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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></title> <atom:link href="https://globaltrendnewz.com/feed/" rel="self" type="application/rss+xml" /> <link>https://globaltrendnewz.com</link> <description></description> <lastBuildDate>Tue, 15 Apr 2025 12:27:17 +0000</lastBuildDate> <language>en-US</language> <sy:updatePeriod> hourly </sy:updatePeriod> <sy:updateFrequency> 1 </sy:updateFrequency> <generator>https://wordpress.org/?v=6.6.2</generator> <image> <url>https://globaltrendnewz.com/wp-content/uploads/2024/05/cropped-openmind-1-32x32.png</url> <title></title> <link>https://globaltrendnewz.com</link> <width>32</width> <height>32</height></image> <item> <title>4 Therapies to Help Improve Psychological Health and Mental Well-being</title> <link>https://globaltrendnewz.com/4-therapies-to-help-improve-psychological-health-and-mental-well-being/</link> <comments>https://globaltrendnewz.com/4-therapies-to-help-improve-psychological-health-and-mental-well-being/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Fri, 22 Nov 2024 12:22:03 +0000</pubDate> <category><![CDATA[Health]]></category> <guid isPermaLink="false">https://globaltrendnewz.com/?p=124</guid> <description><![CDATA[<p>17 ViewsFrom depression to anxiety, approximately 14% of people aged 60 and older worldwide live with a mental health problem. Declining physical health and function, loss of loved ones, loneliness and social isolation, abuse, caregiving responsibilities, and ageism can contribute to the development of these problems. Given that by 2030, 1.4 billion people worldwide—or 1 […]</p><p>The post <a href="https://globaltrendnewz.com/4-therapies-to-help-improve-psychological-health-and-mental-well-being/" target="_blank">4 Therapies to Help Improve Psychological Health and Mental Well-being</a> first appeared on <a href="https://globaltrendnewz.com/" target="_blank">https://globaltrendnewz.com</a>.</p>]]></description> <content:encoded><![CDATA[<div class='epvc-post-count'><span class='epvc-eye'></span> <span class="epvc-count"> 17</span><span class='epvc-label'> Views</span></div><p style="text-align: justify;">From depression to anxiety, approximately 14% of people aged 60 and older worldwide live with a mental health problem. Declining physical health and function, loss of loved ones, loneliness and social isolation, abuse, caregiving responsibilities, and ageism can contribute to the development of these problems. Given that by 2030, 1.4 billion people worldwide—or 1 in 6—will be 60 and older, it is important to identify strategies to improve certain aspects of <a href="https://globaltrendnewz.com/"><span style="color: #0000ff;"><strong>psychological health</strong></span></a> and mental well-being (1). Psychotherapies and alternative therapies such as mindfulness-based cognitive behavioral therapy, acceptance and commitment therapy, reminiscence therapy, and horticultural therapy are examples of strategies that work (2-5). Click on the links below to learn more about some areas in which these therapies can help.</p><h2>1.Mindfulness-Based Cognitive Therapy</h2><p style="text-align: justify;">Ready, set, meditate MBT involves identifying negative or false thoughts and replacing them with healthier, more positive ones, while mindfulness is a form of meditation that encourages being in the present (2; 6; 7). Research shows that MBT programs delivered by trained therapists can help prevent relapse in people with recurring depression (2).</p><h3>2. Acceptance and Commitment Therapy</h3><p style="text-align: justify;">Acceptance is the first step! Acceptance and commitment therapy involves accepting negative thoughts and feelings and using healthy activities to manage experiences. Research shows that acceptance and commitment therapy, delivered by trained professionals, can improve various aspects of caregivers’ psychological health. Examples of benefits include reduced symptoms of depression, anxiety, and stress, as well as increased mindfulness (3).</p><h3>3. Reminiscence therapy</h3><p style="text-align: justify;">Sharing is caring! Group reminiscence therapy involves sharing personal stories and memories with others. Programs led by trained facilitators are particularly beneficial (4). Additionally, in people with dementia, we also see small improvements in mood, as well as communication, cognition, and quality of life (8).</p><h3>4. Horticultural therapy</h3><p style="text-align: justify;">Grab your gardening tools! Horticultural therapy (or horticultural therapy) involves participating in gardening-related activities under the guidance of a trained therapist with the goal of achieving patient-identified goals (5; 9-11). Research shows that horticultural therapy can improve mood, particularly feelings of happiness, in healthy individuals. This is in addition to potential improvements in physical health and quality of life in certain populations. Further research is needed to confirm and expand on these findings (5).</p><p style="text-align: justify;">Those interested in trying these therapies may have concerns about accessibility and cost. In addition to in-person therapies, some therapies are also available online (12). Regarding cost, whether or not therapy is covered by provincial health plans, extended health plans, or private insurance may depend on who provides the service and where it is provided. Some therapies may be fully covered! Check with your insurance plan for details and speak to your healthcare team for guidance on how to access these services in your community and integrate them into a comprehensive treatment plan, which may also include medication (13;14). The Government of Canada also provides information on mental health resources available across the country.</p><p>The post <a href="https://globaltrendnewz.com/4-therapies-to-help-improve-psychological-health-and-mental-well-being/" target="_blank">4 Therapies to Help Improve Psychological Health and Mental Well-being</a> first appeared on <a href="https://globaltrendnewz.com/" target="_blank">https://globaltrendnewz.com</a>.</p>]]></content:encoded> <wfw:commentRss>https://globaltrendnewz.com/4-therapies-to-help-improve-psychological-health-and-mental-well-being/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Give the most beautiful gift for Valentine’s Day</title> <link>https://globaltrendnewz.com/give-the-most-beautiful-gift-for-valentines-day/</link> <comments>https://globaltrendnewz.com/give-the-most-beautiful-gift-for-valentines-day/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Tue, 22 Oct 2024 12:04:16 +0000</pubDate> <category><![CDATA[ Lifestyle]]></category> <guid isPermaLink="false">https://globaltrendnewz.com/?p=118</guid> <description><![CDATA[<p>15 ViewsWhat will be the best surprise gift for Valentine’s Day this year? This year, you’ve decided to treat your other half for Valentine’s Day by giving them a gift that reflects your feelings . You want to do things in style, but don’t know where to start? Here are some ideas to make this […]</p><p>The post <a href="https://globaltrendnewz.com/give-the-most-beautiful-gift-for-valentines-day/" target="_blank">Give the most beautiful gift for Valentine's Day</a> first appeared on <a href="https://globaltrendnewz.com/" target="_blank">https://globaltrendnewz.com</a>.</p>]]></description> <content:encoded><![CDATA[<div class='epvc-post-count'><span class='epvc-eye'></span> <span class="epvc-count"> 15</span><span class='epvc-label'> Views</span></div><h2 style="text-align: justify;">What will be the best surprise gift for Valentine’s Day this year?</h2><p style="text-align: justify;">This year, you’ve decided to treat your other half for Valentine’s Day by giving them a gift that reflects your feelings . You want to do things in style, but don’t know where to start? Here are some ideas to make this day magical.</p><p style="text-align: justify;">Start by preparing breakfast. A quick brunch or lunch accompanied by a greeting card with a little note is a perfect proof of love. Throughout the day, multiply the attentions such as the delivery of a <a href="https://globaltrendnewz.com/"><span style="color: #0000ff;"><strong>Valentine’s Day</strong> </span></a>bouquet of flowers to her work. Choose flowers of love like red roses, lilies or tulips which are among the flowers of the month of February . Be careful with the colors chosen. Accompany your bouquet of flowers with a little extra attention like a box of chocolates or a teddy bear. To perfect this day rich in emotions, prepare a small meal for a romantic evening worthy of the name. Offer her her gift at dessert time, for example, by accompanying it with a small sweet note like chocolate strawberries. All these little attentions, which you will prepare for her during this day, will make her live a unique moment. Remember, the best gift for Valentine’s Day is the one that comes from the heart.</p><h3 style="text-align: justify;">Organize a real Valentine’s Day surprise</h3><p style="text-align: justify;">To help you find the perfect gift for your other half, play on the element of surprise. You can prepare a special day dedicated entirely to this person who makes your heart skip a beat or also plan a Valentine’s Day stay worthy of the name!</p><p style="text-align: justify;">For a man or a woman, the importance of Valentine’s Day varies depending on the person. You can therefore adapt your day’s planning to suit their personality. Here are 3 themes to inspire you to create your surprise day ! Don’t forget, although Valentine’s Day is generally celebrated during the week, you can plan your tailor-made day for the weekend.</p><h3 style="text-align: justify;">The pampering day :</h3><p style="text-align: justify;">You can first start with breakfast in bed by bringing them their favorite pastry accompanied by a small wellness box, for example, and a Valentine’s Day message . You can then run them a bath while putting on their favorite playlist. Afterwards, head to the spa or hammam for a moment of absolute relaxation for two, and to finish, a snack in a cozy and gourmet tea room. A quick return home and an evening in front of Netflix to perfect this sweet day.</p><h3 style="text-align: justify;">The romantic day :</h3><p style="text-align: justify;">This is the theme most suited to Valentine’s Day. Here are some original ideas to liven up your romantic day: as soon as you wake up, get in the mood with a breakfast prepared by you on a table set for the occasion. For the day, a little trip back in time with a visit to your meeting place before starting the activities. On the program, a short bike ride, a visit to the zoo or even a walk in a park with your loved one. A movie at the cinema in the late afternoon and in the evening, a candlelit dinner in a restaurant.</p><h3 style="text-align: justify;">The discovery day :</h3><p style="text-align: justify;">As its name suggests, here is the program for the day that will take you off the beaten track. Step 1: breakfast at a cat café. Afterward, you can plan a pottery class, a yoga class, or even discover an artist in an immersive exhibition. For lunch, we recommend heading to a restaurant offering international specialties that we’re not used to tasting, such as African, Balinese, or Canadian cuisine. Finally, take part in a cooking class. After all these activities, we guarantee you’ll have plenty of memories and a good tiredness!</p><p>The post <a href="https://globaltrendnewz.com/give-the-most-beautiful-gift-for-valentines-day/" target="_blank">Give the most beautiful gift for Valentine's Day</a> first appeared on <a href="https://globaltrendnewz.com/" target="_blank">https://globaltrendnewz.com</a>.</p>]]></content:encoded> <wfw:commentRss>https://globaltrendnewz.com/give-the-most-beautiful-gift-for-valentines-day/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The eternal or “stabilized” rose: a memorable gift for Valentine’s Day</title> <link>https://globaltrendnewz.com/the-eternal-or-stabilized-rose-a-memorable-gift-for-valentines-day/</link> <comments>https://globaltrendnewz.com/the-eternal-or-stabilized-rose-a-memorable-gift-for-valentines-day/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Sat, 19 Oct 2024 12:11:35 +0000</pubDate> <category><![CDATA[ Lifestyle]]></category> <guid isPermaLink="false">https://globaltrendnewz.com/?p=121</guid> <description><![CDATA[<p>15 ViewsThe symbolism of eternal love, an asset for preserved roses on Valentine’s Day Low quality preview for eternal roseeternal rose As a messenger of romantic feelings, the rose has evolved throughout human and social life, adapting to customs and traditions while remaining a timeless symbol of affection and passion. The relationship between the rose […]</p><p>The post <a href="https://globaltrendnewz.com/the-eternal-or-stabilized-rose-a-memorable-gift-for-valentines-day/" target="_blank">The eternal or “stabilized” rose: a memorable gift for Valentine’s Day</a> first appeared on <a href="https://globaltrendnewz.com/" target="_blank">https://globaltrendnewz.com</a>.</p>]]></description> <content:encoded><![CDATA[<div class='epvc-post-count'><span class='epvc-eye'></span> <span class="epvc-count"> 15</span><span class='epvc-label'> Views</span></div><h2 style="text-align: justify;">The symbolism of eternal love, an asset for preserved roses on Valentine’s Day</h2><h3 style="text-align: justify;">Low quality preview for eternal roseeternal rose</h3><p style="text-align: justify;">As a messenger of romantic feelings, the rose has evolved throughout human and social life, adapting to customs and traditions while remaining a timeless symbol of affection and passion. The relationship between the rose and love dates back to ancient times, when Greek and Roman civilizations associated it with their deities of love. Its romantic symbolism was consolidated during the Middle Ages, influencing poetry and the traditions of the language of flowers in the Victorian era.</p><p style="text-align: justify;">The commercialization of the eternal rose, also known as the preserved rose, in the 1990s truly revolutionized the way we choose to express our feelings towards our loved ones. Thanks to the longevity of this preserved flower, lovers can now offer a lasting symbol of their love , one that stands the test of time.</p><h3 style="text-align: justify;">The stabilized or “eternal” rose, a real flower frozen in time</h3><p style="text-align: justify;">Imagine a rose, captured in all its splendor, retaining its eternal beauty without ever fading. This is the secret of the preserved rose. The result of a delicate process where water and sap are replaced by a glycerin-based solution, combined with other natural and environmentally friendly components, the preserved rose is an authentic natural rose, preserved at the ideal moment of bloom. This refined technique, known as freeze-drying, leaves the flower soft to the touch and maintains its flamboyant color and intoxicating fragrance, without the need for water or special care. Unlike artificial or dried roses, the preserved rose remains a true icon of nature, eternally captivated in its most sublime state.</p><h3 style="text-align: justify;">Low quality preview for eternal rose-boxeternal rose-box</h3><p style="text-align: justify;">Like all roses , preserved roses come in different colors, shapes, and containers. When choosing, first consider the color of the petals. Depending on the message you want to convey, you’ll want to choose a color that matches your feelings when choosing your eternal rose for<a href="https://globaltrendnewz.com/"><span style="color: #0000ff;"><strong> Valentine’s Day.</strong></span></a></p><h3 style="text-align: justify;">To help you, here are the symbols of roses according to the different colors available.</h3><p style="text-align: justify;">Red: The timeless and passionate red rose embodies deep love. It’s a perfect choice for expressing intense and romantic feelings.</p><p style="text-align: justify;">Rose: Pink roses evoke tenderness, delicacy, and admiration. They are ideal for expressing sweet and affectionate feelings.</p><p style="text-align: justify;">Yellow: Yellow roses symbolize joy, friendship, and positivity. Choose this color to make a friend happy.</p><p style="text-align: justify;">Pastel: Pastel tones, such as pink or blue, evoke delicate feelings; these colors will be perfect for a birth.</p><p style="text-align: justify;">Once you’ve selected your color, you can choose how you want to offer it. You have several options: under a bell jar, in a box, or even with a small LED, making it eternal and luminous.</p><p style="text-align: justify;">Finally, know that the eternal rose can come in different shapes such as a heart, mixed with dried flowers, but also on a stem.</p><p style="text-align: justify;">You are now informed and ready to make your choice to offer your other half the eternal rose that suits them and that will reflect your most beautiful feelings.</p><p>The post <a href="https://globaltrendnewz.com/the-eternal-or-stabilized-rose-a-memorable-gift-for-valentines-day/" target="_blank">The eternal or “stabilized” rose: a memorable gift for Valentine’s Day</a> first appeared on <a href="https://globaltrendnewz.com/" target="_blank">https://globaltrendnewz.com</a>.</p>]]></content:encoded> <wfw:commentRss>https://globaltrendnewz.com/the-eternal-or-stabilized-rose-a-memorable-gift-for-valentines-day/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Why choose term life insurance?</title> <link>https://globaltrendnewz.com/why-choose-term-life-insurance/</link> <comments>https://globaltrendnewz.com/why-choose-term-life-insurance/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Thu, 15 Aug 2024 09:38:49 +0000</pubDate> <category><![CDATA[Insurance]]></category> <guid isPermaLink="false">https://globaltrendnewz.com/?p=115</guid> <description><![CDATA[<p>15 ViewsIf you don’t have any life insurance, and for whatever reason, term life insurance is a simple solution to get started, because this type of insurance is suitable for all phases of your life. Thanks to amounts and premiums adapted to your situation, term life insurance allows you not to leave your loved ones […]</p><p>The post <a href="https://globaltrendnewz.com/why-choose-term-life-insurance/" target="_blank">Why choose term life insurance?</a> first appeared on <a href="https://globaltrendnewz.com/" target="_blank">https://globaltrendnewz.com</a>.</p>]]></description> <content:encoded><![CDATA[<div class='epvc-post-count'><span class='epvc-eye'></span> <span class="epvc-count"> 15</span><span class='epvc-label'> Views</span></div><p style="text-align: justify;">If you don’t have any life insurance, and for whatever reason, term life insurance is a simple solution to get started, because this type of insurance is suitable for all phases of your life.</p><p style="text-align: justify;">Thanks to amounts and premiums adapted to your situation, term life insurance allows you not to leave your loved ones destitute in the event of death.</p><h2 style="text-align: justify;">Simple insurance to adopt and renew</h2><p style="text-align: justify;"><a href="https://globaltrendnewz.com/"><strong>Term</strong> <strong>life insurance</strong> </a>protects you for a limited period , such as 10 or 20 years. It is automatically renewable, subject to an increase in the premium. A 10-year term life insurance , for example, is renewed for another 10 years when it expires without you having to take any new steps.</p><h2 style="text-align: justify;">Useful insurance for everyone, at any time</h2><p style="text-align: justify;">Whether it’s your first insurance or additional protection for a key period in your life, term life insurance is suitable for all of life’s occasions. Here are some examples:</p><p style="text-align: justify;">Are you a student , earning your first income or facing your first financial obligations ? You will appreciate the simplicity and low cost of this type of insurance, in addition to being able to apply for it online .</p><p style="text-align: justify;">Opt for term insurance to provide your new family with comfort and security in the event of the unexpected.</p><p style="text-align: justify;">Are you an entrepreneur ? Term life insurance can also be used to facilitate the continuity of your business so that it does not become a burden in the event of an unexpected event. Note also, that once your business is well established, there will be times when additional security is welcome, whether it’s because you start thinking about developing franchises, transferring business ownership to your children or enlargements.</p><h2 style="text-align: justify;">Get an online quote by answering only 4 questions.</h2><h3 style="text-align: justify;"><strong>Good to know</strong></h3><p style="text-align: justify;">Note that you can take out 10-year term life insurance up to age 60 and 20-year term insurance up to age 50; that is to say, you can come back to this solution to offer yourself temporary peace of mind , the time of a return to school, your children’s post-secondary studies or simply to leave nothing to chance.</p><h3 style="text-align: justify;"><strong>Affordable coverage</strong></h3><p style="text-align: justify;">This protection is an additional security when we want to protect our family or our business from financial risks. Moreover, during the first decade, 10-year term life insurance is much less expensive than other types of insurance for young insureds.</p><p style="text-align: justify;">Curious to know how much 10-year term life insurance would cost you with National Bank Life Insurance | Health</p><h3 style="text-align: justify;"><strong>Additional insurance to your existing portfolio</strong></h3><p style="text-align: justify;">Do you have enough life insurance? And have you established what the money would be used for in the event of death? Paying debts, living for a while without worrying about money, covering housing or mortgage costs, financing post-secondary studies, covering death-related costs: whatever the reason, you must ensure that you be sufficiently covered.</p><p style="text-align: justify;">Many people think they don’t need life insurance because they have group insurance , mortgage loan insurance, or some other form of life insurance. Is this really the case?</p><p style="text-align: justify;">Group insurance depends on your job, and therefore may no longer be available overnight. Mortgage loan insurance has the advantage of covering you for the duration of the mortgage, but only concerns the insured amount of the debt. Term life insurance is not dependent on your job or other financial product. It is complementary coverage to the other insurance you have, because each insurance has its role to play .</p><p style="text-align: justify;">And if you have debt, term life insurance can also help. Even if you take out payment insurance on your credit card and loan insurance on your financing, is that enough to cover everything? Sometimes an extra $25,000 is enough not to leave the burden of your debts behind.</p><p style="text-align: justify;">The idea of dying suddenly is never pleasant to contemplate. However, term life insurance is a simple, affordable and comprehensive way to provide security to your loved ones, regardless of your age and your family and professional situation. Contact one of our representatives now to discover all the benefits of term life insurance and how to take advantage of its low-cost coverage.</p><p>The post <a href="https://globaltrendnewz.com/why-choose-term-life-insurance/" target="_blank">Why choose term life insurance?</a> first appeared on <a href="https://globaltrendnewz.com/" target="_blank">https://globaltrendnewz.com</a>.</p>]]></content:encoded> <wfw:commentRss>https://globaltrendnewz.com/why-choose-term-life-insurance/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to choose your field of study</title> <link>https://globaltrendnewz.com/how-to-choose-your-field-of-study/</link> <comments>https://globaltrendnewz.com/how-to-choose-your-field-of-study/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Mon, 15 Jul 2024 08:29:42 +0000</pubDate> <category><![CDATA[ Edaucation]]></category> <guid isPermaLink="false">https://globaltrendnewz.com/?p=112</guid> <description><![CDATA[<p>17 ViewsIf you are looking for the course of study that suits you best, it is important to take your interests into account. The choice of course determines the direction your professional career will take. In this article, we will give you advice on how to choose your field of study according to your interests. […]</p><p>The post <a href="https://globaltrendnewz.com/how-to-choose-your-field-of-study/" target="_blank">How to choose your field of study</a> first appeared on <a href="https://globaltrendnewz.com/" target="_blank">https://globaltrendnewz.com</a>.</p>]]></description> <content:encoded><![CDATA[<div class='epvc-post-count'><span class='epvc-eye'></span> <span class="epvc-count"> 17</span><span class='epvc-label'> Views</span></div><p style="text-align: justify;">If you are looking for the course of study that suits you best, it is important to take your interests into account. The choice of course determines the direction your professional career will take. In this article, we will give you advice on how to choose your field of study according to your interests.</p><h2 style="text-align: justify;">Take into account the professional opportunities of the chosen sector</h2><p style="text-align: justify;">Before choosing your course of study, it is important to take stock of your areas of interest. Think about what excites you, what motivates you, what excites you. It can be an activity, hobby, sport, school subject, or even a favorite topic of discussion. By identifying these areas of interest, you will have a better idea of the direction to take for your professional future.</p><h2 style="text-align: justify;">Identify the fields of study related to your centers of interest</h2><p style="text-align: justify;">Once you have identified your areas of interest, it is time to see the study courses related to them. For example, if you are passionate about music, you might consider majors in music or art. If you are interested in science, you could look at science studies. If you like languages, you might be interested in studying foreign languages.</p><h2 style="text-align: justify;">Do research on the different courses of study</h2><p style="text-align: justify;">Now that you’ve identified the <a href="https://globaltrendnewz.com/"><strong>fields of study</strong> </a>related to your areas of interest, it’s time to research them. You can find out about different study paths online, in brochures, or by talking to people who work in those fields. Make sure you understand the requirements and skills needed to succeed in each course of study.</p><h2 style="text-align: justify;">Make sure that the chosen sector is adapted to your profile</h2><p style="text-align: justify;">It is important to choose a course of study that matches your skills, qualities and personality. For example, if you are a very creative person, you might consider a major in the arts. If you are highly organized and enjoy working in a team, you might be interested in a management studies course.</p><h2 style="text-align: justify;">Take into account the professional opportunities of the chosen sector</h2><p style="text-align: justify;">It is important to take into account the professional opportunities of the chosen course of study. You should educate yourself about job prospects in your field of study and career opportunities.</p><h2 style="text-align: justify;">The advantages of choosing a course of study according to your interests</h2><p style="text-align: justify;">By choosing a field of study that matches your interests, you will be more motivated to learn and work in this field. You will also be more likely to succeed and find a job that appeals to you. Also, you will be happier in your professional career and have a better quality of life.</p><h2 style="text-align: justify;">Mistakes to avoid when choosing a course of study</h2><p style="text-align: justify;">When choosing your course of study, there are certain mistakes to avoid. First of all, don’t choose a course of study just because it’s popular or because your parents or friends have advised you to choose it. You should choose a course of study that matches your interests and skills.</p><p style="text-align: justify;">Also, don’t choose a course of study just for salary or job prospects. If you are not passionate about the course of study, you may get bored and not succeed.</p><h2 style="text-align: justify;">Conclusion</h2><p style="text-align: justify;">By choosing a field of study based on your interests, you will have a better chance of succeeding and finding a job that appeals to you. It is important to take stock of your centers of interest, to identify the fields of study linked to them, to do research on the different fields of study, to choose a field of study which corresponds to your profile and take professional opportunities into account. Avoid common mistakes such as choosing a course of study simply for the salary or for external pressures.</p><p>The post <a href="https://globaltrendnewz.com/how-to-choose-your-field-of-study/" target="_blank">How to choose your field of study</a> first appeared on <a href="https://globaltrendnewz.com/" target="_blank">https://globaltrendnewz.com</a>.</p>]]></content:encoded> <wfw:commentRss>https://globaltrendnewz.com/how-to-choose-your-field-of-study/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Do you necessarily have to have a contribution for a professional loan?</title> <link>https://globaltrendnewz.com/do-you-necessarily-have-to-have-a-contribution-for-a-professional-loan/</link> <comments>https://globaltrendnewz.com/do-you-necessarily-have-to-have-a-contribution-for-a-professional-loan/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Sat, 15 Jun 2024 08:20:31 +0000</pubDate> <category><![CDATA[ Loan]]></category> <guid isPermaLink="false">https://globaltrendnewz.com/?p=108</guid> <description><![CDATA[<p>12 ViewsTo borrow a loan for your business, the share that your personal contribution must represent must be between 10% and 30% of the total amount of your investment. Each bank may however have different requirements, it all depends on their own criteria in the matter. The amount of the contribution requested by the bank […]</p><p>The post <a href="https://globaltrendnewz.com/do-you-necessarily-have-to-have-a-contribution-for-a-professional-loan/" target="_blank">Do you necessarily have to have a contribution for a professional loan?</a> first appeared on <a href="https://globaltrendnewz.com/" target="_blank">https://globaltrendnewz.com</a>.</p>]]></description> <content:encoded><![CDATA[<div class='epvc-post-count'><span class='epvc-eye'></span> <span class="epvc-count"> 12</span><span class='epvc-label'> Views</span></div><p style="text-align: justify;">To borrow a loan for your business, the share that your personal contribution must represent must be between 10% and 30% of the total amount of your investment. Each bank may however have different requirements, it all depends on their own criteria in the matter.</p><p style="text-align: justify;">The amount of the contribution requested by the bank to finance your application for professional credit will depend, mainly, on 4 factors: the total capital that you wish to borrow, the duration to repay it, the general quality of the borrowing profile of your company and the nature of the project to be carried out (starting your business, buying equipment, developing your business, etc.).</p><p style="text-align: justify;">Depending on the project, the contribution percentage can be more or less important. For example, it will take about 30% of personal contribution to create your business, about 20% to take over an existing business and only 10% for the construction or purchase of commercial walls. But these levels of contribution are subject to variations according to the situation of the professional and the examination of his request.</p><p style="text-align: justify;">Good to know: if you do not have the funds to make a contribution, it is likely that your application for professional financing will be refused.</p><h2 style="text-align: justify;">The amount of a contribution is determined during the study of a credit application for professional</h2><p style="text-align: justify;">The combination of all the banking criteria will allow the adviser to assess the overall risk that the bank will take by agreeing to finance your project. The study of the situation of your company is thus decisive, because the bank will check your solvency, your sector of activity and the competition, your market shares, your turnover, your expenses as well as the state of your Treasury.</p><p style="text-align: justify;">Following this meticulous analysis, if the advisor detects a risk of non-repayment deemed high, this will encourage the bank to ask you for a higher <a href="https://globaltrendnewz.com/"><strong>contribution for a professional loan</strong></a>? contribution. Conversely, if the analysis of your company shows excellent financial health which is accompanied by a good prospect for your future performance, then the amount of your contribution could be lower.</p><p style="text-align: justify;">Good to know: Whatever it is, the bank must believe in your professional project. If it turns out that it is ambitious and that it could considerably improve your forecast turnover for the years to come, then it is possible that the risk will be considered less important and that the amount of the contribution required is only lower.</p><h2 style="text-align: justify;">Why is a contribution so important to take out a business loan?</h2><p style="text-align: justify;">For most files, the absence of a contribution leads to a systematic refusal of the bank to finance the professional’s project. It is therefore a sine qua non condition which reduces the risks taken by the lender. The fact of paying a contribution for a financing intended for a company is also a means of reducing the capital to have to borrow, to contain the duration of the contract and more generally the cost of the operation.</p><p style="text-align: justify;">A contribution will therefore be viewed favorably by the lender. It will allow the professional to optimize the quality of his file to succeed in negotiating better reimbursement conditions. If you support part of your investment with a personal contribution, chances are that you will obtain a better nominal interest rate in your professional loan offer.</p><h2 style="text-align: justify;">How to succeed in making a contribution for professional financing?</h2><p style="text-align: justify;">The financing of a contribution requires having to mobilize the cash flow of your company. These are equity funds immediately available in a deposit account, a savings account or an investment. The money for a contribution comes from the profits earned through your activity.</p><p style="text-align: justify;">The ideal for a company, before embarking on the financing of an ambitious project, is to collect and save a sufficient provisional sum in order to support the contribution of a business loan.</p><p style="text-align: justify;">Nevertheless, you have to be careful not to liquidate most of your equity. Indeed, they can be both necessary for the successful completion of its operating cycle, in particular its employees and suppliers, and also be a safety cushion in the event of future financial difficulties. Banks are also vigilant on this subject so that the professional preserves part of his cash.</p><p style="text-align: justify;">In the absence of sufficient funds directly available in the company’s accounts, the manager is also entitled to use his own cash. But injecting one’s assets is obviously not without risk, which requires a reflection phase with the advisor.</p><h2 style="text-align: justify;">What are the conditions for obtaining professional credit without contribution?</h2><p style="text-align: justify;">Obviously, it is good to remember that bank loans without contributions granted to professionals do not represent a majority proportion among all the files. These will mainly be loan offers repaid over a very short period and where the risk of insolvency is very low, given the quality of the borrower profile.</p><p style="text-align: justify;">If your need is to obtain funds to support your cash flow, then the contribution will not be necessary. On the other hand, for major projects, such as the purchase of commercial premises or a very expensive industrial machine, the bank will almost always ask for a sum to reduce the amount of the credit.</p><p style="text-align: justify;">To avoid having to pay a contribution, or at least to reduce it in order to preserve your equity, your financing file must be of high quality. Therefore, launch your request during a period when your company is performing well and when account management is sound in order to present yourself in the best possible light.</p><p style="text-align: justify;">If you are unable to inject a contribution into the operation, or if this proves to be insufficient, consider alternatives: apply for state funding aid dedicated to companies, seek a new investor who could take charge of your contribution or reduce your ambitions by financing a less expensive project.</p><p>The post <a href="https://globaltrendnewz.com/do-you-necessarily-have-to-have-a-contribution-for-a-professional-loan/" target="_blank">Do you necessarily have to have a contribution for a professional loan?</a> first appeared on <a href="https://globaltrendnewz.com/" target="_blank">https://globaltrendnewz.com</a>.</p>]]></content:encoded> <wfw:commentRss>https://globaltrendnewz.com/do-you-necessarily-have-to-have-a-contribution-for-a-professional-loan/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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