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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>pjtycln.info</title> <atom:link href="http://pjtycln.info/feed" rel="self" type="application/rss+xml" /> <link>https://pjtycln.info</link> <description></description> <lastBuildDate>Sun, 18 Feb 2024 17:50:04 +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>How to create a budget and stick to it</title> <link>https://pjtycln.info/how-to-create-a-budget-and-stick-to-it</link> <comments>https://pjtycln.info/how-to-create-a-budget-and-stick-to-it#comments</comments> <pubDate>Tue, 31 Oct 2023 17:06:13 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://pjtycln.info/?p=113</guid> <description><![CDATA[Creating a budget and sticking to it is one of the most important things you can do for your financial health. A budget can help you track your income and expenses, so you can make sure you’re not spending more money than you’re earning. It can also help you save for your financial goals, such [...]]]></description> <content:encoded><![CDATA[<p>Creating a budget and sticking to it is one of the most important things you can do for your financial health. A budget can help you track your income and expenses, so you can make sure you’re not spending more money than you’re earning. It can also help you save for your financial goals, such as retirement or a down payment on a house.</p><p>How to create a budget</p><p>To create a budget, you’ll need to track your income and expenses for at least one month. This will give you a good understanding of where your money is going. You can use a budgeting app, a spreadsheet, or even a notebook to track your spending.</p><p>Once you have a good understanding of your income and expenses, you can start to create your budget. Here are a few steps to follow:</p><p>List all of your income sources. This includes your salary, wages, investment income, and any other money you receive on a regular basis.<br />List all of your expenses. This includes your housing expenses, food costs, transportation costs, and any other money you spend on a regular basis.<br />Categorize your expenses. This will help you see where your money is going. Some common expense categories include housing, food, transportation, utilities, insurance, debt payments, and savings.<br />Set spending limits for each category. This is where you’ll decide how much money you can afford to spend on each category each month.<br />Review your budget regularly. Your budget is a living document, so it’s important to review it regularly and make adjustments as needed.<br />How to stick to your budget</p><p>Once you have a budget, it’s important to stick to it. Here are a few tips:</p><p>Be realistic. When you’re creating your budget, it’s important to be realistic about how much money you can afford to spend on each category. If you set your spending limits too low, you’re more likely to overspend.<br />Be flexible. Things don’t always go according to plan, so it’s important to be flexible with your budget. If you have unexpected expenses one month, you may need to adjust your spending limits for other categories.<br />Track your spending. One of the best ways to stick to your budget is to track your spending regularly. This will help you see where your money is going and identify areas where you can cut back.<br />Use cash instead of credit cards. It can be easier to overspend when you’re using credit cards. If you’re trying to stick to your budget, it may be helpful to use cash instead.<br />Set financial goals. Having financial goals can help you stay motivated to stick to your budget. When you have a specific goal in mind, such as saving for a down payment on a house or retirement, it’s easier to say no to unnecessary spending.<br />Tips for creating a budget and sticking to it for beginners</p><p>Here are a few tips for creating a budget and sticking to it for beginners:</p><p>Start small. If you’re new to budgeting, don’t try to track every single expense. Start by tracking your major expenses, such as housing, food, and transportation. Once you’re comfortable with tracking your major expenses, you can start to track your smaller expenses.<br />Use a budgeting app. There are many different budgeting apps available, and they can make it much easier to create and stick to a budget. Some popular budgeting apps include Mint, Personal Capital, and You Need a Budget.<br />Get help from a financial advisor. If you’re struggling to create or stick to a budget, you may want to consider getting help from a financial advisor. A financial advisor can help you create a budget that meets your individual needs and goals.<br />Conclusion</p><p>Creating a budget and sticking to it is an important step in improving your financial health. By following the tips above, you can create a budget that works for you and stick to it over the long term.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://pjtycln.info/how-to-create-a-budget-and-stick-to-it/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to invest in the stock market for beginners</title> <link>https://pjtycln.info/how-to-invest-in-the-stock-market-for-beginners</link> <comments>https://pjtycln.info/how-to-invest-in-the-stock-market-for-beginners#comments</comments> <pubDate>Tue, 31 Oct 2023 17:04:49 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://pjtycln.info/?p=110</guid> <description><![CDATA[Investing in the stock market can be a great way to grow your wealth over time. However, it’s important to understand the risks involved before you invest. This article will walk you through the basics of stock market investing and give you some tips for getting started. What is the stock market? The stock market [...]]]></description> <content:encoded><![CDATA[<p>Investing in the stock market can be a great way to grow your wealth over time. However, it’s important to understand the risks involved before you invest. This article will walk you through the basics of stock market investing and give you some tips for getting started.</p><p>What is the stock market?</p><p>The stock market is a place where people can buy and sell shares of ownership in public companies. When you buy a share of stock, you’re essentially buying a small piece of that company. If the company does well, the value of your stock will go up. If the company does poorly, the value of your stock will go down.</p><p>Why invest in the stock market?</p><p>There are several reasons why people invest in the stock market. Some people invest to grow their wealth over time. Others invest to generate income from dividends. And still others invest to speculate on the future performance of a company.</p><p>What are the risks of investing in the stock market?</p><p>The stock market is a risky place to invest your money. There is always the possibility that you could lose some or all of your investment. The stock market can also be volatile, meaning that the prices of stocks can go up and down dramatically.</p><p>How to get started investing in the stock market</p><p>Here are some steps you can take to get started investing in the stock market:</p><p>Open a brokerage account. A brokerage account is an account that allows you to buy and sell stocks. There are many different brokerage firms to choose from, so it’s important to compare fees and services before you open an account.<br />Decide how much you want to invest. It’s important to start small and invest only what you can afford to lose. You can always invest more money later as you become more comfortable with the stock market.<br />Choose what to invest in. There are thousands of different stocks to choose from, so it’s important to do your research before you invest. You can read financial news articles, company reports, and analyst reports to learn more about individual stocks.<br />Place your order. Once you’ve decided what to invest in, you can place your order with your broker. You can tell your broker how many shares you want to buy and what price you’re willing to pay.<br />Monitor your investments. Once you’ve invested in stocks, it’s important to monitor your investments regularly. This means checking the prices of your stocks and reading news articles about the companies you’ve invested in.<br />Tips for beginner stock market investors</p><p>Here are some tips for beginner stock market investors:</p><p>Start small. You don’t need to invest a lot of money to get started in the stock market. You can start with as little as $100.<br />Invest for the long term. The stock market can be volatile in the short term, but it has historically trended upwards over the long term. If you’re investing for the long term, you’re more likely to see positive returns.<br />Diversify your portfolio. Don’t put all your eggs in one basket. Spread your money out over different stocks and industries to reduce your risk.<br />Don’t panic sell. If the stock market takes a downturn, don’t panic sell your stocks. Instead, stay calm and hold on to your investments for the long term.<br />Conclusion</p><p>Investing in the stock market can be a great way to grow your wealth over time. However, it’s important to understand the risks involved before you invest. By following the tips above, you can get started investing in the stock market safely and confidently.</p><p>Additional resources</p><p>Here are some additional resources that you may find helpful:</p><p>Investopedia: https://www.investopedia.com/<br />The Motley Fool: https://www.fool.com/<br />NerdWallet: https://www.nerdwallet.com/<br />Bankrate: https://www.bankrate.com/<br />Securities and Exchange Commission: https://www.sec.gov/</p>]]></content:encoded> <wfw:commentRss>https://pjtycln.info/how-to-invest-in-the-stock-market-for-beginners/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Personal Finance – Personal Budgeting Software</title> <link>https://pjtycln.info/personal-finance-personal-budgeting-software</link> <comments>https://pjtycln.info/personal-finance-personal-budgeting-software#comments</comments> <pubDate>Wed, 19 Apr 2023 16:17:21 +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://pjtycln.info/?p=108</guid> <description><![CDATA[A lot of people like to use Excel to do their personal finance budgeting. If one was interested in making their budget this way they would need to be fairly skilled in Excel. If you do not have good Excel skills there is still hope for you.There are many personal budget software templates available on [...]]]></description> <content:encoded><![CDATA[<p> A lot of people like to use Excel to do their personal finance budgeting. If one was interested in making their budget this way they would need to be fairly skilled in Excel. If you do not have good Excel skills there is still hope for you.There are many personal budget software templates available on the Internet that are free. If you go to Google and do a search for “personal budgeting software” there will be a whole list of potential templates. Of course if you choose to go with a free template/program it will require a little more work on your part. No problem with this at all though, like I said, I go the free route myself.If you have decided that you would like to be more serious and professional about your personal financial budget then I suggest you spend the small amount of money ($15-$60) and find professional personal financial budgeting software.I have include one excellent budgeting software program that I suggest everyone gets.Quicken Deluxe Personal Financial Budgeting SoftwarePositives: Quicken personal financial advising software programs have some of the most comprehensive and professional personal financial budgeting sets out there. These programs are very good, give you any tool you could imagine, and quick aenlso provides good support/updates. These are by far the most complete and well known products available.Negatives: More expensive that other personal financial budgeting software programs out there.Now that I have given you information about what a Personal Finance Budget is and also have shown you an excellent personal financial budgeting software program you have absolutely no excuse not to get moving on this.Please do the intelligent and either start your own free personal financial budget through Excel or make the small purchase of a budgeting software program that will pay for itself hundreds of times over.If you plan to take control of your finances when do you plan on doing it? 8 months from now? 1 year? 6 years? If you can do it then why can’t you do it today? Give yourself the peace of mind and start today. </p>]]></content:encoded> <wfw:commentRss>https://pjtycln.info/personal-finance-personal-budgeting-software/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Compositional Photography Tip – What Is Composition?</title> <link>https://pjtycln.info/compositional-photography-tip-what-is-composition</link> <comments>https://pjtycln.info/compositional-photography-tip-what-is-composition#comments</comments> <pubDate>Wed, 19 Apr 2023 12:24:44 +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://pjtycln.info/?p=102</guid> <description><![CDATA[Compositional Photography Tips #1 – Defining “Composition”…Composition is a scene formed with an artistic arrangement of various elements present in the scene.The objective of composition is to produce a very much pleasing visual result. Composition is vital to successful photography. Therefore, knowing the basics of composition will do you good.Compositional Photography Tips #2 – Positioning [...]]]></description> <content:encoded><![CDATA[<p> Compositional Photography Tips #1 – Defining “Composition”…Composition is a scene formed with an artistic arrangement of various elements present in the scene.The objective of composition is to produce a very much pleasing visual result. Composition is vital to successful photography. Therefore, knowing the basics of composition will do you good.Compositional Photography Tips #2 – Positioning the Various ElementsLook through your camera’s viewfinder. Are the elements in the scene positioned properly? If they aren’t you might want to try re-arranging the elements or find a better angle to ensure an interesting picture. Your goal here is to produce pictures that will capture people’s attention.Compositional Photography Tips #3 – Making Time for CompositionIt is common that one rushes and not spend enough time to consider and experiment composition. When this happens, the result of the picture often times look disproportionate and unplanned. Continue to make the effort to plan and position the elements in your camera’s viewfinder. It will become way easier once it has become a habit.Compositional Photography Tips #4 – Compositional RulesThere are a number of compositional rules that every photographer will want to follow. Why is it so? It is simply because these rules, when followed, will help you improve your photography. Nevertheless, try something else. Experiment and discover other photography tricks. That’s what I love to do.;DThere are 3 compositional rules to follow:<br />Rule-of-thirds<br />Foreground interest<br />Lead-in linesI will explain more on these 3 compositional rules very soon in the upcoming blog posts. Make sure that you subscribe to Canon Digital Photography Tips’ RSS Feeds for the update.Cheers to Canon Photography! </p>]]></content:encoded> <wfw:commentRss>https://pjtycln.info/compositional-photography-tip-what-is-composition/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Build Your Credibility Online Fast Through Personal Branding</title> <link>https://pjtycln.info/build-your-credibility-online-fast-through-personal-branding</link> <comments>https://pjtycln.info/build-your-credibility-online-fast-through-personal-branding#comments</comments> <pubDate>Sun, 02 Apr 2023 03:49:02 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[branding]]></category> <guid isPermaLink="false">http://pjtycln.info/?p=100</guid> <description><![CDATA[Creating your personal brand is a more effective and powerful way of promoting yourself or a business than any marketing and sales strategy. It is considered to be an effective way to eliminate your competition. By creating a personal brand identity you are able to influence others by making them associate feelings and perceptions with [...]]]></description> <content:encoded><![CDATA[<p> Creating your personal brand is a more effective and powerful way of promoting yourself or a business than any marketing and sales strategy. It is considered to be an effective way to eliminate your competition. By creating a personal brand identity you are able to influence others by making them associate feelings and perceptions with that particular brand identity. You have to remember, that in today’s very competitive world, branding is not for companies anymore. Personal branding is important if you are trying to sell your competencies and your skills in order for you to continue doing what you do best. It is said that personal branding is an essential key to anyone’s success. Not everyone is aware that all of us are personal brands and it is important to manage this effectively, consistently and strategically. You should be able to control the message that you want to send and how others see you. Traditional personal branding techniques rely on selling, promoting your self and becoming famous. Now, personal branding is actually more than just promoting yourself. You need to be perceived as authentic, real and a leader in your industry.The first thing that you need to do in personal branding is that you need to be able to define what your goals and ambitions are so that you will know where you want to take your personal brand. This is the most exciting and essential part of your personal branding online or offline. This is basically the starting point and the guiding principles of your brand. By figuring out were you want to take your brand, you will by able to figure out all the things that you need to actually create a successful brand. Also, in figuring out where you want to take your brand, you will be able to define what the values of the brand are and what it actually stands for. You will also be able to create a strategy that is based on what you are really good at and what you love to do.The next thing that you need to is to create and define your personal brand. This particular step involves creating and formulating a distinctive brand that is very persuasive and very memorable brand promise and you can use it to influence how you act and how you behave. You have to take time and write down what your mission and vision of the brand is which should be in harmony with your personal ambition is and to create a very compelling brand story in order to promote the brand that is actually based on you. You need to be able to analyze yourself so that you can figure out what it is that you really want to do and what kind of market that you want to target. Personal branding can take a lot of time so it is important that you do not rush it. How ever you brand yourself is how people are going to see you. </p>]]></content:encoded> <wfw:commentRss>https://pjtycln.info/build-your-credibility-online-fast-through-personal-branding/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Idyllic Family Luxury in the Bahamas</title> <link>https://pjtycln.info/idyllic-family-luxury-in-the-bahamas</link> <comments>https://pjtycln.info/idyllic-family-luxury-in-the-bahamas#comments</comments> <pubDate>Sat, 01 Apr 2023 23:58:20 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[family]]></category> <guid isPermaLink="false">http://pjtycln.info/?p=98</guid> <description><![CDATA[A Bahamas family vacation is the getaway that your family deserves. The Bahamas is located south-east of Miami and this dreamy archipelago provides a tropical paradise that is so close as a holiday destination to the North American mainland, that you can almost feel the warm tropical breeze brushing against your face. The Bahamas hosts [...]]]></description> <content:encoded><![CDATA[<p> A Bahamas family vacation is the getaway that your family deserves. The Bahamas is located south-east of Miami and this dreamy archipelago provides a tropical paradise that is so close as a holiday destination to the North American mainland, that you can almost feel the warm tropical breeze brushing against your face. The Bahamas hosts over seven hundred islands and whether you are looking for total peace and unchartered islands or a getaway in total comfort at a Bahamas family resort, these tropical islands will cater to your every need.Imagine crystal clear waters and golden sand as far as the eye can see. A Bahamas family vacation can turn this paradise dream into reality. There is no better getaway spot that offers the ultimate balance of luxury, entertainment, and tranquility for the whole family. It is one of the few places on earth where a tropical escape will provide family memories that will last a lifetime.There is unlimited fun for everyone in a Bahamas family vacation. Children both young and old will relish the majestic Sandy Cay, where you can experience unbelievable views and the famous stingray sanctuary. This location made famous by millions of Instagram pictures is even better to experience in reality. Also, the abundance of activities for the kids at Sandy Cay will mean they will simply love getting up close and personal with the magnificent, stingrays.Atlantis Paradise Island is an unforgettable experience, as you transform into an underwater world that offers endless entertainment and water activities for kids and the entire family. There is amazing shopping for teenagers and also plenty of white sand beaches where Mum and Dad can unwind away from the stresses of everyday life.A Bahamas family vacation also offers an idyllic setting where everyone can enjoy some of the best beaches in the world. Cable Beach, Cabbage Beach and Xanadu Beach are world famous locations where there are unlimited beach activities for kids, where they can frolic and play whilst the rest of the family can enjoy endless sunshine and soak in the surreal scenery and enjoy a cocktail or two at a Bahamas family resort as the sun sets over the horizon.The friendly staff at the Bahamas family resorts will happily arrange an assortment of aquatic activities for kids that the whole family can enjoy with professional and friendly local guides. Move amongst beautiful, colorful tropical fish, whilst snorkeling in waters that offer unrivaled clarity. Or experience the wind in your face by frolicking amongst the islands in a sailing excursion. Perhaps your young ones are keen on fishing? The Bahamas is one of the world’s most exotic locations where you can fish until your heart is content in the vastness of the North Atlantic Ocean in complete tranquility.A Bahamas family vacation is a once in a lifetime experience that you and your kids will never forget. It truly is a destination for everyone and caters to the needs of all family members. Feel the magic at a Bahamas family resort, where you can experience a tropical excursion like no other on earth. </p>]]></content:encoded> <wfw:commentRss>https://pjtycln.info/idyllic-family-luxury-in-the-bahamas/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Baby Boomers: Work Smart, Not Hard – Create Residual Income For Retirement</title> <link>https://pjtycln.info/baby-boomers-work-smart-not-hard-create-residual-income-for-retirement</link> <comments>https://pjtycln.info/baby-boomers-work-smart-not-hard-create-residual-income-for-retirement#comments</comments> <pubDate>Sat, 01 Apr 2023 13:22:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Baby Boomer]]></category> <guid isPermaLink="false">http://pjtycln.info/?p=96</guid> <description><![CDATA[Attention all you Baby Boomers out there, getting ready to retire! As you have probably figured out by now, retirement isn’t looking particularly rosy for most of you right now. How financially prepared are you as you face your own retirement? Were you relying on the equity in your house to get you through? Did [...]]]></description> <content:encoded><![CDATA[<p> Attention all you Baby Boomers out there, getting ready to retire! As you have probably figured out by now, retirement isn’t looking particularly rosy for most of you right now. How financially prepared are you as you face your own retirement? Were you relying on the equity in your house to get you through? Did you lose a small fortune from your 401K when the stock market tanked? You have worked hard all of your lives. Isn’t it now time for you to work smart during your retirement? Enjoy the retirement you have earned, but supplement your income to get the most out of your retirement. Baby Boomers: work smart, not hard-create residual income for your retirement.You’ve probably all read the statistics about Baby Boomers who are perched on the edge of retirement:Approximately 36 percent of Americans state they haven’t contributed anything to their retirement savings.<br />Because “traditional” pension plans have disappeared over the past 30 years, only about 15 percent of all Baby Boomers have a pension.<br />According to one study, approximately 30 percent of Baby Boomers in their 60′s have over 80 percent of their 401K funds in equities. How much money did your 401K lose when the stock market tanked?<br />25 percent of Baby Boomers have stated that they have put off or postponed their retirement plans.<br />35 percent of Americans who are already of the age of 65 are relying on Social Security payments as their sole “retirement plan.”These are some scary statistics, so it may be time to start thinking outside the box when it comes to your retirement. Many people are looking into careers after retirement to supplement the income they currently have. But, how hard to you want to work during your “retirement years?” Baby Boomers, it’s time for you to work smart, not hard and create residual income for your retirement. What is residual or “passive” income? Residual, or passive income is a type of income that once it is in place, requires no further input from the person receiving that income. For example, rental income and online advertising revenue are both types of residual income. Sounds like the classic example of how to work smart, not hard!Now that you know what residual income is, you can begin to create residual income for your retirement. So what are the options? Well, if you have the ability, you can invest in properties, and become a landlord. But, this takes a huge chunk of money, that you probably don’t have right now. Since you are retiring, you’re going to have some time on your hands, so maybe you can write a best-selling book and just live off the royalties, or more practically, you could learn how to make money online. The trend toward making money online has exploded for a reason. There is so much money to be made online if you just know how to create your own money machine! Internet marketing is a great way to accomplish this. Baby Boomers, if you want to work smart, not hard you need to create residual income for your retirement, and working online can help you do exactly this. </p>]]></content:encoded> <wfw:commentRss>https://pjtycln.info/baby-boomers-work-smart-not-hard-create-residual-income-for-retirement/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Find Property to Rent – 15 Ways for Tenants to Spot a Fake Landlord!</title> <link>https://pjtycln.info/find-property-to-rent-15-ways-for-tenants-to-spot-a-fake-landlord</link> <comments>https://pjtycln.info/find-property-to-rent-15-ways-for-tenants-to-spot-a-fake-landlord#comments</comments> <pubDate>Sat, 01 Apr 2023 02:01:33 +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://pjtycln.info/?p=93</guid> <description><![CDATA[Recent news reports of unscrupulous people taking over someone’s home and renting it out to either one or more tenants means that if you are a homeowner, a landlord or a tenant, you need to take precautions to avoid being scammed!If you are a prospective tenant hunting for a property, then it’s vital to follow [...]]]></description> <content:encoded><![CDATA[<p> Recent news reports of unscrupulous people taking over someone’s home and renting it out to either one or more tenants means that if you are a homeowner, a landlord or a tenant, you need to take precautions to avoid being scammed!If you are a prospective tenant hunting for a property, then it’s vital to follow our top 15 ways to spot a fake landlord BEFORE you hand over any money!To avoid having to ask these questions altogether, only rent from an ARLA or NALS registered letting agent that is also ideally a member of The Property Ombudsman Scheme. They are responsible for agents that have joined their organisations to abide by strict codes of conduct and this means that they are more likely to ensure a property is let legally, including ensuring the landlord owns the property and has, if required, the lender’s permission to rent it.Avoid a Fake Landlord BEFORE you view a property:-1. Check where the advert is from. If it’s from sites where landlord’s can advertise for free, or for less than 50, find out how the website vets the properties and landlords. If they do NO vetting be very cautious!2. Ask for the landlord’s full name and address and ideally a land line phone number. Be suspicious if they don’t give these details and only give an email address/mobile.3. Ask if the landlord is a member of any accreditation schemes eg NLA, RLA and/or a local authority scheme, check they are members.4. Confirm your appointment with them ideally on the land line number.5. For a small fee (around 4) check on-line at Land Registry that the landlord does own the property. Download the Title Register details which says who owns the property.How to SPOT a Fake Landlord when viewing a property:-6. Ask the landlord if you can see the Energy Performance Certificate. This is a document that tells you how much your utility bills will be (very important!) and is a legal requirement for most rental properties (except properties that aren’t let on a ‘self contained basis’, such as licensed HMOs and renting a room).7. When looking around the home ask what’s happened to the previous tenants and if you can have a reference from them.8. Ask to see the existing gas and any electrical safety certificates. If the previous tenants have just moved out, then the certificates should still be in date, or if they are just out of date, confirm with the gas/electricity company that they did the work for your landlord.9. Ask the landlord how much deposit they take, how it will be paid (eg cash/cheque/BACs) and which Tenancy Deposit Scheme it will be held in. It should be held in one of three schemes: My Deposits (custodial and safest scheme); Tenancy Dispute Service or My Deposits.(These are insurance schemes, so if your landlord/agent goes bust, runs off with the money as long as you have evidence it was paid to them you can get your money back.)Check on-line that they are a member of the scheme they say they are!10. Ask for a copy of the contract that you will need to sign on move in day, so you can get it checked beforehand.If the landlord can’t supply all or any of the paperwork mentioned above – DO NOT RENT FROM THEM!Avoid a Fake Landlord on Check in Day:-1. Never hand over any cash or wire the money until you have received the keys.2. Unless you are letting through a high street letting agent that is a member of NALS or ARLA (and the Property Ombudsman), don’t hand over your deposit unless you have actually gained access to the property.3. Make sure the landlord has done a full inventory. This is a document that lists all the things that are in the property and describes the quality of the decor. For example it might say ‘stain on the living room carpet, near the fireplace’ and ideally this statement would be backed up by a photograph. If there is no inventory, be very wary of renting the property without doing one yourself and taking lots of photos. If you don’t when it comes to asking for your deposit back, there might be a dispute as the landlord might take money off for a new carpet in the living room because of a stain that was there before you moved in!4. If there is no contract to sign and this contract has no mention of a tenancy deposit scheme where your deposit will be protected, do not sign! Check it with a specialist lettings legal company first.5. Check that the gas and electrical safety certificates are real and up to date.However much you ‘fall in love’ with a property, or however desperate you are to rent one, don’t cut the corners described above. If you do try to rent too quickly, you might miss that the place is freezing cold, despite having all the radiators on, a fake landlord might put you under pressure to secure the property via a deposit. </p>]]></content:encoded> <wfw:commentRss>https://pjtycln.info/find-property-to-rent-15-ways-for-tenants-to-spot-a-fake-landlord/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How To Know If Braided Cables Are The Best Option For Your Next Project</title> <link>https://pjtycln.info/how-to-know-if-braided-cables-are-the-best-option-for-your-next-project</link> <comments>https://pjtycln.info/how-to-know-if-braided-cables-are-the-best-option-for-your-next-project#comments</comments> <pubDate>Sun, 26 Mar 2023 15:09:21 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://pjtycln.info/?p=91</guid> <description><![CDATA[Anytime a project is spec’d out, there are a number of things have to be taken under consideration. While the type of project will dictate exactly what these ‘things’ are, if it’s an industrial or mechanical project, braided cables may indeed be something worth throwing in the mix as prospective supplies to be used. Cabling, [...]]]></description> <content:encoded><![CDATA[<p>Anytime a project is spec’d out, there are a number of things have to be taken under consideration. While the type of project will dictate exactly what these ‘things’ are, if it’s an industrial or mechanical project, braided cables may indeed be something worth throwing in the mix as prospective supplies to be used.<br />Cabling, wiring, and the whole of a project’s electrical system bears major consideration since it governs how everything operates. Whether it’s a simple ‘on/off’ switch or a complication actuation of some kind specifically designed for a particular application, making sure the right materials are used in the electrical system is crucial for success.</p><p>The type of cable a project will use is determined by a lot. It may seem a little silly, but there are times when the use of braided cables is credited to its visual impact. However, that would criminally undermine the exhaustive work that is done by design & engineering teams on the part of the client and the chosen cable manufacturing partner to design the ideal braided cable for a project application.</p><p>However, the question still remains — how does one know if braided cables are best for an upcoming project? There are a few things to keep in mind:</p><p>Durability – Depending on the stresses that cabling will experience during use, a durable, more hardy cable type might be the best option. Hence, the use of a braided cable might be the way to go as it certainly provides this sturdiness. That said, there are other cable options out there with varying levels of durability that may be be better solutions.</p><p>Environmental Concerns – Will the cabling you need for your project be exposed to extreme temperatures? Is there an excess of dirt, dust, and other grime? Braided cables can provide incredible protection against these environmental issues.</p><p>EMI/RFI Protection – Disruption of signal integrity and maintenance of electrical devices starts with understanding how best to protect against electromagnetic interference (EMI) and radio frequency interference (RFI). Braided cables are a solid choice in helping ward off these particularly disruptive disturbances.</p><p>Space Considerations – While braided cables can provide a measure of strength and durability, it may not be the best when it comes to saving space. For companies looking to get a combination of performance and functionality from their cabling, another choice may be more suitable.</p><p>Cost/Budget – The great equalizer in all project material orders, knowing how far one’s budget can go will make a difference in terms of whether braided cables may be affordable for a given project. Based on the application, there may be another solution that provides a more budget-friendly option.</p><p>In the end, whether it’s braided cables or any other material being considered for a project, the most important thing to consider is what the application will be. Moreover, it’s important to remember to plan for optimal functionality today and for the future. Planning a major project for the present-day makes little sense as the speed of technology pushes industries to constantly be ready to adapt to change at a moment’s notice.</p>]]></content:encoded> <wfw:commentRss>https://pjtycln.info/how-to-know-if-braided-cables-are-the-best-option-for-your-next-project/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>El Salvador Adopts BitCoin</title> <link>https://pjtycln.info/el-salvador-adopts-bitcoin</link> <comments>https://pjtycln.info/el-salvador-adopts-bitcoin#comments</comments> <pubDate>Sun, 26 Mar 2023 15:09:03 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://pjtycln.info/?p=88</guid> <description><![CDATA[El Salvador Adopts BitCoin copyright 2021, Steve Burgess El Salvador just passed a law to make BitCoin (BTC) legal tender and is the first country to do so. It did something similar back in 2001, when it made the US Dollar the official currency, replacing the Salvadoran Colón (named after Christopher Columbus), which had been [...]]]></description> <content:encoded><![CDATA[<p>El Salvador Adopts BitCoin copyright 2021, Steve Burgess<br />El Salvador just passed a law to make BitCoin (BTC) legal tender and is the first country to do so. It did something similar back in 2001, when it made the US Dollar the official currency, replacing the Salvadoran Colón (named after Christopher Columbus), which had been the official currency for more than a century.</p><p>What’s interesting is that the dollar was adopted because it was a stable currency. It was adopted in hopes of stabilizing El Salvador’s economy. While BitCoin is joining the dollar as legal currency, one would be hard-pressed to find a less stable financial platform. BTC is known for its wild fluctuations, although it also has had a dramatic upward climb in value during its just over a decade lifetime.</p><p>How did Salvadoran BTC adoption come about?</p><p>A few things came together. 70% of Salvadorans don’t use banks – whether through choice or through inaccessibility. Many in El Salvador get their income via remittances from family or friends in the US. In fact, 2.5 million Salvadorans live and work in the US and send $4.5 billion dollars in remittances to family and friends in the home country, but there are substantial fees and delays associated with getting that money home.</p><p>An essential part of the adoption story was born in El Zonte, a small Salvadoran tourist town. It was frequented by Mike Peterson, a surfer and owner of a small concessions business in San Diego, who spent considerable time in El Zonte with his family when his own business was in the off-season. An anonymous Bitcoin millionaire heard about charity work Peterson was doing in El Zonte and offered a gift of $100,000, paid in Bitcoin, for Peterson to distribute there.</p><p>Peterson worked with El Zonte locals to set up an organization called Bitcoin Beach in order to improve the financial fortunes of the locals while encouraging storekeepers, employers, and others there to accept Bitcoin as payment in this town that had never had a bank. Accessing a bank required a half day, but accessing an app on their phones was more or less immediate. Furthermore, an ATM was set up (again, the only one in town) that handles Bitcoin transactions.</p><p>Then came the Covid.</p><p>The country’s tourism industry collapsed and so did El Zonte’s local economy. Peterson started handing out about $35 to each of 500 of the town’s residents and won them over. Now about 90% of El Zonte’s inhabitants interact with BitCoin regularly.</p><p>El Salvador’s President Nayib Bukele, caught the BitCoin bug and found himself pushing his country’s legislature to pass a bill to make BitCoin a new coin of the realm – along with US dollars. A noteworthy line from the passed bill: “It is necessary to authorize the circulation of a digital currency whose value answers exclusively to free-market criteria, in order to increase national wealth for the benefit of the greatest number of inhabitants.”</p><p>By September, Salvadorans will be able use Bitcoin to buy goods and services from any Salvadoran business (with some exceptions for those that don’t have the capability) and to pay their taxes in Bitcoin.</p><p>Here we might wonder about the sustainability of a currency that requires so much power to generate. It’s estimated that the amount of electricity needed to generate one BitCoin is equivalent to about two months of the energy needs of the standard US household, or more than six months for a Salvadoran household. This in one of the first countries to establish recognition of natural forests as a living entity as a part of the Rights of Nature in El Salvador, signed by the country’s National Assembly.</p><p>Geothermal Power</p><p>Well, there’s an answer for that. President Bukele has announced the establishment of a clean geothermal power plant run by “100% clean, 100% renewable, 0 emissions energy from our volcanos.” Without burning coal or atoms, and without diverting rivers, the plan will be to establish BitCoin mining within the country run by the existing power of the Earth’s own heat generators.</p><p>While some are concerned that Bitcoin’s extreme volatility (you might say, volcanic) could dramatically harm El Salvador’s economy, Salvadoran lawmakers hope that this economic policy, along with cheap energy for cryptomining will attract investment and further provide previously unavailable financial resources for the 70% of Salvadorans who are unbanked.</p><p>Additionally, the design ought to facilitate remittances. Remittances provide about 20 percent of the country’s gross domestic product.</p><p>Because of Bitcoin’s ups and downs in value, President Bukele has announced that the country will provide a $150 million fund so that people can cash out their BTC for US dollars immediately. Some worry that will make El Salvador a safe haven for criminals hoping to launder their crypto there.</p><p>Chivo!</p><p>To promote the Salvadoran Bitcoin transformation, the government is setting up a Bitcoin digital wallet, called Chivo (“cool” in Salvadoran slang), with $30 for every Salvadoran citizen that uses it.</p><p>There are certainly some additional potential roadblocks, such as the fact that only about 45 percent of the population in El Salvador has internet access.</p><p>Will El Salvador overcome these potential problems to become a Bitcoin powerhouse. Will El Zonte be the birthplace of El Salvador successfully surfing a cryptocurrency wave, doing a 360 to a future that will pull many out of poverty? Or is it in for a rough ride, ultimately an economic wipeout? Time will tell.</p>]]></content:encoded> <wfw:commentRss>https://pjtycln.info/el-salvador-adopts-bitcoin/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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