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High interest rates: This one is obvious. You'll have a better chance of being able to repay your loan quickly if your interest rate is low. The lower your credit score, the higher your interest rate is likely to be. That doesn't mean that you have to settle for the first loan you find, though. Shopping around can make a big difference in the size of your monthly payments.
If you find yourself in a situation where you're considering a payday loan, explore alternatives first. If you have emergency expenses, consider using a credit card or finding a cosigner for a personal loan. These have lower interest rates and don't put you in as much of a bind as payday loans. The balloon payment when the term of your payday loan expires can leave you short when your next paycheck arrives, which can force you into taking out another to pay for your expenses. In cases like this, making minimum payments on a credit card, while not ideal, is a better option than being caught in a payday loan debt trap.
You can see how rolling over loans can lead to you paying much more than you initially borrowed. If you're considering a payday loan but are worried about being able to pay it back, look into an installment loan. These tend to have smaller payments spread out over a longer time period. You can also work on improving your credit to become eligible for personal loans or credit cards, which have lower rates and monthly minimum payments.
A lot of people are looking for storefront lenders. Imagine the time it takes to go there, fill out an application only to be refused by the store. Nearly everyone has a smartphone or computer these days, so there is no need to leave your home. Just fill in our form and the loan process can be done in minutes. Save yourself the bother and stick to online applications, it is easier.
It could be that these loans have been forgotten, you've lost touch with the borrower, or simply more pressing things in life took over that you and your borrower were not able to settle the debt formally. These are often small amounts but it does not matter. If you have such collectibles, the time has appropriately come for you to demand repayment.
Many of the lenders in our network stick with in-house debt collection practices rather than selling your debt to an outside collection agency, and they will never sue you or threaten criminal charges against you. Your lender may attempt to collect your debt via email, postal mail, telephone, or text message, and they may offer you a settlement so that you can repay your debt over time. All of our lenders are required to adhere to the Fair Debt Collection Practices Act which protects you from harassment. You can contact your lender for more information about its specific policies.
Repayment terms are based on the useful life of the security, a loan applicant's repayment ability, and the type of loss involved. The repayment schedule will require at least 1 payment every year. Emergency loans for annual operating expenses must be repaid within 12 months, and not to exceed 18 months if an extended term is necessary for the production cycle of the agricultural commodity.
From IH-635 exit either Abrams Road or Skillman Street and go south until the 2 roads intersect. The Cash Store is located at the intersection of Abrams Road and Skillman Street directly across the street from the Super Target. From Hwy. 75 exit Northwest Highway and head east until you get to Abrams Road. Turn right and continue north on Abrams Road. The Cash Store will be on your left at the intersection of Abrams Road and Skillman Street.
Just fill out an application form with the basic information required, submit an application and wait for an approval in case you are eligible for our short-term loans. How to know if you are able to qualify for the bad credit loan online? Just check out requirements at our website. As any good borrower, you must be not younger than 18, have a bank account and provide its details via the application form to get immediate cash loan directly into your account, share contacts (e-mail and cell number), be a resident or a citizen of the country.
You are innocent until proven guilty and sometimes, you might not be guilty at all. And sometimes, it might not be you but someone who is very near and dear to you. And the police needs to follow the rules set by our lawmakers, and the bail amounts can be high (depending on the charges) and might not be possible for everyone to have that much money available to them at their disposal. But you can have it in 24 hours with Finance Buddha's Insta Loans. We understand that emergencies like an arrest can affect you and your family severely. Hence we have made personal loan process 100% online wherein you can apply online anytime from anywhere. Our proprietary algorithm determines (based on the information provided by you) your eligibility and gives eApproval within 2 hours of applying online. After which you need to provide few more details and upload all the documents online. Once we have everything we need, your loan processing starts. And if you satisfy all the eligibility criteria your personal loan application is approved immediately and your loan amount is disbursed within 24 hours.
The money amount approved generally varies from $100 to $1,500. The amount is usually lent to you based upon your requirements and demands. The unpredictable nature associated with money may put you in an unpredicted cash crunch because there are a number of elements that can makeyour per month spending budget go over its limits. Instant loans actually started really not too long ago and they also call for a client to hold a good credit score to get approval. It is normally not necessary for you to undergo any really difficult process to get the loan program agreement. You should be authorized in quite a short time.
Instead of getting a payday loan, you can apply for a line of credit, a service Speedy Cash offers in select states. A line of credit differs from a payday or installment loan in that you only pay interest on the amount you use, not the total you're eligible to borrow. Like payday loans, the fees you pay on a line of credit vary from state to state – depending on the regulations in your state, you can end up paying as little as $13 or as much as $22 for every $100 you borrow. An advantage of a line of credit is you only draw the money you need and only pay back what you borrow, which gives you some flexibility.
Once you apply for Insta Loan online, our proprietary algorithm will use the details provided by you to determine your eligibility for the requested amount and instantaneously let you know. If you satisfy all the eligibility criteria, you will be sent a link to continue your application process by providing your details and uploading the documents required. Once we receive the details from you, our dedicated team will go through your details and verify all the information provided. Once all this has been done, you will receive a confirmation about your loan details and your loan will be disbursed within 24 hours.
We take pride on quickly finding you a lender . You only need to fill out a short form and then wait while we will make everything to find you the cheapest payday loan online.. After your loan is approved, you will be contacted with a lender to review the terms of the loan, and if accepted, the funds will be deposited directly into your bank account!
Fundraising software is a variety of tools developed to make fundraising efficient, effective and easier for your organization and donors. This is utilized by organizations to streamline fundraising efforts and ease logistical challenges to focus on establishing stronger donor relationships and driving more donations. It comes in various types depending on the campaigns you are…
We can not guarantee that completing an online form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or on the desirable terms, or receiving any approval from a lender in the first place. Participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and Experian to determine credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit. Cash transfer times and terms may vary from lender to lender. Not all the lenders in our network can provide up to $1,000. The limits and regulations vary from state to state. We remind that short-term loans are not a long term financial solution.
One obvious place that people overwhelmed with emergency is their personal money stash – the piggybank, the coin and dollar slot in the car, the dollar bowl on the kitchen shelf. Remember, small amounts can add up to something already significant especially in times of emergency. This could be the first or last step in your emergency cash search, either way, it is bound to give you something of value.
RISE has tools for monitoring credit. When you apply for a loan, you can sign up for Credit Score Plus, which gives you access to your TransUnion credit score and monthly updates on that score. You also get alerts and notifications about activity that affects your credit score. If you're investigating payday loans and alternatives because of insufficient credit, this is a useful tool that can help you build your credit. When your credit improves, you can get loans from institutions that don't charge exorbitant rates.
As a legit online loans direct lender, we understand your instant need for money and value your time as well. Hence, we have structured our installment cash advance loans with no hard credit check to considerably reduce the time and efforts required to apply, get approval and receive funds. Our flex pay loans online platform is user friendly, quick, highly secure, 100% paperless, and can be accessed 24/7 even from your mobile device. In addition, the electronic transfer of funds via ACH makes the small loan process even more convenient.
The Financial Aid and Scholarships Office reserves the right to determine whether to make a loan available after assessing eligibility and other factors that may affect the student's registration or ability to repay the loan. This determination of eligibility is subject to verification of the information provided in the application and the university's records. The maximum loan amount is established each semester by the Financial Aid and Scholarships Office and is subject to change without notice.
Jason is your regular guy – but with a flair for words. With over 10 years of experience in writing topics which he loves, personal finance, this University of Florida graduate grabs attention with his well-outlined content piece and keeps readers reloading the page for more. When he's not writing, Jason can be seen running as he describes himself as a 'running addict.' About us »
The special personal appeal is especially helpful (and crucial) if you have issued post-dated checks. Make an appeal for these checks not to be deposited until after you have ready funds. To be sure, talk to your bank and explain your situation so that cancellation of current checks for deposits should be applied and you won't be charged the high penalty for unfunded checks. Once you have cleared the way through good personal appeals with all parties concerned, you can safely re-channel whatever ready or expected cash you have to the emergency situation.
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution's Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
RISE has tools for monitoring credit. When you apply for a loan, you can sign up for Credit Score Plus, which gives you access to your TransUnion credit score and monthly updates on that score. You also get alerts and notifications about activity that affects your credit score. If you're investigating payday loans and alternatives because of insufficient credit, this is a useful tool that can help you build your credit. When your credit improves, you can get loans from institutions that don't charge exorbitant rates.
Moneytree is a member of the Community Financial Services Association (CFSA), the Financial Service Centers of America (FiSCA), California Financial Service Providers Association (CFSP), and the Colorado Financial Services Centers Association (COFiSCA). Moneytree actively supports laws, regulations and industry best practices that protect consumers and preserve access to credit. As a member of the Community Financial Services Association of America (CFSA), our company encourages responsible industry practices and proudly supports and abides by CFSA's Best Practices.
Many people have trouble paying back their cash advance loans, and rollover is common. In fact, 80 percent of cash advances are rolled over or followed by another loan within 14 days of the first.3 And far too often it doesn't end there. The loan becomes due and borrowers still can't pay back the lump sum they owe, so what do they do? They roll it over once more and the cycle starts again.
*A Trusted Partner designation denotes a listing whose rank has been determined by our staff. Typically, TheTopTens receives compensation for these placements in the form of commissions on sales or leads generated through this site. Because our compensation is tied to consumer behavior, we are incentivized to promote the companies and products people are more likely to respond favorably toward.
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Desperate times need desperate measures. Emergency situations may not leave you with enough time to run around and arrange the paperwork required for a personal loan. Hence we created a completely online personal loan process, where you can upload all the documents required for Insta Loan from your computer, mobile or tablet, hence saving you a lot of time to focus on other important things.
For most people, a cash advance (also known as a payday advance) is something associated with a credit card or other line of credit. Many credit card companies make it easy for customers to receive cash advances nearby by using their credit card at a local ATM. The problem with such tactics is that the costs of the advance can add up quickly and you might not even realize what all those costs are. You'll likely pay an ATM fee charged by the bank that runs the machine, and you might also pay a fee to the credit card company for taking the advance, along with finance charges and interest if you don't pay the money back before your next billing cycle. Some credit card companies charge interest on cash advances that is higher than the interest charged on regular balances, which can make for surprising increases in your total balance.
You don't always have enough money in the bank to make it to the next payday. Unexpected expenses exceed your savings, and you need some way to supplement your short-term cash flow. Figuring out the best payday loans (or best alternatives to a payday loan) to fit your needs requires understanding these loans and knowing what to look for in a lender.
With a title loan, the amount you qualify for depends on an assessment of your car's value. Loans range from a few hundred dollars to $10,000. A standard title loan is due in full after 30 days. This includes the finance charge, which can be as much as $125 for a $500 loan – that means you'll pay $625 total when the loan is due. According to the Pew Charitable Trust, the average APR on title loans is around 300%.
Check Into Cash is one of the most widespread payday lenders in the country, offering payday loans, installments loans and other financial services to customers in 32 states. Payday loans aren't legal everywhere, and in some states, Check Into Cash may offer different services. Because it has the broadest service area, reasonable fees for a payday lender and an array of financial services, it is our pick for the best lender overall.
Just fill out an application form with the basic information required, submit an application and wait for an approval in case you are eligible for our short-term loans. How to know if you are able to qualify for the bad credit loan online? Just check out requirements at our website. As any good borrower, you must be not younger than 18, have a bank account and provide its details via the application form to get immediate cash loan directly into your account, share contacts (e-mail and cell number), be a resident or a citizen of the country.
Nexo is ambitiously pursuing its goal of providing cryptoasset-backed credit to consumers in the EU and U.S. [...]. Nexo's primary protocol functionality is an online platform that enables users to create instant cryptocurrency-backed loans by depositing various major cryptoassets into a Nexo wallet. The system automatically adjusts the credit limit based on the fluctuating value of the deposited cryptoassets.
Because every state regulates payday loans differently and each lender operates in different states, there's no one-size-fits-all pricing. Some states have limits on how much a payday lender can charge, some have no limits and some have enough regulations in place that payday lenders don't operate in them. This makes evaluating lenders on their rates difficult. With that in mind, we looked for the highest and lowest fee each lender charges. This gives a good baseline for how much you can expect to pay and how these lenders approach state regulations, especially in the states with no regulations. The fees we list apply to a $100 loan for a 14-day period. Many of these lenders offer additional products, including installment loans, lines of credit and check cashing. Installment loans are paid back bi-weekly or over several months. They are larger than payday loans but are often as expensive or more so. Over the course of paying back an installment loan, you often pay double the amount you borrowed. Some of the lenders we looked at, including RISE and LendUp, offer installment loans that have lower rates than standard payday loans.
To get started, you need to complete a quick loan form. Just enter your personal and banking details. Make sure all fields are filled correctly. Our loan request form is super easy and takes only 5 minutes of your time. You can submit the form with the low credit to get an emergency loan, though we can't guarantee you'll get the lender's approval. Our service offers emergency online loans via trusted lendes and we don't make any credit decisions. We'll only attempt to connect you with the most suitable lender ASAP.
Customer Notice: Payday Loans are typically for two-to four-week terms (up to six months in IL). Some borrowers, however, use Payday Loans for several months, which can be expensive. Payday Loans (also referred to as Payday Advances, Cash Advances, Deferred Deposit Transactions/Loans) and high-interest loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction. See State Center for specific information and requirements.
We take pride on quickly finding you a lender . You only need to fill out a short form and then wait while we will make everything to find you the cheapest payday loan online.. After your loan is approved, you will be contacted with a lender to review the terms of the loan, and if accepted, the funds will be deposited directly into your bank account!
NHCash.com is a direct lender and we don't match and sell your information to other loan companies without you knowing. We service your cash advance loan from application to final payment. Our online application is free and you may apply anytime morning, noon, or night. Avoid high interest traditionally associated with other payday and cash advance products. We have a cheaper monthly payment and a no early payment penalty policy. You don't have to pay us your entire loan balance on your next pay day when you receive your check. Pay us your minimum payment when it's due and pay off whenever you want. The choice is yours. Once you fulfill your bad credit loan obligation you can qualify for larger lines of credit with timely payment history. Take control today and help your credit score by taking a cash advance, payday loan or same day loan at NHCash.com
*APR's on personal loan offers from the panel of lending partners on Monevo originated through Google or Bing advertisements range from 3.34% to 35.99%, with loan durations between 90 days and 144 months. Repayment examples (for illustrative purposes only): a $10,000 loan at 4.89% APR with a term of 3 years would result in 36 monthly payments of $299 (Total repayable : $10,772) and a $10,000 loan at 9.99% APR with a term of 5 years would result in 60 monthly payments of $201.81 (Total repayable : $12,108.60). Each state has specific rules and regulations that govern lending partners. The amount you can borrow, the APR, and repayment term are based on your state's laws, the lending partner, and your creditworthiness.
Investments are made to earn profits/returns on the invested account. Whether it be Equities, Precious Metals or Fixed Deposits or Mutual Funds, whatever be it, Insta Loan is offered at a higher interest rate and no other investment channel will give returns higher than the interest paid on Insta Loan throughout its tenure. Hence any investments made using Insta Loan as the source fund will leave your accounts in losses.
APPLY: We understand you wouldn't be applying for a bad credit loan if your credit was perfect. After you finish your application, our underwriting team reviews it for honesty and make a request from a few reporting bureaus regarding your past credit and payment history. We do this to understandhelp us better understand what our relationship with you will look like. The underwriting team reviews your application and once approved, deposits your loan funds into your account. It takes less than one (1) business day for you to get all your funds if your application information is right and aligned with our approval policies. APPLY NOW
Every borrower has to pay the processing fees. Processing fees is a charge that passes on expenses to the borrowers for getting documentation, evaluations, work and record of loan repayment, or some other data essential for the lender's endorsing office This is non-refundable. The processing charge for Insta Loan is 1.50% to 2.00% of the loan amount in addition to service taxes.
A: When approving an applicant for a loan, several factors are considered. During the application process, Speedy Cash considers your current income and the type of loan you are applying for, among several other factors. Once we process your application we will give you a lending decision, typically within just a few minutes, and if approved, let you know how much you're approved to borrow.
"The team at Financebuddha has been very helpful in arranging for the home loan for my house. The service quality is excellent and the customer service has been very responsive and prompt. I managed to get my loan without any hassles and on time. I am very happy and satisfied with the services I recieved. Would recommend them to any of my friends anytime."
Finance Buddha's Insta Loans are essentially 100% online loans, in which all the steps involved are done online both on the applicant's side as well as the lender's side. The applicant has to apply online, upload the documents online as well as the signing of the loan agreement is also done online. On the lender's side, Finance Buddha, once the application is received, it is processed online. Finance Buddha's proprietary algorithm works in the background to determine the eligibility of the applicant and the best offer available, if eligible, post which the application gets approved. The removal of the human element from the approval process significantly improves the time involved, reducing it to a maximum of 2 hours. Once all the documents are received from the applicant, they are once again scrutinized by our algorithm to verify their authenticity. As soon as the processing is over, the applicant receives the confirmation and the disbursal of loan amount soon after.
You often hear that payday loans are something people turn to when there's an emergency expense like a car accident or medical emergency. That's not necessarily true. In a study on payday loans, the Pew Charitable Trust found that 69 percent are used to pay for recurring expenses like utilities, food or other bills. The average borrower uses eight loans a year, which last about 18 days each.
Consumer Notice: Cash advances are short-term loans, and can typically range from $100 to $999. They are intended for short-term financial relief and do not constitute long-term financial solutions. For example, they can generally be intended to be repaid within a year. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Federal and state laws cover certain types of lenders and loans, including short-term loans. If a lender is wholly owned and operated by a federally recognized American Indian Tribe and sovereign government, applicable Tribal and Federal law governs its loans and related contracts, requests and documents. Tribal lenders' rates and fees may be higher than state-licensed lenders, and are subject to federal and tribal laws, not state laws. Consumers are encouraged to research laws that may be applicable to short-term loans, and to ask their lenders for more information.
There are enough reliable lenders in the country who use a different approach while making lending decisions. For this reason, approvals are not always based on credit history. They are based on your current situation, the income coming into your house on a regular basis, and consequently your ability to repay the loan in full within the agreed period.


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Please post general club or radio topics in the General group.
It's that time again: take your turn and run the weekly Monday Night Net! It's fun and easy, and great practice for when we really need folks to operate a managed net.
I have February 9, Jeneen is running the 16th and 23rd, but after that we're wide open… so you've got almost a month to get ready!
Reply to this post with the dates you'd like to work!
I can take March 1st. and 9th
I think Jack means March 2nd and 9th. I can take March 16 and 23.
That's correct, March 2nd and 9th
I can take March 30th and April 6th.
Woo-hoo! March is covered! Anyone want to follow Neil in April?
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subset: commoncrawl


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Member statement: Instead of austerity, December 12, 2018
The right people need to pay their fair share.Read more
The right people need to pay their fair share.Read more
The government has decided to abandon the project after 16 million dollars has already been spent.Read more
Tuesday we learned the renovations to the Memramcook Institute will be stopped.Read more
Andrew Weaver, leader of the Green Party of British Colombia was surprised to hear the remarks of Blain Higgs during the December 12 Question Period.Read more
To adequately address the problems in our society, we need a long-term vision.Read more
St. Mary's First Nation is opening a homeless shelter for community members and the general public.Read more
Secrecy surrounds the work of the domestic violence death review committee.Read more
Fredericton– On December 13, David Coon, Leader of the Green Party of New Brunswick and MLA for Fredericton South will introduce an Act to Amend the Residential Tenancies Acton Thursday to update the act to provide tenants in New Brunswick with the safeguards commonly found across Canada. "If the Act to Amend the Residential Tenancies Act is adopted, our most […]Read more
To host these games is an incredible opportunity for our province. We need to get to the bottom of the expanded budget to find a way forward.Read more
We need to seize upon the tremendous untapped opportunity in this province to put our waste to work in the creation of new products.Read more


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Bush returning with new album 'Black And White Rainbows'/ Ben Doy
Currently lighting up our TV screens every Saturday night as a coach on The Voice UK, Gavin Rossdale has also been spending time in Los Angeles writing and recording a new Bush album. The band's 7th studio album Black And White Rainbows is out March 10th.
Written and produced by Gavin and recorded at Sea of Sound in Hollywood, Black and White Rainbows tears through its 15 tracks. From the first track, brand new single 'Mad Love' (impacts March 10th) to the closing track 'People At War', the album barely pauses for breath.
March will see Bush first perform their new single 'Mad Love' during The Voice UK live shows and then play a headline show at the Shepherds Bush Empire March 14th.
Gavin Rossdale has had huge success on both sides of the Atlantic as lead vocalist, guitarist and songwriter with his band Bush, and as a solo artist, not only selling close to 20 million records in the US, but also having 17 Top 40 hit singles to date.
Bush's debut album Sixteen Stone went six times Platinum and their follow-up Razorblade Suitcase hit Number One in the US charts. Gavin also found Top 40 success in the US with solo album Wanderlustand more recently Bush have released 2011's The Sea of Memories and 2014's Man On The Run. In 2013 Gavin received the prestigious Ivor Novello Award for International Achievement presented by Coldplay's Chris Martin.
Black And White Rainbows Tracklisting
1. Mad Love
2. Peace-s
3. Water
4. Lost In You
5. Sky Turns Day Glo
6. Toma Mi Corazon
7. All The Worlds Within You
8. Nurse
9. The Beat Of Your Heart
10. Dystopia
11. Ray Of Light
12. Ravens
13. Nothing But A Car Chase
14. The Edge Of Love
15. People At War
By Wal Reid
Artist: Dashboard Confessional
Date / Venue: Thursday December 12th, 2018 - Galatos, Auckland
After a huge viral campaign from their South Island fans, SIX60 announce that they'll be bringing their stadium show to Forsyth Barr Stadium on Saturday 9 March.
John Mayer will be kicking off his 2019 World Tour on Saturday, March 23, 2019, in Auckland, New Zealand at Spark Arena, followed by three Australian concerts
Event: Mayday Parade Live in Auckland
Date / Venue: Thursday, 6th December 2018, Powerstation, Auckland
Photos by: Ginny C Photography
In true kiwi summer tour tradition Marlon Williams will now take The Tūrangawaewae Tour to a further six markets this February making it a total of 12 shows - Marlon's most comprehensive New Zealand tour ever!
By Mark Derricutt
Artist: Joe Satriani
Date / Venue: Tuesday December 4th, 2018 - The Powerstation, Auckland
Brisbane progressive maestro's Opus of a Machine released their highly praised new album, Stray Fire, in early August.
'We Appreciate Power' is the new track from Grimes; a hard, audacious rock banger which was produced, performed and written by Grimes and featuring HANA.
With sounds primed for a hot summer ahead, Christchurch four piece Mako Road have arrived with the perfect soundtrack for long nights, cold drinks and hazy days with the 'Local Safari' EP, which releases today.
Air Supply, one of Australia's most loved and successful music exports, returns to Australia and New Zealand in 2019.
"Music can bring us all together, it bonds us, it strengthens us..." this song "Your Guardian Angel" by Red Jumpsuit Apparatus has been dedicated to Toyah Cordingley.
Please spread the word to anyone who loves the song, or has lost someone too early also, feel free to leave any dedications in the comments of which we will share direct for Toyahs' family and the band to see.
By Mark Derricutt
Artist: Jordan Rudess
Date / Venue: Sunday November 25th, 2018 - The Tuning Fork, Auckland


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smelly washer cleaner forgotten laundry how to remove the stink from clothes left in the washer a slob comes clean.
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quarter round rug ethnic style birds stock illustration with paisley and flowers chinese ese rugs shutterstock large carpet light jute big lots area nuloom moroccan trellis
1. Selection of the material
A round rug is a versatile and also attractive floor covering in the best selection of colours, designs and also product make-ups you can possibly picture! An area rug is flexible. They can develop terrific centerpieces with dashes of colour to be the unifying aspect in tying the design of a room together.
If you intend to develop a centerpiece in a room, select a carpet with a central medallion or layout attribute. If there is already an obvious main prime focus such as a fire place, it's finest to utilize a rug with a much more repeated, not so obvious pattern.
Final Thoughts On Choosing A Round Area Rug. A round area carpet is a attractive and functional floor covering in the widest selection of colours, styles as well as product structures you could possibly imagine! A round area rug provides convenience, cushioning as well as heat over floorings with a difficult surface area finish such as ceramic tile, stone, laminate or hardwood floorings. Develop an intimate discussion area by attracting interest to a specific location of the area, enhancing the focus point and cosiness of that location by making use of a beautiful round area carpet in producing an inviting area ...
From cozy woollen to stylish bamboo, the area rugs are made out of various sorts of materials. There are area rugs that feature a Sisal-wool combination too. The major advantage of using such sisal-wool area rug is that they can be quickly cleaned up by utilizing a traditional hoover. The sisal-wool location rugs have great audio taking in capacities too. If your areas generate much resemble, the Sisal-Wool area carpets will be best for you. There are pure woolen area rugs if you enjoy natural products rather than artificial ones. The woolen rugs are made for you if you such as to be atmosphere friendly. The added benefit of the woolen carpet is that they are very sturdy and could last for a lifetime in its whole grandeur. The bamboo area rugs are the ones to look for when it comes to atmosphere kindness along with excellent looks and also sturdiness. They are stain resistant and also the bamboo rug maintenance is really basic. There are other rugs like silk rug, Persian area rugs and so on.
2. The Size aspect
Picture Gallery of quarter round rug ethnic style birds stock illustration with paisley and flowers chinese ese rugs shutterstock large carpet light jute big lots area nuloom moroccan trellis


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A rare case of lipoid pneumonia attributed to amiodarone
We report a case of endogenous lipoid pneumonia secondary to long-term use of amiodarone (> 30 years) for atrial fibrillation in a 76-year-old Caucasian woman, presenting with cough and dyspnea. Endogenous Lipoid pneumonia is a rare underdiagnosed condition more prevalent in adults. It is usually asymptomatic and a diagnosis is generally made in patients who have become clinically unstable or when an abnormal lung shadow is found on a chest X-ray. In the case here described it was diagnosed by fiberoptic bronchoscopy with bronchoalveolar lavage (BALF) where fat-laden macrophages (oil red O stain) were identified. Since a history of use of oil-based products had been ruled out, amiodarone was deemed to be the most likely cause of lipoid pneumonia. The patient was managed with the replacement of amiodarone with digoxin and treated with oral prednisolone. The patient has remained clinically stable with radiological improvement during a follow-up of two years.
KeywordsEndogenous lipoid pneumonia Amiodarone Bronchoalveolar lavage Prednisolone treatment
Acute Respiratory Distress Syndrome
bronchoalveolar lavage
Diffusing capacity of the lung for carbon monoxide
Fine Needle Aspiration
High Resolution Computed Tomography
Endogenous lipoid pneumonia is an uncommon clinical condition, more prevalent in adult age, but generally underdiagnosed. It can be associated with bronchial obstruction [1], systemic diseases such as rheumatoid arthritis, Hodgkin's lymphoma, and Wegener's granulomatosis or it can be idiopathic [2]. Here we report the case of a 76-year-old woman who was diagnosed with endogenous lipoid pneumonia attributed to chronic use of amiodarone (30 years) and successfully treated with discontinuation of amiodarone and prescription of prednisolone. Amiodarone was replaced with digoxine . Most reported cases of lipoid pneumonia diagnosed as exogenous lipoid pneumonia are due to either aspiration or inhalation of mineral or vege oils [3, 11]. Lipoid pneumonia occurs mostly in the elderly and in children with developmental disabilities, presumably because these groups are more prone to aspiration [15].
Case report
Selected pulmonary function test results
Predicted (%)
Forced vital capacity (FVC)
Forced expiratory volume in 1 s (FEV1)
Inspiratory capacity
Total lung capacity
Residual volume
DLCO corrected for hemoglobin
Radiologically, differential diagnosis included atypical pneumonia, interstitial lung disease and tuberculosis was ruled out. The patient underwent fiberoptic bronchoscopy for bronchial wash and bronchoalveolar lavage (BALF) was collected for immunological studies as well. The bronchial washings were sent for smear for acid fast bacilli and cytological examination. No microorganisms were isolated by 48bacteriological examination and no malignant cells were found.
The patient had never aspirated or inhaled mineral or vegetable oils and she had never used petroleum jelly intranasally or extra-nasally as a decongestant. However, it is described in the literature that chronic use of amiodarone can cause endogenous lipoid pneumonia (phospholipidosis) [17]. Amiodarone, as an amphiphilic cationic compound, interferes with the movement of phospholipids across intracellular membranes and inhibits phospholipid catabolism through its potent inhibitory effect on lysosomal phospholipase 2. Drug-induced phospholipidosis assumes the form of a 'foamy cell 'response.
In our case, the patient had been taking amiodarone (200 mg OD) for 30 years which was considered the most likely cause. It was therefore discontinued and replaced with digoxin (0.25 mg OD) for the treatment of atrial fibrillation. She was also started on oral prednisolone (20 mg OD) which was gradually tapered over a period of six months.
Lipoid pneumonia can be classified into endogenous lipoid and exogenous lipoid pneumonia [2, 5, 6]. Compared to exogenous lipoid pneumonia, endogenous lipoid pneumonia is rarer and its etiology, which is not clear, may be associated with metabolic or secretory abnormalities of cholesterol in the alveolar epithelial tissue and excessive release of lipids uptaken by histiocytes [2]. It is considered a chronic foreign body reaction to fat, characterized by lipid-laden macrophages [5] and is usually associated with bronchial obstruction [1]. Additionally, endogenous lipoid pneumonia can be associated with systemic diseases such as rheumatoid arthritis, Hodgkin's lymphoma, and Wegener's granulomatosis. It can also be idiopathic and the pathogenes is unknown [2]. In the present case report there was no history of use of oil-based products so a diagnosis of endogenous lipoid pneumonia was more likely in the absence of systemic diseases or obstructive changes on the imaging of the lungs. Since it is described in the literature that chronic use of amiodarone can cause endogenous lipoid pneumonia it was deemed that this could be the agent responsible for the patient's condition [15].
Amiodarone and its metabolites can produce lung damage directly through a cytotoxic effect and indirectly via an immunological reaction. Amiodarone may induce the production of toxic oxygen radicals, which can directly damage cells. In addition, amiodarone appears to promote the accumulation of phospholipids in tissues. There is hyperplasia of type II pneumocytes and a widening of alveolar septae with a cellular inflammatory infiltrate and varying degrees of interstitial fibrosis [18]. On light microscopy, vacuolization of the cytoplasm was seen in alveolar pneumocytes, bronchial epithelial cells and endothelial cells [16]. The typical features and diagnosis of the lipoid pneumonia depend on the presence of lipid-laden macrophages (the so-called 'foamy cells') in respiratory samples such as sputum, bronchoalveolar lavage fluid (BALF) or fine-needle aspiration (FNA) cytology/biopsy from lung lesions and of course on a high index of suspicion [2, 4, 7, 8, 9].
The usual course includes an insidious onset and non-specific respiratory symptoms such as dyspnea and/or cough. Rarely, it may present itself as an acute respiratory illness [6, 7, 9, 10] even with hemoptysis [13].
Radiological findings are diverse and may mimic carcinoma, acute or chronic pneumonia, ARDS, or a localized granuloma. High-resolution computed tomography (HRCT) is the best imaging modality for the diagnosis of lipoid pneumonia. However, the radiological manifestations of the disease can be indistinguishable from pneumonia, lung cancer or/ and interstitial lung diseases [12]. In the literature it has also been reported that CT scan and magnetic resonance imaging can detect fat within pulmonary tissue. The most commonly described feature is alveolar consolidations of low attenuation values, ground glass opacities with a thickening of intralobular septa ('crazy-paving' pattern), or alveolar nodules [2, 6, 7, 8, 11].
Treatment of lipoid pneumonia is not well studied and experiences are only limited to case reports. Some authors have suggested the use of systemic corticosteroids in order to slow the inflammatory response.
Nevertheless, corticosteroids may not be used routinely and may only be used if the lung injury is severe and ongoing. Some authors have described resection of the most involved lung segments while others the use of immunoglobins or whole lung-lavages [2, 4, 7, 8, 9]. Our patient responded well to oral corticosteroids and her clinical conditions improved during a follow-up of two years.
In conclusion, endogenous lipoid pneumonia is very uncommon and in this case the diagnosis was attributed to the long-term use of amiodarone.
Lipoid pneumonia was confirmed by BALF (bronchoalveolar lavage) where foamy macrophages positive in Oil-red-O staining were found [14]. Withdrawal of the suspected agent and a trial of oral corticosteroids were the mainstay of our treatment. If undetected, lipoid pneumonia can insidiously or symptomatically lead to pulmonary fibrosis and end-stage lung disease.
The authors appreciate the helpful comments and advice provided by Dr. Clio P. Mavragani (Department of Physiology School of Medicine, University of Athens) for the review of the manuscript.
This research did not receive any specific grant from funding agencies in the public, commercial or profit sectors.
Availability of data and materials
The datasets used and/or analysed during the current study are available from the corresponding author on request.
Authors' contributions
The manuscript was prepared for submission by IV and AV. The final version of the manuscript was approved by all authors prior to submission.
Consent for publication
Written informed consent was obtained from the patient for publication of this case report and any accompanying data.
Competing interests
The authors declare that they have no competing interests.
Publisher's Note
Springer Nature remains neutral with regard to jurisdictional claims in published maps and institutional affiliations.
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Open AccessThis article is distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution, and reproduction in any medium, provided you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license, and indicate if changes were made. The Creative Commons Public Domain Dedication waiver (http://creativecommons.org/publicdomain/zero/1.0/) applies to the data made available in this article, unless otherwise stated.


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As the owner or marketing director of a small or medium size business, there may come a time when you feel you need to re-position or re-brand your product, service or even your company itself in the marketplace. More than likely, you can't outright own your category. But you can certainly carve out a niche — based on a concept or advantage — that is all yours and the marketplace associates with you. More specifically, your brand position wants to revolve around the needs of your customers and a strength or advantage your brand offers, preferably one for which you're already known.
So how do you identify that niche and winning positioning strategy?
It all starts with brand research into what your customers think and feel about your brand. The scope of that brand research will depend on the size of your business and your budget. But make no mistake: If you're looking to re-position or re-brand, there is no more valuable information you can have than the thoughtful insights of customers.
While larger businesses will probably want to conduct full-blown, statistically rigorous market research into both customer and prospect perceptions of the brand, a small or medium size business can usually gain invaluable insight with a much more modest brand research effort.
A 4-step process for conducting your own brand research
If you have a marketing agency, you may want to enlist their help your brand research, but you and your in-house marketing team can do the job yourselves if you're willing to invest some thought and time into the effort.
There are four steps we typically include when we conduct a Brand Discovery Study for our clients. For details on the process, download our free eBook, Positioning: The Secret to Re-Branding. A do-it-yourself guide to small and medium size businesses. But here's the process in brief:
1) Internal Interviews
Internal interviews are where we recommend starting for a number of reasons. First, Your employees will buy into your eventual brand position much easier if they feel they've contributed to the process. More importantly, they are likely to have strong opinions about your company and brand's strengths and weaknesses, as well as on what your brand is all about — or what they think it should stand for. Finally, the findings from your internal interviews will help inform the questions you want to ask your customers and prospects.
Employees with frequent customer contact are likely to have the most meaningful insights. Remember, this is about positioning your brand in the minds of customers. That said, it's good to interview people from several, if not all, levels of the company. Develop a list of questions designed to uncover the strengths and weaknesses of the brand. Ask what excites them about the brand; what they think customers like best about the brand; what they think the brand's biggest advantage is relative to the competition… You get the idea. In the end, the answers you get to these questions will help you formulate questions for the next phase.
2) Customer and Prospect Interviews
Line up customers who would be willing to take 20 to 30 minutes to answer questions about your brand you're interested in investigating, be it a product, service, or the company itself. The first question you should always ask is "What is the first thing that comes to mind when you think of [the brand name]?" Ask and then wait for their answer. Whatever they answer is a good indication of the position you currently hold in their mind. It's also what the market research pros call "unaided awareness."
3) Competitor Research
Aside from any insights on competitors you gained from the customer and prospect interviews, review the web sites of your competitors and any other materials of theirs you can obtain. Try to determine the position they may own or aspire to. List their tag line or slogan, if they have one. Look for other competitive attributes you may be interested in and put all the information in a spreadsheet by competitor. Alternatively, you can make a Word doc for each competitor, but do try to gather the same information for all.
For steps 1 through 3, there is no magic number for how many employees, or customers or prospects to interview, nor for the number of competitors you research. The more interviews, the more confident you can be in your findings. Above all, don't cherry pick clients who will give you the answers you want to hear. Get a good cross-section and encourage complete honesty (This is where the help of a third party like your marketing agency can be valuable. They can even promise anonymity.). Finally, be grateful for the information you receive, however good or bad it may seem. Whatever the case, it will be valuable in helping you determine your brand's future direction.
4) Analysis
First, compile the answers. It helps to have a separate document for each question. Then begin looking for threads that run through the answers. You may be surprised at what comes out of such of a simple review. Compare your findings with the positions and other findings from your competitive research and look for the "open ground" — that singular position that:
a) Has high value to customers and prospects
b) Is a benefit or promise on which your can deliver consistently and
c) You can own for the long term without a competitor copying or covering it
This is a simplified version of the process, for sure. (For more on the process of writing your statement, click here.) But truthfully, it doesn't necessarily need to be any more complex than that. If you've never taken the time or effort to review your brand and competition methodically like this, you will no doubt learn new insights that will be invaluable in helping you find a winning marketing position that differentiates your brand and provides clarity and focus for your future marketing and communications.
And there you have it.
Other Resources
- Positioning: The Battle For Your Mind. Written by Al Ries and Jack Trout in 1981, this classic book introduced the marketing world to whole idea of positioning — forever changing the course of advertising.


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Dec 06
Oracle Developer
* Pasadena,CA
* Posted 22 hours ago
Cygnus Professionals Inc
Website Cygnus Professionals Inc
Job Title: Oracle Developer
Duration: 12+ months
Interview Mode: Phone and Skype
Job Description: Position: * Design, implement, contribute to the
application development in the Oracle database and oracle Forms and
Reports.. * Participate in database application tuning and potential
data migration from DB2 to Oracle. May train on Java for future work
so some Java a plus.
* Should have knowledge on Middleware technologies like REST, CAMEL,
SOAP Services etc. * Oracle Forms & Reports 4-5 yrs. experience (Fast
learner which can understand existing system and do modification). *
Proficiency with Oracle 12g. * Proficiency in designing (includes
documentation), developing, testing and implementing Java applications
on a predefined schedule using technologies, techniques, and tools to
ensure high quality, performance, and reliability, at varying levels
of complexity. * Proficiency in resolving technical issues through
debugging, research and investigation. * Proficiency in system
analysis and design in accordance with established procedures and
policies. * Provides accurate estimate of time needed to complete
work. * Proficiency in working with high performing technology teams
in a multi-technology enterprise. * Proficiency in independent
delivery of major projects in a cross-matrixed, multi-cultural
environment in a led technical role. * Experience with large scale
systems involving reporting, transactional systems and integration
with other enterprise systems (i.e. Mainframe). * Proficiency with
development using SOA, Event Driven framework, Spring framework. *
Proficiency with core Java API development including JavaScript
development (jQuery, JSON, EventAPIs). * Proficiency with developing
event APIs, Apache Camel or other EBA, web service development (REST &
To apply for this job email your details to ********************
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About The Author
Comments are closed.
To apply for this job please visit itjobpro.com.


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