Online Payment Systems for Landlords What Are the Advantages

fn4As a landlord, you most certainly are preoccupied to have your property rented at all times, in the best conditions, and receive your due rent for it. When you are a lessor, it is also essential to make sure that your tenants stick around. You can face major losses when your property remains vacant for a long period of time. Taking the aforementioned factors into consideration, the method of payment you require your tenants to follow is a deciding factor by which you can attract and retain them. Now that the whole wide world is gradually enjoying technological progress, the real estate niche should follow suit. If you are a property owner, it is about time to become technically savvy as well. A positive step towards this direction is to allow your tenants to pay their rentals online, in person, or by means of mail.

Through the years, residential property owners have been receiving rental payments in person, or through the mail. Since the Internet has transformed the entire way we communicate, many things have changed deeply. One of these changes is the fact that online transactions have become popular. Several property owners are now accepting the highly technological management tools. Some of these are, for example,property management software, as well as online rental payments. In doing so, they enjoy a succession of benefits offered by these tools.

As a proprietor, you will see a considerable impact in terms of operational efficiency, as well as bottom-line profits. When you accept rent payments online, monitoring is no longer necessary, and even if you live far from the state where your rental property is located, this payment method will be very advantageous for you. In addition, you will be able to keep record of your tenant’s payment history by means of your website, which provides you with an online rental payment management system. You don’t have to go through several mails, checks, as well as documents. This lets you save a lot of time. With a few clicks, you can retrieve the information you need in an organized manner. For instance, when you have to check those who have not paid their rent for a specific month, all you need to do is login to your account and access the information in a couple of clicks.

For companies that manage properties, online payment systems come as an advantage. When they implement an online payment system, this would reduce their administrative costs. They would have to cut down on personnel, since there is no need to process paper checks, create journal entries, fill out deposit slips or assist people who go to the bank to deposit them. These tiresome tasks will become fully automated, reduce fraud risks and lead to efficient management. Also, this lets you plan strategies for the future, while the company improves in forecasting the cash flow.

Aside from the benefits given by an online rent payment system to landlords, property management companies and apartment complex owners, it also offers considerable advantages to tenants. For them, this payment method is extremely convenient, since they can pay their rent online from wherever they are. This lets them pay on time to avoid the charges associated with late payments, if ever they forget to send the check payment on the deadline, as the amount is deducted from their bank account.

State Capitalism

fn3State capitalism is referred to as a monetary system wherein business functions (profit oriented) are initiated by the state.

The production systems are arranged and controlled by the state. The government agencies manage the complete process – capital increase, the wage for labour and centralized management.

State capitalism is the combination of wage structure of production and control by the government. It could be utilized to denote a structure in which the state makes economic decisions to safeguard the well-being of mega businesses.

This is not a new concept e.g., the East India Company. However, it has witnessed an impressive recovery.

During the 1990s, state-controlled firms were nothing but government divisions in developing economies. The assumption was that, as the economy seasoned, the government would either shut or ensure they are privatized.

The crisis in the West and growth in emerging markets has convinced some experts, state capitalism is a viable model. According to them, capitalism has been revamped to ensure it is more efficient.

The requirement for leaders of the G-20 to construct consent behind the implementation of modified rules for financial institutions and dependable global oversight would supplement the movement.

Over a period of time, state capitalism has become prominent. The governments are steering mega capital flows across international markets with significant inferences for free markets and global growth.

The mega oil firms globally, assessed on the basis of their reserves are managed by governments.

Some of the examples are Saudi Aramco, Gazprom (Russia), China National Petroleum Corporation (CNPC), National Iranian Oil Company (NIOC), PetrĂ³leos de Venezuela (PDVSA), PetrĂ³leo Brasileiro (Petrobras), and Petronas (Malaysia).

The trend is not restricted to only the energy sector. State-controlled firms are making a foray into several sectors – military, power, telecommunications, metals and aviation.

The growth in an advanced segment of sovereign wealth funds is also facilitating an increase in state-controlled functions.

The governments with huge holdings in the currencies of other nations are creating mega risk-oriented funds to optimize the ROI and increase their political clout.

The international credit crunch increased the difficulty in securing funds, hence, sovereign wealth funds have become vital for the funding of state capitalism.

Economists backing state capitalism feel that it can deliver stability along with development.

The governments are in a position to lessen the crisis that a globalized capitalistic economy causes by increasing investments in public infrastructure projects and soft infrastructure of leading enterprises.

The Singapore government under the leadership of So Lee Kuan Yew allowed international companies to operate, accepted western management concepts and owned significant portions of firms.

China has achieved a growth rate of 8% in recent times. The US has a trade deficit of nearly $300 billion with China.

Several nations that function based on a state capitalist structure have overcome the impact of the global recession with better strength than free economies of the developed world.

The governments in a state capitalist structure, usually make long-term investments. The establishment of national mega firms that support the pursuit of the government’s policies is a critical strength of state capitalism.

However, there are serious weaknesses linked to state capitalism. State controlled firms absorb the capital and expertise that could have been used efficiently by private firms.

State-controlled firms usually replicate others technology since they could leverage the government’s influence to secure others technology. They would become competitive if they invest significantly in R&D.

State-controlled firms make few mega investments instead of many small investments. The pioneering innovations globally are mostly interconnections of small new ventures.

Stability is an area of concern. State capitalism functions efficiently only if it is managed by a capable state. Several nations in Asia have a common cultural background.

State capitalism favours insiders having excellent relationships with decision makers to highly efficient outsiders. It encourages crony capitalism.

The internal weaknesses in a state-controlled firm are not visible in the short-run, while resulting in several economic issues. Global investors in developing economies have to be careful.

State-capitalist regimes could be unreliable, with absolutely no concern for smaller shareholders. Some investors would find their affiliates or joint ventures facing direct competition from state-controlled firms.

A serious issue is the influence of the model on the international trading structure. Geopolitical problems could impact the trading structure.

For developing nations seeking to be competitive globally, state capitalism definitely has an appeal. It gives them a significant advantage in terms of the political influence that would take private firms a long-term to establish.

There would be more constraints on the entry to some international markets for certain firms.

The governments would provide subsidies to facilitate social development. This could have a negative impact on the economy.

The demerits overshadow the merits. The leadership of state capitalism must reduce their mega holdings in preferred firms and boost greater private investment.

To conclude, state capitalism would influence international economic trend significantly, but it would not be able to change the globalization process. State capitalism must negate the internal inconsistencies – the ecological price.

What Good Is the Economy in the Light of the Environmental Destruction It Causes

fn2While politicians stand up for the economy and promise more jobs, better services, and so forth the bottom line is they are the ones sanctioning the destruction of the environment. The timber industry in Australia employs hundreds of loggers, machinists, carpenters, drivers, and others, including all the office workers and so on. It also targets forests where animals are dependent on the habitat and food they provide and the earth depends on the oxygen and removal of CO2 from the atmosphere.

The Fishing industry depends on trawlers and all the associated workers but the oceans are being depleted at such a rate that it is unsustainable. Likewise, in Australia especially, the agricultural industry is fighting mining companies who have access to their land and are changing the quality of the previously beautiful countryside.

Along with growing costs and other hardships, including global warming with increasingly stronger winds, storms, and erosion the future of the world is bleak. Yet, politicians are promising more jobs and an improved economy as a reason to vote the government back in on July 2nd.

One needs only to look at the prophecies in the Old Testament to know that we are in the last days. The signs are unmistakable as the earth is reaching capacity in terms of population, depletion of natural resources, and climate change. As the population increases the land mass is decreasing and, along with everything else, the pressure on the environment is reaching saturation point.

With memory of my reincarnation and knowledge that everyone is back none of these things are a surprise. This is borne out by the size of the population while those who care little for the environment are rushing headlong into catastrophe. Making money is their chief concern and they will do that at the expense of everything else.

Politicians who are promising more jobs and a better lifestyle are disillusioned because it can’t happen. Nature has virtually given it’s all to bring mankind to this point and whether the earth survives after man is removed from it matters little in the long run. Our solar system is full of dead planets and the universe continues.

Its size and depth of the cosmos is unknown and it contains zillions of planets, stars, moons, comets, black holes and everything else and the Spirit of the Universe oversees it all. Man, on the other hand, is focused on money as his main god and the false gods of religions that are leading us to the end. Environmental destruction is not a price we will pay but the plan of God coming to fruition.

Why Are Millennials Abandoning Big Banks and Turning to Credit Unions

fn1Millennials (those who are between the ages of 18 to 34 in 2015) are ditching their big banks and becoming members of credit unions. They want the convenience and technology that the big banks can offer but they also want to make sure their banks are paying attention to their needs, by offering customer-friendly service and simple, straightforward solutions that they are demanding.

Millennials know exactly what they want from their bank and everyone is chasing this potential new member. So, understanding their perceptions and needs will help credit unions compete for this sought-after audience.

Below is a closer review of some of the reasons why millennials are scrapping their banks and joining community institutions:

    • They are seen as more customer-friendly and can answers questions directly regarding financial security. They are very helpful when it comes to imparting information regarding car and home buying by offering members education services and solutions that are easy to consume and utilize.

 

    • Qualifying for a loan will be easier, because their requirements are not as rigorous. While banks tend to turn away millennials with a low credit scores, they roll up their sleeves and make it happen.

 

    • These younger members crave more high-touch and want to make sure someone is paying attention to their needs. They want to know there is a real person on the other side of the phone and get their questions answered quickly. They want it when they want it and how they want it.

 

    • Mobile banking is a necessity. Millennials manage their lives on the go so it is important that credit unions deliver a smooth and instinctive mobile experience.

 

    • Millennials are intuitive consumers and they quickly find deals and share opportunities including rates on car loans, credit builder loans and student loans. Maintaining the lowest and best terms will give the them a greater appeal over a traditional bank.

 

    • Credit Unions are superior in focusing and competing on financial health. Millennials view them as a trusted resource for financial advice and a partner that specializes in member service.

 

  • Millennials are also saying bye bye to their banks because of ATM-related reasons. There is either not enough of them, inconveniently located or high fees associated with using them.

There is a natural alliance between the values of Gen Y and the mission of credit unions. These modern consumers do not follow the financial path of their parents. They want to encounter a high-touch, high-tech brand experience by discovering the human side of banking provided by credit unions. By focusing on this age group credit unions are learning and adapting to ensure they are on the cutting edge of the banking technology.

Why Money Is Destroying the Planet

fn20It seems obvious that money is the tool bulldozing everything alive into the ground. It doesn’t look dangerous as it’s mostly paper, but it is stronger in power than all the nuclear bombs put together, more lethal than the strongest poison, more demanding than any king, and more desirable than anything else on offer. It is, however, nothing more than man’s invention and nothing in God’s eyes yet it is the means to destroy us all.

Its power comes from our imagination while its poisoning of systems and destruction of resources is derived from greed. Its strength is aligned to power and control exercised by religions and governments. The desire for it is based on nothing more than the way man has structured society to depend on it for food, clothing, housing, and everything else.

The economic system is the brain-child of the Roman Empire. More specifically it came from Emperor Claudius Constantine, who established the Catholic church, started Christianity, built the Vatican, invented Jesus Christ, and murdered millions. He gained sole rule over the huge expanse of territories that were impossible to rule with just one man but he had a plan.

Contemporary authors noted that the plan was there from his childhood and when he seized the throne on the death of his father, Constantius, he worked to carry it out. What they did not know, nor has the world known, that he is 666 as described in Revelations 13:12-18.

Money, taxes, penalties, the law, and religious domination of entire countries are part of his legacy. Now the world cannot live without them because the economy is based on the same principles and religion and the law are so entwined that one cannot exist without the other.

This is the crux of the World Order which sanctions money as key to our lifestyles and success. Now it is destroying the planet as habitats are destroyed, resources are dwindling, and population increase is heading to complete disaster. While people are looking for someone to pop up wearing the numbers 666 they should look back to the beginning of our era.

Following my reincarnation, the knowledge that came with me is such that the roots of religion in sun-worship stand out like neon lights. Nothing people do now is much different to what they did then except that we have gotten better at it. When requested by the Spirit to tear down the wall of blindness, which happened in 1984, the size of that barrier to truth and life was shown to me in visions.

No one has the ability to circumvent or penetrate it unless given the means to do so by the real God, the Spirit of the Universe. It was promised to happen before the last days and by all accounts that time has arrived. Money is man’s folly and it is destroying the planet.

The Unstoppable Financial Crisis Is Happening Now

fn19The world is on the brink of a major financial crisis that no one can fix and it has to do with greed, the super-wealthy, and the Chinese economy. While the rumble has gone on for some time we may now be about to witness the cave-in of the main system at the heart of the World order. Money is an invention that started with the Roman Empire and trade followed by a method of taxation that allows governments to seize a portion of income earned.

This called for records to be kept regarding money transactions and long before there were banks there was corruption and the hiding of deals that might incur a debt to the government. Over time the rich got richer and the poor got poorer. That has never changed and the ‘upper classes’ were able to virtually steal labour and their strength directed politics.

It led to the slave trade and then indentured labourers, share farmers, and a host of other systems that saw the wealth at the top increase to the point where now we are in a situation where the top is too heavy to support the bottom. This ship is spinning and it is sinking beneath the waves of corruption and destruction.

As the playing field shifted and those who were previously on the bottom of the ladder suddenly rose to the top their need to hide money seemed to take over the entire financial system. Many put their wealth into off-shore tax havens and this has drained countries of tax revenue they need to run services. We already see bankrupt countries emerging, such as Venezuela where people are now starving and the economy is in ruins.

Add to that the uncertainly of a volatile situation in the oil producing countries of the east and the terrorism that is costing governments fortunes to stay alert while terrorists can strike anywhere at any time. This is obvious from the shooting in Orlando, Florida, where a gunman got into a nightclub and opened fire killing dozens and injuring dozens more.

China is a threat to the world’s economy as its yuan is posing a major problem. While it is known to be overvalued the wealthy within the country stand to lose fortunes if the government acts to decrease it. The stock market has already plunged a couple of times with the props hastily put in place to save it now buckling under the strain.

It is not a case of if but when the next financial crisis will happen and this time there may be no recovery. The bricks on which the economy stands are already crumbling making it a safe bet that it is happening now and gaining momentum.

Money Is the Poisoned Carrot That People Feed on

fn18Over and again the term ‘money’ draws far more readers to my articles than any other. It is the magic that runs the World Order and the nourishment that builds strength in communities and nations. Yet, it is nothing but a dream and a concept of evil that emerged from the two beasts of Revelation and its purpose is to destroy the world. Anyone who has a debate with that concept needs only to look around at what is happening now.

Climate change and global warming are the big items, but not the biggest. The potential for the war of all wars is looming and the total collapse of the financial system is but a matter of time. Because it is based on nothing more than a concept of exchange and the transfer of goods for credit it was always doomed to failure.

No one gets ordinance such as bombs, guns, aircraft, drones, army supplies, ships, and other things without it. Likewise, no one goes into a forest and cuts the trees down unless there is money as a reward. Yet again no one fishes out the oceans unless there are customers for the produce while the unwanted by-catch is discarded as waste. And who digs up mountains and transports tons of metals and other things around the world for anything less than money?

Making money is in the heart and mind of most who think little about the after-effects of their actions. They are only one in millions doing the same so how can their little bit affect anything? The answer to that is to watch a nest of ants. Each little ant can only do so much as it chops up something tasty for its community. With millions of them doing the same the prize is soon gone.

Humanity has reached such a proportion that it is a matter of a short time before all of the earth’s commodities are consumed. This is happening now as the fish stocks in the ocean are pushed to breaking point. Animals dependent on jungles to survive are also facing extinction. In their place horrible things have emerged to spread the poison. They include drugs, corruption, slavery, deadly viruses, diseases, and ultimately starvation, to name but a few.

The carrot is fast disappearing as hoarders take far more than they need while many get nothing. God is ultimately to blame! The beasts were sent to create this very situation and they did it through religion. That has bound people to follow in the footsteps of false gods and prophets that are also inventions to push the communities to the limit.

With memory of my reincarnation it is my opinion that everyone who has lived is back and again religion has brought this about by its dogma. Judgment is occurring now and those who have put money ahead of their spirituality are paying the price. No matter how rich one is they cannot escape the wrath of God.

Money and the World Order

fn17The systems that run the world are all based on money and exchange of goods for a benefit. This is easy to see when one goes to a shop and purchases goods and pays for them with the method of exchange in that area. It is not so easy to see, however, when one pays for something and the return is invisible. That happens in religion, for instance, whereby promises are made that after-death one will receive the entitlement.

It is at that point that magic enters the equation and in today’s world more things are based on promises than on reality. Arguments persuading one to part with their money are now covered by tertiary studies and economic degrees. The goal is making money circulate and that can be at any cost to either an individual or society in general.

What does one achieve when paying for a ride on a Merry-go-round at a local Fair? Or when taking a plunge over a cliff in a Bungy type experience? The only thing returned is a small rush of adrenalin that becomes addictive and makes the partaker want more of the same. These things are, however, counted as business enterprises and they are incorporated in the World Order.

Anything that gives a moments pleasure, or adds a little to the entertainment of the brain is good business. People will often pay more, therefore, for these things than for food for their body. Drugs, alcohol, and gambling are high on this list and they are all supported as they take money from pockets and savings and spin it out through the community.

The bottom line is the World Order is constructed on money and unless it flows throughout the communities it becomes stagnant and the structure it supports will fail. Governments are forever vigilant and they must ensure that their policies focus on helping the business sector over those that would stagnate the economy.

In countries where this is not the case the state can fail and this is happening now in some areas where the business sector is at a standstill or almost so. Recent examples include Venezuela, where the economy is almost non-existent and now Rio, the city that will soon host the Olympics Games, that has declared itself bankrupt.

It is obvious that many countries are fighting to stave off similar collapses as the World Order is rocked by an uncertain economic outlook. World-wide jittery nerves are watching with interest as the value in shares topple and financial systems struggle to overcome over-value in their currency and over-spending on things that may not save them, such as defense and wars.

Money and the Death of Planet Earth

fn16If there are future generations after this one, when all seems hopelessly in danger, what might they say to those who are driving the earth to the point of death? We don’t need to see more of the devastation to know what is happening. What will more documentaries like those now showing the danger we are in do for anyone? We know how many species are being destroyed, how over-fishing of the oceans is bringing them to a point of collapse, how polluted the atmosphere.

There is only one thing that is more important in the eyes of most and that is making money. The mindset that by taking just a little more will do no harm, or that it is not the business of individuals that is at fault, nor could it possibly be the result of the super large families of some who have no limits.

As the earth buckles under the pressure and millions flee the conflicts that usually follow such a huge population explosion like we are now experiencing who is it really that is to blame? Surely one would look to a high power, the Creator in fact, who is in charge of all things.

That power for me is the Great Spirit of the Universe whom is expected is in charge of all things and everyone on the planet. This thought comes because of my reincarnation and knowledge that the things man believes in, such as heaven and hell, do not exist. What is reality, however, is that we are in crisis and money and the death of the planet go together.

Money and Wealth in the Last Days

fn15When I was growing up now many years ago there were no millionaires in our Australian society. Everyone was struggling to make their pay packet stretch from week to week as their children grew and were taught to respect the environment and the things we had. Recycling was part of it and my grandmother, who had gone through the 1930’s depression, would save every piece of string and paper bag that came her way.

These habits passed down to me and my siblings. We were taught to switch off lights that were not in use, to make our own clothes, do our own repairs, and most of all enjoy what we had and not go after things out of our reach. We learned to be practical and that things like vegetables are better when grown in your own garden than purchased in a shop.

Between the 1960’s and 1970’s a revolution took place. We were not really aware of it for some time but the effect on life and the economy was profound. Suddenly people learned how they could make money aside from working for it. It’s called investing in the future. Real Estate became the key to ownership and words like ‘portfolios’ entered the vocabulary.

Australia still ploughed on sifting through the shock to our ego that this country was not seen as ‘great’ by others. We became conscious of it and asked strangers from overseas what they thought of us. While they mostly had nothing but praise there were things they pointed out that hung like an albatross around our necks.

We were simply behind the times. Late night shopping had not yet arrived, and week-end trading was beyond our comprehension. There was still many things we were not privileged to know as the government kept the lid on things. But when I travelled overseas in 1979 I caught a glimpse of what was coming.

Tiny houses that matched the garage in most Australian homes was all that many had to live in around Naples and they farmed on the land around it that was no bigger than a normal size suburban block back home. In the North in places like Cannes and Monte Carlo homes were suddenly huge and people were rich beyond measure.

The beautiful wine fields in Tuscany and the snobbery of many who looked down on this traveller with her 2 children was very off-putting. Australia was a country when snobbery and wealth brought you no friends while the more money you had the less you were liked. Now it is just the opposite.

Since the turn of the Century and the Olympic Games in Sydney the country has become like those I travelled in overseas. It wealth, money, and celebrity status that now directs one’s popularity as we are in the last days. This is known to me because of my memory of reincarnation and knowledge that everyone is back who has lived before. We are facing the ultimate test and not many are in a position to pass it.