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3 days a week with flexible hours, Work from our Bayview or Mosman office and from home, Work for dynamic IT company.
We are looking for a part time accountant or bookkeeper to join our team at Axe.
Initially you will need to work from Bayview or Mosman Office. Later once familiar with the work you will have the flexibility to work some of the time from home.
The workload is approximately three days a week. Actual hours worked are flexible to fit in with your other commitments.
The successful candidate would be qualified in commerce or accounting, and have a minimum of 5 years experience gained in business services.
Experience on MYOB is essential
You will be working with the CFO. The main duties are:
About us:
Axe Group is a leading Australian insurance technical solution provider based in Sydney with a number of major clients in Australia and also rapidly expanding in the US,
Our core product is Axelerator - an innovative, modular, and fully flexible software platform designed from the ground up for rapid tailoring of bespoke insurance solutions. We have built our reputation on having the most innovative and adaptable software in the market.
Life at Axe:
While we take our business very seriously, life at Axe is easy going and friendly. Pre-Covid we used to catch up over drinks on Fridays evenings, and we held regular social events. Hopefully this will resume soon!
To ensure we are able to reach common goals we have a flat structure and an open plan office. Diversity and inclusion are important to us. We have a team that is culturally diverse, and an environment in which every one of our 65+ staff feels comfortable to have their say. We do our best to accommodate the lifestyle and family commitments of staff.
The important stuff:
Axe Group employees are currently all working from home due to the COVID-19 situation.
Option 1: Use this option if you want to upload a new cover letter and a Resume fileApply Now ! Send Your Resume

subset: commoncrawl


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Hunters are always looking for that extra edge. Elk and deer are not easy prey. Their nose, sight, ears, and instincts make them a formidable prey. Using new gear that is ethical and still gives the critters a fair shake is always worth a look. Here are a couple new and unique ideas to add to your gear bag.
Wildgame Innovations has come up with the only field system that neutralizes human scent. It is called the ZeroTrace PureION Generator. For only $199.99, you can hunt stink free. PUREON Technology uses the flow of small ion molecules to get rid of unwanted scent particles. This unit is small and lightweight. It is rechargeable. This on person gizmo creates a scent free bubble around the hunter. It may not be as effective on windy days or if the hunter is moving. For slow still hunters and stand hunters, this device will reduce your scent profile.
This progressive hunting company also has developed a Golden Estrus GEL scent. This 2 oz. bottle will last longer than any liquid buck lure. At $14.99, you can send a message to Big Bucks that they are interested in. Liquid scents tend to leak, spill, and evaporate more quickly. This thick and sticky gel sticks to any tree, limb, scent tab, or rock. It is controllable and easy to use.
Staying stink free while attracting critters with scent is a great way to improve your hunting odds.
Montana Grant
Montana Hunting and Fishing Reports for 11/28/20
By Kamp Cook
By Montana Grant
Ice Fishing Tips for All
By angelamontana
Dandy Montana Mule Deer for New Huntress
2 grizzly bear mortalities reported in Madison County
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Firewood Gathering Prohibited in Timber Sale Areas
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Public input sought on Coram-West Glacier forest management project
16 Year old gets a great Montana Bull Elk
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Greetings all. I'm testing out windows live writer as an alternative to w.bloggar for creating blog posts...
First impressions are good... I like the way that it gives me a proper preview as it will look in the web. I also like the UI (very Word-esque), and the fact that I can save drafts etc...
I think I'll be using this from now on! :)
I just started using Windows Live Writer and immediately started looking for a plugin for inserting code snippets into posts. Here's one I found and have used successfully.
Link to Steve Dunn's Blog: Code Formatter Plugin for Windows Live Writer
I am trying out Windows Live Writer.
It looks pleasing.
Its got a nice and easy interface.
Its not bad, does all the basic stuff, except for one. No shortcut key for insert picture from the web, even worse no toolbar option for it.
Cross-posted from tariqayad.com
Windows Live TM Messenger is the next-generation MSN Messenger. It has everything you already love about Messenger, and much more!
Available for download at microsoft download site.
Update (Aug 13 2006): The download page for Windows Live Messenger is changed to here.
I've got about 40 Invites for Windows Live Messenger to give away - leave a comment if you need one.


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Snowman Hollywood Nutcracker by Kurt Adler
Snowman Hollywood Nutcracker by Kurt Adler
This Hollywood™ Snowman Candy Nutcracker features a snowy Christmas tree and peppermint candy cane filled bucket. The snowman is holding a red, white and green swirl candy lollipop, and is wearing a red and white glittered tall hat.
- Measures 12" H
- Designed by Holly Adler exclusively for Kurt S. Adler, Inc.
- Made of wood
Item: HA0518
By Kurt Adler


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฿23,000(184 B./Sq.wah.)
Available for rent on 23 Sep 2020
Updated 2020-09-23 16:42
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Westchester County District Attorney Janet DiFiore announced that Patrick Colon, 21, of 315 Oxford Road, New Rochelle, New York, was charged today by Felony Complaint with one count of Promoting a Sexual Performance by a Child, a class "D" Felony, one count of Possessing an Obscene Sexual Performance by a Child, a class "E" Felony, for possessing and file-sharing illegal and obscene performances of sexual conduct by children less than sixteen and seventeen years of age.
On February 7, 2011, an undercover investigator from the Westchester County District Attorney's Office was able to view a digital image of a sexual performance of a child less than seventeen years of age that was available for download by other people from the defendant's computer.
The District Attorney's Office began its investigation.
A search warrant was executed today at the defendant's home address (March 22, 2011) during which time the defendant showed investigators digital files of a child who is less than sixteen years of age in an obscene sexual performance.
The defendant, who is employed as an Information Specialist with NYC Inc., was arraigned in New Rochelle City Court. Bail was set at $2,500 which has been posted.
His next court date is March 24, 2011.
The maximum sentence on the charges is 7 years in state prison.
Chief of the High Technology Crime Bureau, Michael Delohery, is prosecuting the case.
JN Reporting: D.A.: New Rochelle man, son of Latin musician, arrested on child pornography charge
Willie Colon: William Anthony Colón (born 28 April 1950) is a Nuyorican salsa musician. Primarily a trombonist, Colón also sings, writes, produces and acts. He is also involved in municipal politics in New York City.


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Recipe for reading lesson plans
specialprograms [licensed for non-commercial use only] / Recipe for ReadingTake this opportunity to find out how children really learn to read and write. Explore current research that cuts through the media messages about reading wars and the right way to teach children. Learn by reading stories about children, doing interactive assignments, and exploring the latest in parent and childcare information. You will see everyday children's play with a new eye as you understand how play can connect to literacy. You'll learn how a child becomes literate from the moment of birth. First, you'll investigate the many things a child's growing mind must do to make sense of the written word and create writing. From there, you'll explore the development of reading and writing from infancy to the early school years.
Recipe for Reading Lesson Steps 1-3 with Comment
The Essential Reading List for Orton-Gillingham Teachers and Tutors
The article was up to the point and described the information very effectively. Resource Type. In this lesson, your students will learn all about the perfect recipe for a story. Part 1 and Part 2 are now combined into ONE product.Mathew Gonet on November 17, as almost all other reading programs do. They are carefully designed not to introduce too many new words especially sight wordsat am? This pack includes sorts for 7 different spelling concepts: short vowels, diphthongs and word e. English Language Arts.
Details Requirements Enrollment Options Menu. Each set c? Controlled text, reading materials that only include words using the rules your child has already learned! The Brain Trainings will change periodically.
Not at all likely? This 6 section unit is estimated to take between weeks depending on your student s needs. Meaningful spelling practice can be found here! Please note: Use the Contact Us link at the bottom of our website for account-specific questions or issues.
They will give you insight into what they are learning and it helps them to become more aware of what they are learning. Potential discussion questions include: How would the story change if the wolf never tried to blow down the pigs' houses. Then you can talk about the meaning of the word. Now, ask them to use some of the vocabulary they came up with in sentences and add any key vocabulary to the list.
While students certainly need practice reading material in English, it is important that you include short speaking, listening and writing activities whenever possible in your reading lessons. The focus of the lesson may be on reading a particular passage but having a diverse lesson plan will enable students who are good at other aspects of English to still participate and feel confident in their abilities while working to improve an area they are weaker at.
jurassic park book series in order
Lesson Plans, Forms, and Ideas for All Levels
Of all reading programs, Orton-Gillingham has the most research to support its effectiveness with dyslexic learners. At the end of the post, you can download a free OG reading lesson planner complete with instructions for how to use it. The order of your lessons should be the same each session. A lesson plan should typically include the following five parts:. Review is critical to the success of any OG reading program. Kids with dyslexia need a LOT of review, therefore building a routine of review into every lesson is critical for making progress. Each of the drills and the review will take only a few minutes.
Do not re-read stories in these readers. This 6 section unit is estimated to take between weeks depending on your student s needs. This comprehensive curriculum includes everything you need to implement an Orton-Gillingham curriculum at a fraction of the cost. You want revipe use a reader that will bring the least amount of frustration. Be sure to do the Pre-Reading of tricky words first, whichever level of reader you are using.
We make review time fun by trying to go as quickly as possible with lots of smiles and laughter. For ideas on how to improve reading fluency, read this post. Follow your OG-based reading and spelling program for what and how to teach. Review and closing 5 minutes.
ReadingSpecial Education, you'll learn the recipe for a successful guided reading into writing lesson. Since this framework is based on guided reading lessons that flow naturally into writing challenges, contact Customer Service for help restoring access to your account. Thank you for your input. If you no longer have access to the email address associated with your account.
4 thoughts on "How To Teach A Perfect Reading Lesson"
Not an Education. Create an Account. 🙈
So many connections are being made; the brain finds a way to correct many of the Auditory Processing problems. So we often end up not needing to do all of the weeks of the Auditory Processing Brain Trainings. Many of the symptoms resolve themselves even before you get to that specific Brain Training session. You will make much progress the first year, but when a child has a more severe Auditory Processing issue, it is usually necessary to continue therapy into a second school year to pull everything up to or above grade level. 🤲
The Recipe for Reading curriculum is ideal for differentiated instruction in a variety of settings—inclusion, The Recipe for Reading Manual contains a series of structured lessons beginning . lesson plans with alliterative sentences to build.
Today, I am providing you with a list of professional books that are truly invaluable if you teach reading. I created with several considerations in mind. 🙎♂


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Interested in Volunteering?
How to volunteer
Please phone, text or message, if interested in volunteering as a Co-ordinator, Helper or Chat Friend on
07946 192638.
What we do and how we do it
We call our volunteers "Helpers", the people we help "Partners" and the person in daily control of the mobile is "the Co-ordinator" with the help number 07946 192638 .
Basically jobs are put out as they come in by the co-ordinator on BAN WhatsAPP copy this link: https://chat.whatsapp.com/CqsazYAcLTk6scnbBCHxDM (This can be downloaded to your phone, tablet or mobile WhatsApp.)
Look on there and respond as requested but you have to be quick!
Please note:
The BAN WhatsApp Group is a Job allocation platform and is for use by the Co-ordinator of the day to put out requests (Job Number).
The Helper (Volunteer), who can do the job, should ring the Co-Ordinator on their direct number, which will be given at the beginning of the day, to get details and clear any queries.
The Co-Ordinator will then label the "Job Allocated".
When completed the Helper texts "Job is Complete".
Please use BANter or direct phone numbers for any other contact.
We have set up a separate chat group on WhatsAp called BANter copy this link: https://chat.whatsapp.com/Hva7rhq7ZID46qpZet1jVe (This can be downloaded to your phone, tablet or mobile WhatsApp.)
If you are interested in helping out with the regular newsletter, join the Newsletter Workers WhatsApp group through this link:
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Check out the Protocols below
Protocol for Food Delivery
Protocol for Food Delivery Annie Jenkins - Meals...
Protocol for Home-Cooked Meals and Use of Re-Usable Containers
Protocol for home-cooked meals and use of re-usable...
Protocol for Hand Deliveries
Protocol for Hand Deliveries You can download the...
Protocol Taking Vulnerable People to Medical Appointments
Protocol Taking Vulnerable People to Medical Appointments Please...
Protocol for Shopping
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Protocol for TalktoBAN
This TalktoBan protocol should be followed, if in...
Protocol for Dog Walking
Before walk ... Q. Ask reason for walks...


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Titanium Alloy Tail Button Switch Fast Direct Charging Battery Pack for 150 Meters Underwater Operation LED Battery Indicator ORCATORCH D860 3 Cree LED 4200 Lumen Dive Light with Handle
: ORCATORCH D860 3 Cree LED 4200 Lumen Dive Light with Handle, Fast Direct Charging Battery Pack, Titanium Alloy Tail Button Switch, LED Battery Indicator, for 150 Meters Underwater Operation : Electronics. 4200 Lumen output: The lights intense light beam is provided by a three high power CREE XHP50 LED. The light beam distance is 310 meters/ 1017 ft on land. 。 Faster charging: the D860 uses replaceable battery pack, which adopts LG INR Li-ion cells. The quick direct charging system deliver a short charging time of 3.5 hours. Unscrew the DC port cap and connect the DC port to the power source by the included home charger, the flashlight will start charging. The charging indicator on the home charger will turn from red to green once the battery pack is fully charged and the charging will stop automatically. 。 LED battery indicator: The built-in remaining battery indicator LED at the tail of the light can show the real-time battery level. When the light is on, the battery indicator at light tail would show status of battery power. When the battery power is over 30%, the indicator is green. The indicator will turn red when battery power is less than 30%, and the indicator will be in red and keep flashing when battery power is less than 10%. 。 Safety lock function: This function works when battery pack is inserted. The light will turn into "safe lock mode" automatically when the light is in off mode for over 3 minutes. In this lock mode, pressing the tail switch will only turn on the LED indicator; you need to keep press the button for over 2 seconds to turn the light on. 。 Special design handle: The handle with special holes allows the light to be attached to various devices freely. It's very easy to carry underwater and assemble. 。
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Even as police try to stem Darknet Market inflation, new markets are booming
That moment comes. One of the principles is the subject of this Grey Market test.
Below is a list of correct questions and answers for the Grey Market test.
* How easy is the Grey Market interface?
* What products are available for Grey-Market?
* Is Grey Market safe?
* Does anyone know about selling in the market?
* Is Grey Market offered by payment method?
* What are the strengths and weaknesses of Grey Market?
There are many questions to ask in the market.
Delivery: Darknet Market trade is not allowed. This article is intended to represent living things
Market share. We do not endorse or endorse any Darknet market-related activity.
All Darknet Market Activities This article / site is completely related to you and not relevant to you.
Required This page should be considered a textbook.
Gray Market 11 has come out less than three months ago which means it's nothing new or exciting, deepmart or anything like that.
How old is the market.
The following is a general view of the market which should give an overview of the market:
* Source address: greymtqdzxxqec5ox [
* Registration: required.
* Security: 2-FAA, security deposit, pin.
* Sales price: 99.00 USD
* Currency: BTC, XMR.
* Product: 738
* Music:
Are plugins easy to use for marketing automation?
Although he did not invent the Grey Market cycle, the components are traditional, but there are changes.
Compared to other works.
First, it eliminates the need to buy products that are available in many markets. Instead, they were housed in the research
Allows users to search for a product.
This is not a big change, but I think it is still good to think about how to be included in the classification
The user simply selects it from the drop-down menu and uses filters.
However, the top panel remains the same in many other markets and serves as a navigation panel.
This allows users to access important parts of the platform, such as news, affiliates, support and more.
All other page functions to display the product. In short, the search bar
Bars and the best products. There are no misplaced ads, posters or illusions.
What products are on the gray market?
As mentioned, the number of products is not surprising, as the Grey Market is a new player in the game.
Currently there are only 738 products in stock. This number has increased exponentially to about 600.
Only in the last 48 hours has the market recorded steady growth.
Almost all types of products are on sale and you can select them from the drop-down menu on the search bar.
That is:
* See:
* Digital guidance
* And service.
Each of them is divided into small groups. Status: Allergens, opium, weight loss,
Banjo, murder, etc.
Information, maps and fraud documents. Hackers and cash services are provided
[I still reach the tribes,
An additional feature of background information is background checking. However, it differs from legal sources
This report may contain invalid information (otherwise not on Darknet Market, so be it).
No specific number of items were displayed in each group. However, first impressions prove to be true in many cases
Anyone who uses the Darknet market daily gets what he sees here.
How is that?
Although the The marketplace is new, many security services are still incomplete. Only salvation so far
Escrow, PIN and PGP (2-FA). This is also the Wallet-less marketplace (discussed later).
As a scam, you may discover that every player or service provider can visit a different site.
As an entrepreneur, Scarlett continues to be a temporary roof that consumers can afford
Save money or ask for your order.
Dispute (if any) is resolved and dispute is resolved. In many cases when there is no dispute
Payments are made to the seller in person.
It also has a front form but not security but an escrow account. Broad – means advance
[Participates in business and funds are released immediately
To the seller
They are only available from Level 7 vendors or suppliers that have been in operation for the last 6 months. This can only be used
by the seller
Who do you trust and / or have a history of?
Then PGP encryption [
Can be used for both secure communication and 2-FA. However, 2-FA will protect your password
The malicious specialist will not be able to retrieve your account.
Note: If 2-F is enabled, the user must resolve the PGP-signed message in the public key
This is already defined in the account.
Finally, the PIN code is saved during registration. Whenever you need a PIN, make big changes to your account.
Make sure your PPG password and keys exist
[Do not be afraid of anything
Hackers can cause serious damage to user accounts.
seed Collection
As mentioned above, he has no vault. This means that the customers money cannot be saved with a wallet before buying
It is certain that all payments will not be made until you order the product you purchased.
So the number of piers is greater. It protects against hackers and scams. The marketplace fortunately
Cancel the program as there is no extra money to escape.
However, hackers who log into your account do not have a wallet to support it.
Steal it!
In short, if security measures are new, they can be followed.
What Do Some Businesses Do?
The Grey Market is not just a grocery store, so people want to sell it.
Selling now. 99.00, which is unrecognizable. Or if the supplier has more than 500 items
For other well-established suppliers, you can find a return number.
There are certain requirements that a manufacturer must adhere to, such as not selling an ordinary product without results.
And that.
In addition to manufacturer costs, you may receive additional payments from each service provider.
Since the supplier has more experience and product credibility, the new seller pays 5 wages per sale. Minimum costs
2 Available for experienced suppliers.
Customers are for buyers and unlike the market FAQ, they are not used for sale.
What about the actions that work miraculously in heating systems?
The last part of this analysis describes the Grey Market payment system
Other markets have a bitcoin policy, Greek
The market trades on the retrospective Moniro (XMR). With Monroe as a stranger
[Bitcoin, Bitcoin (exchange rate)
Similar to BTC.
Sell it and everything will be fine
I will write this review in Grey Market and summarize the important points (and benefits) that I expected from myself.
to send:
* Reducing the wallet.
* Number of approved items.
* Good protection.
* Several payment options.
* Additional air flow may be added.
So if I had to cancel the final judgment given by Grey Market, I could stay in Darknet Market.
[a salesman.
so what? In particular, in terms of performance, then almost everything
Marketing, branding, product safety, marketing policy, etc.
For some people, this may not be trustworthy, but is there a small wallet in mind? So the most you can get rid of is the cost of
one body
Looking at the Grey Market review, do you think I am justified and working in a clear and impartial manner? snow
Let me know in their comments.


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The Bump Baby Registry
Now is the perfect time to start your Baby Registry!START A REGISTRY
I change my vote to this!Nrg2020 said:
I think of tater tots. My suggestion is Tatum Tot. Maybe Tatum Rose? IDK
I do, also want tater tots now (and I have no idea what Tatum has to do with it, just sounds delicious)But you def need a feminine middle name with that name. I haven't checked to see but you could post this over on the baby name board. They are very helpful with suggestions.I agree with all of this. That said, I think Tatum Rose would be a fine choice.ETA: Quoting is funky.


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Golem, one of Ethereum's first ICOs, just announced its migration to ERC20
Golem announced its token migration earlier this week. The blockchain was one of the first ICOs on Ethereum, raising $8.6 million in 29 minutes and setting the precedent for thousands of other ICOs in the years since.
Its token will now change from the current Golem Network Token (GNT) to GLM, an ERC20 compliant Ethereum standard. This is partly because the former launched at a time when ERC20 was neither popular nor widely-adopted, with the token ecosystem changing massively since.
The GNT –> GLM migration is live. Read the blogpost and documentation CAREFULLY before diving into it.
If you have any questions, reach us out at https://t.co/2Mnvk0IRIl https://t.co/XE9dpRjvU4
— golem – NOT DOING AIRDROPS. (@golemproject) November 19, 2020
"We are migrating towards an ERC20 token, mainly because New Golem's transaction framework is built on Ethereum's Layer 2, and this scaling method requires tokens to be ERC20," the project said in a release.
The project was huge back in 2016-17 when its decentralized computing narrative did the rounds on social media sites. But the popularity has waned since, Golem currently trades at just $0.1 with a market cap of $103 million; down from an all-time high price of $1.32 in January 2018.
However, the token's still not a dead coin. Its new migration represents years of work towards Golem's vision, one that may see a resurgence in the coming months.
Golem, the "Airbnb for computers"
For those that weren't around in 2017, Golem is a marketplace for computing power. On the peer-to-peer network, unused computational resources can be rented out to users wishing to perform memory-intensive tasks, who pay the provider in Golem's cryptocurrency.
This allows an individual possessing a high-end computing system, such as a gaming laptop, to profit from other users by renting out its GPU/CPU cycles for anything from CGI rendering to training neural nets. Resources that once would have sat idle can now be monetized on the decentralized network.
Users who share their computing power with the Golem network were rewarded with GNT. Now, with GLM, token holders can enjoy greater layer-2 scaling solutions and use cases:
"ERC-20 tokens are able to be used freely not only for L2, but across DeFi and DEXes (decentralized exchanges), and can give you access to other benefits within the Ethereum blockchain. The new GLM is the key for us to unlock all of this."
As per a post, the migration can be carried out via browser service MetaMask or the MyCrypto app using the steps given here. Meanwhile, crypto exchanges like Bitfinex, Huobi, and Coinbase have already announced their support for the token swap, and users on those exchanges would not need to take further steps.
Golem, currently ranked #106 by market cap, is up 2.31% over the past 24 hours. GNT has a market cap of $96.44M with a 24 hour volume of $8.73M.
Golem Price Chart
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Source: https://cryptoslate.com/golem-one-of-ethereums-first-icos-just-announced-its-migration-to-erc20/
Ukraine's Draft Crypto Bill Passes First Parliamentary Hearing
Ukraine's legislative effort to bring in cryptocurrency regulation has had a successful first hearing in the nation's parliament, the Verkhovna Rada.
After being discussed and given the initial thumbs up by lawmakers Wednesday, the Draft Bill on Virtual Assets now has two more hearings before it becomes law.
If that happens, Ukraine will join the still-short list of nations that have put in place dedicated laws regulating cryptocurrencies. The country was named a global leader in crypto adoption by blockchain analytics firm Chainalysis in September, as citizens actively using crypto for savings, investment and cross-border trade.
The parliamentary hearing was not completely smooth for the bill: some lawmakers decried it as considering things too far from the problems besetting Ukrainian economy. However, at the end, the document still received 229 "yes" votes out of 340 and passed this first stage of the legislative process.
The bill defines virtual assets as "a set of data in electronic form," which "can be an independent object of civil transactions, as well as certify property or non-property rights." The law suggests not considering virtual assets as legal tender in Ukraine.
The document singles out virtual assets backed by goods or services, suggesting that they must be taken out of the market in cases where the backing ceases to exist.
The ownership of virtual assets is considered as being the entity holding the private keys, unless they are held with a custodian, forfeited by the court decision or acquired illegally.
Virtual assets would be regulated by Ukraine's Ministry of the Digital Transformation, and crypto service providers must register to be able to operate in the nation. Firms must provide information on ownership structure and beneficiaries, as well as ensure they don't facilitate money laundering and that they are diligently protecting users' personal data.
The Ukrainian crypto community sometimes finds itself at a disadvantage on global trading platforms. For example, in September, Bittrex temporarily stopped serving users from Ukraine, along with Belarus, Burundi, Mali, Myanmar, Nicaragua and Panama. The exchange did not give specific reasons, citing only "the current regulatory environment" in the affected jurisdictions.
The Ministry of the Digital Transformation believes introducing a clear regulatory regime would encourage crypto businesses to work with Ukrainians and open shop in the country. The ministry drafted the bill in collaboration with Ukraine's crypto community, although some members are vocally opposing the very idea of crypto regulation.
Source: https://www.coindesk.com/ukraine-parliament-draft-cryptocurrency-bill-law
Tether (USDT) is nearing $20 billion market valuation
TL:DR Breakdown: US dollar-backed stablecoin, Tether, is nearing a market cap of $20 billion. The stablecoin market cap has been on growth for the past two months. The market capitalization of the fourth-largest digital currency, Tether (USDT), has been on the rise since the beginning of the crypto market in September. According to data provided […]
TL:DR Breakdown:
- US dollar-backed stablecoin, Tether, is nearing a market cap of $20 billion.
- The stablecoin market cap has been on growth for the past two months.
The market capitalization of the fourth-largest digital currency, Tether (USDT), has been on the rise since the beginning of the crypto market in September. According to data provided by Skew, a crypto on-chain analytics platform, the stablecoin market valuation is nearing the $20 billion mark. On this note, the US dollar-backed crypto is still leading the stablecoin market with a huge dominance rate.
The second-largest stablecoin USD Coin (USDC), has about $2.97 valuation on Coinmarketcap.
Tether Posts More Market Cap Growth
On Coinmarketcap, the leading stablecoin has a market valuation of around $19.413 billion and a 24 hours trading volume of $89.885 billion. CoinGecko posted a market $19.398 billion and $65.629 billion 24hrs volume, while Messari posted a $19.97 billion capitalization and trading volume of $9.449 billion. Notably, USDT's market valuation has been growing steadily since September, as Skew shared on Twitter today.
To better understand the growth, the stablecoin had a valuation of around $10.2 billion on Messari, and $9.1 billion on Coinmarketcap, back in July. Meanwhile, it's worth noting that the company behind the digital currency, Tether inc., has been minting a significant amount of USDT in recent days.
There has been a lot of controversy around the stablecoin. The company says each USDT issued is backed by a US dollar; however, this has been largely questioned by many people in the digital currency space.
USDT kept dominating
Despite the controversies around USDT's backing, the stablecoin remains the most-traded and leading currency-back cryptocurrency. The second-leading stablecoin by market capitalization, USDC, sees a valuation of $2.98 billion on Messari, $2.969 billion on CoinGecko, and $2.97 on Coinmarketcap.
SushiSwap Hits Multi-Week High on High Profile Synergies; What's Next?
SushiSwap's governance token SUSHI continued its rally upward on Wednesday as its price per unit breached the $2-resistance level.
The SUSHI/USD exchange rate rose 13.15 percent ahead of the New York opening bell, trading at $2.18. The latest gains came as a part of a broader upside move that brought SUSHI's week-to-date returns up by 61 percent and its quarter profits up by 74 percent.
Meanwhile, the reason traders boarded the SUSHI uptrend this week is a flurry of SushiSwap's partnerships with high-profile decentralized finance projects. A decentralized exchange itself, it formed synergies with yield aggregator Yearn Finance, smart contract-based job marketplace KP3R, and DeFi services platform DeriSwap.
All the SushiSwap's partnership platforms have one founder: Andre Cronje.
The celebrated developer stated in a blog post on Tuesday that Yearn Finance would "participate in SushiSwap governance and add to its treasury some SUSHI." He further promised grants for developers who would build tools for the decentralized exchange.
Josh Rager, a cryptocurrency analyst, said the partnerships allowed traders to raise their bids for SUSHI tokens. As a result, the price rose exponentially in the previous weeks in hopes that SushiSwap would grow into a full-fledged DeFi ecosystem.
"I would love to see SUSHI price eventually hit the upper $4's target," said Mr. Rager.
SUSHI Technical Setup
Technically, SUSHI showed signs of either correcting lower or consolidating sideways as its momentum oscillator alerts about its "overbought" status.
SushiSwap breaks above crucial Fib resistance level. Source: SUSHIUSD on TradingView.com
But despite a short-term correction woe, SUSHI looks stronger above $2, a Fibonacci retracement level the token broke on Wednesday. A push above the level now allows traders to open a slightly risky long position towards $2.9-3. SushiSwap's fundamentals, as discussed above, support the upside call.
Meanwhile, should profit-taking sentiment clouds the market, SUSHI risks falling back inside its previous Ascending Channel range, followed by a retest of the area's lower trendline. The level also coincides with the 20-day exponential moving average wave (green).
If the sell-off continues, then the price may fall to as low as the 50-day simple moving average curve (red).
Source: https://www.newsbtc.com/news/defi/sushiswap-sushi-expects-to-rise-by-another-350-analyst-assertssush/
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he poker market place will be based upon important game play of fabricating many people comfortable approximately melting away its money. Of course, most people chance considering most people wish to succeed and yet with the character for the monster, we're guaranteed to reduce more often than many of us win. Which means, casinos need to find ways to generate possibly your dropping potential buyers a bit enjoyable.The additional feature refueling gambling houses available there is the truth men and women are normally willing to save money compared to among the at first planned. All of the many people have to do the right reason as well as suddenly the $100 you scheduled for any take a look at becomes $200.
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Colts Information: How the Colts will swap Jabaal Sheard if veteran DE consists of in - Version imprimable
+- Forum Newsgroup : trouver la réponse à vos problèmes ! (http://forum.les-newsgroup.fr)
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Colts Information: How the Colts will swap Jabaal Sheard if veteran DE consists of in - Qcvnmoo - 15-09-2020 05:23 AM
Insider: How the Colts will switch Jabaal SheardSheard hasn neglected a recreation within just 2 seasons, foremost Colts defensive linemen within snaps performed, tackles-for-reduction and quarterback hits.Colts/Bears Thursday Laptop: No Resolution Upon If Jacoby Brissett Will Get started Satudray WFNI ESPN 107.5 / 1070 The Lover Indy's SportsCenterThe Colts finished their teach for the 7 days upon Thursday afternoon, inside of preparing for Saturday preseason contest with the Bears. What did we discover upon ThursdayColtsLimited Conclude Race Heats Up Down The StretchThe Indianapolis Colts attribute a limited conclude-welcoming offense down below thoughts practice Frank Reich, and 2 avid gamers vying for places upon the 53-male roster Ross Travis and Hale Hentges convey extensively choice flavors with simply just times becoming till very last cuts.ubparoperate match not worrying Colts, Frank Reich CBS 4 - Indianapolis Information, Weather conditions, Targeted traffic and Sports activities WTTVINDIANAPOLIS https://www.coltsgearonlinestore.com/Lafayette_Pitts_Jersey-257, Ind. The impression: Each time we eventually get hold of toward the video games that subject, Frank Reich will realize more than and turn a exchange that suddenly delivers his managing assault towards daily life https://www.coltsgearonlinestore.com/Pat_Mcafee_Jersey-21. The truth: There no these kinds of substitute. And Reich understands it.Colts Feel Safety Will Be eally GoodInside of 2019 WFNI ESPN 107.5 / 1070 The Lover Indy's SportsCenterThe Colts are Pretty bullish upon their security going into the 2019 period. Within just what methods do they imagine their protection will be improved2019 Colts Preseason Preview: Colts/Bears, 7 days 3The Indianapolis Colts host the Chicago Bears within their top preseason residence video game of 2019. Regardless of whether your self're heading toward be within attendance or are viewing at household, below's anything at all by yourself have to have toward recognize.Colts Every day Laptop: Ultimate Arrangements For Bears; Starters Highlight Situational FootballThe Indianapolis Colts upon Thursday kept their previous educate forward of Saturday 3rd preseason match towards the Chicago Bears Johnny Unitas Jersey. What all did we study upon the working dayNovice Ya-Sin loves steady NFL instruction Athletics heraldbulletinRock Ya-Sin must be a 3-season Ga place wrestling winner.Chuck Pagano Upon His Return Toward Lucas Oil Stadium: tl Be Quite CoolFormer Indianapolis Colts intellect train and previously Chicago Bears defensive coordinator Chuck Pagano is creating his return towards Indianapolis and Lucas Oil Stadium Saturday for their preseason 7 days 3 matchup. He talked in direction of Chicago reporters this 7 days in excess of his InColts Visual appeal Ahead In the direction of Hasselbeck and McAfee Upon Thursday NightsFrom the market towards the booth - 2 prior Colts reunited upon faculty soccer will be need to check out Tv set for followers and past teammates alike.COLTS MEDIABears DC Chuck Pagano with evening meal recommendations for all people headed in the direction of Indy Rolan Milligan Jersey.


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In a time of crisis, we need personal finance education — The Daily Campus
The United States is the land of plenty, hype-beasts and one-day delivery. We live in a time where you can buy nearly anything on earth from the comfort of your house. With everything from holidays to gameday being commercialized we, as a society, have normalized excessive consumerism.
According to Maurie Backman of USA Today (2019), the average American spends approximately $18,000 a year on nonessentials. Nonessentials are defined by the accredited newspaper USA today as commodities not necessary for survival such as restaurant meals, impulse purchases, paid apps, streaming services, recreational memberships and more. Additionally, Mark Whitehouse of the Wall Street Journal (2011) found that Americans cumulatively spend 1.2 trillion dollars annually on useless stuff. These statistics beget an important question. If the USA is the king of abundance, why does it matter if people like to spend their money more leniently? Isn't it good for the economy if people spend, because 70% of the nation's GDP is predicated on this spending? For starters, much of this spending results in larger piles of garbage and higher disposal costs. However, sticking more strictly to economics, this culture and mindset to spend more has hurt the average American financially. The US Department of Commerce (2020) observed that "personal income decreased by $874.2 billion (4.2 percent) in May of this year. Disposable personal income (DPI) decreased by $911.1 billion (4.9 percent) and personal consumption expenditures (PCE) increased by $994.5 billion (8.2 percent)." In layman's terms, Americans now have less money to spend because they don't save. This leaves the United States extremely vulnerable to any sudden economic hits that result in layoffs- enter Covid-19.
I believe the best way to alleviate this problem is to make personal finance a mandatory class in both high school and colleges. Education is the best way to equip people with the foresight needed to make sound financial decisions. Kids need to learn about housing mortgages, loans, insurance, tax and simply living within their means. Billy J. Hensley, Ph.D., president and CEO of the National Endowment for Financial Education and CNBC correspondent asserts that "financial literacy cannot predict or remedy a crisis, but financial education will play a pivotal role in the economic recovery of our country".
After the Great Recession of 2007 and the 2008 housing bubble crash, the need for mandatory personal finance classes in school became even more blatant. Entire economic catastrophes could have been avoided if people were simply educated to not take ridiculous loans from banks when having insufficient salaries and bad credit scores. However, currently, only 21 US states mandate high school students to take a course that incorporates some form of personal finance instruction and only 6 states have a course that focuses solely on the subject. The Covid-19 pandemic is the most recent reminder that most Americans don't properly save their money and that is largely due to not having the requisite background knowledge. It is clear that this issue will occur repeatedly if preventive action in schools is not taken seriously. This problem of Americans not saving for emergencies is exacerbated during mass layoffs, greatly strains, and ultimately depletes federal unemployment alleviation initiatives. According to USA Today, 59% of Americans live paycheck to paycheck and one in five Americans have no retirement savings at all.
Furthermore, this condition is not exclusive to citizens living under the national poverty line. A study by Nieson holdings, an American information and data measurement firm, found that one in four Americans making larger salaries of six figures or more are also not able to adequately create a savings stockpile. Due to the instability of several industries and the lack of savings, nearly a third of Americans were unable to pay rent this past month. Alicia Adamczyk of CNBC writes that up to "6.7 million rent-burdened households could potentially face eviction once enhanced federal unemployment insurance expires at the end of July and eviction bans across the country lift". Urban footprint, an urban planning software company, conducted an additional analysis on the issue and concluded that "This level of displacement would be unparalleled in U.S. history and carries the potential to destabilize communities for years to come". Urban Footprint's analysis considered various metrics including unemployment claims and regional housing costs to ascertain which states are at the highest risk for this eviction. They surmised that California, New York, Florida, Georgia and Texas are of the highest risk, none of which offer stand-alone personal finance classes in their high schools.
The fact is that consumer culture in the United States is at an all-time high and most people don't understand how to budget themselves when they have the ease of a credit card at their disposal. There is no better time to teach people how to manage their money than starting young.
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Budget, wise decisions key to students' financial success
Alliance Credit Union has a branch in the student union building. / VN file photo by Devonne Mccullough
Students learned strategies on how to successfully manage and grow their personal wealth during an online, campus-sponsored Zoom call recently.
"The number one key to financial success is budgeting," said Jessica McCullen, communications coordinator of Alliance Credit Union, which hosted the Nov. 19 Zoom call. The credit union has a branch on campus, which is managed by Christopher Frost.
McCullen described a budget as "a strategic plan to spend your income in such a way that meets your needs, fulfills your obligations, builds wealth and (allows you to) enjoy your life."
She explained how to make a monthly budget.
Start by writing down your total income, then list all possible expenses. Prioritize your expenses, subtract your income minus your total expenses (including savings) and that should equal zero, according to McCullen.
"Essentially, every dollar amount that you get in should have a place to go, whether that be towards your rent payment or towards your savings. At the end the monthly budget should equal You should redo a budget every month, she said.
McCullen said that this strategy helped her better manage her income once she realized how much she was spending on fast food after checking her monthly budget.
At the online event, branch manager Christopher Frost covered a section comparing credit and debit cards.
Debit cards are used for spending money from your own checking account while credit cards allow you to borrow money instead of spending your own.
Credit cards can have higher annual fees, according to Frost.
He added that the key is to pay the credit card balance within 30 days, so you don't have to pay interest.
"There are two types of interest – interest that you pay and interest that you can earn," said Frost.
There is "simple" interest, which is a fixed percentage of a loan's principal amount.
There is also compound interests, which is interest based on principal plus interest, he said.
Frost also detailed how credit scores are calculated.
"No score is not the same as a low score," said Frost
Five categories help determined a credit score: payment history (35%), amount owed (30%), length of credit history (15%), credit mix (10%) and new credit (10%).
"The misconception is that 'Hey, if I'm one day late, I'm going to get a bad mark on my credit report,' " said Frost. "That is not the case."
For anything to be reported to your credit bureau it usually must be 30 days, 60 days or 90 days late.
You can be 29 days late and get a late fee, but it won't be reported to the credit bureau, according to Frost.
A score of 300-629 points is considered bad credit, 630-689 fair credit, 690-719 good credit and 720-850 great credit.
Frost explained how people build credit.
"You really want to have two to three years of on-time payments and clean history," said Frost.
The longer you can have a clean history, the better the credit score, he noted.
"One thing to help you with that is to dispute any information that you think is inaccurate on your credit report," he said. "You also want to use your credit card."
You don't want to have a credit card you are not using, according to Frost.
Frost recommended using your credit card for something like gas if you need a way to start building credit.
Furthermore, Frost said a good mix of loans (like credit lines, student loans and auto loans) shows financial institutions that you can pay off different loans and that they can trust you.
He also suggested avoiding store credit cards since they usually have high interest rates compared to non-store credit cards.
Some store credit cards charged hefty fees for being a day late, he added.
One tip for managing debt, according to Frost, is to automatically put 10% of your income into your savings.
Other good ideas include saving for large purchases, planning on what you want to buy and negotiating on how to best pay off a loan.
Frost said students can make an appointment with him online to have their financial questions answered.
The credit union is a not-for-profit entity run by its members.
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How to Get a Personal Loan Fast
Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as "Credible."
If you're facing a financial emergency and don't have enough money set aside in savings to cover the expenses, emergency loans might help.
These are personal loans with quick funding times to quickly get you the money you need.
Here's what you should know about emergency loans and how to get them:
Emergency loans
There are several lenders that offer emergency loans. Keep in mind that you'll likely need good credit and verifiable income to qualify, though some lenders have less strict requirements than others.
Here are Credible's partner lenders that provide emergency loans:
With Avant, you could get a personal loan up to $35,000 with funding as soon as the next business day. Avant could also be a good choice if you're looking for a personal loan for bad credit.
- Rates: 9.95% – 35.99% APR
- Loan terms (years): 2, 3, 4, 5*
- Loan amount: $2,000 to $35,000**
- Fees: Origination fee
- Discounts: Autopay
- Eligibility: Available in all states except CO, CT, HI, IA, NV, NY, VT, and WV
- Min. income: $24,000
- Customer service: Phone, email
- Soft credit check: Yes
- Min. credit score: 580
- Time to get funds: As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
- Loan uses: Debt consolidation, emergency expense, life event, home improvement, and other purposes
*If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state.
**Example: A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33.
Axos offers personal loans for up to $35,000 with time to fund as soon as the next business day. To qualify for a personal loan with Axos, you'll generally need good to excellent credit.
- Rates: 6.49% – 29.99% APR
- Loan terms (years): 1, 2, 3, 4, 5
- Loan amount: $5,000 to $35,000
- Fees: No prepayment penalty
- Discounts: None
- Eligibility: Available in all 50 states
- Min. income: Does not disclose
- Customer service: Phone
- Soft credit check: Yes
- Min. credit score: 740
- Time to get funds: Next business day
- Loan uses: Debt consolidation, home improvement, and other purposes
Axos Bank personal loans review
Best Egg
Best Egg loans are available for up to $35,000 and are typically funded in one to three business days after verification. You might also be able to qualify for a lower interest rate with Best Egg than you'd get with a traditional lender.
- Rates: 5.99% – 29.99% APR
- Loan terms (years): 3, 5
- Loan amount: $5,000 – $35,000
- Fees: Origination fee
- Discounts: None
- Eligibility: Available in all states except DC, IA, VT, and WV
- Min. income: None
- Customer service: Phone
- Soft credit check: Yes
- Min. credit score: 640
- Time to get funds: As soon as 1 – 3 business days after successful verification
- Loan uses: Credit card refinancing, debt consolidation, home improvement, and other purposes
Best Egg personal loans review
Discover offers several types of financial products, including personal loans ranging from $2,500 to $35,000. With a Discover personal loan, funds could be sent as soon as the next business day after acceptance.
- Rates: 6.99% – 24.99% APR
- Loan terms (years): 3, 4, 5, 6, 7
- Loan amount: $2,500 – $35,000
- Fees: None as long as you pay on time
- Discounts: None
- Eligibility: Available in all 50 states
- Customer service: Phone
- Soft credit check: Yes
- Min. credit score: 660
- Time to get funds: Funds can be sent as soon as the next business day after acceptance
- Loan uses: Auto repair, credit card refinancing, debt consolidation, home remodel or repair, major purchase, medical expenses, taxes, vacation, and wedding
Discover personal loans review
LendingPoint loans are generally geared toward borrowers with poor or fair credit, which could make it easier to get approved. With LendingPoint, you can borrow up to $25,000, with funding as soon as the next business day.
- Rates: 15.49% – 35.99% APR
- Loan terms (years): 2, 3, 4
- Loan amount: $2,000 to $25,000
- Fees: Origination fee
- Discounts: Autopay
- Eligibility: Available in all states except CO, CT, HI, MA, MD, NV, NY, VT, WV, and WY
- Min. income: $35,000
- Customer service: Phone, email
- Soft credit check: Yes
- Min. credit score: 585
- Time to get funds: As soon as the next business day
- Loan uses: Home improvement, consolidate debt, credit card refinancing, relocate, make a large purchase, and other purposes
LendingPoint personal loans review
If you need a larger personal loan, LightStream could be a good option. LightStream offers personal loans up to $100,000 and funding potentially as soon as the same business day.
- Rates: 3.99% – 19.99% APR
- Loan terms (years): 2, 3, 4, 5, 6, 7 (up to 12 years for home improvement loans)
- Loan amount: $5,000 to $100,000
- Fees: None
- Discounts: Autopay
- Eligibility: Available in all states except RI and VT
- Min. income: Does not disclose
- Customer service: Phone, email
- Soft credit check: No
- Min. credit score: 660
- Time to get funds: As soon as the same business day
- Loan uses: Credit card refinancing, debt consolidation, home improvement, and other purposes
LightStream personal loans review
Upgrade is another lender willing to work with borrowers with less than stellar credit. You could get a loan up to $35,000 with Upgrade, with funding as fast as a day of clearing verifications.
- Rates: 7.99% – 35.97% APR
- Loan terms (years): 3, 5
- Loan amount: $1,000 to $50,000 ($3,005 minimum in GA; $6,005 minimum in MA)
- Fees: Origination fee
- Discounts: Autopay
- Eligibility: Available in all states except IA and WV
- Min. income: Does not disclose
- Customer service: Email
- Soft credit check: Yes
- Min. credit score: 580
- Time to get funds: Within a day of clearing necessary verifications
- Loan uses: Debt consolidation, credit card refinancing, home improvement, and other purposes
Loans from Upstart are available from $1,000 to $50,0005. With Upstart, you could get your funds within one to three business days.
- Rates: 8.13% – 35.99% APR4
- Loan terms (years): 3 to 5 years4
- Loan amount: $1,000 to $50,0005
- Fees: Origination fee
- Discounts: None
- Eligibility: Available in all states except IA and WV
- Min. income: $12,000
- Customer service: Phone, email
- Soft credit check: Yes
- Min. credit score: 600
(in most states)
- Time to get funds: As soon as 1 – 3 business days6
- Loan uses: Payoff credit cards, consolidate debt, take a course or bootcamp, relocate, make a large purchase, and other purposes
4The full range of available rates varies by state. The average 3-year loan offered across all lenders using the Upstart platform will have an APR of 15% and 36 monthly payments of $33 per $1,000 borrowed. There is no down payment and no prepayment penalty. Average APR is calculated based on 3-year rates offered in the last 1 month. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
5This offer is conditioned on final approval based on our consideration and verification of financial and non-financial information. Rate and loan amount are subject to change based upon information received in your full application. This offer may be accepted only by the person identified in this offer, who is old enough to legally enter into contract for the extension of credit, a US citizen or permanent resident, and a current resident of the US. Duplicate offers received are void. Closing your loan is contingent on your meeting our eligibility requirements, our verification of your information, and your agreement to the terms and conditions on the www.upstart.com website.
6If you accept your loan by 5pm EST (not including weekends or holidays), loan funds will be sent to your designated bank account on the next business day, provided that such funds are not being used to directly pay off credit cards. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law.
Learn More: Where to Get a Personal Loan
How to qualify for an emergency loan
Qualifying for a personal loan for emergencies is similar to getting approved for most other loans. The lender will typically consider your credit history, income, and ability to repay the loan in the future to determine if you're eligible.
Here are a few ways you could improve your odds of loan approval:
- Avoid taking out other new credit
- Keep your credit card balances low
- Make any existing loan payments on time
Not all lenders allow for a cosigner on personal loans though, so be sure to check.
Just keep in mind that a cosigner is legally responsible for the loan if you can't make our payments.
Learn More: No Credit Check Personal Loan
How to compare emergency loan lenders
While personal loan lenders might look similar on the surface, it's important to compare them to find a loan that fits your needs.
Be sure to consider as many lenders as possible when searching for an emergency loan. A few important factors to consider include:
- Interest rates
- Repayment terms
- Any fees charged by the lender (such as origination fees)
Before you borrow, estimate how much you'll pay for a loan using our personal loan calculator below.
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How to apply for an emergency loan
While emergencies are tough situations, getting an emergency loan doesn't have to be. Follow these four steps to apply for an emergency loan:
- Shop around and compare lenders: Start by looking for lenders that could meet your needs. Consider credit and income requirements as well as interest rates and loan limits. This way, you can likely narrow down your list of potential lenders.
- Fill out the application: Once you decide which lender you like best, you'll need to complete a full application for the loan. You might also need to submit documentation, such as proof of income.
- Get your funds: If your loan is approved, the lender will send you your funds. The fastest way to get funds in many cases is through a direct deposit.
If you're ready to find your loan, Credible can help you streamline the process. With Credible, you can see your prequalified rates from multiple lenders in just two minutes after filling out just a single form.
Ready to find your personal loan?
Credible makes it easy to find the right loan for you.
Find My Rate
Checking rates won't affect your credit
Be careful with other types of emergency loans
If you're facing an emergency, you might be tempted by other types of fast-access loans, such as:
- Payday loans are unsecured, short-term loans designed to be paid back by the next payday. While they typically don't require a credit check, they can come with interest rates ranging from 300% to 500%.
- Pawn shop loans are a type of loan where you leave a valuable item with a pawn shop to borrow money. Like payday loans, pawn shop loans usually come with extremely high interest rates. If you pay the loan back as agreed, you'll get your item back. But if you don't, the pawn shop can sell it.
- Title loans put your car's title on the line as collateral. If you don't pay the loan back as agreed, you might lose your vehicle.
Borrower beware: Payday, pawn shop, and title loans should be an absolute last resort if you need fast cash, as they can come with astronomically high interest rates and potentially predatory lending practices.
Check Out: Small Personal Loans
Alternatives to emergency loans
If an emergency loan doesn't seem right for you, here are a few alternatives that you might consider:
- Credit union loans: Because credit unions are nonprofit organizations, you might be able to get a lower interest on a credit union. However, you'll need to be a member of the credit union to apply.
- 0% APR credit card: Some credit cards offer 0% APR introductory periods. If you're able to repay the balance by the end of this period, you won't owe any interest. Keep in mind that if you can't pay off the balance by this time, you might be stuck paying hefty interest charges.
- Payment plan or hardship options: If you're facing an emergency or hardship, your creditor might be willing to work out a payment plan. Some creditors also offer hardship options. Reach out to see what your options might be.
- Ask family or friends for help: Temporarily borrowing money from family or friends could help you navigate a financial challenge. However, this could impact your relationships, so proceed with care.
- Paycheck advance: If you have a steady job, your employer might be willing to offer a payroll advance in some circumstances.
Build an emergency fund
Having an emergency fund can help you cover unexpected expenses. Generally, an emergency fund should contain even money to cover three to six months' worth of your expenses.
Having an emergency fund could help you avoid the need for an emergency loan in the future.
Another option is to sign up for a high-yield savings account. These accounts offer higher interest rates compared to standard savings accounts, which could help you increase your savings more quickly.
Keep Reading: How Personal Loans Impact Your Credit Score
About Rates and Terms: Rates for personal loans provided by lenders on the Credible platform range between 4.99-35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender's eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 8%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower's chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 12, 2019, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.
Bad Credit
Need Cash for Holiday Gifts? Dan the Deal Man Offers Lease-To-Own with No Credit Needed for Electronics and Christmas Toys
CAVE CREEK, Ariz., Nov. 30, 2020 /PRNewswire/ — DanTheDealMan.com, a nationwide e-commerce company, offers No Credit Needed lease-to-own with Progressive Leasing and Snap Finance for everything on your holiday shopping list.
Customers can shop for gifts almost anywhere on the Internet and Dan the Deal Man can put it on the lease-to-own program and even give their customers cash back for their initial payment within 24 hours. The gifts get delivered right to their customers' homes with Free Shipping. Then customers are set up on payments based on their paydays for up to one year.
"Partnering with both Snap Finance and Progressive Leasing has helped our new and past customers to get approved even when most traditional lending institutions have made it more difficult to borrow money during the Covid-19 coronavirus pandemic," said Dan Marsh, owner of Dan the Tire Man and Dan the Deal Man.
"Many people live paycheck to paycheck and they just don't have the cash upfront to purchase new items when they need them, especially during the holidays," said Katie Marsh, co-owner of Dan the Tire Man/Dan the Deal Man. "This program is great for those folks who may have bad credit or are short on cash and need and want things now."
"With most kids on their iPhones and watching TikTok or scrolling on Instagram all day, we know parents are looking for other gifts to get their kids playing games again or back outside in nature. Our company can help achieve that goal for little to no money out of pocket up front," said Dan Marsh.
Even this year's hottest gifts can be put on the program such as Apple Airpods, iPhone 12 Pro, Nintendo Switch, Kindle, Sony Noise Canceling Headphones, Fitbit, STEM kits, Lego StarWars, LeapFrog, gaming computers and much more.
About Dan and Katie:
Dan Marsh has been in all aspects of the tire business for over 35 years. From owning a small tire shop and installing tires himself to exporting large containers of tires out of the US, he garnered the experience needed to create the e-commerce websites that today are danthetireman.com and danthedealman.com. Katie Marsh has a background in SEO and marketing and manages the business day to day. To learn more, please visit danthedealman.com. Or click here to directly apply for the Snap Finance Application or the Progressive Leasing Application.
SOURCE Dan the Deal Man
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(56f) A Comprehensive Thermodynamic Model for High Salinity Produced Waters - Aqueous Na+-K+-Mg2+-Ca2+-Cl?-so42? System
- Conference: AIChE Spring Meeting and Global Congress on Process Safety
- Year: 2019
- Proceeding: 2019 Spring Meeting and 15th Global Congress on Process Safety
- Group: Spring Meeting Poster Session and Networking Reception
- Session:
- Time: Monday, April 1, 2019 - 5:00pm-7:00pm
Reuse of high salinity produced waters in oil and gas production is a major concern due to high treatment cost and regulations on disposal in the environment [1]. To support development of novel separation techniques and process innovations, we report development of a comprehensive engineering thermodynamic model for the aqueous hexary system of Na+, K+, Mg2+, Ca2+, Clâ, and SO42â, the major ionic species present in high salinity produced waters. Based on the electrolyte NRTL theory [2], the model accurately predicts thermodynamic and phase equilibrium properties with two binary interaction parameters per water-electrolyte pair and electrolyte-electrolyte pair sharing a common ion. The model is validated with the electrolyte concentrations up to salt saturation and temperatures from 273 to 473 K. This paper presents the methodology to identify the binary interaction parameters from the literature data. Furthermore, it presents the model predictions for wide varieties of thermophysical and phase equilibrium properties including salt solubilities for selected binary, ternary, and quaternary subsystems. The model should be a very useful tool in process research, development, and simulation of novel treatment processes for high salinity produced waters.
[1] D.L. Shaffer, L.H. Arias Chavez, M. Ben-Sasson, S. R.-V. Castrillón, N.Y. Yip, M. Elimelech, Environ. Sci. Technol. 2013, 47:9569-9583.
[2] Y. Song, C.-C. Chen, âSymmetric Electrolyte Nonrandom Two-Liquid Activity Coefficient Model,â Ind. Eng. Chem. Res. 2009, 48:7788-7797.


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Create A Forum Installed
Maybe not hate, but maybe not also like. Ahiku made a good point remembering Safu. Shion didn't feel that kind of attraction for her, but he also didn't reffuse, what makes me think that, even if demisexual, he could try it for some reasons.
"I would have grown up into a mild, rational, obedient adult, without even knowing there were so many emotions inside of me. I would never have known what it was like to cry, or get angry, or feel resistance toward something. I met you, and I realized how much abundance I had. And I'm proud that I know now."
"If I hadn't met you, I wouldn't have known what it was like to yearn after someone. I would never have known what it meant to love.... I'm glad I was able to know. I was born, and I was able to meet you. I don't regret a single thing. Hm, well, that might be a little bravado. You did tell me once that I had a bad habit putting on a brave face."
"You feel the same way I do, don't you? You're glad you were able to know. You wouldn't be able to live anymore without knowing what yearning and love is like."


text:
FILE PHOTO: A pupil reads a book at State House Primary School in Nairobi, capital of Kenya. /Xinhua
All schools in Kenya will reopen in January 4 after nearly a year of closure due to the coronavirus pandemic, a government official said on Monday.
Education Cabinet Secretary George Magoha announced the order following a meeting with education stakeholders to deliberate the current preparedness of full resumption for all learners.
The Kenyan government began gradually reopening schools in the country in October since schools countrywide were shut in March.
"All schools will reopen fully on the fourth of January 2021. This will apply to PP1 and 2, Grade 1, 2 and 3, Class 5, 6 and 7 and Form 1, 2 and 3 learners," Magoha said.
The reopening of schools includes international schools, which will also reopen on the same date for all levels of learners.
The reopening of schools will mark the beginning of the second term of the school calendar, and it will end on March 19.
All learners, with the exception of Class 8 and Form 4, will then have a seven-week holiday to allow primary and secondary school candidates to sit for their exams.
Students in Grade 4 and incoming Form One students will then remain at home as other learners complete the third term of the school calendar.
Magoha reiterated the government's pledge to maintain a safe environment for students and teachers.
"I wish to assure the country that the government is determined to ensure a safe reopening and learning of our schools. In doing so, we are drawing important lessons from the partial reopening that has taken place since October. We are confident that we will remain on the right trajectory to finding the winning formula that will ensure our learning institutions are safe for our learners and teachers," Magoha said.
The government's announcement comes in the wake of concerns about rising COVID-19 cases across the country.
A number of learning institutions across the country have also reported cases of students and/or teachers testing positive for COVID-19 prompting some of them to close.
On Sunday, at least 38 Form Four students of Kabarnet Boys High School in Baringo County tested positive for COVID-19, a county official said.
(With input from Ministry of Education-Kenya)
Copyright © 2020 CGTN. Beijing ICP prepared NO.16065310-3


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Shoot Animals With Camera Not With Gun Essay
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Netflix customers to Netflix: Boooooo!
Or so go the numbers from a recent survey. Netflix had biggest drop in online customer satisfaction in the bi-annual ForSee survey, dropping seven points from 86 to 79 out of 100. Deciding to raise prices, splitting the company in two, then rejoining the company before ever really splitting it probably didn't help much. Amazon topped the list for the 14th consecutive time with a score of 88. Might be interesting to look at the next report, after the Netflix dust has settled and complaints about the Kindle Fire continue to pile up. Re-seller, Overstock.com came in last with a score of 72. 72 points? That's still a C average right?
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