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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>qilinafln.info</title> <atom:link href="http://qilinafln.info/feed" rel="self" type="application/rss+xml" /> <link>https://qilinafln.info</link> <description></description> <lastBuildDate>Sun, 18 Feb 2024 17:48:39 +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>Taking Care of Your Parents in Old Age</title> <link>https://qilinafln.info/taking-care-of-your-parents-in-old-age</link> <comments>https://qilinafln.info/taking-care-of-your-parents-in-old-age#comments</comments> <pubDate>Mon, 10 Apr 2023 12:13:07 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://qilinafln.info/?p=101</guid> <description><![CDATA[Caring for aging parents involves understanding their needs, ensuring their safety, and providing emotional support. Planning ahead is crucial. Unfortunately,Guest Posting old age is something that comes to us all, and watching your parents age can be really tough. You notice that they move a little slower, remember a little less, and don’t have the [...]]]></description> <content:encoded><![CDATA[<p>Caring for aging parents involves understanding their needs, ensuring their safety, and providing emotional support. Planning ahead is crucial.</p><p>Unfortunately,Guest Posting old age is something that comes to us all, and watching your parents age can be really tough. You notice that they move a little slower, remember a little less, and don’t have the same energy they used to. As their child(ren), you feel it’s your responsibility to take care of them; however, the whole concept can seem foreign. After all, they’ve looked after you for your whole life, and suddenly the tables have turned. For this reason, knowing how to take care of your parents in their old age can be tricky to navigate. You don’t want to patronize them, yet you don’t want them to feel unsupported, so what do you do?</p><p>Detailed below are just some of the ways to take care of your parents in their old age.</p><p>Ensure their home is safe, comfortable, and appropriate.<br />First things first, you need to ensure that their living space is safe, comfortable, and appropriate for their physical capabilities. As a result, caring for your parents may be a case of helping them downsize. A lot of elderly people enjoy the idea of residential parks. Not only are static homes smaller than traditional houses, but they also don’t have stairs, and they sit within a close-knit community with responsive site staff. As a result, residential parks are a great option for widowed people who might feel lonely. Similarly, having staff on-site consistently gives residents and their children peace of mind.</p><p>Encourage them to have a social life.<br />As previously mentioned, with old age can come loneliness, especially for widowed people. Therefore, a social life is incredibly valuable. Despite this, many elderly people have never gone out and actively socialized before, meaning they may not have the confidence to do so. Consequently, it’s the job of the child(ren) to encourage this socializing. From coffee mornings to book clubs, there are a number of ways that elderly people can get socializing. When we’re of working age, we socialize daily as we head off to work; however, this isn’t the case for retired people, making for lonely times.</p><p>Incorporate safety systems into their homes.<br />Falls become increasingly common with old age, and the biggest struggle tends to be getting up again. As a result, having safety systems in place is a good idea. For instance, if your parent is to fall, they can have some kind of alarm that they can activate, which notifies you of their need for help via your smartphone.</p><p>In addition to less stability, elderly people also often become more forgetful. This can lead to the likes of stoves and irons being left on, which is an obvious safety hazard. Therefore, alarms can be installed so that your parents are notified of an appliance being left on.</p><p>Fit safety modifications.<br />There are a number of safety modifications that can be made in an elderly person’s home. These include railings, grab bars, night lights, shower chairs, ramps, and more. Having a number of safety modifications installed will give everyone involved the peace of mind that they need. This is all achieved without your parent(s) having to sacrifice their independence, as they’re able to live safely without being monitored 24/7.</p><p>Don’t forget about their belongings.<br />If your parents do need to leave their own homes to live with you or in an assisted care facility, don’t leave their belongings behind. Moving homes, especially as an older adult, can be overwhelming. Therefore, you need to ensure they’re surrounded with familiarity to feel more comfortable in the space. This way, they won’t feel so much that something is being done “to” them.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://qilinafln.info/taking-care-of-your-parents-in-old-age/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Credit Repair Training Online to Start a Credit Repair Business</title> <link>https://qilinafln.info/credit-repair-training-online-to-start-a-credit-repair-business</link> <comments>https://qilinafln.info/credit-repair-training-online-to-start-a-credit-repair-business#comments</comments> <pubDate>Mon, 10 Apr 2023 12:12:54 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://qilinafln.info/?p=102</guid> <description><![CDATA[We’ll explore everything you need to know about credit repair business training, including what it entails, how to become a credit consultant, and why it’s a smart investment for your future. By the end of this article, you’ll have a clear understanding of how to start your own credit repair business and the steps you [...]]]></description> <content:encoded><![CDATA[<p>We’ll explore everything you need to know about credit repair business training, including what it entails, how to become a credit consultant, and why it’s a smart investment for your future. By the end of this article, you’ll have a clear understanding of how to start your own credit repair business and the steps you need to take to become a successful credit repair specialist.</p><p>Do you have a passion for helping others and a desire to start your own business? Are you looking for a flexible and rewarding career that can be done from the comfort of your own home? If so,Guest Posting then starting a credit repair business may be the perfect opportunity for you. And the good news is that credit repair training online is available to help you get started.</p><p>In this article, we’ll explore everything you need to know about credit repair business training, including what it entails, how to become a credit consultant, and why it’s a smart investment for your future. By the end of this article, you’ll have a clear understanding of how to start your own credit repair business and the steps you need to take to become a successful credit repair specialist.</p><p>What is Credit Repair Business Training, and Why is It Important?<br />Credit repair business training is a program that teaches you the ins and outs of credit repair, including how to help clients dispute inaccurate information on their credit reports, negotiate with creditors, and improve their credit scores. By taking credit repair classes, you’ll gain the knowledge and skills you need to start your own credit repair business and help clients achieve their financial goals.</p><p>But why is credit repair training important? For starters, credit repair is a complex and ever-changing field, with new laws and regulations constantly being introduced. By completing credit repair training, you’ll stay up-to-date on the latest industry developments and be better equipped to serve your clients.</p><p>Additionally, credit repair training can help you avoid common mistakes and pitfalls that new credit repair specialists often encounter. By learning from experienced professionals, you can start your business on the right foot and avoid costly mistakes that could harm your reputation and bottom line.</p><p>How to Become a Credit Consultant<br />Becoming a credit consultant involves several steps, including obtaining the necessary education and training, registering your business, and building a client base. Let’s explore each of these steps in more detail.</p><p>Obtain education and training </p><p>The first step to becoming a credit consultant is to obtain the necessary education and training. This can be done through credit repair classes offered online or in-person. Look for programs that cover the basics of credit repair, including credit reports, credit scores, and dispute processes.</p><p>Register your business </p><p>Once you’ve completed your credit repair training, you’ll need to register your business with your state’s Secretary of State office. You may also need to obtain a business license and tax ID number. Check with your local government to see what specific requirements apply to your business.</p><p>Build a client base Building a client base is essential to the success of your credit repair business. Start by reaching out to family and friends and asking for referrals. You can also advertise your services online through social media, online directories, and search engines.</p><p>Why Starting a Credit Repair Business is a Smart Investment<br />Starting a credit repair business can be a smart investment for several reasons. First and foremost, there is a growing demand for credit repair services, as more and more consumers struggle with debt and credit issues. According to a recent survey by the National Foundation for Credit Counseling, 1 in 3 Americans have delinquent debt that is currently in collections.</p><p>Second, starting a credit repair business allows you to be your own boss and work from the comfort of your own home. This can provide a level of flexibility and freedom that traditional 9-to-5 jobs can’t match.</p><p>Third, Social impact: Helping clients improve their credit scores and achieve financial stability can have a significant social impact. By offering credit repair services, you can contribute to improving the financial health and well-being of individuals and businesses in your community.</p><p>How to Find a Credit Repair Specialist Near Me<br />If you’re looking for a credit repair specialist near you, there are several resources you can use. One of the best places to start is with a simple online search and you’ll likely find a list of local credit repair companies and individual specialists in your area.</p><p>Another option is to ask for referrals from friends, family, or colleagues who may have used the services of a credit repair specialist in the past. Personal recommendations can be a valuable resource, as you can trust the opinions and experiences of those you know and trust.</p><p>Tips for Starting a Successful Credit Repair Business<br />Starting a successful credit repair business takes time, effort, and dedication. But with the right approach and mindset, you can build a thriving business that helps clients achieve their financial goals. Here are some tips to help you get started:</p><p>Focus on building trust and credibility with your clients. Credit repair is a sensitive issue for many people, and they need to feel confident that you have their best interests at heart.<br />Develop a comprehensive marketing strategy that includes both online and offline tactics. Consider using social media, email marketing, direct mail, and advertising to reach potential clients.<br />Stay up-to-date on the latest industry developments, including changes to laws and regulations that may impact your business. Join professional organizations and attend industry events to stay connected with other credit repair specialists.<br />Be prepared to invest time into building your business. Starting a credit repair business is not a get-rich-quick scheme, and it may take several months or even years to build a successful practice.<br />Get Your Free step-by-step credit repair business training today.<br />If you’re ready to start your own credit repair business and Become a credit repair specialist, Client Dispute Manager can help. Our comprehensive credit repair business training program provides everything you need to get started, including step-by-step guidance on how to set up your business, attract clients, and deliver effective credit repair services.</p><p>Our training program is designed for both beginners and experienced credit repair specialists and covers everything from the basics of credit repair to advanced dispute tactics and negotiation strategies. Plus, our program is available entirely online, making it easy and convenient for you to learn at your own pace and on your own schedule.</p>]]></content:encoded> <wfw:commentRss>https://qilinafln.info/credit-repair-training-online-to-start-a-credit-repair-business/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Knowing the Difference Types of Hosting – Cheapest VPS Hosting</title> <link>https://qilinafln.info/knowing-the-difference-types-of-hosting-%e2%80%93-cheapest-vps-hosting</link> <comments>https://qilinafln.info/knowing-the-difference-types-of-hosting-%e2%80%93-cheapest-vps-hosting#comments</comments> <pubDate>Mon, 10 Apr 2023 12:12:42 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://qilinafln.info/?p=103</guid> <description><![CDATA[One of the significant benefits of choosing a hosting is that the company will take care of your site’s installation. This means you can concentrate on growing your business. This also means that you don’t have to deal with technical issues. You need to know about how does hosting work, and the difference types of [...]]]></description> <content:encoded><![CDATA[<p>One of the significant benefits of choosing a hosting is that the company will take care of your site’s installation. This means you can concentrate on growing your business. This also means that you don’t have to deal with technical issues. You need to know about how does hosting work, and the difference types of it.</p><p>Get more bang for the buck with a quick list of top ten cheapest VPS hosting services. VPS (Virtual Private Servers) hosting is basically where your website gets hosted on a virtual private server (a server that acts as if it is a dedicated server) but is shared by multiple users.</p><p>Because of this,Guest Posting the overall cost of VPS hosting tends to be lower than dedicated servers. However, if you plan on using various users, then VPS hosting may be best. Here are some tips to help you find the cheapest VPS hosting that offers you enough bandwidth and space to comfortably use your website.</p><p>First, you need to look at the price that the hosting company offers you for the cheapest VPS. The best way to find this information is to contact them directly and ask them for it. You will also get a full breakdown of what the hosting package is all about and how much money you would pay for each month. If you can find a company that offers to host packages with monthly fees that are less than one month, then do so.</p><p>Look for packages that include features that allow you to manage your site more efficiently. You will also want a hosting company that offers affordable prices on their services. Since many companies are competing for your business, it is essential that they offer affordable packages and don’t try and overcharge you for their services.</p><p>Once you know the cheapest VPS hosting that’s right for you, then all you have to do is go to their websites and sign up. With a little work and research, you should be able to find a good company.</p><p>What is web hosting?</p><p>It is the act of providing your website with access to the Internet. A web hosting service is a form of Internet service that lets companies and individuals create their website and give people access to their site through the Internet. This is typically done through either a file server and a router or a web host server and a web host software.</p><p>Many companies provide you with Internet access, but some offer the same features offered by larger companies. Some provide email services, file sharing, and chat. They also offer email and file-sharing services. The main difference is that these companies don’t provide the customer with direct Internet access; instead, they allow other individuals to connect directly to their websites. Some offer an online chat room for chatting and sharing files. Many have built-in email servers and enable customers to use free email accounts.</p><p>A hosting company will usually handle these for you and ensure that your site is up and running whenever you want it to be. You will also be advised on how to use a basic HTML editor. This means you can make changes to your site’s look and feel without having to learn any programming language.</p><p>How does hosting work?</p><p>There are many different ways that web hosting can be used to help you make money. The most common way is to sell advertising space. Many web hosts provide their customers with a large area on their servers in which to place banners or other forms of advertising that will pay them for each ad they have put on their site.</p><p>These ads often take up some of the space, but they are usually small enough to fit on your own page. If you can get the best hosting package that includes a large amount of space for advertising purposes, this is probably the best way to go.</p><p>Another popular way people use web hosting is to set up a blog and sell advertising space to advertisers. While this method is not as standard as advertising on a web page, it is very useful. To do this, you need to understand how web hosting works.</p><p>You need to know how you can create a website that can make money by selling ads. This can be very easy, and it can also be very easy for someone to run a blog that will get the most traffic and therefore make the most money with their advertising.</p><p>Are there different types of hosting services?</p><p>There are many different types of web hosting services. If you need a web server and hosting plan for your website, then it’s important to understand what they are, why they are different, and what their advantages are.</p><p>You can also find out what they do not offer if you decide to go with a different type. Many people don’t realize the extent of these hosting services until they need them, and the problem is that many of us do not have time to know what they do and how they work, so we get the wrong product.</p><p>First, you should understand the differences between the different types of hosting services so you can determine which one is right for you. There are two primary types of hosting services: free service and the paid service.</p><p>The free service has many limitations on what it allows its users to do, but if you want to put some things on your website that you cannot put anywhere else, then this may be a good option. The paid service will give you the best possible hosting plan because it allows you to do whatever you need to do with your website. This includes putting up your own website if you like or using third-party programs that you can use.</p><p>Next, let’s look at the benefits of each type of hosting and the difference in these services. The free web hosting services have many limitations on what it allows its users to do. Most of the free web hosts only allow you to upload HTML files and change your page headers and meta-data.</p><p>In other words, they will not allow you to write or publish anything else. On the other hand, a paid web host gives you the ability to put your website on a website without any restrictions. This can be very beneficial if you want to add content to your website to make it unique.</p>]]></content:encoded> <wfw:commentRss>https://qilinafln.info/knowing-the-difference-types-of-hosting-%e2%80%93-cheapest-vps-hosting/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Home Affordable Foreclosure Alternatives Short Sale Program</title> <link>https://qilinafln.info/home-affordable-foreclosure-alternatives-short-sale-program</link> <comments>https://qilinafln.info/home-affordable-foreclosure-alternatives-short-sale-program#comments</comments> <pubDate>Sun, 02 Apr 2023 03:56:02 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Sales]]></category> <guid isPermaLink="false">http://qilinafln.info/?p=97</guid> <description><![CDATA[Home Affordable Foreclosure Alternatives ProgramWhat does a HAFA short sale do? The HAFA short sale program helps homeowners work with their mortgage servicer to successfully complete a short sale. Post short sale, the homeowner is released of all remaining debt and obligations and is eligible for up to $3000 for relocation assistance. Who is eligible/qualified [...]]]></description> <content:encoded><![CDATA[<p> Home Affordable Foreclosure Alternatives ProgramWhat does a HAFA short sale do? The HAFA short sale program helps homeowners work with their mortgage servicer to successfully complete a short sale. Post short sale, the homeowner is released of all remaining debt and obligations and is eligible for up to $3000 for relocation assistance. Who is eligible/qualified for the HAFA program?</p><p> Homeowner must’ve exhausted all options for a loan modification(HAMP) and must request either a short sale or a DIL of foreclosure.</p><p> The property must be the homeowner’s primary residence or if rented out, it cannot be more than 12 months’ time. Exemptions: Job move >100 miles, not purchased another home within previous 90 days, vacant up to 90 days prior to SSA(Short sale agreement) or Alt RASS(Request Approval Short Sale)</p><p> The first lien mortgage must have originated on or before 01/01/09.</p><p> The mortgage payments must be at least 60 days delinquent or in default.</p><p> The UPB cannot be more than $729,750 for a 1 unit property. There are higher exemptions for 2-4 unit properties but no properties with more than 4 units are allowed.</p><p> The monthly mortgage payments must exceed 31% of the borrower’s gross monthly income (no verification required but need to show hardship).<br />HAFA Timeline</p><p> Bank has 30 days to approve or deny the HAMP loan modification; the borrower can reject the HAMP and proceed with a short sale.</p><p> Seller and broker respond to a short sale agreement within 14 days.</p><p> Seller submits short sale package to lender.</p><p> Bank orders appraisals and determines minimum short sale price.</p><p> Realtor markets the property and has 120 days to sell.</p><p> Realtor must submit short sale offer to bank in 3 days.</p><p> Lender response to RASS (request to approve a short sale) in 10 days (approved or not).</p><p> Short Sale buyer has a minimum of 45 days to close the short sale.<br />Let’s observe some of the points in the HAFA timeline abovePoint 2, we see the borrower has 14 days to accept a Short Sale Agreement (SSA). -A SSA is a contract between the homeowner and servicer -that will include:</p><p> A list price pre-approved by the servicer</p><p> The length of time the property will be marketed for sale</p><p> An agreement releasing the homeowner from all future liability after the property is sold</p><p> The amount of the monthly mortgage payment, if any, that the borrower will be required to pay during the term of the SSA</p><p> Information about the $3000 relocation assistance after closing</p><p> An agreement that so long the borrower performs in accordance with the terms of the SSA, the servicer will not complete a foreclosure sale.<br />-For the homeowner to accept this offer, they must complete the following tasks:</p><p> Please sign and return this Agreement. All owners of the property must sign this Agreement.</p><p> Obtain your broker’s signature to acknowledge this Agreement, because your broker plays an important role on selling your property. The Short Sale Program sections (pages 2-4) contain important information that you and your broker will need to review and discuss.</p><p> Include a copy of your signed listing agreement.</p><p> Include information on other liens secured by your home (such as home equity loans, homeowner association liens, tax liens or judgments).</p><p> [Insert only if applicable:] Complete and sign the Hardship Affidavit form.<br />We must have these documents by [insert date 14 calendar days from this request]. Please send us these documents at the following address: [insert servicer address]. Point 4, Bank order’s an appraisal (BPO – Broker Price Opinion) -BPO must be:</p><p> Based on an interior and exterior inspection</p><p> Dated within 90 calendar days of the date the lender/servicer signed the initial SSA with the homeowner.</p><p> Performed by a vendor approved by the lender/servicer.<br />Point 6, (Within the 120 days) after the receipt of an executed sales offer, within 3 business days the borrower or the borrower’s listing agent must return a completed RASS or Alternative RASS with supporting documentation to the lender/servicer. -These Supporting documents include:</p><p> A copy of the executed sales contract and all addenda</p><p> A copy of the listing agreement, if any and if not previously provided</p><p> All information regarding the status of other liens</p><p> Buyer’s documentation of funds or buyer’s pre-approval or commitment letter with no contingencies other than a satisfactory appraisal and/or property inspection<br />Point 7, Important: The bank has 10 days to accept or reject the short sale submission (which is excellent!)In the case of an Approval </p><p> There would be a full release of all liens: 1st – No prom notes and full release of deficiency verbiage. The subordinate liens may be compensated until the $6000 aggregate cap is reached. They must release the borrower from all claims in exchange of receiving the agreed upon amount. They MAY NOT require contributions from the agent or borrower.</p><p> Real estate Commissions are protected from the Home Affordable Servicing Manual: 6% of the sales price maximum.</p><p> Closing – Before the conveyance of the title, the servicer must confirm that the escrow closer has received evidence of all lien releases and agreements from both 1st and all subordinate lien holders.</p><p> Seller incentives – The seller is entitled a payment of up to $3000 for relocation expenses. This amount must show on the HUD-1 settlement statement. The lender/servicer cannot use the HAFA seller incentives to obtain the release of junior liens or non-real estate title liens<br />Can the servicer terminate the SSA before the expiration date? YESunder any of these circumstances: “The borrower…</p><p> Improves his/her financial situation</p><p> Qualifies for a modification</p><p> Brings the account current or pays the mortgage in full</p><p> Fails to make the monthly payment stipulated in the SSA (if applicable)</p><p> Files for bankruptcy and the bankruptcy court declines to approve the SSA</p><p> The borrower’slisting broker fails to act in good faith or abide by the terms of the SSA</p><p> A significant change occurs to the property condition and/or value</p><p> There is evidence of fraud or misrepresentation</p><p> Litigation is initiated or threatened.<br />*This is a condensed form and guide of the HAFA process What are the pros and cons of executing a HAFA short sale?Pros:</p><p> The homeowner would have full release of liability on the first mortgage and subordinate loans. No cash, no prom note, no deficiency judgment allowed, and ultimately, no liability after the short sale.</p><p> The lenders will provide a pre-approved price on the short sale prior to marketing. This eliminates the long wait of a typical short sale for an approval from the bank.</p><p> Homeowners will receive $3000 in relocation assistance upon closing.</p><p> Homeowners would have immunity from foreclosure as long as they are in accordance with the SSA terms.</p><p> Timeline – A HAFA short sale process has a shortened timeline after the receipt of a contract.<br />Cons:</p><p> Required deed in lieu in the event that the home does not sell within the 120 day time period (some exceptions apply)</p><p> If the second lien holders do not comply with the short payoff, then the HAFA program will fall through.</p><p> Must have a clear title to the property.</p><p> May be asked to continue making mortgage payments, but not more than 31% of their gross income.</p><p> Must be an arm’s length transaction.</p><p> The seller may have to pay taxes on the debt forgiven and the relocation allowance.</p><p> Report to credit bureaus that the mortgage was settled for less than the full payment (typical of any short sale)</p>]]></content:encoded> <wfw:commentRss>https://qilinafln.info/home-affordable-foreclosure-alternatives-short-sale-program/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Exploring The Modern Art Community</title> <link>https://qilinafln.info/exploring-the-modern-art-community</link> <comments>https://qilinafln.info/exploring-the-modern-art-community#comments</comments> <pubDate>Sun, 02 Apr 2023 00:06:48 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[BodyartTattoo]]></category> <guid isPermaLink="false">http://qilinafln.info/?p=95</guid> <description><![CDATA[The cultural arts community is made up of many kinds of artists and of people that have only their talent for knowing great art and artists when they see it. Photography has been an art form since the introduction of the camera and today, you can find images from talented photographers everywhere. The internet, magazines [...]]]></description> <content:encoded><![CDATA[<p> The cultural arts community is made up of many kinds of artists and of people that have only their talent for knowing great art and artists when they see it. Photography has been an art form since the introduction of the camera and today, you can find images from talented photographers everywhere. The internet, magazines and newspapers are only a few of the platforms used by photographers. Art galleries and museums around the globe include photographic images to some of their finest collections as well.Sculpting can be done in many ways, some of them unusual and alluring to the eye. Sculptors have been known to use various materials for producing art forms that can be tiny to the ones that are larger than a vehicle. Sculptors have been a part of the art community for thousands of years and have certainly made an indelible mark upon many art lovers both old and young. Sculptors have the talent to create three dimensional art works that can go beyond the traditional decoration.Many artists, some of which are included in many museums around the world, simply sketch with a pencil. Sketchers are spontaneous artists and like to know they can capture an image or scene right on the spot no matter where they may be. These are the artists you might see carrying a satchel filled with pencils and a plain sketch book. Leonardo DaVinci was one of the greatest sketching artists in history.Dancers and performers make up a huge part of the art world. Playwrights and stage players have been around for a long time and have always been a distinct group. Consider the importance of Broadway to the city of New York. Without the dedication of dancers and talented choreographers, Broadway may have never become what it is today. Certainly the actors and actresses that have performed on stage can appreciate this kind of ambitious love of the arts and cultural scene.Most everyone thinks about an artist as someone with a palette, paintbrush and a canvas. The number of people involved in this form of art are many and some have been in history for hundreds of years. However, one important aspect of famous painters becoming famous is the people in the art lovers community caring about them.The museums all over the world are made up of a special breed of art lovers, taking time to dedicate time and money to the preservation and display of great art forms. Without these people in communities around the globe, the art forms most everyone is familiar today may not be so familiar after all.Art and culture go hand in hand when it comes to diversity and tastes. The person visiting a small town out of their home country can learn a great deal from chatting with the people that are in the business of preserving art and cultural history surrounding it. Many of the most famous attractions in major cities are created and dedicated by the people that love art. Visiting a town or country has included visiting art filled attraction that would not be there if not for the people that have dedicated their lives to the art community. </p>]]></content:encoded> <wfw:commentRss>https://qilinafln.info/exploring-the-modern-art-community/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Summer Educational Ideas for Parents to Bridge the Achievement Gap</title> <link>https://qilinafln.info/summer-educational-ideas-for-parents-to-bridge-the-achievement-gap</link> <comments>https://qilinafln.info/summer-educational-ideas-for-parents-to-bridge-the-achievement-gap#comments</comments> <pubDate>Sat, 01 Apr 2023 13:30:33 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Early Childhood Education]]></category> <guid isPermaLink="false">http://qilinafln.info/?p=93</guid> <description><![CDATA[One thing that I find troubling is the lack of access that is afforded to many parents with regards to educating their children. An ability to speak more than one language, a defined curriculum of math and science, as well as, an understanding of the workings of the world outside of American shores will give [...]]]></description> <content:encoded><![CDATA[<p> One thing that I find troubling is the lack of access that is afforded to many parents with regards to educating their children. An ability to speak more than one language, a defined curriculum of math and science, as well as, an understanding of the workings of the world outside of American shores will give our children an advantage in the world that they will inherit as adults. Is this a secret to anyone? When we compare the idea-learning curriculum to the curriculum offered in many public schools, we can see a drastic difference. If you are reading this and wondering if I am bashing teachers or public schools then let me assure you, I am not. I am a former public school teacher and have worked in urban as well as suburban public schools in both New Jersey and Maryland. I am also a mother of four children.My son attended private school and for a time was home schooled. My two oldest daughters are both in public school. And as I child, I attended both Catholic school, and public school. The fact of the matter is the educational gap between the idea curriculum, and the general curriculum offered to our students, which on a large part is based on socioeconomic status. Many working parents simply cannot afford the language immersion classes, robotics training, or early chemist programs that are being offered in more affluent school districts. The solution cannot be a simple bashing secession, but a plural marriage between policy makers, teachers, and parents for the best practices for all American children. Until that agenda is realized and acted upon, the question for parents become what can I do now to bridge the gap. With summer, being just around the corner the ground is fertile to put plan to action with your child. With awareness, patience and a little ingenuity you can begin to incorporate the missing elements; thereby adding depth to your child’s education. Until, the country as a whole get together and decide that all children deserve the highest education possible we as parents must do our best to link the missing pieces. So if you are asking, “What are we going to do”, then read the Three S’s below.Start Small<br />Retrieve all of the class work, homework, tests and quizzes that your child completed throughout the course of the year. Have them re-do each assignment and practice each skill being addressed. Practice makes perfect, and repetition solidifies learning making each level of advancement easier to master as your child progresses.<br />Get a copy of the curriculum from your child’s classroom teacher or from the board of education. Most boards list the standards or skills covered by grade level on their website. Identify and review deficit areas.<br />Ask teacher for summer work or activities to reinforce skills. The purpose of this is not to lose learning skills while on vacation.Steer Ahead<br />Obtain a copy of high achieving private school and/or public school curriculums. Identify gaps between your child’s curriculum and those from the high achieving more affluent school districts.<br />Explore learned academic concepts and find relevance in your child’s everyday life. Math is used consistently in our lives For example, fractions in the kitchen when baking cookies, to algebra when calculating distance and time to grandma’s house.<br />Hire an older student within your own community to work with your child on particular subject content areas. Children have a way of communicating, that is unique to their generation and in some instances, may be able to teach academic skills in a way that is effective and easily understood. In doing so, your child not only gets a few extra skills under their belt, but a chance to see a positive model which reinforces the idea of, “If this person can do this, then so can I”.Soar High<br />Make use of the skills and talent within your community. Is there a songwriter, visual artist, or author in the neighborhood? What skills do you posses? Are you good at writing poems or stories? Are you able to sew or enjoy making fragrant soaps in your spare time? Coming together as a community to share skills and talents with the youth follows the adage; it takes a village to raise a child. In the process, our children develop skills beyond learning the ABC’s of traditional schooling. And we begin to not only shape their minds but moral values as well.<br />Research colleges within your city to identify continuing educational courses offered to young children during the summer vacation. There are many programs to supplement the general educational model. Find one that compliments the personality and ambitions of your child. The costs vary and it is very likely that you will find a course that is affordable and beneficial.<br />Take advantage of the summer months by exposing your child to different cultures. Visit neighborhoods with different ethnic groups than your own. If your primary mode of transportation is by car, venture out on a Saturday using public transportation. Go to cultural events or visit online websites that show the diversity in the world. These early glimpses of the world outside of a child’s everyday environment is a great first step at improving your child’s cultural intelligence, and can lead to him or her becoming more compassionate towards children of different ethnicities and/or children with special needs. </p>]]></content:encoded> <wfw:commentRss>https://qilinafln.info/summer-educational-ideas-for-parents-to-bridge-the-achievement-gap/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What Are “the Three T’s” of Property Investment and How Do They Make You Money?</title> <link>https://qilinafln.info/what-are-the-three-ts-of-property-investment-and-how-do-they-make-you-money</link> <comments>https://qilinafln.info/what-are-the-three-ts-of-property-investment-and-how-do-they-make-you-money#comments</comments> <pubDate>Sat, 01 Apr 2023 02:06:21 +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://qilinafln.info/?p=90</guid> <description><![CDATA[The novice property investor will read up on all the best things to look for in an investment property, but rarely will the literature they read cover any of the truly crucial factors which need to be either identified or utilised before settling on the best property to purchase.Regardless of the type of property you [...]]]></description> <content:encoded><![CDATA[<p> The novice property investor will read up on all the best things to look for in an investment property, but rarely will the literature they read cover any of the truly crucial factors which need to be either identified or utilised before settling on the best property to purchase.Regardless of the type of property you decide to buy, be absolutely certain to give due respect and time to the astute use of “The 3 T’s”.What are the 3 T’s? They are the Tenant, the Taxman and Time, and should you neglect any one of them you stand to potentially lose a large portion of the returns you may have initially THOUGHT you were going to receive.O.K., everyone understands that you need a tenant to pay rent which helps you service any borrowings you may have needed to purchase the property in the first place. The important thing to remember in regard to tenants is NEVER to get greedy with the amount of rent you ask for the property. The logic here is this:- if you keep the rent well within market parameters, you will have many more prospective tenants wanting to live in your investment property and therefore have a much greater chance of acquiring a first class tenant who will tend to stay longer due to the “reasonable” rent being asked.I learnt many years ago from an extremely experienced and knowledgeable property manager that if you ask a bit less than market for your rent you will usually have a top class tenant who will maintain the property impeccably and hence add value to your property. This particular property manager said an overall 30% increase in return could be expected due to very little property maintenance being expected and also due to the property always being presented in a first class condition, thereby maintaining the property’s value over and above the average market increase.The Taxman is an entity which is rarely utilised to it’s highest and best use. Most novice investors will simply wait until the end of the financial year and let their tax agent or accountant crunch the numbers and claim only what you tell him/her what you have spent on the property by way of maintenance and interest on borrowings.One of the best things you can ever do to increase the returns from your investment property portfolio is to have a depreciation report completed by a qualified and competent construction cost expert or quantity surveyor. The initial cost will be returned many times over throughout the course of your property ownership. ESSENTIAL!The last of “the 3 T’s” is Time!I’m going to tell you something for nothing right here and I want you to “jack-hammer” it into your brain so you never forget it.Time is the factor which will return you the most and cost you the least! Now repeat after me…”time is the factor which will return you the most and cost you the least”. Well Done!So what does this then say to you? It says the sooner you begin to invest in property and the longer you hold your portfolio, the more income and capital growth you are going to make. Simple.So enter the arena now and buy as many properties as you can, while you can! </p>]]></content:encoded> <wfw:commentRss>https://qilinafln.info/what-are-the-three-ts-of-property-investment-and-how-do-they-make-you-money/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Six Questions to Ask Yourself Before You Hire a Property Manager</title> <link>https://qilinafln.info/six-questions-to-ask-yourself-before-you-hire-a-property-manager</link> <comments>https://qilinafln.info/six-questions-to-ask-yourself-before-you-hire-a-property-manager#comments</comments> <pubDate>Tue, 21 Mar 2023 15:24:24 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Entertainment]]></category> <guid isPermaLink="false">http://qilinafln.info/?p=88</guid> <description><![CDATA[Being a landlord can be an agonizing and very rewarding business. I have been a landlord for over 14 years and currently have 55 rental units. I happen to love it, but it is not all roses all the time. Surprisingly, being a landlord is not that tough and you can manage many units without [...]]]></description> <content:encoded><![CDATA[<p> Being a landlord can be an agonizing and very rewarding business. I have been a landlord for over 14 years and currently have 55 rental units. I happen to love it, but it is not all roses all the time. Surprisingly, being a landlord is not that tough and you can manage many units without a lot of work, but you have to have your business set up correctly. You can scale your landlord business with or without professional property management. I happen to think property managers are expensive for what they do, but I also understand the tremendous value they can bring. There are many different reasons you should consider using a property manager, but before you make that decision consider these 6 questions:Where are your properties located? I have tried long distance management and can tell you it is tough. For it to work, you need great systems in place, which is not easy to set up when you are not on the ground. You will also most likely be relying, at least to some extent, on other people who are not licensed to do what you need them to do. This could include anything from signing a lease, to collecting rent, to fixing a faucet. In my business, I feel it is worth the money to hire property managers to manage all my out of state properties.How many properties do you have?You can manage a lot of properties with just a few hours of work a month. I manage all my in state properties myself because it is easy to do and is not worth it to me to pay someone else to do it. In fact, when you are getting started, I would strongly encourage you to manage your own properties. This will help you gain valuable experience, even if you want to eventually turn them over to a manger. To manage multiple properties, you need good systems. This includes a team to do your handy work (basic handyman, plumber, electrician, appliance repair, etc.) Obviously, this is all outsourced so you don’t need employees for this to work. You also need a great leasing agent. A leasing agent is someone who will typically give you advice on what needs to be done to get a unit ready and they will market, show, and negotiate your property. You can have them do the lease signing too, although I would recommend you do that so you get a chance to meet the tenant. Other systems you will need to implement include; rent collection, evictions, move ins and outs, maintenance requests, property improvements, enforcing the lease, transferring utilities, etc. I would consider a manager if I got so many properties that I felt overwhelmed, and in this case I would hand select properties to turn over.Are you organized?Here is where you have to be honest with yourself, which is not always easy to do. To manage multiple properties you really do need to be organized. You will have payments coming in for rent and going out for maintenance, mortgages, utilities and more. You will be getting maintenance requests, requests to add or remove people from the lease, request from government agencies, and requests from a slew of others. If you cannot stay on top of this, it is time to hire some professional help.Do you have a problem property?These are the worst and you won’t know you bought one until after you own it for a while. I have a few that give me trouble. Although I still manage them myself, those few problem properties take up more of my time than everything else I have combined. This is one time that I would consider a manager for a local property.Can you afford it?As I mentioned, property management can be expensive. You should expect to pay ½ or more of the first month’s rent in a leasing fee, 6-10 percent of the gross rent amount in a management fee, and additional costs for maintenance (this is usually marked up). I would try to look at this as if the property can afford it, not you. You really don’t want to get into the habit of feeding your investments, so if there is not enough cash flow from the property, then you might consider managing it yourself until you can get your expenses down or your rents up.Do you have the time?Because it only takes a handful of hours a month, my guess is you do have the time. The real question is, do you want to be managing the property with that time? As you get older and your goals change, it might make since to start to step away from your landlord business. Retiring is the obvious example. At that point in your life, you will most likely be deciding between professional management and liquidation. </p>]]></content:encoded> <wfw:commentRss>https://qilinafln.info/six-questions-to-ask-yourself-before-you-hire-a-property-manager/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>General Property Issues Related to Divorce and Family Law in California.</title> <link>https://qilinafln.info/general-property-issues-related-to-divorce-and-family-law-in-california</link> <comments>https://qilinafln.info/general-property-issues-related-to-divorce-and-family-law-in-california#comments</comments> <pubDate>Tue, 21 Mar 2023 14:26:23 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Entertainment]]></category> <guid isPermaLink="false">http://qilinafln.info/?p=86</guid> <description><![CDATA[Community PropertyCalifornia is a community property state. All property that is purchased or acquired during marriage, or transmuted (converted) to community property during marriage is community property.The husband and wife in a marriage, each own an undivided one half interest in all community property of the marriage.Community property is not divided, unless divorce proceedings are [...]]]></description> <content:encoded><![CDATA[<p> Community PropertyCalifornia is a community property state. All property that is purchased or acquired during marriage, or transmuted (converted) to community property during marriage is community property.The husband and wife in a marriage, each own an undivided one half interest in all community property of the marriage.Community property is not divided, unless divorce proceedings are initiated, or upon the death of either the husband or wife.Community property can be either real property or personal property. Community property can also be businesses, pension plans, or any other type of tangible thing that is acquired during marriage.Community property is ordinarily one of the major issues involved in divorce actions.Quasi Community PropertyQuasi community property is property that is acquired outside of the state of California during marriage. Although married couples may have purchased property in a state that is not a community property state like California, the property will basically be treated as though it were community property for purposes division in a divorce action in the state of California.BusinessesBusinesses that were started during a marriage are community property.<br />In some instances a person may have owned an existing business before they were married, and continue the business after marriage. In a divorce action, the courts will allocate a percentage of value to the business “after marriage” to determine which portion of the business is community property.If you owned an existing business before marriage, it is extremely important for you to consult with an attorney in a divorce action as soon as possible.PensionsAny portion of Pensions, IRA’s, 401(k) s, Retirement plans, etc., that were contributed during marriage are community property.Ordinarily the funds from pension plans are not obtainable until the pension plan vests and matures. Therefore special orders are necessary from the court so that each party is able to get their portion of any retirement plan after it matures and vests. These orders are ordinarily called qualified domestic relations orders or QDRO’s for short.Obviously parties to a divorce have a vested interest in ensuring that they get their fair portion of any pension or retirement plans after a divorce.Community Income, Bank Accounts, Stock, and InvestmentsAll income earned during a marriage is considered community income. This is true even in one of the parties to a marriage earns money in a business that was theirs prior to marriage. Community income is the same as community property, in that each party owns a one half undivided interest in community income.Each party to the marriage has a right to spend and use community income, even if they are not the one that earned the money. However, after legal separation or the initiation of divorce proceedings, parties may only use community property for the necessities of life and to pay their attorney.Likewise, any bank accounts, stock, and/or investments that are acquired during the marriage are also community property. This is true even if the bank account, stock, and/or investment is only in the name of one of the parties.Some parties try to secret money into separate bank accounts during marriage, and/or hide assets there were acquired during marriage from the other party.If you are a party in a divorce action, you have what is called a fiduciary duty of disclosure. What this means is that you must disclose all assets, bank accounts, and other of the investments that were acquired during the marriage to the other party. If you fail to fully disclose your assets and/or income to the court and the other party, the court could severely punish you.You may have read about the case where a wife won the lottery, and then initiated divorce proceedings against her husband. She failed to inform the court and her husband about the fact that she won the lottery. As punishment for her failure to disclose the fact that she won the lottery, the court gave her husband the entire amount of the lottery winnings.Separate PropertySeparate property is all property that was acquired before marriage; during marriage by devise, will, or inheritance; and after legal separation. The proceeds from a personal-injury judgment or settlement are also separate property, even if they were received during marriage.Upon the court making a finding that property is separate property, the person owning said separate property will leave the marriage with their separate property.Separate property can be transmuted (converted) to community property by intent, or by inadvertence. For instance, a party may have a separate bank account before marriage that would be considered separate property. If the party then takes income that was earned during marriage and deposits that money into their separate bank account, they may have by inadvertence converted that bank account to community property.Obviously, parties in a divorce proceeding will most likely want to keep their own separate property after the divorce is over. It is very important for you to contact an attorney with regard to the issue of separate property to ensure that you get to keep her separate property after the divorce.If you are contemplating filing for divorce or are presently involved in a divorce proceeding, you may call our law firm for a free consultation at 818-739-1544 ext. 10, or go to our family law website at http://www.divorce-legal.net .By Norman Gregory Fernandez, Esq., © 2006 </p>]]></content:encoded> <wfw:commentRss>https://qilinafln.info/general-property-issues-related-to-divorce-and-family-law-in-california/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>There is an excessive amount of traffic coming from your Region.</title> <link>https://qilinafln.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region</link> <comments>https://qilinafln.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region#comments</comments> <pubDate>Tue, 21 Mar 2023 13:06:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Entertainment]]></category> <guid isPermaLink="false">http://qilinafln.info/?p=84</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://qilinafln.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region/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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