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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>piopeln.info</title> <atom:link href="http://piopeln.info/feed" rel="self" type="application/rss+xml" /> <link>https://piopeln.info</link> <description></description> <lastBuildDate>Sun, 18 Feb 2024 17:46:32 +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>Bathroom Wall Decor – Creative Ideas For Bathroom Wall Decor</title> <link>https://piopeln.info/bathroom-wall-decor-creative-ideas-for-bathroom-wall-decor</link> <comments>https://piopeln.info/bathroom-wall-decor-creative-ideas-for-bathroom-wall-decor#comments</comments> <pubDate>Sun, 16 Apr 2023 17:35:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[wall decoration]]></category> <guid isPermaLink="false">http://piopeln.info/?p=80</guid> <description><![CDATA[A bathroom whether it is an independent unit or attached to a bedroom will always have tiles running around all wall surfaces. I some cases the tiles are fixed up to 4 feet height and then the wall are painted with a waterproof painting to prevent the seepage of water into the brick walls.If you [...]]]></description> <content:encoded><![CDATA[<p> A bathroom whether it is an independent unit or attached to a bedroom will always have tiles running around all wall surfaces. I some cases the tiles are fixed up to 4 feet height and then the wall are painted with a waterproof painting to prevent the seepage of water into the brick walls.If you bathroom is small, you can use this to your advantage. Normally the small or big size of any space is perceived because of the border walls of any room. Using unique flooring and wall decor ideas you can easily remove the perception of borders and the room looks bigger.You can do this by creating a flooring pattern in the bathroom using tiles and then continue this pattern on the walls as wall decor theme. You can do this up to 4 feet height as well. This will break out the dimensions of the bathroom and it will appear bigger.Thus bathroom wall decor plays a major role in how the bathroom look when finished this because unlike every other room in your home, a bathroom has a limited number of furniture and decorating accessories available.However if you follow a design theme while creating the plans and other drawings, it becomes very cost effective. First of all in most cases such as apartment bathrooms the height of the bathroom is smaller than the rest of the room. This is done because the dimensions of the bathroom are smaller too.In such cases all can be treated with murals of ceramic times. While choosing the tiles it is necessary to understand who is going to use the bathroom. A bathroom wall decor theme will differ from a teenager’s bathroom that a kid’s bathroom.Everything from color schemes to which pattern you choose on the tile such as baby animals, flowers, etc will have a great impact on bathroom interiors. For example a mural on the wall showing baby animals taking a bath is a great choice for the kid’s bathroom wall decor. However for a master bathroom or teenagers bathroom use of mirrors on the walls will bring more attraction and the teenager will love it. So bathroom wall decor is all about fulfilling specific needs for the specific age group.Copyright Shrinivas Vaidya. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://piopeln.info/bathroom-wall-decor-creative-ideas-for-bathroom-wall-decor/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Outsourcing Directory Submission to a Professional</title> <link>https://piopeln.info/outsourcing-directory-submission-to-a-professional</link> <comments>https://piopeln.info/outsourcing-directory-submission-to-a-professional#comments</comments> <pubDate>Sun, 02 Apr 2023 04:03:31 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[SEO Directory]]></category> <guid isPermaLink="false">http://piopeln.info/?p=78</guid> <description><![CDATA[Directory submission forms a very important part of SEO services. In fact, SEO can be used to its fullest potential only if submissions are done accurately and correctly. It is, at the same time, very boring and monotonous.Apart from that, it may require you to maintain a list of thousands of web directories that act [...]]]></description> <content:encoded><![CDATA[<p> Directory submission forms a very important part of SEO services. In fact, SEO can be used to its fullest potential only if submissions are done accurately and correctly. It is, at the same time, very boring and monotonous.Apart from that, it may require you to maintain a list of thousands of web directories that act as yellow pages. You will need to know which ones are most frequently used. And this is not a cakewalk, considering, that there is no single best site.Like internet and the business of search engine optimization, directory submissions too, are very dynamic. The most visited site might not be the best for your category or it might not have your category at all! Also, the most visited sites keep changing with the changing trends of users surfing them. It is, simply, too dynamic for a non professional to handle.Another reason why you should consider outsourcing your directory submission work to a professional is the fact that, if you post too many submissions in one go, Google tends to get suspicious. The backlinks need to be developed gradually over time. This means that you would have to hire for directory submissions. Instead consider outsourcing.There are various packages available to suit your need. You could get your submissions done from as less as 50 to as many as 1000 directories. These specialists send reports informing you about where the submissions were made, under what category and how many hits they have received. Isn’t it, much simpler, to just review the work rather than go through the hassles of doing it in-house?Also your submissions will be posted from time to time as per the requirements. In case you have already done some of the work yourself, never mind. You can still join! Just give the professional the list of directories not to post to! With this service you can get your directory submission work done at a lesser cost and with much greater efficiency and peace of mind. </p>]]></content:encoded> <wfw:commentRss>https://piopeln.info/outsourcing-directory-submission-to-a-professional/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Business Printing Services and Comparing Price Quotes</title> <link>https://piopeln.info/business-printing-services-and-comparing-price-quotes</link> <comments>https://piopeln.info/business-printing-services-and-comparing-price-quotes#comments</comments> <pubDate>Sun, 02 Apr 2023 00:14:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Aerospace Defense]]></category> <guid isPermaLink="false">http://piopeln.info/?p=76</guid> <description><![CDATA[One of the best things when it comes to opting for a business service online is the efficiency of getting various pricing quotes. As with land based businesses, people often neglect the importance of comparing in between different price quotes because of the fact that it entails too much effort to sail through one office [...]]]></description> <content:encoded><![CDATA[<p> One of the best things when it comes to opting for a business service online is the efficiency of getting various pricing quotes. As with land based businesses, people often neglect the importance of comparing in between different price quotes because of the fact that it entails too much effort to sail through one office to another. However, this is hardly the case with online businesses. Potential customers can easily access different price quotes within a few clicks away. All it takes is a search engine, the right keywords and viola. There goes a series of price quotes waiting to be reviewed.Among these online businesses which are sought after in terms of price quotes are online printing services. If one wishes to avail of online printing services, it is definitely imperative to review various printing quotations first before zeroing in on one. After all, there are so many companies online which offer such services so one cannot really afford to settle for less. Obtaining price quotes from these online printing services are easy because they are often given for free or easily downloaded on the company’s website.Once the price quotes are in hand there follows a series of important things which must be looked into. Business printing services strive to keep their businesses going by working in full detail according to the preference of the customers. However, their detailed work also comes in a price which may not always come in the form of literal price. Sometimes, there are certain features which may or may not be offered.Among these nitty gritty details to be considered is the size. Of course the first one need to think about is the size of each printed materials to be ordered. Size inevitably affects the total cost of the printing package and it also affects how long it will take for the online printing services to have it finished. In addition, online printing services often have their own predefined sizes when it comes to printing materials. But of course there are circumstances wherein customers would ask for customized sizes which are not in the company’s own current template. So if one wishes to pursue customized sizes, they may come with additional fees.Apart from size, another important aspect of a pricing quotation which must be paid with close attention is the materials to be used. Check what kind of printing materials are available in each price quotation and see how justifiable the prices are. Specialty papers may be more expensive than the usual papers used for flyers. This is because specialty papers are made from more detailed textures and components so the added value will be passed on in the form of more expensive fees. In this case, it is important that you see printed samples first before opting for specialized materials so that you can be sure that they will not compromise the total look of your printouts.Bulk prices are also one of the most important things to be considered when comparing quotes in between different business printing services. Usually, bulk orders will lead to discounts and lowered costs because of the order’s quantity. </p>]]></content:encoded> <wfw:commentRss>https://piopeln.info/business-printing-services-and-comparing-price-quotes/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Right Way to Research Your Family Tree</title> <link>https://piopeln.info/the-right-way-to-research-your-family-tree</link> <comments>https://piopeln.info/the-right-way-to-research-your-family-tree#comments</comments> <pubDate>Sat, 01 Apr 2023 13:38:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Grandparenting]]></category> <guid isPermaLink="false">http://piopeln.info/?p=74</guid> <description><![CDATA[The quest in finding out your history starts with a very special person – you. Though you may be one among billions, you take a very crucial place in this world. You are a testament to your family history. Researching your family tree is not at all difficult. All it takes is time and the [...]]]></description> <content:encoded><![CDATA[<p> The quest in finding out your history starts with a very special person – you. Though you may be one among billions, you take a very crucial place in this world. You are a testament to your family history. Researching your family tree is not at all difficult. All it takes is time and the dedication to follow through. Of course new technology such as free genealogy databases provide a welcome help. But even the most advance technology will be meaningless if you don’t want to learn more about your family heritage. So it’s all about your desire to learn your past.The basic strategy is to interview as many relatives as you can. This is the same step whether you’re working on genealogy in Warragul or some remote island in the pacific. The problem however is that some relatives tend to forget details. When this happens, you will in for ride because this is where the true Sherlock Holmes in you will go to work.At this point genealogy software for photos and editing is not your best tool yet. On the other hand, the internet can be a vital tool in researching missing pieces of your family history. You can search free genealogy databases or even create your own online. Moreover, you can utilize family tree online notices to reach relatives across the globe (whether you actually know them or not). This works by sending out notices all over the world via the World Wide Web and people can answer these notices. It saves a lot of time and resources using this method. There are various genealogy sites that can help you with information from death certificates, marriage, birth, death and other vital information in your research. So when you’re working on your family genealogy in Warragul or some other place, the internet can hook you up with the right people to make things easier. There are free sites and paid sites to help you with your research. Of course paid sites can cost a small amount but can provide you with more accurate data.To aid your research, making use of genealogy software for photos can help identify people easier because they have some visual reference. So with the aid of technology and your diligence, you can easily trace family members and complete your family heritage project in no time.Creating a family tree is not just a kindergarten homework or social studies project. It’s an important way to connect with your heritage whose rewards go beyond money. This is your gift for the future of your family. </p>]]></content:encoded> <wfw:commentRss>https://piopeln.info/the-right-way-to-research-your-family-tree/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Property Tax Appeal Math and Supporting Documentation</title> <link>https://piopeln.info/property-tax-appeal-math-and-supporting-documentation</link> <comments>https://piopeln.info/property-tax-appeal-math-and-supporting-documentation#comments</comments> <pubDate>Sat, 01 Apr 2023 02:11:32 +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://piopeln.info/?p=71</guid> <description><![CDATA[With home prices down significantly in New Jersey from levels during the peak of the artificially inflated real estate boom in 2006, more homeowners may be entitled to a reduction in their property taxes in this prolonged economic downturn. Homeowners who bought during the height of the real estate boom or who live in towns [...]]]></description> <content:encoded><![CDATA[<p> With home prices down significantly in New Jersey from levels during the peak of the artificially inflated real estate boom in 2006, more homeowners may be entitled to a reduction in their property taxes in this prolonged economic downturn. Homeowners who bought during the height of the real estate boom or who live in towns that conducted recent revaluations, may be paying more property taxes than their homes are worth. Figuring out if your home assessment is fair, and if you are a good candidate for a NJ property tax appeal in 2010 and beyond will require some grunt work, and you should start the process knowing most appeals fail. This sobering fact is not meant to discourage, but to give a realistic picture of what a taxpayer faces going into this process. At a time when cash-poor consumers are worrying about the economy and just holding onto their jobs, that leg work could go a long way, either resulting in a successful NJ property tax appeal, or at least in saving you time, effort, and misery if you don’t qualify.Already, the average property owner looking to do a NJ property tax appeal pays about $6,000 a year in property taxes, about twice the national average. And with New Jersey already facing projected budget shortfalls in the $1 to $2 billion dollar range and already falling revenues, the chance of property owners getting any kind of meaningful property tax reform legislation is slim.One of the few ways to reduce your property taxes is to catch any mistakes and correct any errors in your annual tax assessment. The implosion of the housing market has caused housing prices to fall over the past three years. Many New Jersey homeowners may now have an opportunity to lower their property tax bills by filing a tax appeal to challenge their tax assessment.If you think you home assessment is unfair or incorrect, you have until April 1 to file your appeal. To find out if you’re a good candidate for a NJ property tax appeal, you should first have some understanding of how property is assessed in New Jersey and how the appeal process works.Every year, in either late January or early February, tax assessors are required to mail to each property owner in New Jersey, an annual tax assessment notice. It’s typically printed on a small green card and it simply states your home’s assessed value for both the land and any improvements. The number on the card is calculated as of October 1 of the pre-tax year. So, for example, the tax assessment date for 2009 is October 1, 2008. That number, however, is virtually meaningless unless you know what your town’s average tax ratio currently is.Every year, the state Division of Taxation with the help of assessors computes these average ratios by analyzing sales of comparable properties over the prior 24 months. The list of these ratios is published every year, usually right after Christmas, on the division’s website.The Math Involved in a NJ Property Tax AppealTo determine whether your property is over or under assessed, there is some math involved.Have your calculator handy for this part. Every township also gives itself a margin of error which is equal to plus and minus 15 percent of the average ratio. This huge 30 percent sway is the first of many reasons that many appeals are denied. Are houses mis-assessed? Yes. Are they incorrectly assessed by this large a swing? Not very often.For example, the average tax ratio for Town XYZ in 2010 is 88.54 percent. On the low end, the town’s ratio is 75.26 percent and on the high end its 101.82 percent. All these ratios are important to figuring out if your home is assessed fairly. If a home in Town XYZ is assessed at $500,000, the property owner must divide his or her home’s assessment by the average ratio — 88.54 percent — to determine the fair market value of their property, in reality, what the town thinks the property is really worth. In this example, the true value comes out to $564,717.But don’t forget about that margin of error! Property owners should then repeat this same exercise, using the town’s lower ratio and the highest ratio, so they can see the ranges they are dealing with. Using the previous example, dividing their home’s assessed value of $500,000 by 75.26 percent gives you $664,364 and dividing it by 101.82 gives you around $491,063.If the comparable home sales on your block have been selling for less than $491,063 and your assessed value is $500,000, Congratulations! You are a good candidate for a tax appeal. If you win, the township is required to reduce your assessment. Conversely, if all the homes on your block are selling for more than $664,364, you might want to lay low and start praying that everyone else lays low as well. Your home is probably under-assessed. And if you fall in between those ranges, abandon the idea of an appeal. You’ll not only lose your NJ property tax appeal, you could even open the boards eyes to the prospect of jacking everybody else’s assessment up in order to increase revenues. The only plus side to this scenario is that this is how school districts are funded, so if you have kids, they will at least see some of your lost money down the road in better textbooks.Your Supporting Documentation for a Successful NJ Property Tax AppealNot to beat a dead horse here, but keep in mind that most taxpayers that file an appeal will lose their appeal. We already talked about one reason… the margin of error. The second reason is that the burden of proof is on the taxpayer, and most taxpayers fail to present the proper evidence to support their case, and municipalities don’t grant appeals out of the goodness of their heart. They have interests they are obligated to protect just like you.The best evidence a taxpayer can supply in a NJ property tax appeal is recent comparable sales of between three and five other properties of a similar type in your neighborhood. This brings us to reason number three that an NJ property tax appeal is denied: the shortage of recent sales data.Why is there a shortage of sales data, you ask, when you see nothing but for sale signs around your neighborhood? It all boils down to that notice stuck to the front door. Welcome to reason number four that a NJ property tax appeal is denied: estate sales, foreclosures, short sales, sheriff’s sales, etc. are not considered “arm’s length transactions,” in New Jersey and therefore you are not allowed to present those types of transactions as comparable sales data during your appeal. These transactions are considered transactions “under duress” and are generally not considered valid comparable sales.Even with all these hurdles, there will be situations occurring where the taxpayer, after compiling the available evidence and doing the proper due diligence, will have a better than average chance of successfully winning a NJ property tax appeal. The good news is that you can get a pretty good idea of your chances of success BEFORE you are standing in front of the assessment board. Good luck. </p>]]></content:encoded> <wfw:commentRss>https://piopeln.info/property-tax-appeal-math-and-supporting-documentation/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Tips For Picking Corporate Event Entertainment</title> <link>https://piopeln.info/tips-for-picking-corporate-event-entertainment</link> <comments>https://piopeln.info/tips-for-picking-corporate-event-entertainment#comments</comments> <pubDate>Sun, 26 Feb 2023 14:57:01 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://piopeln.info/?p=68</guid> <description><![CDATA[Keep in mind that if you are looking for corporate event entertainment make sure that you go with a company that can serve your company and not get entertainment based upon limited pool of resources. There are some great entertainment groups practically in every area of the country that can supply entertainment to your corporate [...]]]></description> <content:encoded><![CDATA[<p> Keep in mind that if you are looking for corporate event entertainment make sure that you go with a company that can serve your company and not get entertainment based upon limited pool of resources. There are some great entertainment groups practically in every area of the country that can supply entertainment to your corporate event.Perhaps one of the first things you should do is specify the kind of entertainment that will work well with your company and not be pigeon holed into a particular type of entertainment that may not reach all of your corporation.Secondly, it is important to take a consensus of your employees. A simple search of your base market will direct you on what type of entertainment will go over well and catch the attention of the majority. This is an important step in considering the type of corporate event entertainment company you are looking to hire. If you have a majority that can not be easily entertained by the run of the mill comedian, then make sure your entertainment headhunter can get something out of the ordinary.Thirdly, which of course has already been thought of, plan your budget for such an event. What type of entertainment and just how much of it are you willing to spend to get for your organization. These are significant considerations especially if you have done your research on your employees and realize that nothing but the best will do for their high quality taste.Last but not least, consider what is the purpose for throwing a corporate event entertainment function. Is it just purely for fun or are you looking to band your company together and improve group relations. This can all make the type of entertainment you choose for the event vary as well. Many high demand entertainers have their own agenda and may not cater if you want a specific theme thrown into the event.In all aspects of business it pays to do your homework before you outsource and in the area of corporate event entertainment it is just as crucial. Taking the tips to acquire the right type of entertainment your corporation will leave the entertainment function refreshed and focused on whatever your goal is in mind for the event. This can be a multi-faceted event base around entertaining and growing your company in different areas with the right form of delivery. </p>]]></content:encoded> <wfw:commentRss>https://piopeln.info/tips-for-picking-corporate-event-entertainment/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Three Killers of Misunderstanding Investing</title> <link>https://piopeln.info/the-three-killers-of-misunderstanding-investing</link> <comments>https://piopeln.info/the-three-killers-of-misunderstanding-investing#comments</comments> <pubDate>Fri, 03 Feb 2023 17:38:00 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://piopeln.info/?p=66</guid> <description><![CDATA[An annual delight of mine is reading Warren Buffett’s annual letter to shareholders. Buffett has very much influenced me as a financial advisor and how I manage investments. In this year’s letter he writes, “Investing is often described as the process of laying out money now in the expectation of receiving more money in the [...]]]></description> <content:encoded><![CDATA[<p> An annual delight of mine is reading Warren Buffett’s annual letter to shareholders. Buffett has very much influenced me as a financial advisor and how I manage investments. In this year’s letter he writes, “Investing is often described as the process of laying out money now in the expectation of receiving more money in the future. At Berkshire we take a more demanding approach, defining investing as the transfer to others of purchasing power now with the reasoned expectation of receiving more purchasing power – after taxes have been paid on nominal gains – in the future. More succinctly, investing is forgoing consumption now in order to have the ability to consume more at a later date.”Whew, it brings tears to my eyes. Each time I meet with a client, I always try to reframe the concept of “money” and “investing”. Money is all about purchasing power and it’s all about buying things at some point in time. It’s laughably simple, but to me I can think of no other concept that common investors miss. Here are three implications of missing the concept:1. Responding to volatility – It is human nature to run from scary things. Each time the market goes down, investors panic out of the market. In my opinion, the only time an investor should take his or her foot off the gas pedal of investing is when they have decided that it is time to buy things in the near term. Otherwise, all sails should be up, your hand should be on the helm and you should ignore the reports of monsters in the waters or that you’ll sail off the edge of the world. If you think about when the money you have invested will actually buys things, the answer is often not in the foreseeable future. Naturally it’s different if you are living off your investments in the present time particularly if you are in long term care rapidly draining them down, but this answers the important question of when you are going to buy things. Volatility must be looked at as only that: volatility. Volatility is simply the price of admission that you must cope with in the task of seeking to outpace inflation. Historically, speaking of the broader capital markets, volatility has never ended up being a long term risk.2. Being irrationally conservative – If an investor embraces the concept that you are taking an amount of money that has purchasing power, investing it in something and that when it is done it will have a different purchasing power afterward, then he or she would probably keep as little money in cash equivalent investments as possible. I think it’s always important to assess how much cash somebody needs to have on hand, but then to highly discourage having anything more than that figure. I have no idea why somebody would get a CD for money that they are not likely to spend in their lifetimes. If somebody gets a $100,000 one-year CD earning 0.50% when inflation is 3.00% in essence they’ve lost 2.5% or $2,500 at the end of the term. If each year this was sent as a bill, I have a feeling people wouldn’t do this as much as they do. Elsewhere in the Berkshire annual report, Buffett notes that since 1965 the dollar has fallen by 86%! It takes $7.00 to buy what $1.00 bought back then. Investors who are earning a rate less than inflation are kidding themselves if they think that they any portion of that interest as “income”. And to turn the knife, that “income” is usually fully taxable. Cash is like oxygen, you want a little around you to breathe, but anything beyond that should be promptly deployed.3. Jumping into Bubbles – This type of investment shows the ugly side of supply and demand. Sometimes an investment will increase in price only because of an expanding pool of buyers and not because the investment is increasing in value. There will be a group of buyers in an investment. More are attracted to that pool not because of the investment, but only because they believe that the buying pool will expand further. The investors are not investing because of what the asset will produce (usually the asset is a zombie from a rational standpoint), but rather because they believe that in the future other investors will desire it even more. The essence of a bubble is that it doesn’t have to do with the investment itself and that there isn’t anything to numerically justify it, it’s all about expecting future buyers of the asset. To me, gold is a bubble. It is a zombie asset and the only thing driving the price is the hope that in the future somebody else will come along who will buy it for more than what you bought it for. This isn’t investing, it’s speculating. If you were given one ounce of gold when you were born, when you died you would have… one ounce of gold. The cruel experience is that investors usually see prices rise and it justifies their investing hypothesis – at least for a while. As a financial advisor, there’s no shame in telling people they shouldn’t invest in something based on principle and then to see the prices of that investment rise afterward. There’s no shame in being temporarily wrong.I think that when investors seek to denominate their money in a manner which orients it around the reality that people purchase things now and in the future, then they are likely to let go of their primitive fears that cause them to do foolish things. 5 years, 10 year, 50 years, 100 years from now humans will consume more than they do now. When you have money denominated (or invested) in a stock, it is a piece of a company that in the natural flow of business will raise its prices along with seeking to expand its sales (which all things equal, should happen simply by population growth and also perhaps by the emerging consumers across the globe). Some investments are designed to keep up with rising prices, others are not designed that way.There are strategies that compliment this, but before investing you have to embrace that it’s about purchasing power and guarding that. Secondly, that if you aren’t exercising your purchasing power (otherwise known as buying things), it’s unlikely that you have any rational reason to cash out your investments. History has taught us that this approach consistently works so long as people don’t let their emotions take the helm. </p>]]></content:encoded> <wfw:commentRss>https://piopeln.info/the-three-killers-of-misunderstanding-investing/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Why Vaccinations Are Important Before Travelling</title> <link>https://piopeln.info/why-vaccinations-are-important-before-travelling</link> <comments>https://piopeln.info/why-vaccinations-are-important-before-travelling#comments</comments> <pubDate>Fri, 03 Feb 2023 13:53:40 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://piopeln.info/?p=64</guid> <description><![CDATA[If you are planning to travel outside of the United States, oftentimes you are strongly urged, if not required to get vaccinations. Bringing an unwanted traveler with you, like a cold, on vacation or a business trip, sounds pretty terrible. Bringing a potentially deadly disease back home with you is much worse for you and [...]]]></description> <content:encoded><![CDATA[<p> If you are planning to travel outside of the United States, oftentimes you are strongly urged, if not required to get vaccinations. Bringing an unwanted traveler with you, like a cold, on vacation or a business trip, sounds pretty terrible. Bringing a potentially deadly disease back home with you is much worse for you and potentially your family or community. This is why it is so important to do your research and get your vaccinations before you travel.We see news reports all the time about pandemics in other countries. By receiving vaccinations, you decrease your vulnerability to getting seriously ill. Be sure to speak to your doctor about where you are going, the length of time for your stay, and your predominant activities like whether you will be in an urban area, outdoors sightseeing, or eating local cuisine. Below are some countries and what to be aware of.AfricaIn most parts of Africa, the concerns for disease are no more so than other countries where there is a risk of Hepatitis A and Typhoid due to contaminated food and water, Malaria if you are in a high mosquito area, and Yellow Fever. Not as common but a risk nonetheless are Polio, Hepatitis B, and Rabies. One thing to note is the “meningitis belt” located in the sub-Saharan area of Africa. There is a significant risk of meningococcal meningitis in this area, transmitted from person to person through respiratory secretions (coughing or sneezing) and saliva.The BahamasHepatitis A and Typhoid are possible diseases that you may incur when visiting The Bahamas, depending on where you stay. The root cause is generally from contaminated water or food, especially in rural areas or if you plan to eat native foods.ChinaIn addition to your routine vaccinations, Hepatitis A and Typhoid are the most common concerns when visiting China. Additionally, Hepatitis B, Encephalitis and Malaria vaccinations may be considered depending on your travel plans. If you are planning to visit the Xinjiang province, the Polio vaccination is recommended, especially if you are doing any kind of humanitarian work.EuropeMost of the European countries, which include the United Kingdom, Ireland, France, Germany, Switzerland, and Norway, have risks for Hepatitis A and B, as well as rabies. Speaking to your doctor will alleviate any concerns for potential health risks.IndiaThe most common afflictions when visiting India are Hepatitis A and Typhoid, most commonly associated with ingesting contaminated food or water. Other maladies may include Hepatitis B, Malaria, or Encephalitis. There is also a chance for rabies because of the wild dogs, bats or other mammals.MexicoIn addition to the possibility of food and water contamination that may afflict you with Hepatitis A, Hepatitis B or Typhoid, Malaria is common, especially in warm and moist climates where mosquitoes are prevalent.South AmericaBefore visiting any of the countries in South America including Brazil, Colombia, Venezuela, Peru and Panama, you should speak to your doctor about your travel plans and intentions. Hepatitis A and Typhoid are most commonly associated with traveling in these areas. Additionally, Hepatitis B, Malaria, and rabies are a risk, as is Yellow Fever.As with any travel outside of the United States, be sure to do your research. Speaking with your physician approximately four to six weeks prior to your trip is always recommended. Get your vaccinations and all medicines to assure yourself the best health during your travels, and prevent any unwanted disease from following you home. </p>]]></content:encoded> <wfw:commentRss>https://piopeln.info/why-vaccinations-are-important-before-travelling/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>4 Reasons The Study Of Organizational Behavior Is Imperative</title> <link>https://piopeln.info/4-reasons-the-study-of-organizational-behavior-is-imperative</link> <comments>https://piopeln.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://piopeln.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://piopeln.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://piopeln.info/would-you-benefit-from-making-early-payments-on-your-auto-loan</link> <comments>https://piopeln.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://piopeln.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://piopeln.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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