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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>pbeteln.info</title> <atom:link href="http://pbeteln.info/feed" rel="self" type="application/rss+xml" /> <link>https://pbeteln.info</link> <description></description> <lastBuildDate>Sun, 18 Feb 2024 17:35:11 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Students: How to Manage Your Finances</title> <link>https://pbeteln.info/students-how-to-manage-your-finances</link> <comments>https://pbeteln.info/students-how-to-manage-your-finances#comments</comments> <pubDate>Wed, 19 Apr 2023 16:20:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[ai photography]]></category> <category><![CDATA[digital photography]]></category> <category><![CDATA[ed sheeran photograph]]></category> <category><![CDATA[film photography]]></category> <category><![CDATA[landscape photography]]></category> <category><![CDATA[landscape photography tips]]></category> <category><![CDATA[landscape photography tutorial]]></category> <category><![CDATA[learn photography]]></category> <category><![CDATA[lyrics photograph]]></category> <category><![CDATA[outdoor photography]]></category> <category><![CDATA[photograph]]></category> <category><![CDATA[photograph lyrics]]></category> <category><![CDATA[photography]]></category> <category><![CDATA[photography for beginners]]></category> <category><![CDATA[photography ideas]]></category> <category><![CDATA[photography lessons]]></category> <category><![CDATA[photography tips]]></category> <category><![CDATA[photography tutorial]]></category> <category><![CDATA[street photography]]></category> <category><![CDATA[street photography basics]]></category> <category><![CDATA[street photography tips]]></category> <category><![CDATA[travel photography]]></category> <guid isPermaLink="false">http://pbeteln.info/?p=85</guid> <description><![CDATA[One of the downsides of attending tertiary education is the necessary assumption of student debt. Student loans are available both to cover tuition fees as well as living costs, and can total tens of thousands of pounds at the time of graduation.Often the student will be living away from home for the first time, and [...]]]></description> <content:encoded><![CDATA[<p> One of the downsides of attending tertiary education is the necessary assumption of student debt. Student loans are available both to cover tuition fees as well as living costs, and can total tens of thousands of pounds at the time of graduation.Often the student will be living away from home for the first time, and may find themselves facing the novel task of having to take total control of their finances.It is a good idea at this stage to develop an outline for spending, and with a little help from the right people and resources, students will be able to stick to a well planned budget.A simple budget can be drawn up on an excel spreadsheet month by month where they will list their income and their expenses. This will be broken down into more detail. They will list things like entertainment, books or things they need for projects as well as transport and food. For something like this you have to be well organised and let’s face it, not all students will take the time once a month to draw up a spreadsheet like this. This is where personal finance software will help because it is a lot easier to handle.The benefits of using personal finance softwareYou will find that most of these applications are not expensive and you are able to put them on Windows as well as Mac.<br />You can run a report to see if you are within limit or if you have overspent and where you need to cut down.<br />It is very user-friendly which will encourage students to budget in this way.<br />There are some programs that allow you to create your own categories. Make sure you find out about the features of the software first. Some are more personal than others.<br />This is an excellent way of getting into the habit of budgeting for the future, which you should be doing when you have a steady job and a family to support.<br />The software is constantly being updated, making it easier for the student to get a grasp for handling their budget.<br />Budget trends can be set up as well which is really helpful and you can set this up so you are constantly reminded of what is happening with your budget.Budgeting categories to focus onEveryone has different needs and requirements as a student, but students still have a lot of things in common when it comes as to what they spend their money on.IncomePart-time job<br />Student loan<br />Allowance from parentsExpensesTuition<br />Extra college fees. For example, sports activities or admin<br />Rent or housing on campus<br />Personal items and services such as laundry and toiletries<br />Computer and applications<br />Books and stationery<br />Clothing<br />Entertainment<br />Transport – this could be petrol for a car which would also include parking costs, but it could also include public transport as well as rides shared with friends.<br />Insurance<br />Food – this will come in the form of groceries or halls of residence fees.The key is to take action, generate a framework for spending and discipline oneself to live within a budget. This is, of course, easier said than done, but well worth it in the long run. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://pbeteln.info/students-how-to-manage-your-finances/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Digital Photography Tips and Tricks For Choosing a Great Viewpoint</title> <link>https://pbeteln.info/digital-photography-tips-and-tricks-for-choosing-a-great-viewpoint</link> <comments>https://pbeteln.info/digital-photography-tips-and-tricks-for-choosing-a-great-viewpoint#comments</comments> <pubDate>Wed, 19 Apr 2023 12:28:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[ai photography]]></category> <category><![CDATA[digital photography]]></category> <category><![CDATA[ed sheeran photograph]]></category> <category><![CDATA[film photography]]></category> <category><![CDATA[landscape photography]]></category> <category><![CDATA[landscape photography tips]]></category> <category><![CDATA[landscape photography tutorial]]></category> <category><![CDATA[learn photography]]></category> <category><![CDATA[lyrics photograph]]></category> <category><![CDATA[outdoor photography]]></category> <category><![CDATA[photograph]]></category> <category><![CDATA[photograph lyrics]]></category> <category><![CDATA[photography]]></category> <category><![CDATA[photography for beginners]]></category> <category><![CDATA[photography ideas]]></category> <category><![CDATA[photography lessons]]></category> <category><![CDATA[photography tips]]></category> <category><![CDATA[photography tutorial]]></category> <category><![CDATA[street photography]]></category> <category><![CDATA[street photography basics]]></category> <category><![CDATA[street photography tips]]></category> <category><![CDATA[travel photography]]></category> <guid isPermaLink="false">http://pbeteln.info/?p=79</guid> <description><![CDATA[For many amateur photographers, like myself, it is easy to get caught up in a one-tracked view on the skills that are required for good photography. In this article we take a look at a few digital photography tips and tricks that will help you understand the importance of view points in your photographs.There is [...]]]></description> <content:encoded><![CDATA[<p> For many amateur photographers, like myself, it is easy to get caught up in a one-tracked view on the skills that are required for good photography. In this article we take a look at a few digital photography tips and tricks that will help you understand the importance of view points in your photographs.There is a tendency with amateur photographers to focus solely on the technical aspect of photography such as pixels and megapixels, lens sizes and shutter speeds.To really understand and embrace the art of photography it is important to grasp the vital ingredients of great digital photography. To learn the real skills of photography in order to capture an image that you be proud of.One of the key points of good photography is making sure that you choose the Viewpoint of your Shot with great Care.An understanding of how to choose a composition carefully and how that simple choice can enhance your picture will mean the difference between amateur photographs sitting on the computer at home or reaching a competitive standard of photography.This article can serve as a guide for those starting out in digital photography and takes a look at the various tricks and tips associated with understanding the importance of your photographic viewpoint.1. Making the Choice – Choose the subject. This may seem like the easiest part of photography but as you progress you will aim to choose more and more challenging viewpoints. In order to be able to handle those challenges you will need to know and learn the basic tricks and tips associated with using and enhancing your viewpoints.If you see something that intrigues you or strikes you as interesting then you are in your viewpoint zone. You must always remember to really pay attention to the composition of an image when choosing your viewpoint. Both aspects go hand-in-hand when trying to attain that great photo.In order to choose a viewpoint when photographing people it is vital to understand how the position of the sun and shadowing can affect your shot. Something as simple as a subject wearing a peaked cap can affect the quality of your shot. There is no point in taking a great photograph with everything in place if your subjects eyes and expression cannot be seen due to the shadow of a hat.2. Scale – A sense of Scale can often be defined and highlighted by adding in people or animals to the photograph. Budding photographers can highlight the depth of a shot by including foreground subjects such as flowers or trees. This then shows the depth of larger subjects such as mountains and waterfalls in the background. By including an object of a commonly known size in a photograph it tips off the audience to the entire images scale and depth.Once the photographer understands scale and how to manipulate it then the technical aspect of photography can come in to play. Your choice of lenses, at this stage, can help to convey scale by making subjects look taller than they are or making the subject shrink to size. Therefore adding and enhancing to your subjective learnings on Scale.3. Perspective – Understand the perspective of your composition is key, photographs can take on a different dynamic just by changing the angle of view. Taking a shot of a subject from above can entirely change the feel of the shot. It can make the subject more sinister, can make the audience feel more nurturing towards them, all depending on the drama you want to create in your shot. The choice of angle and perspective you choose will also affect how the lighting falls on the subject, again adding or taking away from the drama of the scene you are trying to create. </p>]]></content:encoded> <wfw:commentRss>https://pbeteln.info/digital-photography-tips-and-tricks-for-choosing-a-great-viewpoint/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Web Designing and Web Designers</title> <link>https://pbeteln.info/web-designing-and-web-designers</link> <comments>https://pbeteln.info/web-designing-and-web-designers#comments</comments> <pubDate>Sun, 02 Apr 2023 04:11:29 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Graphics and Multimedia]]></category> <guid isPermaLink="false">http://pbeteln.info/?p=77</guid> <description><![CDATA[Web designing technologies are on a constant roll through the changing times. Experiencing a significant evolution, web design is increasingly becoming a mean of artistic expression while keeping the originality of businesses alive. In an Internet savvy world where online activities of businesses are rated over their real-life advertising practices, countless types of web drafts [...]]]></description> <content:encoded><![CDATA[<p> Web designing technologies are on a constant roll through the changing times. Experiencing a significant evolution, web design is increasingly becoming a mean of artistic expression while keeping the originality of businesses alive. In an Internet savvy world where online activities of businesses are rated over their real-life advertising practices, countless types of web drafts have been introduced into the market by website designers with the aim to provide a potential drive to the user businesses. Content management systems, e-commerce, databases, multimedia, Flash animations inclusive of games and arresting real time technologies are some of the latest innovations rolled down the sleeves of the professionals.However, as entrepreneurs, people are often biased about website designs and their designers. While some effortlessly agree that only a true professional can be given the real credit of fabricating compelling web designs, others underestimating the importance of designs in a website tend to believe that any lay person can create them. The answer to this classical controversy is that only a domain specialist should be entrusted to do his job with precision. Even though a Jack of all trades is appreciated at all time, how far such a versatile person excels in handling all the trades.Pinpointing the subject of web design, there are certain elements in these designs that none other than the designers know to the core. It is indeed a personal activity to visit a website or decide if it can be revisited. It is in this part that a graphic designer plays their extensive role. It is their challenge to influence the decision of a visitor, giving them reasons to come back for more. Thus, the greater responsibilities are best assigned to an individual who has detailed understanding of the human psychology and behavior.Precisely, a web designer plays the role of a communicator between the entrepreneur and the client. The sole motif of a designer is thus, to penetrate into the mindset of the users and come out with their natural inclinations. Accordingly, they plan a draft that will be able to consume the users into it, engaging all their nervous resources effectively in surfing the site. Thus, professionals are incredibly important in materializing a persuasive design that not only supports the business interests, but also reflects the brand image. Of course, the potentials of the designer are a major determining factor in creating successful pro-business designs that can contribute to their prosperity. </p>]]></content:encoded> <wfw:commentRss>https://pbeteln.info/web-designing-and-web-designers/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Save Money While Helping the Environment</title> <link>https://pbeteln.info/how-to-save-money-while-helping-the-environment</link> <comments>https://pbeteln.info/how-to-save-money-while-helping-the-environment#comments</comments> <pubDate>Sun, 02 Apr 2023 00:22:52 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Environment]]></category> <guid isPermaLink="false">http://pbeteln.info/?p=75</guid> <description><![CDATA[Many people still think that being environmentally friendly costs more, in some cases this can be true, but there are many things the average person can do that will save money and help the environment.Here we offer you 12 Ways that you can Save Money and The Environment. Change all your household light bulbs to [...]]]></description> <content:encoded><![CDATA[<p> Many people still think that being environmentally friendly costs more, in some cases this can be true, but there are many things the average person can do that will save money and help the environment.Here we offer you 12 Ways that you can Save Money and The Environment.<br />Change all your household light bulbs to energy saving lamps. Some years ago these were very expensive, but now they are similar in price to the old fashioned, and power hungry incandescent ones. They are readily available in lighting shops, hardware stores and even supermarkets are catching the idea. The good news is they still last a lot longer, many of them work on a dimmer, and they give you a healthier softer light. You can do this all at once, like we did, or you can just replace them as they fail and your budget allows. They use much less power, therefore saving on lighting energy bills.<br /> Turn unused lights off, when away from the room for more than 20 minutes. Almost every home burns unnecessary lights. Lights in the kid’s bedroom when they are in the bathroom. Lights in the Kitchen when the family is outside, or in the living area. Outside lights left burning for hours because someone is coming home late should be replaced with a sensor light that turns on as soon as someone approaches, this is also added security for your home. This will save you hours of unnecessary power usage every year.<br /> Ask your power company about switching your supply to green generated power, many power companies offer this alternative today but do not advertise it. This normally costs no more, it is a consumer choice, but you can have power allocated to you that is generated by alternative energy. The more we support green power generation, the more readily available it will be, and the faster we can help the planet.<br /> If you are a long term thinker and planner, then investigate the cost of a supplementary small household wind, or solar, generator. These can easily be installed on your roof, and whilst there is a larger upfront cost, they can reduce your power bills to a minimum, or even nothing if you do not have air-conditioning, or electric heaters. They can be purchased as low as 6,000 used to supplement your existing power, or for around 15-20,000 used to supply all your needs. These can reduce your power bill from 50-90%, and make an enormous contribution to the environment. You can find out more about wind generators at the American Wind Energy Association website. Depending on the size of your power bill, you could pay for your wind generator and have free electricity for the rest of your life, from as little as five years!<br /> Turn Off all appliances every night whilst you are sleeping, or away from your home. The average ‘LED standby light’ used on an appliance costs about 10% of your electricity bill every year. Those tiny little lights pervade our lives, they are everywhere, almost every appliance or electrical device has one – if we can minimise them when we are not using the appliances or the home/office, we save big time and so does the environment. Imagine if everyone did this, we could close 1 in 10 eco-unfriendly power stations! A standby light on a television can use as much power in a day, as watching the TV for four hours. So here there are big savings for you and the environment.<br /> Turn off your computers and associated devices like hard drives, monitors, printers, routers, print servers. They all use standby by power. Some experts estimate you can save as much as 90 used per year by just turning off the PC and monitor.<br /> Make it a rule in your house, if no one is watching the TV ensure it is turned off fully. Same goes for any appliance or device not being used. This will save you an estimated 16-24% of power for that device every year.<br /> When you replace appliances like refrigerators, microwaves, washing machines, dryers, even small appliances – check the energy rating on the box or device. There are many energy efficient, green friendly appliances produced now and these are the ones to buy. You will save money over the lifetime of the appliance, even if it costs a bit more to start, but often they are the same price. Look for the energy star label, or similar in your country, and you will save more money.<br /> At festivity times, minimize light pollution and energy usage by just having lights on your tree. Replace all your energy hungry lights with colourful decorations instead, there are even glow in the dark festival decorations which are really exciting but do not consume any power. I know the Christmas lights are a tradition, but it is a tradition that will become culturally unacceptable as our plant spins into chaos because we emit too much pollution every day. This will also give you more money to spend on the actual family festivities, help the environment, and you and your neighbours will have more restful sleep. If you cannot give up your Christmas lights, then at least put them on a timer!<br /> If you use air-conditioning it is better’ for your health, and the health of the planet to set it at around 22/70°. This is a comfortable, cool temperature for humans. It is not good for our bodies to leave 18/64° of airco and go into 38/100 degrees outside, it weakens our immunity. It also stresses the air conditioners and the lifetime is drastically reduced, and it is incredibly power hungry as the compressor is almost continually working. Ensure your house is insulated inside the roof, and add whirlybirds to your roof – these two simple, low cost steps will dramatically decrease the inside temperature of your home in summer. An added advantage is they also prevent heat escaping in the winter. I have seen a difference of 10 degrees less in summer inside a house where these steps were taken!<br /> Winter heating is essential for human comfort, but again consider the temperature. It should be maintained at a comfortable 21-22/68-70°, this is a natural temperature for a human body to operate with maximum performance. Some people, and shops, have their central heating so high that it stifles the human brain functions – they slow down in a high temperature. It is OK in winter to wear a light sweater inside! Heating is a huge cost in most homes, and the older your home is the worse it will be. Many old European homes consume 3-5,000 litres or 600-1000 gallons of fuel every season. This is very expensive. For just a few hundred dollars putting insulation inside your roof, ensuring all your doors and windows are well sealed can reduce this consumption by up to 50%. Remember heat rises, so your roof is the obvious escape vent for your expensive heating, and you may still be cold at floor level. Install a ceiling fan and using the reverse cycle, will transfer the existing generated heat back down to the floor again and freshen the air. This has an added bonus, that it cools very effectively in summer.<br /> Where you have access to natural gas, it is worth converting electrical appliances to the gas system. Many companies offer large rebates, even free appliances, to encourage this. Gas is cleaner, and far more efficient source of energy than electricity. You will cook faster, pre heating not required. You will heat any area much faster. Hot water only needs to heat as required, which means endless hot water (no more cold showers after the teenagers) but it only heats when you are using it. We do not recommend stored water systems with pilot lights. Gas is generally much cheaper than electricity, but you need to check this for your community.There are many more things you can do, but this is already a huge start in giving you more money in your pocket and being a positive contributor to a clean, safe planet for your family. </p>]]></content:encoded> <wfw:commentRss>https://pbeteln.info/how-to-save-money-while-helping-the-environment/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Scrapbooks Make Perfect Gifts</title> <link>https://pbeteln.info/scrapbooks-make-perfect-gifts</link> <comments>https://pbeteln.info/scrapbooks-make-perfect-gifts#comments</comments> <pubDate>Sat, 01 Apr 2023 13:46:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Scrapbooking]]></category> <guid isPermaLink="false">http://pbeteln.info/?p=73</guid> <description><![CDATA[Scrapbooking is easily becoming a favorite American pastime. If you’re looking for something that will make an extra special gift, consider a scrapbook made for someone you love or give them a scrapbook kit so they can make their own memorable scrapbook.This is a great gift for multiple reasons: It contains memories that will last [...]]]></description> <content:encoded><![CDATA[<p> Scrapbooking is easily becoming a favorite American pastime. If you’re looking for something that will make an extra special gift, consider a scrapbook made for someone you love or give them a scrapbook kit so they can make their own memorable scrapbook.This is a great gift for multiple reasons:<br />It contains memories that will last for many years to come<br />It’s thoughtful and shows that you really care about the person<br />It can be fun to create and makeMaking your own scrapbook is a real heart-felt gift that shows you put the time and attention needed into a special gift. It can also be more affordable than scrapbooks purchased from a company. Scrapbook supplies are fairly inexpensive and you can use many things that you already have lying around anyway.Scrapbooks make perfect gifts because they show a lot of thought and love was put into them. The person can keep memories alive for many years with a great scrapbook. In addition to the memories inside the scrapbook, there are also the memories of you and this special occasion that you gave it to them for.It’s also a great versatile gift choice. They work for males and females of all ages and you can guarantee they won’t already have one like this since every creation is unique. Some examples of good events or occasions to give a scrapbook as a present are wedding anniversaries, graduations, birthdays and even Christmas.There are many great things that can go into the scrapbook. For example, you might feature photos of an anniversary couple together or get heartfelt letters from friends and family to place inside the scrapbook.Tokens and items of the event or occasion can be placed inside and you might want to leave some blank pages in the back so they can add the celebration event to their scrapbook gift. You can make this easier by taking some pictures of the receiver opening their gift and other celebrations and give them to them later.With these tips, you can easily see why scrapbooks make perfect gifts and now you have a little more insight into how you can use them yourself for upcoming gifts or holidays. </p>]]></content:encoded> <wfw:commentRss>https://pbeteln.info/scrapbooks-make-perfect-gifts/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Google Login and Claiming Your Places Page Instructions</title> <link>https://pbeteln.info/google-login-and-claiming-your-places-page-instructions</link> <comments>https://pbeteln.info/google-login-and-claiming-your-places-page-instructions#comments</comments> <pubDate>Sat, 01 Apr 2023 02:17:27 +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://pbeteln.info/?p=70</guid> <description><![CDATA[Here I am going to explain two separate ways to either claim or do a Google places loginThe first thing before you try to claim and optimize your Google Places page is to have a Gmail account. If you do not have one set up already simply go to your browser and do a search [...]]]></description> <content:encoded><![CDATA[<p> Here I am going to explain two separate ways to either claim or do a Google places loginThe first thing before you try to claim and optimize your Google Places page is to have a Gmail account. If you do not have one set up already simply go to your browser and do a search for Google mail or you can find them at mail.google.com. This will take you to the Google log in page where you can either sign into your account or just underneath the sign in section is a section where you can Create an Account for free in about 2 minutes or less.Creating a Gmail Account: Put in your name Choose your user name Check availability if it is available they will assign it to you if not they will give suggestions Choose a password Answer a couple of security Questions Put in a recovery email in case you forget the password. Select your country Put in you Date of Birth Fill in the Captcha and submit You may be asked to verify by phone or text select which works for you and your account is verified instantly.Now that is done go to the Google Login page and sign inTo find and claim your places page click on the maps tab at the top of your browser if you do not see the maps tab you can do a search for “google maps” it will be the first organic listing, click on it and it will bring you to the maps search browser.There are two ways to find out if you already have a Google places page listing. The first way is once you are in the maps search browser simply do a search of your company starting with the company name your address and zip. and click search. If you have an unclaimed listing it will show up in the left hand side bar.If you show up in the side bar simply click on your company name and it will take you to your places page that the public sees. From here you will see you will see a map to the right with an A pin indicating your location.Just above the map location with the A pin are two hyperlinks one says Edit this place the other say Business Owner? You should still be logged into your Gmail account so click on the business owner? hyperlink if you are not logged in you will be directed to the Google login page. If you are logged in you will be taken to a page that asks you what you would like to do.You have 3 choices Choose Edit. Edit your listing, Suspend your listing, or This isn’t my listing.Once you choose Edit it will open a new page that will auto fill your information for you. Make any corrections and do a simple basic setup before you start to optimize your places page. I repeat just put in some basic information.IMPORTANT: DO NOT stuff or add any additional information like city or what you do in your business name box just put it as it is on your business license. If you put wrong information in or if you accidentally break the rules or guidelines you will hurt yourself and your chances of optimizing your places page the right way to be seen on page 1 for your business will become more difficult.The second way of finding yourself is when in the maps search browser in the left hand side bar is a link that says “put your business on Google Maps. click on this link if you are signed into your Gmail account it will take you to a page where you can put your business phone number in.Use your local number not an 800 number preferably the number that is listed with the local phone books and other directories. Google will then search for your business, if it finds you they will give you an option to edit your page from the search results they came up with or if you do not see your listing this is where you can Add a new Listing.Select add new listing and follow the procedures above for filling in the basic setup.Do not get creative I can not emphasis enough on following the guidelines and best practices. Once you have done your basic setup you will want to optimize your Places page so you can start to rank better but hat is another article so until then have a great day.I hope this Google login information helped you. </p>]]></content:encoded> <wfw:commentRss>https://pbeteln.info/google-login-and-claiming-your-places-page-instructions/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How To Apply For Loan Against Property?</title> <link>https://pbeteln.info/how-to-apply-for-loan-against-property</link> <comments>https://pbeteln.info/how-to-apply-for-loan-against-property#comments</comments> <pubDate>Tue, 21 Mar 2023 15:01:47 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Entertainment]]></category> <guid isPermaLink="false">http://pbeteln.info/?p=68</guid> <description><![CDATA[A loan against property is a secured loan where a residential/commercial property is vowed as collateral. It is a long haul advance. Loan against property is exceptionally prevalent among self-employed individuals. Loan against property is reasonable contrasted with individual credits as the interest charged is similarly low.The rate of interest ranges from 9-14% a year. [...]]]></description> <content:encoded><![CDATA[<p> A loan against property is a secured loan where a residential/commercial property is vowed as collateral. It is a long haul advance. Loan against property is exceptionally prevalent among self-employed individuals. Loan against property is reasonable contrasted with individual credits as the interest charged is similarly low.The rate of interest ranges from 9-14% a year. In spite of the fact that advance residency for loan against property ranges from 1-9 years, it can be stretched out up to 15 years. The lender checks your financial assessment before endorsing the loan. To profit an Loan against property, you ought to have an unmistakable and attractive title to the property.Banks give loans ranging from 50-65% of property value. NBFCs (Non-managing an account Financial Companies) offer loans up to 75% of property estimation. A Loan against property has a processing fee ranging from 0.5-1.5% of the credit sum authorized.Why apply for a Loan against Property?LAP helps meet long-term and short-term financial requirements like children’s education, business, medical emergencies, and so on.Eligibility criteria to apply:All co-owners of the property must be co-applicants.<br />Salaried persons should be between 22 and 65 years.<br />Self-employed persons should be between 25 and 65 years.Properties not accepted as collateral:A plot of land<br />Property of a co-operative society<br />Industrial sheds<br />Warehouse or cold storage<br />Agricultural building or land<br />Property under constructionRules:The property should be insured<br />The property should satisfy the minimum area criteria required by banks.<br />The property should satisfy the minimum market value, depending upon where it is located be it non-metro or metro-cities.How much loan can be availed in LAP?Lenders ascertain eligibility to avail a loan by taking into consideration a percentage of property’s market value and the capacity to repay. Usually, non-banking financial companies (NBFCs) and banks offer a loan amount ranging from 50- 65% of the property value.Tenor:The tenor of a loan against Property ranges from 1 to 9 years. However, it can be extended up to a period of 15 years. Rate of interest for a loan against property: The rate of interest for a loan against property is lower than a personal loan. Loan against property has a rate of interest ranging from 9-14% a year.Charges and penalties:The fees, charges and penalties payable are as follows:<br />Processing fee: Ranges from 1-2% of the loan availed. This amount is deducted from the sanctioned loan amount.<br />Statutory charges<br />Stamp charges<br />Penalty in case of delayed payment of the EMIs (Equated Monthly Installments), a penalty interest of 2-3% a month of the overdue installment amount is payable.For more Info Read Here | https://indianmoney.com/articles/how-to-apply-for-loan-against-property </p>]]></content:encoded> <wfw:commentRss>https://pbeteln.info/how-to-apply-for-loan-against-property/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>8 Reasons to Invest in Australian Property</title> <link>https://pbeteln.info/8-reasons-to-invest-in-australian-property</link> <comments>https://pbeteln.info/8-reasons-to-invest-in-australian-property#comments</comments> <pubDate>Tue, 21 Mar 2023 12:48:03 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Entertainment]]></category> <guid isPermaLink="false">http://pbeteln.info/?p=64</guid> <description><![CDATA[Property and especially Australian property is an excellent investment. Not only is it much harder to lose money in property than in the stock market, but with property you also benefit both from steady capital growth and from rental income. And as rental income increases over time it protects you from inflation. At the same [...]]]></description> <content:encoded><![CDATA[<p> Property and especially Australian property is an excellent investment. Not only is it much harder to lose money in property than in the stock market, but with property you also benefit both from steady capital growth and from rental income. And as rental income increases over time it protects you from inflation. At the same time you can borrow money to buy property and despite Australia’s high taxation environment, property investment can be very tax efficient.Let’s have a look at these advantages and some more beneficial aspects of residential property investment in a bit more detail.1. An investment market not dominated by investorsFirst of all, you need to realize that some seventy percent of all residential property is “owner occupied” and only thirty percent is owned by investors. That means that residential property is the only investment market not in fact dominated by investors, which means that there is a natural buffer in the market that is not available in the share market. To put it simply, if property values crash by 10%, 20% or even 40% we all still need a home to live in and so most owner occupiers will simply ride out any major crash rather then sell up and rent (compare this to the stock market where a major drop in prices can easily trigger a serious meltdown). Sure, property values can and do go down but they simply do not show the same level of volatility as the share market and property offers a much higher level of security.And if you don’t believe me when I tell you that residential property is a safe investment, then just ask the banks. Banks have always seen residential real estate as an excellent security and that’s why they’ lend up 90% of the value of your property; they know that property values have never fallen over the long term.2. Sustained growthProperty prices in Australia tend to move in cycles and historically they have done well, doubling in cycles of around 7 – 12 years (which equates to about 6% to 10% annual growth). We all know that history is no guarantee for the future but combined with common sense it’s all we have. There is no reason to think that the trends in property of the last 100 years would not continue for the next few decades, but to be successful in property investment you must be prepared and capable to ride out any intermediate storms in the market, but that applies to any investment vehicle you choose.Australia’s median house price between 1986 and 2006 as published by the Real Estate Institute of Australia (REIA) shows that back in June 1986 you would have bought an average home for $80,800. That same home would have been worth $160,500 in 1986, which is pretty much double of what you paid 10 years earlier. Another 10 years later in 2006 that average home was worth some $396,400. So between 1986 and 2006 that average home went up by nearly 400% or about 8.3% per annum.Not bad. And quite in line with the longer term history.In fact, as Michael Keating points out in his blog on 24th January 2008 (Why Melbourne’s properties will keep rising), it is actually on the low side compared to the historical average. Australia’s property prices have been tracked for something like the last 120 years and on average they have risen 10.4% per year. Just in case you might believe that had to do with Australia being a newly found colony, and don’t believe this would be sustainable in the long term, consider this. In the UK records of property sales go back till 1088 and analysis of the data shows that in those 920 years UK property on average has gone up by 10.2% per year.3. Buy It With Other Peoples Money (OPM) Now just in case the above has not been enough to convince of the value of residential property investment, let me tell you one of the great secrets of creating wealth, which also applies to investing in property. The secret is OPM. Other Peoples Money.Secret? No – that’s just marketing hype you see on the web, but the power of Other People’s Money or more common referred to as leverage or gearing is absolutely critical to building wealth. And, in the case of property the leverage you can apply is substantial. As I mentioned above, banks love residential property as security and therefore will easily lend you 80% or 90% of the value.It was Archimedes who said, ‘Give me a lever and I’ll move the earth’. Well, as an investor you don’t want to move the Earth, you just want to buy as much of it as we can! When you use leverage you substantially increase your ability to make profit on your property investments and, importantly, it allows you to purchase a significantly larger investment than you would normally be able to.Let’s have a look at how this works. Imagine there are five investors each with $50,000 to invest. Say they all buy an investment that achieves 10% growth per annum and has a rental yield (or return) of 5% per annum. Investor A borrows 90% of the value of his investment property (Loan to Value Ratio or LVR of 90%) and investors B, C and D borrow 80%, 50% and 20% respectively. Investor E doesn’t borrow at all and goes for an all cash transaction.Let’s start with cashflow, which is here simplified to rental income minus interest paid. Investor A, who geared 90%, has a negative cashflow of $15,500 for the year whilst Investor E who borrowed no money at all has a positive cashflow of $2,500. But that’s not the whole picture because each of the properties increased in capital value and once we include that the picture changes significantly, Investor A has a net worth increase of $34,500 whilst Investor E who didn’t gear increased his net worth by only $7,500. In terms of return on investment Investor A achieved a 69% return on his initial $50,000 whilst investor E achieved a return of 15%.That’s pretty impressive for one year. And if the investors let their properties grow one or two full cycles we’re talking about serious wealth creation. And once the investors have enough equity in their investment property they can use that to fund a second purchase which after a few years growth will allow the purchase of a third and we’re on our way to wealth! That is, those investors who geared as Investor E is not going anywhere fast.However, it is not all that easy. As you saw Investor A incurred a negative cashflow in his first year and would continue to do so for a few years until the rental income had grown sufficiently to pay his interest. He has to fund this annual shortfall from his salary. And this is called negative gearing – you borrow money to generate capital growth in your property but incur an annual shortfall in the near term. For most investors this means there will come a limit on how many properties they can buy with negative gearing, as they don’t have too much spare income. If you look in our strategy sections you can read more about negative gearing and techniques to avoid paying the shortfall out of your own pocket. We also address cashflow positive properties.But let’s get back on topic and have a look at some more compelling reasons to invest in Australian residential property.4. Income That Grows We’ve discussed that Australian residential property vestment is safe, with long term growth prospects and combined with the right level of leverage can create significant wealth. We also briefly touched on the fact that it generates a rental income. The good thing is, that over the years the rental income received from property investments has increased and this increase has outpaced inflation. In fact the last few years have shown tremendous increases rents – I know because the rent on my investment properties has been booming. Still is actually.Ok, but are rents likely to keep growing? Well, statistics show that the level of home ownership is slowly decreasing in Australia. There are a number of reasons for this like demographic trends but, in particular, as property prices keep rising, fewer people are able to afford their dream homes. The latest Australian Bureau of Statistics figures confirm that more and more Australians are renting and many industry commentators are suggesting that the percentage of Australian who will be tenants in the near future will go up to 40%. So demand is growing. We also know that supply of good quality rental properties is limited (very low vacancy rates across all of Australia) and the government is having difficulty providing public housing. So all in all, it is very likely that rents will continue to grow at a pace faster than inflation – good news if you intend to become a property investor!5. Tax EfficientWhen it comes to investing in property, your best friend is the bank as they provide the leverage you need to accelerate your wealth creation. Your second best friend is your tenant, as without a tenant your investment property would stand empty and your third best friend is the taxman.The taxman? Absolutely. How can that be when Australia is not know for attractive tax rates, in fact the opposite?Well, first of all the interest you pay on the loan to buy an investment property is fully tax deductible and if you own the property longer than a year you only pay capital gains tax over 50% of the gain. Add to that various depreciating allowances and you have the makings of a very tax efficient investment. If you do your homework, the bank will happily give 80% or 90% of the money you need to buy your investment property and once you own it, your tenant and the taxman will pay your interest and your rental expenses. Guess who gets to keep the capital gains, you! Talk about OPM.6. Millions of Millionaires And if the above doesn’t get you going, consider this: most of the world’s richest people got rich by investing in property. Those that didn’t get rich from property typically invested their newfound wealth in property.So, if the majority of wealthy people have used investment property to increase their wealth than why not use that knowledge to you advantage and do the same! There’s nothing wrong with seeing what successful people do and applying those principles to your own life.Even McDonalds make more money through its real estate than through selling burgers and fries as it owns most of the land and buildings in which it’s franchises are located!7. You Can Do It Too Before you say, it’s OK for the rich, but how the heck am I going to get into property investing, let me tell you this. You do not need to be very wealthy to get into property investment; it really doesn’t take large sums of money to get involved. And that’s because many of the banks will lend 80%, 90%, 95% and sometimes even 100% or more of the value of a residential property. As long as you have a steady job and a little starting capital (spare equity in your home) you can afford to buy investment properties.It has been shown over and over again that careful and intelligent use of real estate can enable ordinary people, like you and me, to become property millionaires in about 10 years. If you truly intend to become one of the wealthy people in the future, you should probably take a serious look at using property to your advantage.8. Too Much Hard Work? There are many ways to make money and some say that property investment isn’t that easy and takes a lot of time and effort. It takes time to get an understanding of the property market and how to go about investing in property. It can take weeks if not months to research areas and find the right investment property for you. And then it only gets worse, you have to organize finance, get a solicitor to deal with all the legal work. Just the finance and legal work can take 30 to 60 days. And once you own the property the work isn’t over, as you need to look after it and do your tax!Nobody said it would be easy. Nobody said you didn’t have to get your hands dirty.It will take time and you will have to work at it and educate yourself. But hey, if you are serious about creating wealth and retiring early then property is a great way to achieve that. And once you’ve started and get some experience under your belt, you’ll see that I gets easier, and actually the process of building a investment property portfolio can be very rewarding and a lot of fun too.So, to come back to the original question, my choice for property investment is based on the low level of risk and robust long-term performance property compared to the alternatives. Investing in property, if done well, is Simple, Safe and Reliable.Please note that this article does not include the charts and tables of the original article. </p>]]></content:encoded> <wfw:commentRss>https://pbeteln.info/8-reasons-to-invest-in-australian-property/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>4 Reasons The Study Of Organizational Behavior Is Imperative</title> <link>https://pbeteln.info/4-reasons-the-study-of-organizational-behavior-is-imperative</link> <comments>https://pbeteln.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://pbeteln.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://pbeteln.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://pbeteln.info/would-you-benefit-from-making-early-payments-on-your-auto-loan</link> <comments>https://pbeteln.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://pbeteln.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://pbeteln.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:
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