/who-needs-a-travel-plan</link> <comments>https://ouinaln.info/who-needs-a-travel-plan#comments</comments> <pubDate>Thu, 06 Apr 2023 17:03:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Travel]]></category> <category><![CDATA[Adventure Travel]]></category> <category><![CDATA[Airline Travel]]></category> <category><![CDATA[Aviation Airplanes]]></category> <category><![CDATA[Budget Travel]]></category> <category><![CDATA[Camping]]></category> <category><![CDATA[Car Rentals]]></category> <category><![CDATA[Charter Jets]]></category> <category><![CDATA[Outdoors]]></category> <category><![CDATA[Sailing]]></category> <category><![CDATA[Travel and Leisure]]></category> <category><![CDATA[Travel Planning]]></category> <category><![CDATA[Vacation Homes]]></category> <category><![CDATA[Vacation Rentals]]></category> <guid isPermaLink="false">http://ouinaln.info/?p=73</guid> <description><![CDATA[There’s only so much time for travel in a year. Some people try to make the most of it by planning every step of the journey. Other people prefer the open road without any schedule at all. When a person travels from place to place, they can either come up with a strict itinerary, or [...]]]></description> <content:encoded><![CDATA[<p> There’s only so much time for travel in a year. Some people try to make the most of it by planning every step of the journey. Other people prefer the open road without any schedule at all. When a person travels from place to place, they can either come up with a strict itinerary, or they can just pick a direction and go with it. The question then becomes: which one is the best for you?If you travel without a final destination in mind, you might run into a few obstacles. This type of travelling isn’t for everyone because a lot of things can go wrong while you’re on the road alone. That’s why many people like to have a comfortable itinerary that they can stick to.On the other hand, if you go with a more spontaneous trip you open yourself up to some opportunities for discovery and adventure. When you throw a strict schedule out the window you will open yourself up to new possibilities and memorable experiences.When you do decide to travel without any set plans you need to be able to deal with the various obstacles that might crop up. You could end up driving from hotel to hotel, only to find they are all full. Or you might waste entire days wandering around a city because you can’t find anything interesting. When you only have a certain amount of time for a vacation, many people don’t want to spend a whole day just moving from place to place.However, when you’re not tied down to specific plans, you can take all the time you need. And while you are wandering around a city you might just be able to find something new and unique that you would have never planned for. Some of the most memorable experiences are the ones you didn’t plan for.All you have to do is pick a direction and start going. Something is bound to come up. There are different tourist attractions and landmarks in every state or city, and some are better known than others. The best way to find them is to simply take your time and explore your surroundings until you discover what different areas have to offer. If nothing looks appealing you can simply move on to the next place.This isn’t the kind of travel that will appeal to everyone. And in order to do it right you will have to be able to strictly budget your travel funds. If you get caught halfway through the trip without any money you won’t be able to feed yourself, find lodgings, or make it home. You might think that living off the land sounds fun, but it’s really not.When you travel without plans you can be spontaneous and find some exciting new experiences. If you want to make the most out of your trip, though, you will have to control your spending and know how to look in different places for opportunities you would otherwise miss. </p>]]></content:encoded> <wfw:commentRss>https://ouinaln.info/who-needs-a-travel-plan/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Get a Free Business Phone Number for Your Computer Repair Business</title> <link>https://ouinaln.info/get-a-free-business-phone-number-for-your-computer-repair-business</link> <comments>https://ouinaln.info/get-a-free-business-phone-number-for-your-computer-repair-business#comments</comments> <pubDate>Sun, 02 Apr 2023 04:09:19 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Data Communication]]></category> <guid isPermaLink="false">http://ouinaln.info/?p=71</guid> <description><![CDATA[For a the last five years or so, I have had a dedicated, free business phone number for my computer repair business. It’s not my cell phone number and it’s not an expensive phone number through a local carrier. I use Google Voice.I was pretty hesitant to start using an internet-based phone number for my [...]]]></description> <content:encoded><![CDATA[<p> For a the last five years or so, I have had a dedicated, free business phone number for my computer repair business. It’s not my cell phone number and it’s not an expensive phone number through a local carrier. I use Google Voice.I was pretty hesitant to start using an internet-based phone number for my business. But it’s turned out to be an excellent and very flexible resource for running and growing my business. It’s still a local area code and clients who call have no clue it’s a Google Voice number.This is not your typical phone service. It’s basically a single phone number you can forward to other phones you already have – like your cell phone or land-line at work or home. There’s nothing to download or install. When someone calls your Google Voice number, it rings whatever phones you have specified in your account. You can also use it for sending text messages.ForwardingMine is set up to ring four different cell phones. When someone calls, each phone rings and can either display my business number through caller ID or the actual number of the person who is calling. This is a setting within Google Voice you can specify. I always have mine set to display my Google Voice number. That way we know that it’s a business call coming in and can answer it as such.If down the road you decide to hire a computer repair contractor, an employee or (like I do) have a dedicated person answering the phone, it’s very easy to add another number and configure individual options for each.MessagingIf you have an Android or iOS phone you can download the Google Voice app to see missed calls, access your voice mail, etc. You don’t need the app to access these features but it’s easier than going through your mobile web browser.When somebody leaves a voice mail, Google Voice will transcribe the message to text automatically. From there you can have it sent as a text message to any cell phones you have configured in your settingsYou can also text from the app. The text message will show your Google Voice number as the sender.CallingI don’t call out much from my business number but it can come in handy. Each time I make an outgoing call from my cell phone, the app gives me the option to call out using either my mobile number or my business phone number. My business number will appear on the receiver’s caller ID if I choose to call via my Google Voice account. To call out from a land-line you simply call your Google Voice number, press 2 and then enter the number you want to call.This phone number is on my website, my business cards, magnets and advertisements. It’s a great way to have a centralized number without the expense. It’s also great if I want to forward my number to someone covering my business while on vacation! I can still see calls coming in and keep an eye on what’s going on.Sign up and test it yourselfYou will need to use your existing Google account or you can sign up for a new one. There are a lot more features that I haven’t covered here you can explore. Get an account and start testing it out for yourself!Overall, this has been a great service for my business. I don’t have to put my personal cell phone on the web and I can have a single phone number that multiple people can access and answer incoming calls. </p>]]></content:encoded> <wfw:commentRss>https://ouinaln.info/get-a-free-business-phone-number-for-your-computer-repair-business/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Buying Pre-Construction Real Estate</title> <link>https://ouinaln.info/buying-pre-construction-real-estate</link> <comments>https://ouinaln.info/buying-pre-construction-real-estate#comments</comments> <pubDate>Sun, 02 Apr 2023 00:20:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Consumer GoodsServices]]></category> <guid isPermaLink="false">http://ouinaln.info/?p=69</guid> <description><![CDATA[The pre-construction purchase process or PPP is structured a lot differently than purchasing a property that is already in existence. With pre-construction real estate you are essentially purchasing off a floor plan. This can prove to be a complicated task as you cannot essentially experience the product. Even though many condo sales offices in Toronto [...]]]></description> <content:encoded><![CDATA[<p> The pre-construction purchase process or PPP is structured a lot differently than purchasing a property that is already in existence. With pre-construction real estate you are essentially purchasing off a floor plan. This can prove to be a complicated task as you cannot essentially experience the product. Even though many condo sales offices in Toronto have managed to create model suites to reflect what certain units look like, you still don’t get the true effect as you would purchasing an already existing unit.Once you have chosen the pre-construction project you would like to purchase in as well as your floor plan, it is time to sign your life away! The agreement used for pre-construction condos is much different that your standard resale agreement. Don’t be scared when you see the agreement as it is significantly longer than a resale agreement. Some can run up to 30 pages long. What is unique to the pre-construction purchase process is that the builder gives you a 10 day “cooling off” period. It is in this time frame that you will have your lawyer review your agreements on your behalf. Once this 10 day period is over and your lawyer has given you the ok, you must submit the remainder of your post dated deposit checks to the builder. This normally accounts for approximately 20% of your total purchase price.A few years later…….By this time the building has started construction and you will get called in for color selection. It is at this time that you will start choosing the colors of your finishes and features of your condo. Most developers also give purchasers the opportunity to pay for upgraded materials at that time if that is something they would like to do. Approximately a year (or so) after the color selection process, you will be given the keys to your brand new suite. In real estate terms this is called interim occupancy. Even though you don’t have title to your unit, you are living in it and paying what we call “occupancy fees” to the builder. This number reflects a portion of your taxes, maintenance fees and interest on the remaining of the balance owed. You are allowed to rent out your unit during the occupancy period, but be aware that you will not be eligible for your GST rebate if you choose to do this. Occupancy can last up to one and a half years. Once the condo building registers with the City of Toronto your lawyer will make the arrangements to exchange title to your new condo for the outstanding payment as agreed in your agreement of purchase and sale.Unlike purchasing a condo that is already in existence, the pre-construction purchase process is a long one. The majority of the time you are purchasing some 2-5 years in advance. Even though it is a long waiting period, the benefits can be very rewarding financially when you purchase in the right location, with the right builder and at the right time. </p>]]></content:encoded> <wfw:commentRss>https://ouinaln.info/buying-pre-construction-real-estate/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Post Pregnancy Workout – What’s the Best Way For Losing Pregnancy Weight?</title> <link>https://ouinaln.info/post-pregnancy-workout-whats-the-best-way-for-losing-pregnancy-weight</link> <comments>https://ouinaln.info/post-pregnancy-workout-whats-the-best-way-for-losing-pregnancy-weight#comments</comments> <pubDate>Sat, 01 Apr 2023 13:43:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Pregnancy]]></category> <guid isPermaLink="false">http://ouinaln.info/?p=67</guid> <description><![CDATA[Losing pregnancy weight can be a bit of a struggle for some women especially if you have not got your mind around what you need for a post pregnancy workout. Those of you who had relatively few problems maintaining an attractive, well proportioned body prior to getting pregnant, delivered your baby and suddenly realized that [...]]]></description> <content:encoded><![CDATA[<p> Losing pregnancy weight can be a bit of a struggle for some women especially if you have not got your mind around what you need for a post pregnancy workout. Those of you who had relatively few problems maintaining an attractive, well proportioned body prior to getting pregnant, delivered your baby and suddenly realized that you can’t stop piling on the pounds if you even look in the direction of unhealthy food. Others of you have always struggled with your weight have given birth only to realize that all of that “baby weight” did not go magically away!So What Is There You Can You Do About Losing Pregnancy Weight?Whether you have put on a little more weight than you realized through your pregnancy, were perhaps carry a few excess pounds to start with, or are realizing changes within your body and lifestyle are making it a lot more difficult to control your weight, starting a post pregnancy workout routine as soon as possible will help.What Are The Benefits Of A Post Pregnancy Workout?In fact, you will benefit in a variety of ways when you add a consistent post pregnancy workout routine into your daily life:* Faster Weight Loss<br />The concern of losing pregnancy weight as quickly as possible to get back into normal fitting clothing and look more attractive is the top goal for most new mothers. Losing pregnancy weight adds to their happiness and self-esteem. A well structured post pregnancy workout routine doesn’t have to be difficult and it can get you back in shape fast.* More Muscle Tone Makes You Appear Smaller<br />With the right exercises muscle tone will develop quite quickly giving you a smaller profile and an incentive to keep going. A post pregnancy workout helps to rebuild your fitness level which in turn helps you get better quality sleep making it easier to cope with early morning feeds.* Mental & Physical Tension Relief.<br />When you perform a post pregnancy workout on a consistent schedule and allow it to become a part of your daily life you will feel clearer and more focused mentally and will find it much easier to get up and down from the floor and couch to do diaper changes, work with your new baby on crawling or lifting their head, and all of the other exciting activities that come with being a parent.* Increased ease of movement and flexibility.<br />A good post pregnancy workout will start out on your current level of physical fitness and gradually increase intensity, distance, and/or speed as your physical fitness level advances. You need to recover from the delivery so don’t overstress your body or strain your muscles to the point of injuring yourself, especially if you are a sleep-deprived new mother who is stressed out!Don’t Forget To Have a Healthy DietYour diet also plays a large part in losing pregnancy weight, you need to ensure you eat the right foods especially if you are breastfeeding.A Great Way To Start Your Post Pregnancy WorkoutTake your baby for a walk in the pram, as a proud new mother what better way to begin losing pregnancy weight? </p>]]></content:encoded> <wfw:commentRss>https://ouinaln.info/post-pregnancy-workout-whats-the-best-way-for-losing-pregnancy-weight/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Investment Property: Tips, Guidelines and the Basics</title> <link>https://ouinaln.info/investment-property-tips-guidelines-and-the-basics</link> <comments>https://ouinaln.info/investment-property-tips-guidelines-and-the-basics#comments</comments> <pubDate>Sat, 01 Apr 2023 02:16:14 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[accounting]]></category> <category><![CDATA[business]]></category> <category><![CDATA[companies]]></category> <category><![CDATA[google]]></category> <category><![CDATA[near me]]></category> <category><![CDATA[offices]]></category> <category><![CDATA[restaurant]]></category> <category><![CDATA[sale]]></category> <category><![CDATA[services]]></category> <guid isPermaLink="false">http://ouinaln.info/?p=64</guid> <description><![CDATA[An investment property is any real estate which is purchased with the purpose of financial gain. It is generally not owner occupied but is rented out or it can be purchased with the purpose of resale. If the owner has been lucky enough to buy a bargain it can be resold at market value for [...]]]></description> <content:encoded><![CDATA[<p> An investment property is any real estate which is purchased with the purpose of financial gain. It is generally not owner occupied but is rented out or it can be purchased with the purpose of resale. If the owner has been lucky enough to buy a bargain it can be resold at market value for a profit. Often renovation of the property will enhance the value and it can then be resold at a profit or held and rented out with a gain in equity.Although the idea of owning property for financial gain sounds simple it is not that easy and there are some things that you need to consider before you start investing. Here are some guidelines that will help you to invest successfully.Set your goals and define the time line. Decide when will be a good time to buy, how long you can afford to have you capital tied up in the property and how you will service any mortgage that you take out. Understand return on investment and know what ROI will be acceptable to you. Good planning ensures that you buy an investment and not a liability.Location is a vital consideration. You will want to invest in a location where the property will be easy to rent out with good returns and where the property will appreciate in value over time.Build your list of contacts. Join a property investment association. The other members will be delighted to share their insights with you. These associations often have regular meetings with a guest speaker on an informative topic. This is a great way to learn about property investment. If you need a property manager you will probably either meet one there or someone will be able to recommend a good one to you.Keep your finances in good shape. Monitor all your ingoings and outgoings. Make sure that rent is coming in regularly and follow up any arrears immediately. Only spend money on items that can be considered an investment and will enhance the value of your property. Set up a maintenance schedule so that this is done on a regular basis. This will ensure that your property keeps its value and that you don’t have to pay a huge repair bill in a few years because the property was neglected. A well maintained property is easier to rent out and brings better returns.Vet all prospective tenants carefully. You will want to be sure that your tenants will be able to pay the rent and will look after your property. If you have invested in a quiet neighbourhood you will also want to be sure that they will not disturb their neighbours.If the idea of maintaining your property and managing tenants is daunting to you a very good option is to engage a property management company. In fact if you are considering investing in a number of properties this is a very good idea as managing a few properties can soon grow into a full time job. You will need to factor the cost of property management into your return on investment calculations. A property manager normally charges around 10 percent of the rent. This can be a really good investment to ensure that your property is managed in a professional manner.As soon as your goals are set, you have a time line in mind and you have your finances in order you can start looking for a suitable property to invest in. </p>]]></content:encoded> <wfw:commentRss>https://ouinaln.info/investment-property-tips-guidelines-and-the-basics/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>4 Reasons The Study Of Organizational Behavior Is Imperative</title> <link>https://ouinaln.info/4-reasons-the-study-of-organizational-behavior-is-imperative</link> <comments>https://ouinaln.info/4-reasons-the-study-of-organizational-behavior-is-imperative#comments</comments> <pubDate>Wed, 14 Sep 2022 20:20:13 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Astronomy]]></category> <category><![CDATA[Biology]]></category> <category><![CDATA[College University]]></category> <category><![CDATA[Education]]></category> <category><![CDATA[Future Concepts]]></category> <category><![CDATA[Home Schooling]]></category> <category><![CDATA[Languages]]></category> <category><![CDATA[Nature]]></category> <category><![CDATA[Online Education]]></category> <category><![CDATA[Psychology]]></category> <category><![CDATA[Reference and Education]]></category> <category><![CDATA[Schools]]></category> <category><![CDATA[teaching]]></category> <guid isPermaLink="false">http://ouinaln.info/?p=62</guid> <description><![CDATA[The managers or entrepreneurs are the leaders who can shape the success of their organization. For a successful run, a leader needs to ensure that the business carries out its internal and core operations Organizational Behavior plays a vital role in any enterprise’s success. It outlines the system in which the company will run, where [...]]]></description> <content:encoded><![CDATA[<p>The managers or entrepreneurs are the leaders who can shape the success of their organization. For a successful run, a leader needs to ensure that the business carries out its internal and core operations Organizational Behavior plays a vital role in any enterprise’s success. It outlines the system in which the company will run, where it’ll fit in the industry and it also decides the future of the company. It defines the vision, mission, and goals of the company and outlines a way in which the members of the company will interact with each other. Thus, every manager or entrepreneur should learn the core principles of Organizational Behavior for the success of the business. Here are a few more reasons that exemplify the significance of the study of organizational behavior:</p><p>1. It helps in understanding the mission of the enterprise<br />Every organization has its quintessence or its purpose of carrying out the intended operations. Organizational behavior aids the entrepreneurs in defining the task of the organization- what a company will do and how it’ll do it. It defines an infrastructure that will be followed by the company throughout its run. It also emphasizes on establishing a mission statement that the company wants to achieve through its operations. The mission is not only monetary but it speaks of the company’s culture and aims at bringing a change in the lives of the customers, stakeholders and all the people involved with the company. The mission statement tells everyone about the goals of the organization and can be used to gauge the effectiveness of its operations.</p><p>2. It aids in establishing clear expectations<br />The organizational behavior not only helps in establishing a mission, but it also helps the managers or entrepreneurs in setting expectations for the employees, stakeholders as well as the customers. It helps in formulating the chain of command performed by each employee and also decides the kinds of vendors and customers the company should expect.</p><p>3. It helps in better decision making<br />The organizational behavior paves way for uniformity in the company and its core values. The establishment of the uniform mission, actions and messages facilitate the managers to make better decisions that are fruitful for the company. Organizational Behavior entails an identity to the organization so the managers can make their decision aligning with the nature of operations of the organization.</p><p>4. It ensures that managers hire the right person<br />The employees are the main pillars of organizational behavior. The people that bring new ideas and passion to the organization are considered as the perfect employees for the organization. If the organizational behavior is clearly defined, the newly employed candidates can easily understand their duties and it also makes easy for the managers to hire the right people and communicate with them effectively.</p>]]></content:encoded> <wfw:commentRss>https://ouinaln.info/4-reasons-the-study-of-organizational-behavior-is-imperative/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Would You Benefit From Making Early Payments on Your Auto Loan?</title> <link>https://ouinaln.info/would-you-benefit-from-making-early-payments-on-your-auto-loan</link> <comments>https://ouinaln.info/would-you-benefit-from-making-early-payments-on-your-auto-loan#comments</comments> <pubDate>Wed, 14 Sep 2022 20:18:58 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Auto Loans]]></category> <category><![CDATA[Budgeting]]></category> <category><![CDATA[Commercial Loans]]></category> <category><![CDATA[Credit]]></category> <category><![CDATA[Credit Tips]]></category> <category><![CDATA[Currency]]></category> <category><![CDATA[Debt Management]]></category> <category><![CDATA[Finance]]></category> <category><![CDATA[Home Equity Loans]]></category> <category><![CDATA[Loans]]></category> <category><![CDATA[PayDay Loans]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Personal Loans]]></category> <category><![CDATA[Property]]></category> <category><![CDATA[Student Loans]]></category> <category><![CDATA[Trading]]></category> <guid isPermaLink="false">http://ouinaln.info/?p=60</guid> <description><![CDATA[Monthly payments make up an important element of the auto loan. The amount of money that you will pay each month depends on a number of things; such as the money you put down, the value of the car, loan term, your current income and credit score, etc. Many a times people wish to repay [...]]]></description> <content:encoded><![CDATA[<p>Monthly payments make up an important element of the auto loan. The amount of money that you will pay each month depends on a number of things; such as the money you put down, the value of the car, loan term, your current income and credit score, etc. Many a times people wish to repay their auto loan earlier than their term or wish to get the loan refinanced. Understanding the effect of paying your loan early vis-à-vis making timely payments can help you in making a well-informed decision.</p><p>Pay Early or Pay on Time: The Auto Loan Question</p><p>· Are you interested in making Early Payments?</p><p>You know you are a financially adept individual when you think about paying your auto loan early rather than spending the money on frivolous things. The following pros and cons of prepayment will take you one step closer in making the right decision.</p><p>Pros: The reduction in the interest amount can help you save a great deal of money. Paying off your auto loan early gives you the financial freedom to use that money elsewhere. Secondly, if you are going to receive a large sum of money in the near future, it is wise to prepay your loan instead of spending it elsewhere. It will make your debt-free early and allow you to live a tension-free life.</p><p>Cons: Timely auto loan payments mean that you have planned your finances in an efficient way. If you repay your loan all at once, it may project that you are unable to manage your credit. Remember prepayment of your auto loan will not hurt your credit score, however, it will not improve the score either.</p><p>· Do you believe Timely Payments are a Good Choice in the Long Run?</p><p>Small payments made every month can surely have a positive impact on your credit rating. The following pros and cons will help you clarify the advantages and disadvantages of timely payments.</p><p>Pros: Timely payments made every month are certain to keep your credit score in check. Many a times people may forget to make the payments on time. However, automatic bank payments can help you to keep your payments regular. A shorter loan term with timely payments will help you in obtaining lower interest rates and an overall cheaper auto loan deal in the future.</p><p>Cons: An automatic timely payment means that you will have to maintain a certain balance in your bank account, which may temporarily block your finances. A certain amount of your income gets allocated to the monthly payment. Compared to a prepayment strategy, timely monthly payments carry less financial freedom.</p><p>Your Auto Loan Payment Schedule: What is Best for you?</p><p>Income is an important element that decides which option you should choose between paying your auto loan early and making timely payments. If your monthly payment is manageable and your income supports the loan, you should opt for timely payments. However, if your income source is unstable and you require a car on an immediate basis, you should opt to make a prepayment of your entire loan. On the basis of your financial situation and circumstances, make the wiser choice.</p>]]></content:encoded> <wfw:commentRss>https://ouinaln.info/would-you-benefit-from-making-early-payments-on-your-auto-loan/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
Download the "valid RSS" banner.
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//ouinaln.info/feed
