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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>rlsbgms.info</title> <atom:link href="http://rlsbgms.info/feed" rel="self" type="application/rss+xml" /> <link>https://rlsbgms.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 00:54:37 +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>Outdoor Furniture: A Great Escape From a Hectic Life</title> <link>https://rlsbgms.info/outdoor-furniture-a-great-escape-from-a-hectic-life,html</link> <comments>https://rlsbgms.info/outdoor-furniture-a-great-escape-from-a-hectic-life,html#comments</comments> <pubDate>Thu, 20 Apr 2023 19:23:37 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[diy furniture]]></category> <category><![CDATA[diy furniture flip]]></category> <category><![CDATA[foureyes furniture]]></category> <category><![CDATA[furniture]]></category> <category><![CDATA[furniture design]]></category> <category><![CDATA[furniture flip]]></category> <category><![CDATA[furniture flipping]]></category> <category><![CDATA[furniture flipping tips]]></category> <category><![CDATA[furniture makeover]]></category> <category><![CDATA[furniture painting]]></category> <category><![CDATA[how to paint furniture]]></category> <category><![CDATA[new furniture]]></category> <category><![CDATA[painted furniture]]></category> <category><![CDATA[secret furniture]]></category> <category><![CDATA[small space furniture]]></category> <category><![CDATA[smart furniture]]></category> <category><![CDATA[space saving furniture]]></category> <guid isPermaLink="false">http://rlsbgms.info/?p=67</guid> <description><![CDATA[After your hectic day in the office, you definitely have choices of what to do and how you should spend the remaining hours you have before bedtime. Some prefer to go home and relax in their refreshing and oh so comfortable outdoor furniture where they can be at peace and be physically nourished by the [...]]]></description> <content:encoded><![CDATA[<p> After your hectic day in the office, you definitely have choices of what to do and how you should spend the remaining hours you have before bedtime. Some prefer to go home and relax in their refreshing and oh so comfortable outdoor furniture where they can be at peace and be physically nourished by the gentle stroke of the cool breeze calming their tired and worn out bodies. Some prefer to spend the rest of their hours whiling away at bars and nightclubs where music, some booze and laughter give them relief from the stresses of a whole day’s work. Each one of us has different preferences of how we spend our life outside the workplace.Poolside and outdoor gatherings are a part of weekend relaxation for family and friends. These outdoor activities are brought alive by the setting wherein stylish furniture for the outdoors adorns the garden and poolside. As a small vacation spot away from the busy urban setting, a cozy pool area with space for pure and natural entertainment is the perfect getaway. Here we can escape from our hectic lives and recharge after hours of fighting traffic and vehicle smoke. Modern and well-designed furniture gives an aura of style and elegance to your exteriors especially if your furniture blends well with the theme of nature in your surroundings.If you desire to acquire outdoor furniture similar to what is displayed in front of you, just click away in seconds and surf through the internet wherein you may view various styles which will give you pleasure to see and choose from. Looks and appearances are good but the requirements of a modern family matters most when selecting furniture for their outdoors. For the big family, gathering indoor tables and chairs every time your family gathers outdoors or when friends stop by is very inconvenient as it looks bad. Stackable chairs and table extensions are convenient solutions to accommodate seating. Space will not be a problem and will be easy to convert since the extensions have been incorporated in the design of the furniture.With furniture around, your outdoor spaces will look great, beautiful and comfortable. You can choose from entire sets and combine them with outdoor furnishings to add style like patio umbrellas, garden tables and chairs, as well as chaise lounges. More better if you choose furniture which is designed to withstand all kinds of weather and constant usage but still retaining the sheen and good appearance as when they were purchased. Choosing the right type of outdoor furniture will give sense to money spent and to time in the selection process as well.To add comfort to elegant looks, outdoor furniture cushions with fabrics that dry easily and resist mildew, stains and fading comprise the whole set of furniture. Aside from the all-weather resistant hardwoods such as teak and oak and other similar types of durable woods, wooden furniture painted with all-weather paint or marine paint or varnish, there are also furniture made with rust-resistant hardware such as aluminum furniture which is powder-coated to resist fading and chipping. Whatever choice you make, you must select something that you prefer most and what makes you happy and contented. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://rlsbgms.info/outdoor-furniture-a-great-escape-from-a-hectic-life,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Family Medicine And Family Physicians</title> <link>https://rlsbgms.info/family-medicine-and-family-physicians,html</link> <comments>https://rlsbgms.info/family-medicine-and-family-physicians,html#comments</comments> <pubDate>Sun, 09 Apr 2023 15:32:33 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Family]]></category> <guid isPermaLink="false">http://rlsbgms.info/?p=65</guid> <description><![CDATA[To become a family physician, men and women go through a four-year degree program, they study in an accredited family medical medicine residency program, and an additional three years of training before becoming board certified. A family physician is your one-stop healthcare expert. They treat everyone in the family and they exam, research, and diagnose [...]]]></description> <content:encoded><![CDATA[<p> To become a family physician, men and women go through a four-year degree program, they study in an accredited family medical medicine residency program, and an additional three years of training before becoming board certified. A family physician is your one-stop healthcare expert. They treat everyone in the family and they exam, research, and diagnose medical conditions from head to toe. This type of care is called integrated care where a family doctor devises individualized health plans to treat mom, dad, and children of all ages. Family doctors treat a wide range of health conditions and they can be your primary care physicians at any point in your life. Unlike other specialties, family medicine involves coordinating all types of healthcare issues, from a common cold, pregnancies, to treating an acute or chronic illness.Family physicians must practice at the highest level of medical care throughout the world. They are required to become re-certified around every six years, through American institutions like The American Board of Family Medicine, The American Academy of Family Physicians or the Accreditation Council for Graduate Medical Education, all of which have reciprocity agreements throughout the globe for family medicine training. A few of the advantages in being seen by a primary care physician, includes the following:• family doctors have all of your personal and family medical history because they have been treating you for years.• physicians that have seen generations of family members can help in researching various genetic diseases, like cancer, if it appears more than once in a generation.• doctors involved in family medicine environments can perform minor surgical procedures without the added cost of seeing a specialist.• they improve the lives of the underserved in America and abroad.Research and clinical studies have proven that U.S. and worldwide primary care physicians have been responsible for lowering the world mortality rates in diseases, such as in cardiovascular diseases, cancer, diabetes, low birth weight issues, obesity, and many other illnesses and health conditions. The statistical results associated with the care provided by family physicians, have proven that they help to increase life spans and control diseases from spreading. Their participation in healthcare has reduced healthcare expenditures, they help to lower hospital admissions, emergency room admissions, and they help to reduce surgical costs.A family doctor focuses on preventive care, community oriented care, global health, plus they diagnose and manage a wide range of health problems to improve the quality of care in local, rural, urban, and large city health. Even if people are generally healthy, patients benefit by keeping a relationship with their primary care physicians. The physicians support individuals to stay healthy through dietary programs, they encourage their patient’s to exercise to stay physically and mentally healthy.One of the main reasons that family medicine works, is the relationship that patients have with their doctors. This specialized and confidential relationship is great for individuals who feel comfortable in talking about their medical health with their physicians. Physicians around the world, are available to answer their patient’s questions in a way that forms a trusting bond. This bond creates a trusting relationship, whereby patients will listen and follow their healthcare provider’s advice and directions, thus decreasing chances of spreading contagions.Family medicine is all about treating the whole person, not just their symptoms. A family physician has a profound effect on the physical, mental, environmental, emotional, and spiritual health of each of their patient’s. Physicians with an intimate knowledge of their patients can help introduce the healing power of hope, love, faith, and trust, as life presents challenges that can evoke depression, fear, grief, and anger. Also, if a physician’s patient requires the need to see a specialist, a family doctor will help coordinate your care. Patients can often feel frustrated and confused when they have to manage the healthcare system on their own. With a family healthcare provider on your side, the whole medical care journey is made easier and less frightening of the unknown.Refugees have always fled to foreign countries, including the U.S. for a chance of better opportunities for themselves and their family. The present global news events are following refugees today, who are fleeing from their native countries for various reasons. Before being accepted for resettlement, all refugees must pass medical screening examinations, which is often performed by primary care physicians. The physicians perform a thorough examination of a variety of health problems that involve the mental and social health of the refugees. The family doctor’s check for infectious diseases, chronic illnesses, the refugee’s overall musculoskeletal system, and parasites, thus providing immunizations. The information that they gather is shared with that country’s main health agency, which in the U.S. Is the Centers for Disease Control and Prevention. </p>]]></content:encoded> <wfw:commentRss>https://rlsbgms.info/family-medicine-and-family-physicians,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Remodel Your Home – Take A Home Improvement Loan</title> <link>https://rlsbgms.info/remodel-your-home-take-a-home-improvement-loan,html</link> <comments>https://rlsbgms.info/remodel-your-home-take-a-home-improvement-loan,html#comments</comments> <pubDate>Fri, 07 Apr 2023 19:48:42 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Home Improvement]]></category> <guid isPermaLink="false">http://rlsbgms.info/?p=63</guid> <description><![CDATA[Home, a place where you live together with your close and loved ones, may mean the whole world to you. You always wanted to make your home a better place to live, giving all comforts to your family. You can do this just by making improvements in your home, but where to get the funds [...]]]></description> <content:encoded><![CDATA[<p> Home, a place where you live together with your close and loved ones, may mean the whole world to you. You always wanted to make your home a better place to live, giving all comforts to your family. You can do this just by making improvements in your home, but where to get the funds for it. Home Improvement Loan is the solution to your problem.Home Improvement Loan is a loan that is granted to borrowers to make changes or improvements in their home. A home improvement loan is good if you don’t want to use your savings or don’t have sufficient savings for the home improvement project.A Home Improvement Loans can be used to purchase fitted bedroom furniture or to develop unused spaces in your home. You can use Home Improvement Loan for improving your garden such as landscaping. Home Improvement Loan is also available for double-glazing, new conservatory, heating system, new kitchen, rewiring and plumbing or any home remodeling that you can think of. Making improvements in your home helps in improving your lifestyle as well as may add value to your home.Home Improvement Loan can be classified as secured and unsecured Home Improvement Loan. A Secured Home Improvement Loan is a loan secured by borrower’s collateral such as house, car or bonds. You can borrow any amount between £5,000 to £75,000 A Secured Home Improvement Loan can be repaid at any term between 5 to 25 years depending on income available with you and the amount of equity in the property kept as a security with the lender. You can get Home Improvement Loan up to 125% of property value. A secured loan offers flexible repayment options with low rate of interest.Unsecured Home Improvement Loan is a loan that requires no collateral to be kept as a security with the lender. The rate of interest on loan is higher as compared to that in secured loan, as there is no security attached to this loan.You can get a Home Improvement Loan from banks and financial institutions. Now, you can also get a Home Improvement Loan online. You can collect loan quotes from various lenders which is available free of cost. Make a comparison among the various quotes and shortlist the few you find suitable. Try to find out more details about the short listed loan options and choose the one that you find the best. But don’t haste, relax and shop around make some efforts. Your efforts will definitely repay you in future by saving your money.You can also tie your home improvement loan into the existing mortgage package, which will benefit you with lower rate of interest and help in releasing the money you needed for the home improvement project.You can get a secured Home Improvement Loan even if you have bad credit rating, poor credit history, CCJs, defaults or arrears. Your bad credit history can’t stop you from making desired improvements in your home. You can avail a bad credit home improvement loan that is designed specially for you.Home Improvement Loan is the loan granted for making changes or improvements in the home such as new kitchen or decoration. It helps in making your home a better place to live for your whole family. Home Improvement loan may help in add value to your home by the significant improvements you intend to make. When searching for a home improvement loan, Shop around and compare the quotes of various lenders, your these efforts will help you find the best deal. </p>]]></content:encoded> <wfw:commentRss>https://rlsbgms.info/remodel-your-home-take-a-home-improvement-loan,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Home Interior Design Idea – Simple Yet Effective Home Design Idea!</title> <link>https://rlsbgms.info/home-interior-design-idea-simple-yet-effective-home-design-idea,html</link> <comments>https://rlsbgms.info/home-interior-design-idea-simple-yet-effective-home-design-idea,html#comments</comments> <pubDate>Thu, 06 Apr 2023 15:36:40 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[home]]></category> <category><![CDATA[Building]]></category> <category><![CDATA[Buying]]></category> <category><![CDATA[Commercial]]></category> <category><![CDATA[Commercial Property]]></category> <category><![CDATA[Construction]]></category> <category><![CDATA[Home]]></category> <category><![CDATA[Home Staging]]></category> <category><![CDATA[Homes]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Marketing]]></category> <category><![CDATA[Property Management]]></category> <category><![CDATA[Real Estate]]></category> <guid isPermaLink="false">http://rlsbgms.info/?p=61</guid> <description><![CDATA[The latest trend in home interior design is the use of themes. Theme ideas range from sports to fabulously feminine and contemporary to eclectic. One of the most popular themes is the “Tropical Island” theme.When using the Tropical Island theme idea, there are many directions you can go. From elegant to fun, you have a [...]]]></description> <content:encoded><![CDATA[<p> The latest trend in home interior design is the use of themes. Theme ideas range from sports to fabulously feminine and contemporary to eclectic. One of the most popular themes is the “Tropical Island” theme.When using the Tropical Island theme idea, there are many directions you can go. From elegant to fun, you have a wide range of choices. You can use art work, painted murals, wall paper, textured wall paint or any combination of these materials.Select colors that represent the tropics such as various shades of blue, dark turquoise and deep shades of green. Burlap fabric is a good choice for wall covering. For an inexpensive Tiki look, attach bamboo shades to the wall, than attach a chair rail above the shade using bamboo shafts.Tropical plants are a must-have for the Tropical Island theme. You can use live or silk plants or sculptures of trees. Some craft and hobby stores have fake palm trees with strands of lights attached to them. Fake palm trees are fun and festive and provide a small amount of additional lighting.Window treatments should be light and airy. Bamboo shades are a logical choice for this home interior design. Other options include brightly colored sheers or draperies made from bright, sheer fabric or an island print.A wide range of art work is available to create any style of Tropical Island design. You might want pictures of sugar plantations or pineapple fields. Maybe you prefer oil paintings of cargo ships or fancy yachts. Perhaps your tastes are more suited for seagulls, pelicans, dolphins, turtles or other sea life. Regardless of art preferences, there is an abundance of art work depicting the beauty of the islands.The Tropical Island home interior design can be used in nearly every room. It makes for an inviting living or family room, as it is bright and cheerful, yet relaxing. It is a calming theme for use in a bedroom and can easily be adapted for children or a nursery. Many children enjoy being surrounded by pictures of sea life and are calmed by the soothing colors.Bathrooms are a natural setting for the Tropical Island theme. Accessories can easily be located in most retail and department stores. You can find everything from toothbrush holders to wall paper in a variety of island designs. A popular trend in bathroom designs is the use of glass bowl sinks. These are perfect for the Tropical Island theme and add exquisite beauty to the room.Kitchens lend well to the Tropical Island theme. Bamboo kitchen tables and bar stools are quite popular. Another option is to use a picnic table or outdoor table with an umbrella. You could even go so far as to use a Tiki hut design umbrella to bring in the tropical island feeling in your dining room.Laundry rooms and storage areas are usually boring areas within the home. Add a splash of tropical color or use a tropical island print wall paper border to breathe some life into a dull and boring space. Use wicker baskets painted in bright colors such as turquoise, orange or yellow, or paint shelves or walls in tropical shades.The Tropical Island theme works well in the home office setting. It is inviting and friendly to guests and provides an uplifting environment in which to work. Use a variety of lush tropical plants and an aquarium or water fountain. Paint your office furniture white and add a tropical design for a fun and festive look.Grab some home interior design magazines and catalogs and let your imagination go wild. Cut out photos of items you like and tape them to a piece of paper or foam board. Create a floor plan to help you determine what items you have room for, then go shopping.Look for deals at your local thrift shop or visit yard or estate sales. You might be surprised at the great bargains available and you’ll probably find several unique accessories. Most importantly have fun and get creative with this home interior design idea and soon your tropical oasis will await you!Copyright Shrinivas Vaidya </p>]]></content:encoded> <wfw:commentRss>https://rlsbgms.info/home-interior-design-idea-simple-yet-effective-home-design-idea,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Use Acupuncture to Help Improve Your Health and Fitness</title> <link>https://rlsbgms.info/use-acupuncture-to-help-improve-your-health-and-fitness,html</link> <comments>https://rlsbgms.info/use-acupuncture-to-help-improve-your-health-and-fitness,html#comments</comments> <pubDate>Thu, 06 Apr 2023 14:25:40 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Health]]></category> <category><![CDATA[Acne]]></category> <category><![CDATA[Anti Aging]]></category> <category><![CDATA[Beauty]]></category> <category><![CDATA[Cosmetic Surgery]]></category> <category><![CDATA[Diabetes]]></category> <category><![CDATA[Drug Abuse]]></category> <category><![CDATA[Health and Fitness]]></category> <category><![CDATA[Massage]]></category> <category><![CDATA[meditation]]></category> <category><![CDATA[Nutrition]]></category> <category><![CDATA[Personal Training]]></category> <category><![CDATA[Popular Diets]]></category> <category><![CDATA[Skin Care]]></category> <category><![CDATA[Spa and Wellness]]></category> <category><![CDATA[Speech Pathology]]></category> <category><![CDATA[Weight Loss]]></category> <category><![CDATA[Yoga]]></category> <guid isPermaLink="false">http://rlsbgms.info/?p=59</guid> <description><![CDATA[These days, many people are finding as many ways as they can to stay healthy for as long as they can. Health and fitness has been the focal point of a number of books, videos, and articles all over the world. Tons of money has been invested in trying to find the best methods possible [...]]]></description> <content:encoded><![CDATA[<p> These days, many people are finding as many ways as they can to stay healthy for as long as they can. Health and fitness has been the focal point of a number of books, videos, and articles all over the world. Tons of money has been invested in trying to find the best methods possible to keep healthy and live a long life. Although many of these approaches to finding better health have failed miserably, there are a few out there that work surprisingly well and keep users on the right path to well-being.One method that works great and is very simple to do is called acupuncture. Now, acupuncture is probably one of, if not the oldest techniques in the health and fitness world. It has been around for over 2,000 years, and is classified as a traditional medicine in many eastern countries such as Japan and China. Through the use of needles placed strategically throughout the body, users feel calm and relaxed and free from ailments.Internal organs throughout the body are the prime target of these needles, and through stimulation of specific points, the body is encouraged improve its functions, promote natural healing, and provide an overall boost to your system. Your body is set up with different streams called Meridians that flow through every part of your frame. The needles are tactically inserted into these streams and cause them to open up so that blood can flow freely throughout your body.Picture it like a large boulder in a small stream that blocks most of the water from flowing freely downstream. This is what happens when blockages occur in the channels throughout your body. Like someone moving the boulder from the path of the stream, when acupuncture needles are inserted, these blockages are removed and fluids flow easily where they need to.Health and fitness plays a big role in today’s society, and acupuncture is just one method used by many people all over the world to provide stimulation and improve the overall quality of life. Not only is acupuncture available in eastern countries, it is available almost everywhere in the world and is a simple process that can show vast improvement with just one visit. </p>]]></content:encoded> <wfw:commentRss>https://rlsbgms.info/use-acupuncture-to-help-improve-your-health-and-fitness,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Digital Marketing Services – Site Promotion Fundamentals</title> <link>https://rlsbgms.info/digital-marketing-services-site-promotion-fundamentals,html</link> <comments>https://rlsbgms.info/digital-marketing-services-site-promotion-fundamentals,html#comments</comments> <pubDate>Thu, 06 Apr 2023 13:30:08 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[internet marketing]]></category> <category><![CDATA[online digital marketing]]></category> <guid isPermaLink="false">http://rlsbgms.info/?p=57</guid> <description><![CDATA[When you are looking for digital marketing services, have a good idea what it is that you need before you choose a provider. You may not know how to achieve your business goals, but you have a general idea of the direction you want to go.Promoting a website and a business can be done in [...]]]></description> <content:encoded><![CDATA[<p> When you are looking for digital marketing services, have a good idea what it is that you need before you choose a provider. You may not know how to achieve your business goals, but you have a general idea of the direction you want to go.Promoting a website and a business can be done in the more conventional ways such as brochures, mailers, magazines, radio, and other long established media methods. If you require this kind of printing and advertising service, you might make a different choice than you would if you want only consulting and online digital marketing services.Perhaps you feel it is better to have video sales tools or to produce DVDs with your digital products and services available for mail order business. Some services have the resources to produce the subjects you want completely as well as guide you in how you can produce your own.The large companies use all available tools to market what they are selling, and with the proper service provider(s), you can have a great program of your own, even without spending a great deal of business capital. Established marketing service companies are more knowledgeable of how to get the most for your marketing dollar and the timing of the presentation of your services or products for the best results.Making the right choice in the beginning for digital marketing services is important for monetary and credibility reasons. One of the fundamental laws of marketing is to establish a personality or essence that people identify with (branding), and to do that generally means sticking with the plan you start out with.Many service providers have some of what you want to promote yourself or your company, but you need to know how you want that promotion to go. You may be wrong in your assumptions on how to get to an end, and an upfront consultation with the right professionals can get you steered in the right direction. </p>]]></content:encoded> <wfw:commentRss>https://rlsbgms.info/digital-marketing-services-site-promotion-fundamentals,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Why Invest in Art?</title> <link>https://rlsbgms.info/why-invest-in-art,html</link> <comments>https://rlsbgms.info/why-invest-in-art,html#comments</comments> <pubDate>Wed, 05 Apr 2023 07:29:14 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Animation]]></category> <category><![CDATA[Arts and Entertainment]]></category> <category><![CDATA[Body Piercings]]></category> <category><![CDATA[Casino Gambling]]></category> <category><![CDATA[FictionTattoos]]></category> <category><![CDATA[Film Editing]]></category> <category><![CDATA[Movies TV]]></category> <category><![CDATA[Music]]></category> <category><![CDATA[Music Industry]]></category> <category><![CDATA[Music Instruction]]></category> <category><![CDATA[Painting]]></category> <category><![CDATA[Performing Arts]]></category> <category><![CDATA[Photography]]></category> <category><![CDATA[Visual Graphic Arts]]></category> <guid isPermaLink="false">http://rlsbgms.info/?p=55</guid> <description><![CDATA[When we invest in anything, we are attempting to maximize our return on that investment, given some level of acceptable risk. All financial investments involve a balance between return and risk. Investing in art is no different. We have to ask: “What is the expected rate of return, and what are the risks?” Besides these [...]]]></description> <content:encoded><![CDATA[<p> When we invest in anything, we are attempting to maximize our return on that investment, given some level of acceptable risk. All financial investments involve a balance between return and risk. Investing in art is no different. We have to ask: “What is the expected rate of return, and what are the risks?” Besides these criteria, art investment offers other investment advantages. So let’s take a look at these issues in art investment.When we invest in anything, we are attempting to maximize our return on that investment, given some level of acceptable risk. All financial investments involve a balance between return and risk. Investing in art is no different. We have to ask: “What is the expected rate of return, and what are the risks?” Besides these criteria, art investment offers other investment advantages. So let’s take a look at these issues in art investment.Rate of ReturnCalculating a rate of return on art investment is difficult. The difficulty lies in devising a performance index that accurately reflects the movement in the prices of art. Since we are concerned with investment, I am considering only what I call investment grade art. This is the art that is offered by the major auction houses such as Christie’s and Sotheby’s — not the art you might find in a downtown gallery. Admittedly, this criterion is not precise. There have been several indexes created to measure the changes in art prices. One of the most respected indexes of investment grade art is the Mei Moses All-Art Index. The index was developed by two New York University professors, and is often quoted as the most reliable in describing art price fluctuations. This index indicates that art prices have almost matched the performance of stocks, and that over some periods, the rate of return on art has beaten the stock market. This would put the annualized rate of return somewhere close to 6%.Other estimates for price growth in art have not been so optimistic. In fact, some estimates place the rate of return near zero. A study directed by Luc Renneboog at Netherlands, Tilburg University estimates that the rate of growth from 1970 to 1997 to be around 4%. We can speculate that the long-term rate of return for investment grade art is somewhere between 2% and 6% with 4% probably a fairly decent estimate depending on the art bundle.In today’s economy where certificates of deposit are yielding close to 0%, a 4% yield on fine art would appear attractive.Asset DiversificationIt is a fundamental premise of financial management that asset diversification can reduce overall risk of a portfolio of assets. Adding new financial assets to any portfolio should serve to reduce risks, especially if the performance of the new asset does not correlate directly with other assets in the portfolio. Although price swings of stocks and fine art are often paralleled, they are not always perfectly in sync. Stock prices usually reflect economic activity whereas fine art is not as directly impacted.Inflation HedgeReal property can provide a hedge against inflation. Whereas inflation can eat into the value of monetary based assets such as bonds and certificates of deposits. Like real estate, coins, and gold, art is real property. Although the supply of art continues to grow, the demand for investment grade art is growing even faster. Renoir and Picasso have long stopped painting. Periods of hyperinflation, have always seen huge increases in the prices of investment grade fine art.Tax AdvantagesAs it has been noted earlier long-term profits are taxed at lower rates than ordinary income. Plus, a portfolio in art offers the possibility of other tax advantages if the owner donates the art to qualifying charities, especially museums. In the same vein, fine art assets can play a significant role in an individual’s estate planning.Although current reduced tax rates for long-term gains and estate taxes have worked to reduce many of these tax advantages, these tax cuts are scheduled to expire in the next few years. New tax schedules could emerge again favoring the tax advantages of art assets.The Joy of CollectingThere are other gains that can be derived from art investment — the joys of collecting and displaying an art collection. One might argue if you are going to collect art anyway, you might as well pursue the collecting seriously with an aim of ultimately making a profit from the process. There is a danger of developing the mindset of a collector if you are seeking financial gain.Investors make money in art when they sell to collectors — not the reverse.SummarySo why invest in art? Probably the most compelling reason is the reduction of portfolio risk by diversification and as an inflation hedge. Although a 4-6% return on investment surpasses money-based assets, it falls behind stocks and precious metals. However, price reflects supply and demand. The supply of investment grade art is diminishing as contemporary artists gravitate to electronic art mediums. Paint on canvas for the current generation of artists is passé, and new electronic forms of art-making add nothing to inventory of marketable art. This trend may not be immediately felt on the art market, but could have a tremendous effect in twenty or thirty years. And art investment is always a long-term proposition.By combining the possible financial gains from investing in art with the emotional pleasure of owning and displaying the art, then art investment can become “profitable.” </p>]]></content:encoded> <wfw:commentRss>https://rlsbgms.info/why-invest-in-art,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Developing Community and Public Health Capacity for Change</title> <link>https://rlsbgms.info/developing-community-and-public-health-capacity-for-change,html</link> <comments>https://rlsbgms.info/developing-community-and-public-health-capacity-for-change,html#comments</comments> <pubDate>Tue, 04 Apr 2023 21:13:22 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Acne]]></category> <category><![CDATA[Anti Aging]]></category> <category><![CDATA[Beauty]]></category> <category><![CDATA[Cosmetic Surgery]]></category> <category><![CDATA[Diabetes]]></category> <category><![CDATA[Drug Abuse]]></category> <category><![CDATA[Health and Fitness]]></category> <category><![CDATA[Massage]]></category> <category><![CDATA[meditation]]></category> <category><![CDATA[Nutrition]]></category> <category><![CDATA[Personal Training]]></category> <category><![CDATA[Popular Diets]]></category> <category><![CDATA[Skin Care]]></category> <category><![CDATA[Spa and Wellness]]></category> <category><![CDATA[Speech Pathology]]></category> <category><![CDATA[Weight Loss]]></category> <category><![CDATA[Yoga]]></category> <guid isPermaLink="false">http://rlsbgms.info/?p=53</guid> <description><![CDATA[March Health Awareness Campaigns National Colorectal Cancer Awareness Month Brain Injury Awareness Month National Kidney Cancer Awareness Month Multiple Sclerosis Awareness Month National Myeloma Awareness Month National Nutrition Month National Endometriosis Month Workplace Eye Wellness Month National Save Your Vision Month Hemophilia Month National Chronic Fatigue Syndrome Awareness Month American Red Cross Month Learning Disabilities [...]]]></description> <content:encoded><![CDATA[<p> March Health Awareness Campaigns</p><p>National Colorectal Cancer Awareness Month</p><p>Brain Injury Awareness Month</p><p>National Kidney Cancer Awareness Month</p><p>Multiple Sclerosis Awareness Month</p><p>National Myeloma Awareness Month</p><p>National Nutrition Month</p><p>National Endometriosis Month</p><p>Workplace Eye Wellness Month</p><p>National Save Your Vision Month</p><p>Hemophilia Month</p><p>National Chronic Fatigue Syndrome Awareness Month</p><p>American Red Cross Month</p><p>Learning Disabilities Awareness Month</p><p>National Developmental Disabilities Awareness Month</p><p>National Eye Donor Month</p><p>National Poison Prevention Month</p><p>National Professional Social Work Month</p><p>Save Your Vision Month</p><p>For those in community or public health, the topics in this article will be nothing new-but as busy professionals ourselves, we often find it helpful to be reminded of the basic premises of our chosen fields. It’s so easy in our hectic-and very important-drive to complete work tasks that we lose sight of those core values for which we strive.There are a growing number of evidence-based interventions for use by community and public health professionals to promote health and prevent disease. [Leeman, Calancie, et al: 2015] These practices have the potential to improve environments, behaviors, and health outcomes in our communities. In order to adopt these practices, however, public health agencies and community partners often need additional tools, strategies, and training to enhance their capacity to improve health outcomes.The most effective prevention strategies actively engage the communities they are intended to serve. Effective health promotion and health-enhancing social change require communities to identify, plan, channel resources, and take action. The concept that a community is the solution to its own problems is not new. There is considerable support for designing community-based interventions to improve the health behaviors and overall health status of community members. According to Sotomayor, Pawlik, and Dominguez in the journal Preventing Chronic Disease, “These community-based interventions are important because health disparities and the high rate of chronic diseases in minority populations, particularly among those who are poor and lack access to community resources, are not likely to be prevented without them.” [Sotomayor, Pawlik, and Dominguez: 2007]The U.S. Office of Disease Prevention and Health Promotion’s Healthy People 2020 strives to</p><p>Identify nationwide health improvement priorities.</p><p>Increase public awareness and understanding of the determinants of health, disease, and disability and the opportunities for progress.</p><p>Provide measurable objectives and goals that are applicable at the national, State, and local levels.</p><p>Engage multiple sectors to take actions to strengthen policies and improve practices that are driven by the best available evidence and knowledge.</p><p>Identify critical research, evaluation, and data collection needs.</p><p>Many health prevention and promotion consultants stress the importance that local leaders play in building community health. The Healthy People 2020 toolkit Identifying & Engaging Community Partners, answers the question “How Do You Define Meaningful Citizen Participation?” in this way:</p><p>Power to make decisions and affect outcomes</p><p>Citizen driven; from the community up, not top down</p><p>Proactive, not reactive</p><p>Encourages and facilitates broad community involvement</p><p>Inclusive, not exclusive; accessible to all</p><p>Balanced representation in the participation process; not just major “partners”</p><p>Consensus-oriented decision making Compromise; give and take</p><p>Opportunities for involvement in all levels of activity, which include creating a vision, planning, prioritizing, deciding, evaluating [ODPHP: 2010]</p><p>Building strong relationships with necessary community partners can be time consuming. Facilitating meetings to allow the meaningful participation outlined above requires a particular, practiced set of skills. Here’s where a community health consultant could be extremely valuable. Each community health consultant is different, of course, but in general he or she will have significant experience with the following tasks:</p><p>Developing health education and promotion programs, such as school or community presentations, workshops, trainings, etc. </p><p>Writing and formatting health education materials, such as reports, bulletins, and visual aids, to address public health concerns.</p><p>Developing working relationships with agencies and organizations interested in public health.</p><p>Designing and conducting evaluations to assess the quality and performance of health communication and education programs.</p><p>Collaborating with community groups and public health officials to identify community health needs and the availability of services needed.</p><p>Writing press releases and public service announcements, conducting media campaigns, or maintaining program-related Web sites.</p><p>Developing grant proposals to obtain funding for health education programs and related work.</p>]]></content:encoded> <wfw:commentRss>https://rlsbgms.info/developing-community-and-public-health-capacity-for-change,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How Can Supplier Relationship Management Help Organisations Profit?</title> <link>https://rlsbgms.info/how-can-supplier-relationship-management-help-organisations-profit,html</link> <comments>https://rlsbgms.info/how-can-supplier-relationship-management-help-organisations-profit,html#comments</comments> <pubDate>Tue, 04 Apr 2023 17:56:56 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[supplier relationship management]]></category> <guid isPermaLink="false">http://rlsbgms.info/?p=50</guid> <description><![CDATA[Businesses all over the world have to compete to stay alive. With the advent of the internet, now more than ever is it important to save money in any way possible. One way to do so for businesses who work with suppliers to create their end product to utilize effective supplier relationship management techniques to [...]]]></description> <content:encoded><![CDATA[<p> Businesses all over the world have to compete to stay alive. With the advent of the internet, now more than ever is it important to save money in any way possible. One way to do so for businesses who work with suppliers to create their end product to utilize effective supplier relationship management techniques to optimize profitability.Business owners can take different measures to procure the services provided by their suppliers in different ways, yet they must keep in mind that simply trying to negotiate a cheaper price could result in decreased overall quality. After all, the supplier is a business as well, and they are also trying to survive in today’s economy. Analytical tools can help make the process a win win situation for both parties. These tools provide knowledge such as how a supplier stacks up against other suppliers, records of the supplier’s history of quality and reliability and this information can be compared to the terms agreed to in the original contract.The careful breakdown of these factors can help a business owner decide the most advantageous ways to continuing business with any one supplier. For example, if a company rents tuxedos to attend special events from from two different suppliers, and one supplier sends a consolidated monthly bill while the other sends separate invoices per rental, the supplier who is billing on a single invoice is going to be much cheaper to do business with in the long run when the overhead costs involved to process the invoices is calculated.Businesses can expect results when employing the use of software designed to manage supplier relationships. These programs can drive procurement productivity using a centralized process accessible online to any department or branch of the business at any time, making it well worth the investment.Unfortunately, many businesses today overlook the importance of supplier relationship management and the vast benefits it can ultimately reap for the business financially. Those business owners who are looking for a way to cut costs and have never considered this aspect would benefit by exploring the tools available to optimise the relationships they have with their suppliers as well as discover which ones are costing them more than they should. By making the initial investment in the tools necessary to discover this crucial information, business owners take the first step to a whole new technique in both saving money and improving the long term relationships they have with their various suppliers. </p>]]></content:encoded> <wfw:commentRss>https://rlsbgms.info/how-can-supplier-relationship-management-help-organisations-profit,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://rlsbgms.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://rlsbgms.info/crypto-currency-vs-fiat-currency,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:40:25 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[cash]]></category> <category><![CDATA[Crypto currency]]></category> <category><![CDATA[currency]]></category> <guid isPermaLink="false">http://rlsbgms.info/?p=48</guid> <description><![CDATA[Crypto currency vs. Fiat currency Are you aware of the fiat currencies and the crypto currencies? They both are currencies in one form or the other and are open for public use across the world. But they are both different and distinct in their own ways. There is always one group that favors the use [...]]]></description> <content:encoded><![CDATA[<p>Crypto currency vs. Fiat currency</p><p>Are you aware of the fiat currencies and the crypto currencies? They both are currencies in one form or the other and are open for public use across the world. But they are both different and distinct in their own ways. There is always one group that favors the use of cryptos, while the other has a soft corner for the fiat currencies.</p><p>In cashless society- crypto money play a huge role</p><p>If you have a look at the market of the 1970s and 1980s, you will find that the cash played the dominant role. But, with the change in the technology, electronic transactions have become the usual norm. Today, more and more people are influenced in becoming the cashless society. With the progress towards the cashless society, cryptocurrencies have a big role to play.</p><p>Crypto currency and fiat currency are always at loggerheads</p><p>Cryptocurrency and fiat currency are popular types of digital currency, especially when it is about an online transaction. They both are currencies currently in use in the market but have some differences in them. There is a hell lot of hypes that you will hear on a daily basis comparing the crypto money and the fiat money. This article will highlight the difference between the two in a more comprehensive and clear manner.</p><p>Differentiating in what the currencies stand for</p><p>Before going for the difference between the two, you must understand what do they stand for and how are they are defined.</p><p>The fiat currency is a legal tender that has the support of the central government, and it operates in the physical form. For instance, US dollars, British Pounds, Euro etc. On the other hand, the crypto currency is a non-legal tender, and doesn’t have any backup from the central government or bank.<br />Hence, the difference between crypto currency and fiat currency is noted as follows:</p><p>• Crypto-currencies are decentralized and global in nature. There are no one entity or government that controls the currency with their laws and regulations. The Fiat currency is centralized, under the control of the laws and regulations of the banks and government.</p><p>• Crypto-currencies have their existence only in the digital domain. On the other hand, you will find that the fiat currencies have a tangible and physical existence.</p><p>• There is a limited supply of crypto-currencies with a maximum set of them getting supplied in the market. Whereas, the fiat money has an unlimited supply as the government and bank are entitled to produce coins and paper money whenever the situation is required.</p><p>• The Bitcoin and other crypto type currencies are created by the computers, while the fiat currencies are issued by the local government and the banks.</p><p>• Cryptocurrencies are presented as the public and private code pieces. On the other hand, the fiat currencies are presented in the form of coins and paper money.</p><p>• The value of the crypto currencies is not recognized by the supply and demand of the market. Whereas, the fiat currency value is determined by the market regulations of supply and demand.</p><p>The different types of crypto and fiat currencies</p><p>In the last one decade, the popularity of crypto type currencies has emerged as a huge success. It was in 2009, when Bitcoin was first introduced, and years after several other types of crypto currencies have emerged. Starting from Litecoin. Dogecoin, Ripple to the Dcash and Zcash, there is a plethora of them. On the other hand, the fiat currency has a rich and ancient roots, with the Great British Pound, that dates back to 775 AD. It is considered as the oldest currency in the world that is still in use.</p><p>The differences in the anonymity between the two currencies</p><p>When you are using the fiat currencies, you need to undergo a user identification or verification process. You are asked to upload a recent picture of yourself and some of the required documents to be issued as per the public authorities. You don’t need to undergo any of the required processes with the crypto currencies. Though your personal information and confidential details don’t get public, but all your transactions are recorded and tracked in both the fiat and the crypto currencies.</p><p>Fiat currency vs crypto currency: transparency level</p><p>• The transparency level with the crypto type currencies are considered to be more. This is because the revenue streams are displayed in a public chain. Everyone can witness their own and others’ transactions.</p><p>• The fiat or govt. currencies are not transparent, as there are not public chains to see the revenue streams of the people.</p><p>A comparative historical roots</p><p>If you compare the crypto money with that of its counterpart, fiat or government currency, you will find that their existence and creation brings the difference. The Fiat or government currency, dates back its existence as early as 775 AD with the introduction of the Great British Pound. This is why fiat type currency is easily accepted by the people all over.</p><p>On the other hand, the crypto coin was perhaps first introduced only a decade ago, with the introduction of Bitcoin in 2009. The challenge that the Bitcoin and other crypto currencies face is catching up with the immense popularity and increasing fan base of the fiat currency. Crypto currency, is no doubt gaining importance and popularity in the economic market, but it has still not been accepted widely in the society as the fiat currency.</p><p>A comparative history of the two currencies:</p><p>• It was in the 11th century, when the Chinese Song dynasty was perhaps the first one to issue the paper money. It was not allowed to exchange with valuables like gold and silver or silk.</p><p>• There were Tally sticks that were introduced as a fiat or government currency. 1100 Tally sticks were introduced as a combat for the shortages in gold.</p><p>• 1971, was the year, when the fiat currency received a worldwide recognition. President Nixon introduced it in order to eliminate the dollar pegging system to gold.</p><p>• It was in 1998, when the idea of an anonymous electronic cash system emerged by Wei Dai. Bitgold-the very first crypto currency was created by Nick Szabo, but it didn’t receive as much attention as Bitcoin.</p><p>• In 2009, Bitcoin was introduced in the market, that became the first crypto currency that was accepted across the globe. In 2011 and after, a series of several other crypto currencies were introduced. Some of the popular ones include, Litecoin, Dogecoin, Ethereum, Ripple, Zcash, Dash and so on.</p><p>The traits of both the currencies</p><p>The potential of the crypto type currencies and fiat currencies, accessing their traits is important. You will find that in some of the criteria, Bitcoin and other crypto currency is superior than the fiat or government currency, and in some cases, the latter surpasses. It is absolutely your call to choose the type of currency (crypto type currency or fiat type currency) based on your personal needs and requirements.</p><p>Let us compare their traits with respect to certain factors.</p><p>• Both the crypto coins and fiat type currencies are interchangeable in nature.</p><p>• As per the portability is concerned both the currencies secure more or less the same position.</p><p>• With respect to the non consumable criteria, crypto currency and fiat type currency have the equal status.</p><p>• Crypto type currencies have high durability as compared to the fiat-currencies that have moderate level of durability.</p><p>• Both the crypto or virtual currencies and the fiat or government currencies ensure secure and safeguarded transactions and exchange.</p><p>• Crypto or digital currencies are highly divisible in nature. On the other hand, the fiat type currencies are moderately divisible.</p><p>• In terms of the transaction process, the crypto currencies are easy and hassle free. Whereas, on the other hand, the traction process associated with the fiat currencies are easy, but not like the cryptos.</p><p>• The crypto based currencies are decentralized and global in nature, unlike the fiat currencies that are centralized and functions under the laws and regulations of the government.</p><p>• The crypto based currencies have high scarcity, where as, the fiat currencies are unlimited as the government can issue coins and paper money whenever there is a need.</p><p>• The crypto based currencies are based on mathematical algorithms, and are programmable. The fiat currencies are not at all programmable.</p><p>• The fiat currencies are sovereign in nature, while the crypto currencies are not.</p><p>The process of the functioning of the currencies</p><p>You can find the significant differences between the crypto or digital currencies and the fiat currencies with the way they both operate and the transaction process that take place. They are contrasting in nature. The transfer of money using the Bitcoin is very quick, and you absolutely don’t need any third party association.</p><p>On the other hand, if you are involved with the money exchange using Fiat type currency, a mobile wallet is in use. You can exchange an amount of e-money that gets transferred into the equal e-value amount. Both the fiat and the crypto currencies enable you to purchase everything that you desire. But the processes involved are absolutely distinct from each other.</p><p>Depending on the things you purchase, you will find that one currency form is better than the other. This is absolutely your choice.</p><p>Is Bitcoin, a crypto currency better than the fiat-currency?</p><p>The long term benefits and the capability of the Bitcoins is still not established. But it has been predicted by the crypto currency gurus and experts, that they will go a long way, especially revolutionizing the way the online transactions are done. In the current market, the Bitcoin is mainly included in the online casinos and the gambling, but it is not limited to it.</p><p>Furthermore, when you compare the fiat currencies, the Bitcoin allows you to seize the power and authority from the banks and the government since it is not controlled. The cryptography based currency has the capability to create or come up with the free market capitals. Fiat currencies are affected by the inflation and the changes in the market, unlike the crypto based currencies. Such aspects make individuals believe that cryptograph based currencies will soon take over the mainstream currencies and bring a transformation in the way the money is used.</p><p>Why is Bitcoins considered to be a better aspect than the fiat type currencies?</p><p>• Bitcoin gives you the opportunity to re-create a free market capitalism.</p><p>• The power of controlling the money is absolutely with the individuals, and not with the banks like the fiat type currencies.</p><p>• When there is an inflation, the Bitcoin is not affected. But the Fiat type currency will be easier to lose and get affected by it.</p><p>• The Bitcoin currency is easy easier to exchange and transfer as compared to the fiat or government currencies.</p><p>• The transaction fees involved with the Bitcoin are way cheaper and easily affordable.</p><p>Crypto currencies seem to be a favorable option among the people</p><p>The fiat type currencies are the centralized and legal way of exchanging money. But, the crypto currencies have acquired immense popularity in the past few years. There will never be anyone who would act as a middle man, like the case with the banks. Moreover, the cryptos are way cheaper and less expensive that the conventional fiat currencies.</p><p>Send money anywhere directly without waiting for the bank’s approval</p><p>You can send money to anyone in the world directly, and it is super fast. The money gets cleared within a few minutes time. You don’t have to wait for the traditional clearing and verification processes of the banking systems, which might take up to several days to get a clearance. Since it is decentralized and doesn’t come under the law and regulations of the government, nobody has any power to do anything with your account.</p><p>The blockchain technology has a very big role to play</p><p>Thanks to the crypto currencies, that gives us the power and the authority to become our very own bank, and take control over our finances. It is because of the blockchain technology that offers a higher level of sophistication while dealing with the finances. In fact, there are some mainstream financial industries that have started incorporating the idea of the technology.</p>]]></content:encoded> <wfw:commentRss>https://rlsbgms.info/crypto-currency-vs-fiat-currency,html/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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