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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>cjmpaln.info</title> <atom:link href="http://cjmpaln.info/feed/" rel="self" type="application/rss+xml" /> <link>https://cjmpaln.info</link> <description></description> <lastBuildDate>Sun, 05 Nov 2023 23:00:04 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Features Of A Business Telephone System</title> <link>https://cjmpaln.info/features-of-a-business-telephone-system/</link> <comments>https://cjmpaln.info/features-of-a-business-telephone-system/#comments</comments> <pubDate>Fri, 05 May 2023 13:05:54 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[body systems]]></category> <category><![CDATA[chop suey system of down]]></category> <category><![CDATA[lonely day system of down]]></category> <category><![CDATA[operating systems]]></category> <category><![CDATA[organ system]]></category> <category><![CDATA[organ systems]]></category> <category><![CDATA[solar system]]></category> <category><![CDATA[system]]></category> <category><![CDATA[system of down]]></category> <category><![CDATA[system of down byob]]></category> <category><![CDATA[systems]]></category> <category><![CDATA[systems not goals]]></category> <category><![CDATA[systems thinking]]></category> <category><![CDATA[systems vs goals]]></category> <category><![CDATA[toxicity system of down]]></category> <category><![CDATA[writing systems]]></category> <guid isPermaLink="false">http://cjmpaln.info/?p=55</guid> <description><![CDATA[One of the most important components of organizations is their business telephone system. Without communication, businesses are unable to carry out their business activities. Therefore, the telephone systems must be perfect enough to be used and must incorporate all those … <a href="https://cjmpaln.info/features-of-a-business-telephone-system/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> One of the most important components of organizations is their business telephone system. Without communication, businesses are unable to carry out their business activities. Therefore, the telephone systems must be perfect enough to be used and must incorporate all those essential features which are required by the organizations. This article mainly discusses the features which must be found in an efficient system.The FeaturesA telephone system must be such that it adds value to your business too. Therefore, the system must be integrated with some essential features. Different brands offer different features. It is important that you must know the complete information regarding the features. Here is a list of the features that must be present in a perfect and valuable system.<br />The first essential feature is that of auto attendants. These systems are equipped with auto attendant features which let these systems work as a receptionist for the callers. They take the calls automatically and direct the caller to enter the right number to reach their desired extension. This saves time of the attendants who are busy in taking other calls of the callers.<br />Most of the business telephone systems have conference call features too. This lets more than two conferences to carry out at the same time. There are some systems which allow the conference of only two extensions at a time. However, such systems have also been manufactured which allow the conference of more than two calls as well. Most of the systems offer the feature of internal extension conferences. If you want external conferences, then you will need to ask for that.<br />The systems have automated directories integrated in them. This feature allows the caller to see the extension of the employee. This can be done by entering the first three letters of his name.<br />The voice mail feature lets you leave a message for the employee who is unavailable at a time. Some of the systems also allow third-party voice mailing option too.<br />Call hold feature is present in all the business telephone systems. This feature puts the caller on hold when the attendant is busy in dealing with other people on calls. This is an automatic system.<br />Then there is a call forwarding feature which takes the call and then forwards these calls to the other extensions if required.<br />It has a speed dial option which saves the time of the employees in dialing the number of people manually.<br />Redialing option is also available on these systems. Instead of dialing the numbers all over again, this system lets you dial the number again immediately.<br />Music on hold is another feature which is present in the systems too. The music automatically gets played at the time when a caller is placed on a hold when an employee is busy in attending the other calls. This gives something to the visitors to listen to while they are waiting for the call to get attended.<br />Power back option helps to provide sufficient energy to the system when there is a power outage by chance.<br />The advanced features of the telephone systems will cost you a lot more money but these features are worth paying for. The main advanced features present in the business telephone systems are remote location, follow me and Computer Telephone Integration.<br />These are some basic features of telephone systems for businesses. If you are planning to buy one, then don’t forget to check if all these features are present in your system or not. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://cjmpaln.info/features-of-a-business-telephone-system/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Evolutionary and Philosophical Insights Into Global Education</title> <link>https://cjmpaln.info/evolutionary-and-philosophical-insights-into-global-education/</link> <comments>https://cjmpaln.info/evolutionary-and-philosophical-insights-into-global-education/#comments</comments> <pubDate>Fri, 05 May 2023 10:50:09 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[american education]]></category> <category><![CDATA[dp education]]></category> <category><![CDATA[education]]></category> <category><![CDATA[education american]]></category> <category><![CDATA[education reform]]></category> <category><![CDATA[education system]]></category> <category><![CDATA[educational]]></category> <category><![CDATA[educational video for kids]]></category> <category><![CDATA[educational videos for kids]]></category> <category><![CDATA[motion education]]></category> <category><![CDATA[public education]]></category> <category><![CDATA[samurai education]]></category> <category><![CDATA[sex education]]></category> <guid isPermaLink="false">http://cjmpaln.info/?p=53</guid> <description><![CDATA[I know that I know nothing – ipse se nihil scire id unum sciatHe himself thinks he knows one thing, that he knows nothing (Socrates)Education is learning what you didn’t even know that you didn’t knowThe word education is derived … <a href="https://cjmpaln.info/evolutionary-and-philosophical-insights-into-global-education/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> I know that I know nothing – ipse se nihil scire id unum sciatHe himself thinks he knows one thing, that he knows nothing (Socrates)Education is learning what you didn’t even know that you didn’t knowThe word education is derived from the Latin term ‘Educatum’, which means the act of teaching or training or to lead out. In a wider context, however, it penetrates and influences almost every aspect of our lives, from birth onwards. Education affects what kind of people we and our families will become.Education is everywhere and it is supposed to be available for everybody. We can read, hear and see education and its diverse multi-cultural and multi-media implications and implementations in books, theatres, films and advertisements, as well as in kindergarten, schools, and universities, at work, all over the Internet and in all aspects of daily life. Across the world media are saturated with a variety of educational information, research reports and teaching methods.Our need for education is increasing rapidly. The basic need is significantly enhanced by the advancement of science and technology. In other words, advances in science and technology mean that the workforce needs to be better educated.<br />Educational systems worldwide are changing in an attempt to meet this demand, supported by governments and private providers.Meeting the increasing demand for education requires novel methods and sometimes unorthodox approaches to transferring knowledge to the next generation.The most significant changes in educational systems occurred during the last century although change has been continuous from the very earliest times.Education, religion and morality are the most significant components of human society. In this work the terms religion refers to all religions, as we will not discuss the differences between Christianity, Judaism, Islam or any other religions; neither will we discuss the influence of specific religions and their associations with particular ethnic groups.The discussion here focuses on the impact of religion and morality on education and on the relationships among them.Throughout human history religion has had considerable impact on our way of life and societies throughout the world have benefited from education and knowledge.Religious leaders are concerned about the increase in secular scientific education as they believe it may have a negative impact on religious faith. This concern is corroborated by social scientists who argue that educational and scientific advancement can lead to reduction or even loss of religious faith.My observations indicate that there is a clear asymmetry between biblical literalism and secular education. A biblically literate qualified person will not be as open to carrying out or accepting the findings of secular scientific research as his or her counterpart. In other words, a scientifically literate individual will be more open to, and accepting of biblical studies than a biblically literate person would be with respect to scientific knowledge and research.This asymmetry is obvious in many mixed societies, such as Israel. This observation also suggests that a person who has had a secular education is more inclined to absorb biblical influences than the biblically literate person to absorb secular influences.We face several problems when we investigate religion and morality, especially when dealing with the claim that there is a conflict between the two. It is sometimes claimed that morality is embedded in religion, or that religion is moral, but a moral education does not have to be a religious one.There are, of course, obvious differences between religion and morality, especially with respect to their objectives and aims. The purpose of moral education in schools is to nurture virtue and to start a cultural conversation about certain moral issues, which are part of our traditions.In modern times education has become dependent on economic and technological developments.However the essence and the meaning of life come from morality and religion rather than materialism.Religious leaders argue that without a religious component to education we might lose our ability to discuss virtue, love, self-sacrifice, community duties and justice. The absence of religion from educational curricula is generating hostility amongst religious groups and may come to divide communities and start unnecessary cultural wars.Atheism asserts that there is no link between morality and religious behaviour and that we should therefore teach about morality without reference to religion. Religious groups demonstrate by their practices the falseness of the claim that morality is independent of religion and therefore there is no need to distinguish between them. By practicing the religious beliefs, there are many psychological influences in the morality arena. In other words, endorsement of religious beliefs entails a specific perspective on morality.After my family immigrated to Israel from Hungary I attended the religious school at the Orthodox Chasidic quarter of Bnei-Brak called Wischnitz. It was a small village named after Wischnitza, a town in the Ukraine. The teacher, who was also the Rabbi complained to my father that I was disturbing the peace by constantly asking questions. I couldn’t accept the Rabbi quoting from the Bible, “Naaseh V’Nishma”, which means “first we’ll do and then we’ll hear and understand” or, in plain English,<br />“Just do what I tell you to do, explanation will follow”… I wanted the explanation first…History clearly demonstrates that there is a compulsion to bring religion and morality or the lack of it into politics and that this makes for a dangerous combination. One of the reasons for involving God in fights, conflicts and wars is to unite as many active and non-active believers behind one’s cause, whatever that may be.Let us illustrate this with a small-scale example. Assume that in a small village somewhere people have blond, black, red or white hair. The four hair colours are distributed evenly among the people of the village. The blonds don’t like the blacks. The blacks don’t like the whites and nobody likes the reds, so there is complete harmony…The only thing that unites the blacks, reds and whites is their religion; they believe in EGO God Almighty, whereas the blonds consider AGO as God. The villagers built two houses to worship these two gods.All the villagers have small farms on the same tract of land drawing from the same source of water. The blond men are more creative and invest their knowledge, money and energy in their farms, working day and night with their spouses in the fields. The rest of the village men are lazy, smoking pipes and playing cards; only black, red and white women work in the fields.One day two neighbours, a blond and a black have a dispute over garden pests.<br />It is nothing serious and it should be resolved quickly and amicably, but it escalates into a big fight involving some of the protagonists’ neighbours.The reds and the whites just smile, as they are not involved in the conflict and don’t like either the blacks or the blonds.The case is eventually brought to court and a jury composed of equal numbers of blonds, blacks, whites and reds is selected. During trial the blond farmer claims that snakes, scorpions and other pests from his black neighbour’s farm are destroying his garden, getting into his house and endangering his children. He says that he has several times asked his black neighbour to deal with the problem but that his neighbour just ignored him. To prevent the problem getting worse the blond farmer built a fence. Now his black neighbour is suing and asking that he be ordered to take the fence down as it disturbs the neighbour’s view and stops the neighbour walking through his yard as he was won’t to do.It becomes obvious that the judge and the jury are going to support the blond farmer’s case and so the black farmer plays his last card. He claims that he has been unable to worship EGO because of the fence. He also claims that the blond farmer not only doesn’t believe in EGO, but has also been cursing almighty God and that if all the blonds were to build fences this would make it difficult for anyone to worship EGO. Religion unites the majority of the jury against the blond and he loses the case.<br />As long as the case was a local dispute between neighbours about responsible farming, it could be resolved by the parties directly involved. However when it became a religious issue, it involved and united villagers behind their respective faiths. They were prepared to do a lot to achieve their goals, especially if their actions were supported by their religious leaders.I had a religious and conservative education, and later a scientific and secular education and this has led me to believe that moral education must be separated from religious education if it is to be rational, independent and free.Religion and morality should be taught in an agreed and appropriate manner if societies are to be healthy, strong and harmonious.The signing of the Magna Carta (Great Charter) on June 15th 1215 was an important education-related event. The charter was agreed between King John of England and a group of rebel barons as part of peace negotiations. It guaranteed that the rebel barons would not face imprisonment, promised them justice and exemption from certain taxes and payments levied by the crown.The parties did not honour their respective commitments and later the charter was annulled by Pope Innocent III, leading to the First Barons’ War.<br />It is interesting to note that the mistrust between the parties was such that the barons insisted that the agreement should be written. They realised that oral promises would not hold.These events took place at a time when the vast majority of the population was illiterate. The production of such a detailed written chart was therefore a significant achievement.Magna Carta, which was a political agreement, has become an international symbol of freedom. Its consequences can be seen in later English history, the history of the United States, and the modern world. It has been researched, quoted and used by lawyers and historians ever since it was written. Magna Carta was an influence on the American colonists and the American Constitution which was written in 1787 and became the supreme law of the United States.Analysis of the foundations of American colonial education in the seventeenth century makes it clear that the education system was significantly influenced by European teachers and intellectuals. This is not surprising as the early colonisation of America was mainly by Europeans. They believed that the primary goal of education was to save souls and so most education was based on the scriptures. The first schools to be established followed the Puritan tradition. Some groups of European immigrants tried to maintain their religious beliefs, morals and even their original language.Teaching was informal and performed within the family circle, usually from books and publications with basic references from the Bible.<br />The change from theoretical to practical and more up-to-date education began during industrialisation in the nineteenth century.It was illegal to educate slaves, but although this law was applied more strictly in the South it was not universally adhered to.Most schools were for boys only and girls were educated at home or in all-girls schools where they learned domestic skills such as sewing and cooking.<br />If one could read one could be a teacher. Teachers were using the Old and the New Testaments and students were required to memorise as much as possible. Bible knowledge was the measure of success.Teachers were responsible for inflicting harsh corporal punishments on all those who couldn’t follow their instructions.At about the middle of the nineteenth century education was enhanced by use of dictionaries and limited maps of world geography. The curriculum was extended to include certain patriotic and moral subjects in order to unite students behind American nationalism and instill in them a shared set of virtues.Two hundred years later there were significant evolutions and revolutions in the education systems of the USA.A lot has been done to improve the USA education but a lot remains to be done. The graduation rate should be higher, particularly among Black and Hispanic students. The number of dropouts is too high and at present too many students fail to graduate on time. Teachers should be more highly qualified and should be paid more to attract and retain better quality teachers into the profession.This is very important as the quality of teaching is one of the main determinants of educational success.In general, high schools should be responsible for educating and preparing students for after graduation studies. This phase of education is critical to students’ futures and to the future of the nation.Civic education is essential if future generations are to understand, be familiar with and cherish democratic values.The last decade has seen the advent of the Internet, social networks and other technological innovations and a decaying of our morality. Materialism is the new religion and the aim of education has become the generation of financial wealth. This has resulted in certain professions being neglected in favour of others. Subjects such as law and certain technologies are now favoured over social and moral studies.We cannot distinguish between money and education. Most of us seek to acquire an education in order to earn more money, which will enable us to have a better life. This is the logic which governs basic and intermediate levels of education; however a lot of money is required to access higher education at famous, affluent universities and institutes.This is one of the reasons for the polarisation of societies, the process by which the rich become richer and the poor become poorer.The rich and famous are heroes and role models, to be followed and envied; at least that used to be the case, today things are changing.Television, reality shows and advertisements are shaping the minds of our young children. The distance between parents and children and parental supervision has changed as well. The increasing availability of previously censored material such as pornography has a negative effect on our children’s development and their understanding of right and wrong.Certain forms of education or lack of education have a devastating effect on our society. Analysis of the origins and causes of violence, terror, robbery, murder and other crimes indicates that bad education, lack of education and ignorance are major factors.The porn industry requires ever-changing faces and employs or rather exploits many young girls, mainly aged 18-21 years or younger. These girls come from middle or lower class families living in small towns and villages; some of them have been abused by family members or neighbours, some are runaways and never finished school. Most of them spend only a very short period of time in the porn industry, but that short period changes the rest of their life for the worse.The economic law that where there is a demand there will be a supply suggests that there will be an endless supply of young girls coming to work in the industry.<br />Legislation will not eliminate this industry, but with the help of parents and schools it can reduce its size and power.Most social studies put the blame and the responsibility for those girls’ exploitation mainly on their parents. Involved parents, especially a strong father, are very important to prevent those girls to leave home. Parents should enforce appropriate rules and create an environment where certain behaviours are not tolerated. In educating the next generation we, as parents, must set the rules in order to preserve our beliefs and morality.It is acceptable and even predictable that we will have questions about everything we encounter in our earthly life. The love of wisdom or philosophy leads us to philosophise about our way of life, the many problems we encounter, our values, our existence and our possible future.The future is unpredictable; however, it is possible to guess at likely developments in the educational area. The application of technology to educational processes and models has the potential to revolutionise current educational methods.Implanted and wearable devices are another exciting application of technology. In the future, at a higher level of the scientific applications in education we may see nano-robots acting as teachers in higher education.Developments in genetic engineering may enable certain educational capabilities and maybe even knowledge to be embedded or engineered at gene level so that the individual is guaranteed to be smart or intelligent.At present we can only imagine what such technological developments would do to global educational systems and teaching methods.Unfortunately, when evil and ignorance meet we have what I call a social bomb. The nineteenth century German philosopher Friedrich Nietzsche believed that evil had a negative effect on human behaviour. Evil is promoting those humans that are weak in spirit and it will suppress the strong ones. He claimed that evil arose out of the negative emotions of hate, jealousy and envy. Ignorance is often used as an excuse for evil deeds or behaviour which causes harm without justification. This excuse depends on the assumption that we are not responsible for our ignorance. Some would argue that evil is actually ignorance that is generated as a result of self-deception.I would argue that the only way to reduce threat posed by this ‘social bomb’ is to educate people in order to reduce ignorance and self-deception.I am worried about the next generation. Society must tackle the extreme inequalities between the rich and the poor, the educated and the uneducated and the increase in racism.Children of affluent or upper-middle class families do not have the necessary and expected motivation to learn. Sometimes they display a reckless disregard for education whilst also neglecting their physical appearance and health. Increasing consumption of junk food and lack of physical exercise will lead to significant health problems in the future. We are already seeing rises in obesity, use of alcohol and drugs and other health problems in young people. These and related consumption behaviours will have an impact on global warming and the extent to which the earth is subject to a greenhouse effect. We must educate the next generation so that they have the multidisciplinary understanding needed to save our planet, earth, which is essential to our future survival.We also have to improve our interpersonal relationships and accept the different and the unusual. Respect and tolerate all humans and living creatures: Love Thy Neighbour. </p>]]></content:encoded> <wfw:commentRss>https://cjmpaln.info/evolutionary-and-philosophical-insights-into-global-education/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Even With Credit Problems… You Can Get A Loan Within 30 Days, If You’re Willing To Work At It</title> <link>https://cjmpaln.info/even-with-credit-problems-you-can-get-a-loan-within-30-days-if-youre-willing-to-work-at-it/</link> <comments>https://cjmpaln.info/even-with-credit-problems-you-can-get-a-loan-within-30-days-if-youre-willing-to-work-at-it/#comments</comments> <pubDate>Thu, 04 May 2023 08:36:48 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[auto loans]]></category> <category><![CDATA[bank]]></category> <category><![CDATA[bank loan]]></category> <category><![CDATA[best loan app]]></category> <category><![CDATA[car loans]]></category> <category><![CDATA[home loan]]></category> <category><![CDATA[instant loan]]></category> <category><![CDATA[insyant loan]]></category> <category><![CDATA[loan]]></category> <category><![CDATA[loan app]]></category> <category><![CDATA[loan apps]]></category> <category><![CDATA[loan for iits]]></category> <category><![CDATA[loan scam]]></category> <category><![CDATA[loan shorts]]></category> <category><![CDATA[loans]]></category> <category><![CDATA[low interest loans]]></category> <category><![CDATA[personal loan]]></category> <guid isPermaLink="false">http://cjmpaln.info/?p=51</guid> <description><![CDATA[A wise friend once told me that *extraordinary people* are just *ordinary people* who do extraordinary things.It’s the same way with loans. People that get loans after being turned down are not extraordinary people, they are ordinary people who do … <a href="https://cjmpaln.info/even-with-credit-problems-you-can-get-a-loan-within-30-days-if-youre-willing-to-work-at-it/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> A wise friend once told me that *extraordinary people* are just *ordinary people* who do extraordinary things.It’s the same way with loans. People that get loans after being turned down are not extraordinary people, they are ordinary people who do extraordinary things to get their loan.Here’s an example of what these extraordinary things could be for those that may have been previously turned down for a loan or that may have credit problems:-Correcting incorrect credit issues-Getting good advice and sticking to it-Not giving up if the first lender says “no”Keep in mind that this article is not designed to replace financial or legal advice. If you need financial or legal advice, you should seek the services of a competent professional.There is a lot of information about personal loans that is just plain … wrong! It is our desire to set the record straight here.We are also sick of how the credit bureaus seem to think that they are the ultimate authority as to who can get a loan. If you don’t agree with the credit bureau–you can forget about any chance of getting a loan–or so they say.There has to be a solution somewhere.Some of you reading this have more extended credit problems that you have to deal with every day. I know that it is not fair that you are continually punished with excessive interest rates and loan turndowns.Why Credit is So Important TodayIf you have good credit, it seems that you can walk into any store and say *charge it* and walk out with hundreds, if not thousands, of dollars of merchandise.For millions of Americans, good credit like this seems so hard to attain. Many of us are able to start off with credit cards and loans–but over time, an emergency comes up and causes us to get behind on a payment.In many cases, we find a way to financially recover, but the credit damage lingers on for a long time. Once this happens, everything you purchase on credit costs a lot more.If you have ever desired to be debt free, it is important to have the best credit possible. That way you do not have to pay extra for everything and the money you spend goes to pay down debts as quickly as possible.If you have credit problems and are applying for a loan, one of the best things you can do is prepare a list of the loans and credit cards you have paid off in the past. Give this list of good credit references to the lender when you submit your application.This will help the lender in the loan decision because many credit reports do not list your good credit or *on-time* references. However, when you are late with a payment that information shows up quickly.More and more lenders are finding ways to help people that don’t *fit in the box.* But there are still millions of people that are turned down for a loan each year. It is those people that we want to help by giving them the ability to get a fair shot at rebuilding their credit and getting loans.The first thing to do in rebuilding your credit is to get a credit report from each of the three major credit bureaus: Experian (TRW), Equifax and Trans Union. Check each report carefully for errors and any derogatory information.Do not get a tri-merged report where all the information is combined from these three credit bureaus. A tri-merged report makes it hard to distinguish which credit bureau reported which individual item.If you tell one credit bureau about a disputed item that is on a different credit bureau’s report, you may now find that both credit bureaus will report it–leaving you worse off than before.When you get your credit report, you will also receive paperwork that will allow you to dispute incorrect information. Fill it out and send it to each credit bureau for any inaccurate information being reported.The following list shows the rank of derogatory information in order of damage caused. The hierarchical ordering, from most damaging information to least damaging, is as follows:BankruptcyForeclosureTax LiensDefaulted LoansRepossessionsJudgmentsCollectionsLate mortgage paymentsLate revolving credit paymentsCredit RejectionsInquiriesWhen you get credit reports from each of the three bureaus, you will find that some of the questionable information is duplicated on one or both the other credit reports, but not all will be.It is very important that you dispute each questionable item individually.If you try to dispute *several items* at the same time, the credit bureau may claim that your request is frivolous and refuse to investigate it.Creditors do not have to report to the credit bureau. So if you dispute an item and the creditor does not verify it, then the item will be removed from your report. The credit bureau has 30 days to verify the information.Personal Loans DefinedYou see the term personal loans used by a lot of different lenders. Each lender may have a different idea of what a personal loan is.Some lenders define it as a small loan secured by real estate. Some lenders define it as a small loan secured by an asset. Some look at it as a loan only secured only by your promise to repay (a signature loan).When working with a lender, you need to decide what it is that you will use to reassure the lender you can repay the note.Keep in mind that it is easier to get a loan secured with real estate if you have credit problems, than it is to get an unsecured personal loan.Once decided, you need to only work with lenders that handle the type of loan you are looking for.For Credit ProblemsIf you have credit problems, your choice of lenders is very narrow. Your best bet is to contact lenders and explain your situation, then see what they say.Also ask your friends who they have gone to for loans, you might find a good introduction to a loan officer that way.Getting Personal LoansThe application process for personal loans is fairly simple and you can usually have an answer within minutes of applying.Be sure you bring the following information with you (or you may already have some of it memorized):–Current and Previous Address–Social security number for yourself and spouse–Salary information & paycheck stubs–Two years’ tax returns (if self-employed)–Drivers’ license and vehicle information–Employer address and length of employment informationApplying for a Personal Loan if you Have Credit ProblemsIf you have credit problems, you may already be aware that the process becomes more complicated.You’ll have to explain what the situation was that caused the credit problem and then see if the lender will go for it.If you have credit problems, do not apply for a loan until you get your credit report into the best shape possible. Otherwise, what happens is that when you apply, it creates an inquiry on your credit file and when subsequent lenders see that inquiry it makes it harder to get a loan. In other words, each lender will think, “why should I give you a loan when XYZ company down the street turned you down?”If you need the loan quickly, and have credit problems, you are limited in what you can do. One of the best things we have found is to go to lenders that you have loans with currently and ask for an increase in the credit line you have. This works best for lenders where you have an *on-time* payment history.Explain the situation to your lender and that you want to try to keep any credit problems from getting worse.If this doesn’t work, your next move is to go to lenders that you had loans with in the past. Ask them if they can reopen a line of credit. Many lenders prefer to work with previous customers than having to find new ones.If you have credit problems, getting any type of loan becomes very difficult. That is why we created http://www.Access2Loan.com because we believe everyone has a right to borrow money.Common Problems in Applying for a LoanThe most common problem when people are turned down for a loan is from credit related items.For example, one of our members had someone else’s bad credit on his report. He did not find out until he went to apply for a loan and was surprised. In his first dispute, the derogatory information was not removed. Afterward, he checked with us. We told him that he needed to send a dispute to both the creditor and the credit bureau and that he needed to send copies of proof of payment. We also showed him what to do if that did not work. Fortunately, it was removed by following our advice and at last report he was approved for a $4,000 computer purchase.Another problem is in verifying income. Many lenders will only consider income coming from a source that is at least two years old. What you can do to overcome this is to show paycheck stubs and bank statements covering several months.Another problem is in understanding exactly when it is that you are applying for a loan. I know this sounds funny, but many lenders have made it look like you are preapproved when in fact, you are not.For example, one nation-wide loan company is known for sending out letters stating that you are *pre-approved* for $3500-$5000. When you go in to get the loan check, they tell you that they will need some verification information so they know who they are giving the check to. They then ask you enough information to run a credit check (without telling you) and decide how much you can borrow. This is different than what many people would *expect* for a pre-approved offer.Because they do not tell you about running a credit check, it can hinder your ability to get a loan somewhere else–because of the added inquiry.If you have credit problems and still want to try for a loan like this, insist on seeing the manager before applying and tell the manager your situation and ask what options are available.Don’t let anyone run a credit check if you do not have a chance for approval-any more than 5-6 inquiries in a 6 month period will hurt your chances of getting a loan.If these sources don’t work, try the bank where you have your accounts. Some do loans, some only do credit cards, and sometimes you can use a credit card in a manner that you would with a loan. Your local bank may be willing to overlook a few problems, in order to keep your business. </p>]]></content:encoded> <wfw:commentRss>https://cjmpaln.info/even-with-credit-problems-you-can-get-a-loan-within-30-days-if-youre-willing-to-work-at-it/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Business Finance Funding Advice and Commercial Financing Help</title> <link>https://cjmpaln.info/business-finance-funding-advice-and-commercial-financing-help/</link> <comments>https://cjmpaln.info/business-finance-funding-advice-and-commercial-financing-help/#comments</comments> <pubDate>Thu, 04 May 2023 06:02:02 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Finance]]></category> <category><![CDATA[abc finance]]></category> <category><![CDATA[alan kohler finance report]]></category> <category><![CDATA[basic finance]]></category> <category><![CDATA[business and finance]]></category> <category><![CDATA[finance]]></category> <category><![CDATA[finance basics]]></category> <category><![CDATA[finance books]]></category> <category><![CDATA[finance comics]]></category> <category><![CDATA[finance degree]]></category> <category><![CDATA[finance kya hai]]></category> <category><![CDATA[finance major]]></category> <category><![CDATA[finance meaning]]></category> <category><![CDATA[finance news]]></category> <category><![CDATA[finance report]]></category> <category><![CDATA[finance stock]]></category> <category><![CDATA[finance update]]></category> <category><![CDATA[future of finance]]></category> <category><![CDATA[kohler finance]]></category> <category><![CDATA[learn finance]]></category> <category><![CDATA[personal finance]]></category> <category><![CDATA[public finance]]></category> <category><![CDATA[study finance]]></category> <category><![CDATA[types of finance]]></category> <category><![CDATA[what is finance]]></category> <category><![CDATA[yahoo finance]]></category> <guid isPermaLink="false">http://cjmpaln.info/?p=49</guid> <description><![CDATA[The Working Capital Journal is one of several commercial financing resources which should be reviewed regularly by small business owners to assist in keeping up with the imposing difficulties posed by rapid changes in the business finance funding climate. As … <a href="https://cjmpaln.info/business-finance-funding-advice-and-commercial-financing-help/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> The Working Capital Journal is one of several commercial financing resources which should be reviewed regularly by small business owners to assist in keeping up with the imposing difficulties posed by rapid changes in the business finance funding climate. As noted below, there have been some surprising actions taken by lenders as a direct result of recent financial uncertainties. The increasingly complex and confusing environment for working capital finance is likely to produce several unexpected challenges for commercial borrowers.The working capital finance industry has primarily been operating on a regional and local basis for many years. In response to cost-cutting that has permeated many industries, there has been a consolidation that has resulted in fewer effective commercial lenders throughout the United States. Most business owners have been understandably confused about what this might mean for the future of their commercial financing efforts, especially because this has happened in a relatively short period of time.Of course, for some time there have been ongoing complex problems for commercial borrowers to avoid when seeking commercial loans. But what has produced a new set of business finance funding problems is that we appear to be entering a period which will be characterized by even more uncertainties in the economy. Previous rules and standards for commercial financing and working capital finance are likely to increasingly change quickly, with little advance notice by business lenders.Business owners should make an extended effort to understand what is happening and what to do about it due to this realization that substantial changes are likely throughout the United States in the near future for commercial finance funding. At the forefront of these efforts should be a review of what actions commercial lenders have already taken in recent months. The Working Capital Journal is one prominent example of a free public resource that will facilitate a better understanding of the responses by business lenders to recent economic circumstances.By publicizing actions taken by commercial lenders, this will contribute to these two goals, both of which are likely to be helpful to typical business owners: (1) To highlight controversial bank-lender tactics with a view toward reducing or eliminating questionable lending practices. (2) To help business owners prepare for commercial finance funding changes. To assist in this effort, sources such as The Working Capital Journal are encouraging business owners to report and describe their own experiences so that they can be shared with a broader audience that might benefit from the information. Some of the most significant commercial financing changes reported so far by commercial borrowers involve working capital loans, commercial construction financing and credit card financing. A notable situation of concern is that predatory lending practices by credit card issuers have been reported by many business owners. Some specific businesses such as restaurants are having an especially difficult time in surviving recently because they have been excluded from obtaining any new business financing by many banks.One of the few recent bright spots in business finance funding, as noted in The Working Capital Journal, has been the continuing ability of business owners to obtain working capital quickly by business cash advance programs. For most businesses accepting credit cards, this commercial financing approach should be actively considered. Business cash advances are literally saving the day for many small business owners because most banks appear to be doing a terrible job of providing commercial loans and other working capital finance help in the midst of recent financial and economic uncertainties. For example, as noted above, restaurants are virtually unable to currently obtain commercial finance funding from most banks. Fortunately, restaurants accepting credit cards are in a good position to obtain needed cash from credit card receivables financing and merchant cash advances. </p>]]></content:encoded> <wfw:commentRss>https://cjmpaln.info/business-finance-funding-advice-and-commercial-financing-help/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>A Guide to Help You Pick the Best Air Purifier for Your Loved Ones</title> <link>https://cjmpaln.info/a-guide-to-help-you-pick-the-best-air-purifier-for-your-loved-ones/</link> <comments>https://cjmpaln.info/a-guide-to-help-you-pick-the-best-air-purifier-for-your-loved-ones/#comments</comments> <pubDate>Sun, 13 Nov 2022 09:21:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Available]]></category> <category><![CDATA[Help]]></category> <category><![CDATA[price]]></category> <guid isPermaLink="false">http://cjmpaln.info/?p=36</guid> <description><![CDATA[Holidays are around the corner. This is the time of year when people start purchasing gifts for their loved ones. If you are going to purchase an air purifier for someone you love, we have some helpful tips for you. … <a href="https://cjmpaln.info/a-guide-to-help-you-pick-the-best-air-purifier-for-your-loved-ones/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>Holidays are around the corner. This is the time of year when people start purchasing gifts for their loved ones. If you are going to purchase an air purifier for someone you love, we have some helpful tips for you. If you want to purchase the best unit, you may be able to use this guide to your advantage. Read on to find out more.</p><p>1: Set Your Budget</p><p>Just like anything you purchase, make sure you have set your budget first. The price of the unit will vary based on a lot of factors, such as the capacity, filter type, features, and brand of the unit. If you don’t have a flexible budget, we suggest that you go for a product that is available to purchase for less than $300.</p><p>2: Consider the Needs of the Recipient</p><p>Your next move is to consider the needs of your recipient. If you are going to purchase this unit for everyday use, we suggest that you go for a unit that comes with a HEPA filter. On the other hand, if your loved one has a specific need, we suggest that you consider a specialized unit.</p><p>For example, if they are more prone to respiratory issues, such as allergies and infections, we suggest that you get a UV purifier for them. The devices are designed to neutralize viruses and bacteria.</p><p>3: Think About the Available Space</p><p>Another primary factor is to consider the available space in the office or house of the recipient. For example, if they need a general-purpose unit for a small apartment, you may want to consider a filterless unit.</p><p>On the other hand, if they have plenty of free space, you may consider a bigger unit that features a higher airflow rating. These units are powerful enough to cover a large face.</p><p>4: Consider Extra Features</p><p>Lastly, we suggest that you consider additional features that they will just love. For example, some units come with an indicator that turns on when the filter needs to be replaced. This will allow the user to change the filter so that the device continues to work properly.</p><p>So, you may want to consider these features before you place your order. These features may not be important to you, but your friend may just be over the moon.</p><p>Long story short, we suggest that you consider these four tips if you are going to purchase a gift for your loved one on these holidays. Since the air is full of pollution during winter days, nothing can make a better gift than an air purifier. Therefore, you should consider these tips before looking for an online or physical store to make your purchase decision.</p>]]></content:encoded> <wfw:commentRss>https://cjmpaln.info/a-guide-to-help-you-pick-the-best-air-purifier-for-your-loved-ones/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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