Loan

Credit News

List of Private Student Loan Companies – 2014 – Private, Consolidation, Direct, Short Term Loans #best #home #loan


#loan consolidation companies
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List of Private Student Loan Companies 2014

Be careful when selecting a bank for student loans. They are not all created equal and some are dishonest. Get several loans in writing to compare. This could be the largest purchases you will make in your life.

Credit Unions offering student loans

– Advanced Financial FCU

– Credit Union of New Jersey

– First Jersey Credit Union

– Liberty Savings FCU

– NJ Gateway Federal Credit Union

– NIH Federal Credit Union

– Raritan Bay FCU

– Seaport Federal Credit Union

– Tri-Co Federal Credit Union

– United Poles FCU

Before taking out a loan for college it is important to understand student debt and how it will affect you after graduation. Learn more at Student Debt News.

Keep in mind all banks use credit scores to determine who is eligible and interest rates. If you or you re parents have a low credit score learn how to repair your credit legally There are companies and attorneys that are specialist in this matter. Or you can do it yourself.

Some of the largest student loan companies include Sallie Mae and Citi Student Loans (now owned by Discover.)



List of Private Student Loan Companies – 2014 – Private, Consolidation, Direct, Short Term Loans #need #a #loan #fast


#loan consolidation companies
#

List of Private Student Loan Companies 2014

Be careful when selecting a bank for student loans. They are not all created equal and some are dishonest. Get several loans in writing to compare. This could be the largest purchases you will make in your life.

Credit Unions offering student loans

– Advanced Financial FCU

– Credit Union of New Jersey

– First Jersey Credit Union

– Liberty Savings FCU

– NJ Gateway Federal Credit Union

– NIH Federal Credit Union

– Raritan Bay FCU

– Seaport Federal Credit Union

– Tri-Co Federal Credit Union

– United Poles FCU

Before taking out a loan for college it is important to understand student debt and how it will affect you after graduation. Learn more at Student Debt News.

Keep in mind all banks use credit scores to determine who is eligible and interest rates. If you or you re parents have a low credit score learn how to repair your credit legally There are companies and attorneys that are specialist in this matter. Or you can do it yourself.

Some of the largest student loan companies include Sallie Mae and Citi Student Loans (now owned by Discover.)



Indian roller videos, photos and facts – Coracias benghalensis #indian #roller,coracias #benghalensis,birds,coraciidae,coraciiformes,coracias,chordata,animalia,aves,carnivorous,terrestrial,forest,scrub,asia,terrestrial,grassland,i-lc,iucn #red #list, #least #concern,flying,terrestrial,physical #appearance,adult,n. #india,rollier #indien,arkive,arkive,endangered #species,threatened #species,iucn,red #list,images,photos,photographs,pictures,videos,films,animals,plants,biodiversity,endangered,species,wildlife,nature


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Indian roller (Coracias benghalensis)

The Indian roller gains its name from its elaborate courtship displays, during which it performs some startling aerobatics culminating in a series of ‘rolling’ motions. The Indian roller is a medium-sized bird which, when perched, appears a fairly drab brown, with a blue crown and lower wing. In flight, however, it is extremely striking, with its deep purple-black wings, bright blue rump, and a blue band across the tail becoming visible (2). Its eyes are greyish-brown and the strong, hook-tipped bill is blackish-brown (3) (4) .

French Rollier indien. Size Length: 32 – 34 cm (2) Wingspan: 65 – 74 cm (2) Weight 90 g (2)

Related species

European roller
(Coracias garrulus)

Lilac-breasted roller
(Coracias caudata)

Long-tailed ground roller
(Uratelornis chimaera)

Indian roller biology

This bird feeds primarily on insects, in particular beetles, crickets, and grasshoppers. It also regularly consumes flying insects such as wasps, flies, moths and butterflies (6). Where available, amphibians also form a large part of its diet, although in drier areas this food source is often not available (5). When hunting, the Indian roller typically sits motionless at a high vantage point, from which it can scan the ground for potential prey items. When prey is spotted, it will drop down to snatch it and then return immediately to its perch to consume it. On other occasions the Indian roller feeds directly from the ground, and moves around an area foraging for potential insect prey (6) .

Breeding generally occurs in spring and early summer, and males begin to display as early as February. Courtship displays are highly elaborate, with males flying to great heights and tumbling back down whilst performing a range of aerobatics, calling harshly and beating their wings rapidly to flash their brilliantly coloured wings and tail (5). Eggs are usually laid in April in a hole in a tree or other structure, and are incubated for a period of up to 20 days, with young generally fledging after a period of 35 days. Although groups of Indian rollers are rarely seen, family groups may form, and communicate with a series of loud ‘chack’ calls, which become harsher and more regular during times of threat. When bathing, this species is often seen diving in to water from a great height, a behaviour which was once interpreted as fishing (5) .

Indian roller range

The Indian roller is, as its name suggests, found in India; however, it is also found across much of southern Asia, from China, Vietnam and Malaysia, west to Iraq and Saudi Arabia (2) .

Species with a similar range

Common scarlet-darter
(Crocothemis erythraea)

Indian roller threats

As the Indian roller is a fairly widespread bird across Asia and is not known to have any global threats, it is not currently considered to be at risk of extinction (1).

Indian roller conservation

The Indian roller is found in a number of protected areas across its range, including Ba Be National Park and Na Hang Nature Reserve in Vietnam (7). and Rema-Kalenga Wildlife Sanctuary in Bangladesh (8). In addition, it is the state bird of the Indian states of Andhra Pradesh, Bihar, Karnataka and Orissa (9) (10). and is also considered sacred by Hindus (4). Both of these facts should mean a high level of awareness of this species amongst the general public in certain areas, something which will be of great benefit if this species requires conservation action in the future.

Environment Agency – Abu Dhabi is a principal sponsor of ARKive. EAD is working to protect and conserve the environment as well as promoting sustainable development in the Emirate of Abu Dhabi.

Find out more

To find out about bird conservation in India see:

For more information on this and other bird species please see:

Authentication

This species information was authored as part of the Arkive and Universities Scheme .

Glossary

Deciduous forest Forest consisting mainly of deciduous trees, which shed their leaves at the end of the growing season. Incubated Kept warm so that development is possible.

References

  1. IUCN Red List (March, 2010)
    http://www.iucnredlist.org
  2. Wallace, D.I.M. (1978) Birds of the Western Palearctic, Volume 1. Oxford University Press, Oxford.
  3. Burton, R. (2002) International Wildlife Encyclopedia. Marshall Cavendish Corporation, New York.
  4. Whistler, H. (1941) Popular Handbook of Indian Birds. Gurney and Jackson, London.
  5. Honolulu Zoo (November, 2009)
    http://www.honoluluzoo.org/indian_roller.htm
  6. Sivakumaran, N. and Thiyagesan, K. (2003) Population, diurnal activity patterns and feeding ecology of the Indian roller Coracius benghalensis. Zoos’ Print Journal. 18 (5): 1091-1095.
  7. Hill, M. (2000) Bird fauna of protected forests in northern Vietnam. Forktail. 16. 5-14.
  8. Ministry of Environment and Forests. (2003) Secondary data collection for pilot protected areas: Rema-Kalenga Wildlife Sanctuary. Ministry of Environment and Forests, Government of Banglasdesh.
  9. The Internet Bird Collection (November, 2009)
    http://ibc.lynxeds.com
  10. Mohanty, P.K. (2005) Blue Jay: The State Bird of Orissa. Orissa Review. 2005. 86-88.

Perched Indian roller

David Tipling / gettyimages.com



Import Subscribers to a List #emails #address #list


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Import Subscribers to a List

Every new MailChimp list starts out pretty empty, but not for long. Our List Import Builder can help you quickly upload and organize an email marketing audience.

If your MailChimp list already has subscribed contacts, that s great too. Our auto-update import feature can help you add new people to your list and update the information of current subscribers at the same time.

In this article, you ll learn how to import subscribers to your MailChimp list.

Before You Start

Here s what you ll need to add subscribed contacts to MailChimp.

The names and email addresses of people who have opted in to receive your email marketing.

A blank sheet in a spreadsheet program like Microsoft Excel or Google Sheets, saved or exported as a comma separated value (CSV) file.

How to Import Subscribers

A list import has a couple of steps. First, you ll prepare your spreadsheet file of contacts outside of MailChimp, and save it as a CSV file. Next, you ll use our handy List Import Builder to add your contacts to MailChimp.

Prepare for Import

To prepare your file for import, follow these steps.

In a spreadsheet program like Excel or Sheets, open your blank worksheet.

Next to your EmailAddress column, create and label additional columns for FirstName. and LastName.

Email Address is the only field that we require, but you can repeat this step for any other subscriber data fields you want to include in MailChimp, like phone number, birthday, language, address, or country.

Save the file in CSV format. This option can usually be accessed from the File menu in your spreadsheet program, labeled as Export as .CSV or Download as .CSV . Different spreadsheet programs will vary a little bit. If you use another file type, we won t be able to process the file.

Now that you ve completed these steps, you re ready to import the CSV file to your MailChimp list.

Need some help saving your spreadsheet file in CSV format before you import? Check out these CSV tips from Excel and Sheets. Or, download our sample CSV import file and replace the sample emails with your own data.

Certain fields, like birthday and date, must be formatted in a specific way. For example, to add a birthday field to your MailChimp list, dates should be formatted in your spreadsheet as MM/DD (Month/Day). Read our format guidelines for more tips about special fields.

Import to MailChimp

You ve got your file set up correctly, so now you ll log in to your MailChimp account and use our List Import Builder to upload your file.

To upload your subscribed contacts to MailChimp, follow these steps.

Click the drop-down menu next to the list you want to work with, and choose Import .

Choose CSV or tab-delimited text file .

If your last import was a CSV with the same columns, you can click Use settings from last import. which will allow you to skip steps 7-11.

Check the box next to I understand that my billing plan may be automatically upgraded. Your account will only be upgraded if your list import causes your subscriber count to exceed your current billing plan .

Click Next to go to the Import Subscribers step and match the columns in your import file to the fields in your MailChimp list.

Click Save for the Email Address column. We automatically match the column in your import file that contains email addresses to the required Email Address field in your list.

On the second column, check that the column name and field type are correct, and click Save. Or click the drop-down menu to select a different field type. To create a new column in your list, choose New Column Name .


The editing pane for each column includes the current column name, field type, and example data from your list, for your reference. To exclude a column from the final import, click Skip .

Repeat Step 9 for all unmatched columns. You must match or skip all columns to complete your import. After you re finished matching, we ll display a success message.

Click Next to review your final import settings.

On the You re all set to import! screen, review the settings for your import. Be sure to keep the Subscribed option selected.

After you ve reviewed your settings, click Import .

After the import is finished, we ll send your Primary Account Contact an email notification. Be sure to check out the Lists page in your account to see all your new subscribers.

Subscribers who are imported to a list don t go through the double opt-in process. so you ll need to verify that you have permission to email them. Imported subscribers don t receive any signup response emails or the Final welcome email .

When you import new subscribers to an existing list, we ll remove any duplicate, bounced, or unsubscribed addresses that are already stored in the list.

Because all lists in MailChimp are independent of each other, we can t detect duplicates, bounces, or unsubscribes across multiple lists. If you have duplicate subscribers in different lists, you may find it helpful to combine your lists into a master list that uses groups.

How to Auto-Update a List

After you ve had some subscribers in your list for a while, their data might change. Luckily, our auto-update import feature helps you update the information of multiple subscribers at once.

Auto-update replaces the list field information with information from your import file, so you can quickly update information from your CRM or other database. Like a regular import, you ll gather your contacts, prepare your spreadsheet, and add them to MailChimp with our List Import Builder.

On the final step of the import, you ll check the box next to Auto-update my existing list. and click Import. That s it! We ll handle the rest by scanning your list and updating subscriber information.

Be careful when you auto-update. You ll need to verify that your import column names match your MailChimp list field names and that no fields are blank. Blank fields overwrite existing subscriber data with blanks, erasing your old information.

Troubleshooting

Need some help with list imports? Learn how to troubleshoot.

Want to reverse a list import? Read on.

Don t need that list anymore?



Download the Jarte Word Processor, word processor software list.#Word #processor #software #list


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word processor software list

Word processor software list “Shareware Pick” on the

Kim Komando Radio Show

    This is the install file most people will want to use. If you are upgrading from a previous version of Jarte you can install the new version directly over the old version without losing any of your existing program settings.
    Word processor software listDownload Jarte 6.1 Installation File (3.49 MB)

    The following install file is a simple zip file containing the Jarte program and associated files. There is no installer or uninstaller, no desktop or start menu icons are created, and no registry or other system changes are made. The portable install is suitable for users who want to perform a manual install or for users who want to install Jarte as a portable app on a USB flash drive. Create a Jarte program folder to unzip the program to (or use your existing Jarte folder if you are upgrading), and be sure to turn on your zip program’s Use folder names setting before unzipping!
    Word processor software listDownload Jarte 6.1 Zip File (4.5 MB)

Word processor software list

System Requirements: Windows XP, Vista, 7, 8, 8.1, or 10. Jarte works on both 32-bit and 64-bit editions of Windows.

Installation Note: Jarte 6.1 can be installed directly over earlier versions of Jarte. All existing Jarte settings are preserved.

Jarte Plus Upgrade

You can download the appropriate file needed to upgrade your current version of Jarte Plus to Jarte Plus 6.1 by going to Help > Check for Updates with in the Jarte Plus program.

Our Other Cool Product.

Try our premium online jigsaw puzzles at Jigsaw Explorer!

Word processor software list



Reverse Mortgage Lenders List, HECM Lenders List #reverse #mortgage #lenders #list, #reverse #mortgage #lenders, #reverse #mortgage #company #list, #hecm #lenders, #hecm #loans


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Reverse Mortgage Lenders List

Welcome to Reverse Mortgage Lenders List. Our site features licensed reverse mortgage lenders in all 50 states.

What is a Reverse Mortgage?

A reverse mortgage, also referred to as a home equity conversion mortgage (HECM), is a home loan that lets borrowers convert some of the equity in a home into cash or a line of credit. The equity built up over years of making mortgage payments can be paid back to the homeowner. However, unlike a traditional home equity loan or second mortgage, reverse mortgage borrowers do not have to make monthly payments on the HECM loan until the they no longer use the home as their principal residence or fail to meet the stated obligations of the mortgage such as keeping the property in shape, making tax payments or paying HOA fees and homeowners insurance. A Reverse Mortgage Purchase Loan can also be used to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing.

Featured Reverse Mortgage Lenders

  • AAG Reverse Mortgage – Based out of Orange, California, they are one of the top 10 reverse mortgage lenders in the country.
  • Generation Mortgage Company – Generation Mortgage Company is the largest independently owned national reverse mortgage lender in the country.
  • Urban Financial Group – Owned by the fame Knight Capital Group, Urban Financial is one of the top 3 reverse mortgage lenders in the country.
  • First National Bank – Based out of Layton, Utah, First National Bank has quickly rose to the top of the charts in terms of reverse mortgage orgination.
  • One Reverse Mortgage – One Reverse Mortgage is owned by Quicken Loans, and is currently one of the largest lenders within the reverse mortgage space.



Legumes – Allergies #legume #allergy #list


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Legumes Allergies

by JENNI WILTZ Last Updated: Jan 28, 2015

Jenni Wiltz’s fiction has been published in “The Portland Review,” “Sacramento News & Review” and “The Copperfield Review.” She has a bachelor’s degree in English and history from the University of California, Davis and is working on a master’s degree in English at Sacramento State. She has worked as a grant coordinator, senior editor and advertising copywriter and has been a professional writer since 2003.

Legumes Photo Credit Liquidlibrary/liquidlibrary/Getty Images

Virtually 90 percent of all food allergies are reactions to nuts, dairy products, soy, wheat, fish or shellfish, according to the Cleveland Clinic. Legumes encompass all soy and peanut allergies; other legumes include beans, lentils and licorice products. These allergies are particularly hard to deal with because many foods contain peanut or soy oils or were manufactured on equipment that also processed peanut- or soy-based products. Managing a legume allergy requires lots of label reading and a carefully monitored diet.

Food Allergies

Food allergies happen when your body s immune system interprets a particular food as an enemy and tries to fight it. As a reaction to the allergen, your immune system produces antibodies that attach to specific types of cells basophils, found in your blood; and mast cells, found in your skin, digestive tracts, the ears, nose and throat. The antibodies cause these cells to produce certain chemicals; those chemicals cause your allergic symptoms. The symptoms occur as you eat and digest the food, in the places the food contacts your body. Reactions generally start in the mouth and move to the stomach as the food is digested, and then to the bloodstream and skin as the digested food is whisked through your body.

Misconceptions

Sometimes food allergies are confused with food intolerance. The symptoms are often the same; the difference is how those symptoms are triggered. If your immune system triggers the attack, you have a food allergy. If your immune system is not involved, you have a food intolerance. Food intolerance is much more common than food allergy; according to the National Institute of Allergy and Infectious Disease, only about 4 percent of adults and 6 percent to 8 percent of toddlers have food allergies. Your doctor can determine which condition you actually have.

Peanut Allergies

Peanut allergies are among the most serious of food allergies, with complications that can lead to death. People who are allergic to peanuts experience a reaction within minutes of eating, touching or even breathing air contaminated with peanut products. Common symptoms include hives, tingling throat, stomach cramps and anaphylaxis a serious condition that causes wheezing, fainting and low blood pressure. Mild attacks can be treated with drugstore antihistamine pills. Severe attacks need an injection of epinephrine.

Soybean Allergies

Soy allergies are hard to fight because soybeans are used as product fillers in many processed foods. From dry cereal to infant formula to deli meat, you ll find soy in many places you wouldn t expect. Reactions to soy allergies are usually less severe than peanut allergies; anaphylaxis is rare. Typical reactions include hives, wheezing, dizziness and swelling of the tongue and throat. These symptoms usually appear within a few minutes of eating a soy-based product and can be handled with store-bought antihistamines.

Foods That Contain Legumes

It sounds simple enough to avoid peanuts, soybeans or other legumes; what isn t so simple is avoiding foods made with their oils. Reading food labels in their entirety is the only way to avoid your allergens. Peanuts are often found in cookies, candy, and ethnic foods of African, Chinese or Thai origin. If your allergic reactions are severe, it s a good idea to avoid these foods in restaurants or at parties. You should also avoid foods with ingredients such as hydrolyzed plant or vegetable protein. Soybean oil is found in many Asian dishes, vegetable broth and tofu. Soy is often referred to as vegetable protein, plant protein, vegetable gum and vegetable starch; avoid all grocery-store items with these ingredients on the label. You can avoid many legume-based products by eating fresh meat and vegetables, and avoiding canned or processed foods.

Related Searches

Get the latest tips on diet, exercise and healthy living

Copyright 2017 Leaf Group Ltd. Use of this web site constitutes acceptance of the LIVESTRONG.COM Terms of Use. Privacy Policy and Copyright Policy. The material appearing on LIVESTRONG.COM is for educational use only. It should not be used as a substitute for professional medical advice, diagnosis or treatment. LIVESTRONG is a registered trademark of the LIVESTRONG Foundation. The LIVESTRONG Foundation and LIVESTRONG.COM do not endorse any of the products or services that are advertised on the web site. Moreover, we do not select every advertiser or advertisement that appears on the web site-many of the advertisements are served by third party advertising companies. Ad Choices



Import Subscribers to a List #emails #address #list


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Import Subscribers to a List

Every new MailChimp list starts out pretty empty, but not for long. Our List Import Builder can help you quickly upload and organize an email marketing audience.

If your MailChimp list already has subscribed contacts, that s great too. Our auto-update import feature can help you add new people to your list and update the information of current subscribers at the same time.

In this article, you ll learn how to import subscribers to your MailChimp list.

Before You Start

Here s what you ll need to add subscribed contacts to MailChimp.

The names and email addresses of people who have opted in to receive your email marketing.

A blank sheet in a spreadsheet program like Microsoft Excel or Google Sheets, saved or exported as a comma separated value (CSV) file.

How to Import Subscribers

A list import has a couple of steps. First, you ll prepare your spreadsheet file of contacts outside of MailChimp, and save it as a CSV file. Next, you ll use our handy List Import Builder to add your contacts to MailChimp.

Prepare for Import

To prepare your file for import, follow these steps.

In a spreadsheet program like Excel or Sheets, open your blank worksheet.

Next to your EmailAddress column, create and label additional columns for FirstName. and LastName.

Email Address is the only field that we require, but you can repeat this step for any other subscriber data fields you want to include in MailChimp, like phone number, birthday, language, address, or country.

Save the file in CSV format. This option can usually be accessed from the File menu in your spreadsheet program, labeled as Export as .CSV or Download as .CSV . Different spreadsheet programs will vary a little bit. If you use another file type, we won t be able to process the file.

Now that you ve completed these steps, you re ready to import the CSV file to your MailChimp list.

Need some help saving your spreadsheet file in CSV format before you import? Check out these CSV tips from Excel and Sheets. Or, download our sample CSV import file and replace the sample emails with your own data.

Certain fields, like birthday and date, must be formatted in a specific way. For example, to add a birthday field to your MailChimp list, dates should be formatted in your spreadsheet as MM/DD (Month/Day). Read our format guidelines for more tips about special fields.

Import to MailChimp

You ve got your file set up correctly, so now you ll log in to your MailChimp account and use our List Import Builder to upload your file.

To upload your subscribed contacts to MailChimp, follow these steps.

Click the drop-down menu next to the list you want to work with, and choose Import .

Choose CSV or tab-delimited text file .

If your last import was a CSV with the same columns, you can click Use settings from last import. which will allow you to skip steps 7-11.

Check the box next to I understand that my billing plan may be automatically upgraded. Your account will only be upgraded if your list import causes your subscriber count to exceed your current billing plan .

Click Next to go to the Import Subscribers step and match the columns in your import file to the fields in your MailChimp list.

Click Save for the Email Address column. We automatically match the column in your import file that contains email addresses to the required Email Address field in your list.

On the second column, check that the column name and field type are correct, and click Save. Or click the drop-down menu to select a different field type. To create a new column in your list, choose New Column Name .


The editing pane for each column includes the current column name, field type, and example data from your list, for your reference. To exclude a column from the final import, click Skip .

Repeat Step 9 for all unmatched columns. You must match or skip all columns to complete your import. After you re finished matching, we ll display a success message.

Click Next to review your final import settings.

On the You re all set to import! screen, review the settings for your import. Be sure to keep the Subscribed option selected.

After you ve reviewed your settings, click Import .

After the import is finished, we ll send your Primary Account Contact an email notification. Be sure to check out the Lists page in your account to see all your new subscribers.

Subscribers who are imported to a list don t go through the double opt-in process. so you ll need to verify that you have permission to email them. Imported subscribers don t receive any signup response emails or the Final welcome email .

When you import new subscribers to an existing list, we ll remove any duplicate, bounced, or unsubscribed addresses that are already stored in the list.

Because all lists in MailChimp are independent of each other, we can t detect duplicates, bounces, or unsubscribes across multiple lists. If you have duplicate subscribers in different lists, you may find it helpful to combine your lists into a master list that uses groups.

How to Auto-Update a List

After you ve had some subscribers in your list for a while, their data might change. Luckily, our auto-update import feature helps you update the information of multiple subscribers at once.

Auto-update replaces the list field information with information from your import file, so you can quickly update information from your CRM or other database. Like a regular import, you ll gather your contacts, prepare your spreadsheet, and add them to MailChimp with our List Import Builder.

On the final step of the import, you ll check the box next to Auto-update my existing list. and click Import. That s it! We ll handle the rest by scanning your list and updating subscriber information.

Be careful when you auto-update. You ll need to verify that your import column names match your MailChimp list field names and that no fields are blank. Blank fields overwrite existing subscriber data with blanks, erasing your old information.

Troubleshooting

Need some help with list imports? Learn how to troubleshoot.

Want to reverse a list import? Read on.

Don t need that list anymore?



How to Value SaaS Companies – Catalyst Investors #list #of #saas #companies


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How to Value SaaS Companies

Software-as-a-service (SaaS) companies have had a great run over the course of the current business cycle. The sector has routinely traded at a multiple above five times revenue, even while having low or negative profit margins. From 2010 to 2013, market observers posited that valuation multiples in the sector were driven by growth alone – the faster the better – no matter how much cash burn it takes to achieve. Since the public market for software stocks hit a speed bump starting back in Q1 of 2014, however, there has been a general perception that profitability is becoming more of a factor in driving SaaS valuations. This awareness is driving capital allocation discussions at companies across the SaaS sector, both public and private. Should a company raise money to “keep its foot on the gas?” Or should it perhaps slow growth a bit but make the move to “EBITDA-positive?”

We decided to crunch the data to see what the public market (aka the “DCF in the sky”) is really telling us about SaaS valuations. The full research report, “SaaS Investors: Mind the Valuation GAP (Growth at Any Price),” can be viewed on SeekingAlpha or downloaded here. We analyzed a group of 63 public SaaS companies and analyzed their operational performance and stock prices since 2005 (with “n” increasing as we get closer to the present). The analysis reveals three big takeaways:

  1. Even with a decline in valuation multiples since 2014, the average total enterprise value (TEV) to last twelve month (LTM) revenue multiple remains above its long term average of 5x.
  2. Using two regression models to develop a SaaS valuation “rule of thumb,” we find that revenue growth remains more than twice as important for determining valuation multiple than EBITDA margin .
  3. Throughout the analysis, we detected clear patterns as to which types of companies achieve higher-than-predicted multiples (based on the formulas) and which trade below their predicted multiples .


Historical Trends in SaaS Valuation and Company Performance

Examining the SaaS universe reveals a long term median valuation multiple around 5x LTM revenue, revenue growth rate of 28%, and median EBITDA margin of 5%.

Source: Capital IQ, authors’ calculations

While revenue growth has remained fairly steady around 30% throughout the period (outside of a dip to 20% in the aftermath of the Great Recession), valuation multiples and EBITDA margin have shown more variability. Prior to the Great Recession, SaaS multiples tended to trade in the 4.5x to 5x revenue range. They then plunged to 2x in the pit of the market crash in late 2008 / early 2009, rebounded to 5.5x to 6.5x in the recovery between late 2010 and early 2014, and then settled in closer to 5.5x since that time. EBITDA margins, while less volatile than valuation multiples, went through three regimes. Pre-recession, margins averaged around 5%. In its aftermath, they rose to around 10% (concomitant with the brief dip in revenue growth), and then turned negative during the recovery where they have remained since. While EBITDA margins were as low as negative 13% in late 2014, they have since narrowed to negative 6%. It should be noted that this narrowing of EBITDA margin has been in conjunction with a slight slowing in revenue growth.

Revenue Growth Continues to Drive Valuations

Our research examines a number of ways to evaluate and predict the valuations of SaaS companies. These include Dave Kellogg’s growth-based formula. Brad Feld’s Rule of 40% (which adds together revenue growth and EBITDA margin) and our own five-factor regression. Our five-factor model proved to be highly statistically significant, but unfortunately it’s a bit unwieldly to use as a quick valuation rule of thumb. We decided to also run a two-factor model, incorporating just revenue growth and EBITDA margin. While less statistically significant than the five-factor model, it ultimately gets us to a similar place. The formula is as follows:

The takeaway here is that unlike with the Rule of 40%, where revenue margin and EBITDA margin are equally weighted, we see that revenue growth is more than twice as large a valuation determinant as EBITDA margin. The result is a new, statistically-driven approach to benchmarking and valuing SaaS companies.

Market Leaders and ERP Earn Premium Valuations

If we plot the actual valuation multiples of the SaaS universe against their predicted values using the two-factor model, we get the following chart:

Source: Capital IQ, authors’ calculations

There is a certain group of outliers on the high end that tend to be either clear market leaders in a large horizontal or vertical space and / or are “back office” or enterprise resource planning (ERP) platforms with lower-than-average customer churn. This group of “market darlings” includes Xero (XRO), ServiceNow (NOW), Workday (WKDY), Splunk (SPLK), Hubspot (HUBS), Netsuite (N), Ultimate Software (ULTI), AthenaHealth (ATHN), Salesforce.com (CRM), Adobe (ADBE), Veeva (VEEV), and 2U (TWOU).

There is also a group of “prove-its” . companies with strong enough metrics to be valued at more than 5x revenue, but are nevertheless trading at more than 20% below their predicted value. These include mostly vertical SaaS companies like ElliMae (ELLI) or TrackM8 (TRAK), unified communications software providers like Broadsoft (BSFT) and also developer platforms like HortonWorks (HDP) or AppFolio (APPF). Shopify (SHOP) also falls onto this list (probably because analysts forecasted a big drop in revenue growth next year), but regardless trades at a very high multiple.

There is a next group called the “underperformers” . These are companies that are both valued at less than 5x and are less than 80% of their predicted value. Most of these companies are more narrowly-focused “tools” (as opposed to platforms) that could potentially experience higher customer churn. This list includes “front office” solutions like Jive (JIVE), LivePerson (LPSN), and Bazaarvoice (BV), along with narrowly-focused vertical solutions like Intralinks (IL).

The analysis shows that the market valuation of SaaS companies exhibits a rational pattern over time. Outside of the Great Recession, market valuations have been relatively stable and the market has done a good job of distinguishing between the companies that should earn a premium and those that wind up receiving a discount. Given the predictable streams of recurring revenue that SaaS companies provide, the market has placed a premium on long term growth over profitability, yet has also sensed which companies are growing with more inherently attractive unit economics. So, while the market may say that SaaS companies are on average worth 5.5x revenue, not all SaaS companies are created equal. Revenue growth, EBITDA margin, and the type of software product are all key valuation drivers as well. The tools provided herein are intended to help SaaS investors make better valuation decisions and perhaps give CEOs a basis for their valuation expectations.

Created: June 9, 2016

Xplornet s value-packed home phone service is now available across rural Canada. From coast to coast to coast, Xplornet customers can now experience home phone service at a significantly lower cost compared to traditional landline service.

Created: July 1, 2016

MediaMath recently announced the appointments of Brian Moy as director of platform solutions, Victoria and Daniel Cravero as enterprise sales manager. These hires signal MediaMath’s growing presence in the Australia region, hot on the heels of the appointments of David Benjafield and Sohail Khan to senior roles in April this year.

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11 Best Free Inventory Management Software #inventory #management #software, #free #inventory #management #software, #best #free #inventory #management #software, #list #of #best #free #inventory #management #software


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11 Best Free Inventory Management Software

Here are 11 best free inventory management software. These let you manage and track inventory of your business easily. All these inventory management software are completely free and can be downloaded to Windows PC. These freesoftware offer various features, like: keep a track of your inventory and goods, maintain the inventory of your products, make orders and invoices, keep a track of contacts, customers and receipts, assist trade owners to manage smart purchasing, easy inventory management, promotions management, business process, stock and their sales, manage credit accounts and applies credit limits. So, go through this list of free inventory management software and see which ones you like the most.

Fakturama

Fakturama is a free inventory management software for your computer. It keeps a track of your inventory and goods. You can use this freeware to maintain the inventory of your products. It lets you make orders and invoices, keep a track of contacts, customers and receipts etc. The interface of this freeware is tabbed.

Lecprog stock management

Lecprog stock management is a free inventory software that lets you keeps a eye on different items in which you deal in your business such as perishables, supplies, tech products etc. It is a lightweight software. Lecprog stock management lets you easily manage your stock. If you are looking for an useful inventory management software then you will find this software quite useful.

inFlow Inventory Free Edition

inFlow Inventory is a freeware related to trade inventory. This freeware manages and tracks your inventory, purchase and sales. With the help of this freeware small trade owners control and organize their inventory in a better way. You can easily input details about the product, purchase and sales records, stock details and also generate various reports for business correspondence. inFlow Inventory is used in manufacturing, e-commerce, retail, wholesale etc.

Household Register

Household Register is a free inventory management software for your computer. It lets you manage and organize all the items which are in the stock list, at office or at home. With the help of this freeware you can arrange stock according to the owner and the category. It is a lightweight software.

2BizBox ERP

2BizBox ERP is a free ERP and inventory management software. It is useful for medium and small trade owners in order to keep an eye on their stock and resources. It can assist big businesses to get a control on their resources through the utilization of various applications that this freeware will offer.

Stocks Inventory

Stocks Inventory is a free inventory management software. It lets you track your products or items by per item transaction or through transaction type. It also prints your transactions and assists you in replacing broken items. This freeware is specially made for medium size and small businesses. Stocks Inventory assists you in reorder inventory, get customer’s orders and track stock.

Rightcontrol

RightControl is a free stock control and inventory management software. It is basically made for medium and small businesses to manage their inventory, stock and creating reports etc. It has basic options for stock entry. You can even enter multiple stock items in this freeware. It is a lightweight software.

Monely

Monely is a free inventory management software. It lets you manage all the trade processes within your organization. Its main features are option to assign multiple price categories for products, price lists, goods returned from customers, orders for vendors, orders from customers, incoming goods or services from vendors, sales and supplies management etc.

Bhansali Inventory Management software

Bhansali Inventory Management software is a free inventory management software. It has various features such as integrated search function, option to create purchase and sales report, print purchase receipt and sales receipt, handle purchase and sales transaction, manage shippers, employees, products, category etc. It is a lightweight software and has numerous functions.

Vladovsoft Sklad

Vladovsoft Sklad is a free software to manage inventory of your business. It also lets you control and manage shops and warehouses. With the help of this freeware you can keep records of sales, deliveries, quantities, products in your shop or warehouse and get detailed information through charts and reports. It can also export tables and reports to Excel and Access etc.

ABInventory Control

ABInventory Control is a free inventory management software. It lets you easily create inventory record detail, vendor details and stock transactions detail. ABInventory Control also makes stock analysis report. It is a lightweight software. It also compacts and repairs databases and set password for stock control. ABInventory Control also recreates database path.

inFlow inventory is perfect for most organisation out there. It makes the whole stock maintaince procedure simple. It has these primary components: Capacity to manage items and one can easily take orders from customer reorder stock received from vendors effortlessly.

If you are confused, here are some platforms like GetApp, SoftwareSuggest, Software Advise etc. They help to find right software for your business.

I am run a small supply business and that the reason i want to keep all record of my stock product and item quantity and want to see all products manufacturing date and exp date. Please suggest me a right software/ inventory.

Don t use INFLOW, it will trick you, they advertise it as free, and they lie to you, is not free, and will lock all your inventory and hard work weeks later, until you pay $400 dollars to unlock it and buy their license.



Farmer Portal: Loan Facilities for Short Term Agricultural Operations #seed, #farm #machinery, #fertilizers, #soil #health, #pesticies, #market #price, #agromet #services, #crop #information, #storage, #bank #credit #for #farmers, #extension #activities, #msp #of #crop, #beneficiary #list, #nfsm, #nhm, #seednet, #packages #of #practices #(pop)


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Loan Facilities for Short Term Agricultural Operations

Crop Loans are also called short term loans for “Seasonal Agricultural Operations.” The Seasonal Agricultural Operations connote such activities as are undertaken in the process of raising various crops and are seasonally recurring in nature. The activities include, among others, ploughing and preparing land for sowing, weeding, transplantation where necessary, acquiring and applying inputs such as seeds, fertilizers, insecticides etc. and labour for all operations in the field for raising harvesting the crops. Thus, the credit required to meet the current expenditure for raising the crops on land till the crops are harvested is construed as production or short term credit for seasonal agricultural operations.

Kisan Credit Card Scheme

Crop loans are generally disbursed by the banks through the mode of Kisan Credit Card (KCC). The Kisan Credit Card Scheme is in operation throughout the country and is implemented by Commercial Banks, Cooperative Banks and RRBs. All farmers including small farmers, marginal farmers, share croppers, oral lessees and tenant farmers are eligible for issuance of KCC. KCC holders are also covered under Personal Accident Insurance Scheme (PAIS) against accidental death/permanent disability. Bank assesses farmer’s eligibility on the basis of land available for cultivation and the scale of finance fixed by the District Level Technical Committee in that district and the credit history of the farmer. The scope of the KCC has recently been broad-based to include term credit and consumption needs. Government has advised the banks to convert Kisan Credit Card into a Smart Card cum Debit Card.

Some of the main features of KCC scheme are :

  • Assessment of crop loan component based on the scale of finance for the crop plus insurance premium x Extent of area cultivated + 10% of the limit towards post-harvest / household/consumption requirements + 20% of limit towards maintenance expenses of farm assets.
  • Flexi KCC with simple assessment prescribed for marginal farmers.
  • Validity of KCC for 5 years.
  • For crop loans, no separate margin need to be insisted as the margin is in-built in scale of finance.
  • No withdrawal in the account to remain outstanding for more than 12 months; no need to bring the debit balance in the account to zero at any point of time.
  • Interest subvention /incentive for prompt repayment to be available as per the Government of India and / or State Government norms.
  • No processing fee up to a limit of Rs. 3.00 lakh.
  • One time documentation at the time of first availment and thereafter simple declaration (about crops raised/ proposed) by farmer.
  • KCC cum SB account instead of farmers having two separate accounts. The credit balance in KCC cum SB account to be allowed to fetch interest at saving bank rate.
  • Disbursement through various delivery channels, including ICT driven channels like ATM/ PoS/ Mobile handsets.

To know the details and for obtaining KCC contact your nearest bank branch. For locating nearest bank branch click branch locater .

Rate of interest and collateral requirement on crop loans

In terms of Govt. of India instructions for 2013-14, all the crop loans upto Rs. 3 lakh are being disbursed at the interest rate of 7% p.a. Govt. of India also provides interest subvention of 3% p.a. to prompt repaying farmers, thus making available the crop loans to them at 4% p.a. To bring more and more farmers within the institutional credit fold, Government has extended this scheme to crop loans borrowed by farmers from Private Sector scheduled commercial banks in respect of loans given within the service area of the branch concerned.

Crop loans beyond Rs. 3 Lakh are being disbursed by the banks at the rate of interest as per RBI and other conditions as approved by their Board of Directors. In terms of RBI instructions, no separate security is required for crop loans upto Rs. 1 Lakh. Beyond Rs. 1 lakh the security is decided by the individual bank in terms of RBI guidelines.

Rate of interest for post harvest storage loan



Physician Extenders #wisconsin #orthopedics, #orthopedic, #doctors, #back #pain, #anatomy #and #orthopedics, #microarchitechture #bone #assessment, #fractures, #carpal #tunnel #syndrome, #fractures #bone, #spine #surgery, #knee #surgery, #knee #pain, #workers #compensation #clcodes #list, #ambulatory #surgery, #treatment #for #dislocated #shoulder, #hip #replacement, #shoulder, #knee, #hand, #back, #spine, #hip, #joint, #surgery, #replacement, #waukesha, #oconomowoc, #muskego, #mukwonago, #brookfield, #hartland, #new #berlin, #watertown, #milwaukee, #southeast #wisconsin


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Lisa Filzen, PA-C

Lisa is a 2009 graduate of Marquette University with a Master’s in Physician Assistant studies. She also completed her undergraduate education at Marquette, graduating in 2008 with a Bachelor’s degree in Biomedical Sciences. In addition to the required rotations in Internal Medicine, Emergency Medicine, Pediatrics, General Surgery, and Family Practice, she completed rotations in Pediatric Orthopedic Surgery, Neurosurgery, and Cardiology all in the Milwaukee area. Before joining our group, Lisa practiced in orthopedic surgery in Rockford, Illinois. She holds membership in the American Academy of Physician Assistants. Her interests include spending time with friends and family, running, and traveling.

Cynthia Filut, MSN, ANP-BC, APNP

Cynthia is a 1987 graduate of Carroll College with a Bachelor of Science in Nursing; 2000 graduate of Marquette University with a Master of Nursing in Adult Health. Cynthia is a Certified Registered Nurse Practitioner with a current membership in the American Academy of Nurse Practitioners as well as the ANA/WNA. Cynthia’s interest in health promotion and wellness education provides foundation to a patient-centered philosophy of care.

Jessica Roadt, PA-C

Jessica graduated Magna Cum Laude from Marquette University with a Master’s in Physician Assistant studies in 2015. Prior to this she graduated Magna Cum Laude from the University of Wisconsin-Platteville with a Bachelor’s degree in Biology. Alongside her required clinical rotations including Emergency Medicine, Internal Medicine, and General Surgery she completed elective rotations in Orthopaedic Surgery and Interventional Radiology. Jessica is currently a member of the American Academy of Physician Assistants (AAPA), Wisconsin Academy of Physician Assistant (WAPA), and Physician Assistants in Orthopedic Surgery (PAOS). Her interests include; spending time with family and friends, traveling, and playing volleyball.

Steve Baugrud, PA-C

Steve graduated with his Master’s degree in physician assistant studies from the Chicago Medical School in 1998. Along with the required preceptorships in primary care, general surgery, and emergency medicine, he completed elective rotations in cardiothoracic and orthopedic surgery in the Milwaukee area. Steve practiced orthopedics for eight years in Northern Wisconsin before joining our group in 2006. Steve holds membership in the American Academy of Physician Assistants.
Steve’s interests are in surgery. He also enjoys outdoor activities, including cycling and wakeboarding.

James is a 2010 graduate of the University of Wisconsin-Madison Physician Assistant Program. Prior to that he graduated from Concordia University in Wisconsin where he studied Biology and Chemistry. James completed rotations in General Surgery, Emergency Medicine, Family Practice, Internal Medicine, and Orthopedic Surgery at Orthopaedic Associates of Wisconsin. Before his career as a Physician Assistant, James worked as an Emergency Medical Technician in the Milwaukee Area. His interests include spending time with family and friends participating in outdoor activities as well as sports.

Jennafer Hamel, PA-C

Bio to be added.

Sara Stoddard, PA-C

Bio to be added

Tom Anderson, PA-C

Tom is a 2014 graduate of Carroll University Physician Assistant Program. Prior to that he graduated from Concordia University of Wisconsin where he studied Biology. Tom completed rotations in General Surgery, Emergency Medicine, Family Practice, Internal Medicine, and Orthopedic Surgery. His interests include spending time with family and friends as well as playing sports.

Teagan Gerhart, PA-C

Teagan graduated Magna Cum Laude from Concordia University of Wisconsin with a Master’s in Physician Assistant studies in 2016. Prior to this she graduated from Stanford University in 2013 with a Bachelor’s degree in Human Biology. She played four years of softball at Stanford University achieving many honors. In addition to the required rotations in General Surgery, Emergency Medicine, Pediatrics, Family/Internal Medicine, she completed rotations in Orthopaedic Surgery and Interventional Cardiology. Teagan is currently a member of the American Academy of Physician Assistants (AAPA) and the Wisconsin Academy of Physician Assistants (WAPA). Her interests include spending time with family and friends, outdoor activities, football, running and playing softball.



1 List of Legal & Reliable Licensed Money Lenders in Singapore #bad #credit #loans #uk


#money lenders
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No obligation! Apply now and get quick approval!

Terms and Conditions

Only 21 years old and above is eligible for loan application.

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We only collect personal information that we believe to be relevant and required to understand your financial needs.

By clicking “Submit” and providing your personal data, you consent to Credit Hub Capital contacting you via the telephone and email for the loan application purpose.

We will only use any information collected as minimally as possible, mainly to assist us in customising and delivering loan packages that are of interest to our customers.

We will not make unsolicited requests for customer information through email or the telephone, unless customers initiate contact with us.

We have established strict confidentiality standards for safeguarding information on our customers.

Credit Hub Capital will not use or disclose information collected from you other than for the purpose made known to you, authorised by you or required by the Law.

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Voice over ip #voip #providers #list, #voice #over #ip, #voip #service #providers, #


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Recently Google has released its new Nexus 6 mobile phone, and it comes with several tweaks, one of which is the fact, that the device is locked for several carriers. Previously Nexus smart phones were open for all carriers and any SIM cards, but it seems that Nexus 6 still can be useful for various carriers in some cases.

With more than 45% of consumers are expected to buy smart phones or any other digital devices during this festive season, voipproviderslist.com has created a list of shop advices for parents where to get a first mobile phone for their child.

Mobile Internet revolution does not show any signs of slowing down, with income almost 73 Billion GBP per year for TOP5 European countries.

CounterPath Corporation, being the true leader in sector of differentiated mobile VoIP software applications, has announced about deployment of its Bria Mobile softphone by VirtualPBX.com, in order to empower subscribers of company’s VirtualPBX service to transform their cellular phones into VoIP endpoints that are operationally completely interchangeable with the appropriate business VoIP platforms.

Companies Accenture and one of the prominent eCommerce entity Acquity Group have announced a definitive agreement. In framework of the initiative Accenture acquires Acquity, thus improving marketing positions and extending the outreach of IT services that Accenture brings up to its customer base.

Providers List



Video Conference Services in Mumbai #list #of #video #conference #services #in #mumbai, #reviews, #map, #address, #phone #number, #contact #number, #local, #popular #video #conference #services, #top #video #conference #services


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Video Conference Services in Mumbai

Video Conference Services

Where in Mumbai

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Best Project Management Schools: List of Top U #masters #in #project #management #schools, #best #project #management #schools: #list #of #top #u.s. #programs


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Best Project Management Schools: List of Top U.S. Programs

School Information

Below, you’ll find info on two top schools that provide project management programs. Both schools offer certificate programs in project management aimed at mid-career professionals and current managers who want to advance their knowledge base. Various managerial topics are covered, including team leadership, financial management, project scheduling and purchasing.

1. Stanford University in Stanford, CA

School Highlight: Stanford University offers an Advanced Project Management Certificate in an on-campus or online format.

Stanford University is a private residential college that took 4th place in U.S. News World Report ‘s 2015 ranking of the nation’s top schools. The same organization ranked Stanford second among top U.S. business schools for management.

The Stanford Center for Professional Development offers an Advanced Project Management Certificate program; students must have three years of project management experience and a bachelor’s degree to enroll. Those who have completed the six-course program are referred to as Stanford Certified Project Managers. Three elective courses are chosen from a variety of advanced topics, such as organization design, effective team leadership, financial project management or managing without authority. The program is designed for many types of managers, including senior-level executives, engineering PMs and human resource directors.

2. University of Virginia in Charlottesville, VA

School Highlight: In 2015, U.S. News World Report named the University of Virginia (UVA) the second-best public school in the U.S.

The School of Continuing Professional Studies certificate program in project management is designed for professionals of both public and private industries in any field of work. The program’s eight courses, five of which are required, provide a framework of tools for PMs to use in their real-world applications. Required courses include project scheduling and budgeting, team relationships and project risk management. Electives cover topics such as procurement and contract administration, information technology systems management and purchasing for PMs. All of the courses are offered online and are also available alone without enrollment in the program.

Find schools that offer these popular programs

  • Actuarial Sciences
  • Business and Commerce, General
  • Business Statistics
  • Customer Service Management
  • eCommerce
  • Logistics, Distribution, and Materials Management
  • Management Science
  • Office Management
  • Operations Management
  • Public and Nonprofit Organizational Management
  • Purchases, Acquisitions, and Contracts Management
  • Transportation Management

Top Schools with Good Programs in Project Management

Learn about the education and preparation needed to become a project manager. Get a quick view of the requirements as well as.

Online project management engineering courses are offered by a number of colleges and universities. These classes are typically.

Learn about online programs with project management courses. Get an overview of the program types, requirements and course.

Students enrolled in project management classes learn how to effectively coordinate projects, lead teams, make important.



List of Direct Online Payday Lenders for Instant Pay Day Loans #uk #loans


#direct lender payday loans
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Direct Payday Lender List – Apply Now

Feel free to apply with any credit. Below is a detailed list of top Direct Payday Loan Lenders for Instant Approval Online Payday Loans. bad credit loans, and quick cash advance. Most of them are completely faxless and require no credit checks.

Direct Payday Lenders Canada

For a complete Frequently Asked Questions (FAQ) section, please CLICK HERE to visit the home page of this site.

At the same time, here is a quick outline of some of the main aspects about loans and lenders featured above.

A cash advance loan and a payday loan are basically the same thing they are different names for the same type of a personal loan. There are different variations of these loans like online cash advance loans, same day cash advance loans, instant payday loans and some others.

All of the lenders above provide online cash advance loans, which means that they accept applications online through their websites and the whole process of approval is done electronically. There is never a need to go to a local facility or mail in paperwork.

The other type includes same day cash advance loans, which means that these loans generally get approved and issued to the applicant on the same business day that the application was received. Not all lenders can work on such short time frames but some do, especially most of the above listed lenders.

Yet another type includes instant payday loans. which often is part of the above two types. Instant payday loans refer to those loans that get approved automatically immediately upon submission of the paperwork (application) online.

As far as the lenders themselves, they are similarly called cash advance lenders and payday lenders again, different terms for the same type. Some of these lenders are labelled as direct payday lenders. which is exactly what all the above lenders on this site are. Direct payday lenders are classified as such because they work directly with their applicants without any use of brokers or any third party companies. Most people prefer to work with online direct payday lenders. as they are generally very flexible, quick and easy to work with, and allow 100% of the application process to be completed online.

Filling out an application usually takes just a couple of minutes and the information requested is the most basic.

These cash advance lenders mainly want to know that an applicant is of legal age (18 years old), is employed with consistent income and has a bank account. The latter is important because that is the account where the proceeds of the loan will be deposited once the loan is approved. Direct payday lenders almost always prefer the direct deposit method of getting the cash to the applicant because it is the easiest and fastest for everyone involved.

These are the basics about the whole process of working with these lenders.

You can just click on any lender above that you choose and proceed to filling out their online application form.

For all other questions, please see the FAQ section on the home page.



Structured Settlement Companies #list #of #structured #settlement #companies


List of Structured Settlement Companies

Update: May 22, 2013

The industry is full of very reputable companies and some very shady characters who have negative reputations online. It is important to do your diligence, call the company you are looking to get funding from, read the reviews listed here at Einstein Structured Settlements, compare quotes, see where their principle office locations are, and contact the office by phone to see who is going to get you the most funding in the shortest amount of time.

How do you know if the corporation that you are dealing with is the right one for you? There is no formal directory for the secondary market where sellers look to transfer their current and future payments in exchange for a large lump sum. Instead there are orgnaizations like the NSSTA and NASP but they do not tell you who is to be trusted and who is not as anybody can apply to join making it similar to joining the Better Business Bureau (BBB) which has gotten more than it s fair share of complaints for their practices and rating scales.

Below is a comprehensive list of all of the Structured Settlement Companies. If you would like to add a company or leave a review than please contact us using the form to the right.

Peachtree Settlement

Contact Phone Number: 1-866-284-5567

Corporate Address: 3301 Quantum Boulevard, 2nd Floor

Boynton Beach, Florida 33426-8622

Reviews on Peachtree Settlement – (Please Contact us for the reviews or to leave a new review about your service with Peachtree)

Speacilizes in: Medical Lien Funding, Lottery Payments, Annuities, Attorney Cost Financing

JG Wentworth

Contact Phone Number: 1-877-CASH-NOW or 1-800-741-9545

Corporate Address: 201 King of Prussia Road Wayne, PA

Reviews on JG Wentworth – (Please Contact us for the reviews or to leave a new review about your service with JG Wentworth)

Specializes in – Lump Sum payments for pre settlements, lottery winnings, mortgage notes, and lawsuit advances.

Novation Capital

Contact Phone Number: 1-888-725-8368

Novation Capital, LLC

1641 Worthington Road
Suite 410
West Palm Beach, Florida 33401

Reviews on Novation Capital – (Please submit all reviews, scam warnings, and feedback to us directly for Novation Capital)

Specializes in: Annuities and Structured Settlements

Singer Asset Finance

Website: Singerasset.com

Office Phone Number: 1-800-670-6777

2255 Glades Road, Suite 118 East

Boca Raton, FL 33431

Woodbridge Structured Funding LLC

Main Website: woodbridgeinvestments.com

Secondary website: Woodbridgepresettlement.com

Office Toll Free Phone Number: 1-877-899-9145

California Office Address:

12031 Ventura Blvd
Ste 1
Los Angeles. CA 91604
Neighborhood: Studio City

Also has an office in Boca Raton, Florida

Woodbridge Structured Funding Reviews and Feedback (Please send us an email to receive the posted reviews or to leave a review about your experience with Woodbridge).

Mainstreet Funding – You Deserve More

Contact them today at 1-877-919-8003

Imperial Structured Settlements

This Boca Raton, Florida company has their main website located at www.imperialstructuredsettlements.com and can be contacted toll free at: 1-866-744-9935.

According to their wikipedia page the public company is part of the National Association of Settlement Purchasers and is ran by a Deborah Benaim. For more information about them call the number above or do a search online and see the options of what you may see below.

They currently do not have a rating with the BBB but the google autocomplete suggestion currently says the following:

imperial structured settlements complaints
imperial structured settlements raid

imperial structured settlements reviews

imperial structured settlements llc

imperial structured settlements boca raton

imperial structured settlements fbi

imperial structured settlements ipo

Rescue Capital

Rescue Capital Reviews. Services, and Other Information is not provided on their website.

They do not provide a physical mailing address or office location on rescuecapital.com but do however have a toll free phone number 1-866-688-3532. The website claims that they are located in Philadelphia, Pennsylvania (the same city as JG Wentworth).

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Top 100 Cloud Services Providers List 2013: Ranked 10 to 1 #top #100 #cloud #services #providers #list, #top #100 #csps #list, #cloud #services #brokerage, #cloud #services #aggregator, #talkin # #cloud #top #100 #cloud #services #providers


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Top 100 Cloud Services Providers List 2013: Ranked 10 to 1

Amazon CEO Jeff Bezos has built his company into a cloud services giant — landing No. 2 on our third-annual Talkin Cloud 100 list.

10. NetSuite, San Mateo, CA, USA: The cloud-based ERP provider continues to enjoy rapid growth and an expanding channel partner base. NetSuite s business expanded about 31 percent to $308 million in 2012. Channel Sales VP Craig West has been recruiting Microsoft partners into the NetSuite program. Among West s innovations: The NetSuite SP100 program which offers partners 100 percent of first-year revenues for new customer engagements. NetSuite also runs one of the.

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List categories – WordPress Plugins #category #list #wordpress


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Description

Simple plugin to display categories in any post or page with a shortcode. It s basically a shortcode API interface to the wp_list_categories WordPress function.

Will display links to all the categories and order them by number of
posts in each category.
By default, the usage shows:

  • No link to all categories
  • Sorts the list of Categories by the Category name in ascending order
  • Displayed in an unordered list style
  • Does not show the post count
  • Displays only Categories with posts
  • Sets the title attribute to the Category Description
  • Is not restricted to the child_of any Category
  • No feed or feed image used
  • Does not exclude any Category and includes all Categories
  • Displays the active Category with the CSS Class-Suffix current-cat
  • Shows the Categories in hierarchical indented fashion
  • Display Category as the heading over the list
  • No SQL LIMIT is imposed ( number = 0 is not shown above)
  • Displays (echos) the categories
  • No limit to depth
  • All categories.
  • The list is rendered using a new walker object of the the Walker_Category class

Markup and Styling of Category Lists

By default, wp_list_categories() generates nested unordered lists (ul) within a single list item (li) titled Categories .

You can remove the outermost item and list by setting the title_li parameter to an empty string. You ll need to wrap the output in an ordered list (ol) or unordered list yourself (see the examples above). If you don t want list output at all, set the style parameter to none.

You can style the output with these CSS selectors :

Installation

  • Upload the plugin s directory into your wp-content/plugins/ directory.
  • Login to your WordPress Admin menu, go to Plugins, and activate it.

Reviews



HFC Beneficial Complaints – 3 Consumer Reviews – Complaints List #cheap #payday #loans


#beneficial loans
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Beneficial.com SnapShot

Last Updated On: October 20, 2015

HFC Beneficial Corporate Contact

Business Name: HSBC Finance Corporation

Latest HFC Beneficial Complaint

Charging for their mistake

On: March 11, 2014

By: Linda Irwin

Reported Loss = $30.43

March 7, 2014, we received a notice that our account was past due and that we owed actually about $29 more than what our payment was. In reading the letter, it appeared that it had something to do with the optional life insurance, but nonetheless, I checked with our bank to make sure the payment we had made on February 27th (not due until March 16th) had cleared. It cleared March 4th. I called the customer care number at 1-800-365 0175.

It turns out that they supposedly sent some letter out the end of December stating that due to a system malfunction, the optional insurance did not get properly credited and that our payment went only to principal and interest. We now owed the $30.43 that did not get paid towards the insurance. The letter and our payment credit for March 16th had crossed, so now we only owed the optional insurance amount, but if we did not pay that by March 16th, we would be assessed a $15.00 late fee and they would also report us to the credit reporting agencies.

I said that it was not our fault that they misapplied portions of the payment. We are not responsible for that. They insisted that we were. I hung up dissatisfied with how this was handled, knowing that they had me unless I was willing to avoid the late fee by giving in and paying them an amount which should have been adjusted internally. The second mortgage loan we have with them is a set monthly fee with the chance of getting the interest lowered each year for paying on time. You can count on the amount to always be the same unless it goes down a bit at the beginning of the year. I do not budget for sudden unknown increases in set loan payments that are not any fault of my own, so am very upset that now I have to scrounge up an additional amount that they should have either written off or adjusted within their own company. I wonder how many others that did receive this letter (which we never got) just went ahead and paid it? It does not seem right to me that they can get away with this.

If I am offering a service to someone and incur additional fees after a contract has been agreed upon, it is up to me to fix or write off if the expense of my service exceeds the amount agreed upon, not charge the person more money.

I have reported this to the Idaho State Attorney General Office as well as Consumer Affairs. I attempted to report it to the Better Business Bureau but find out that they have no ratings with them.



The 12 Most Profitable Small Businesses – Insider Monkey #accounting #services, #businesses, #certified #public #accountants, #freestanding #emergency #and #surgical #centers, #insurance #agencies # # #brokerages, #lessors #of #non-residential #buildings, #lessors #of #self-storage #units, #list #xfinance, #most #profitable #small #businesses, #office #of #optometrists, #offices #of #chiropractors, #offices #of #dentists, #offices #of #physicians, #sales #financing, #slideshow, #small #businesses, #tax #preparation #services, #top #12 #most #profitable #small #businesses


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Dear Valued Visitor,

We have noticed that you are using an ad blocker software.

Although advertisements on the web pages may degrade your experience, our business certainly depends on them and we can only keep providing you high-quality research based articles as long as we can display ads on our pages.

To view this article, you can disable your ad blocker and refresh this page or simply login .

We only allow registered users to use ad blockers. You can sign up for free by clicking here or you can login if you are already a member.

Published on November 13, 2013 at 10:47 am by David Nixon in Lists

Most profitable small businesses. When you say small business, you might think of a venture with a limited target audience and an equally limited profit. But you might be mistaken, as there are numerous small businesses out there that are actually immensely profitable. Some small businesses have a loyal clientele because they re able to cater to the personal shopping experience. Some grow, some get acquired, some stay the same but profitable enough for a consistent and dependable paycheck. Small businesses built this country; it s a part of the American psyche. Yes, there might be a billionaire who invents an app for making a peanut butter and jelly sandwhich make a coctail do the hustle, but who needs that guy.

These businesses were ranked using the statistics issued by Sageworks, a financial information corporation.

If you get to the end and think you could handle a bigger bet, check out our piece on the best large businesses .

Insider Monkey Small Cap Strategy

Hedge Fund Resource Center

The 6 Most Expensive Engagement Rings Ever Worn

The 10 Highest Paying Sporting Events in the World

The 6 Best Boarding Schools in the World

The 7 Most Profitable Businesses You Could Start

The World s 20 Most Expensive Paintings

The 8 Best Paid Authors of the Past Year

The 6 Most Dangerous Roads You Could Ever Drive On

The 9 Weirdest Jobs in the World

The 8 Best Summer Jobs for College Students

The 12 Fastest Boats on the High Seas



Email Marketing Software, Bulk Email Marketing Tools, Email Newsletter #email #marketing, #bulk #email, #bulk #email #marketing, #automated #email #marketing, #newsletter, #personalized #email, #mailing #list, #email #list, #dynamic #mail #communicator, #marketing #campaign, #opt #in, #email #campaign, #business, #subscribe, #mailing #list #management #software


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Mail Communicator

Automated email marketing solution making your email marketing simple

Mail Communicator is the most simple and user-friendly automated email marketing software available allowing you to create, manage and track results of your permission based bulk email campaigns and newsletter distributions. Our email marketing software offers solutions for high volume personalized emailing with powerful additional features that will help your business maximize ROI.

Welcome to Mail Communicator V3 Product Tour.

You can start your Email Marketing Campaign with 6 simple steps”> Mail Account Management

In this tab, you can view, create, edit and delete all of Mail Accounts you’ve created. There are 2 ways to create and edit your Mail Accounts, Wizard mode and Classic Mode”> Mailing List Management

In this tab, you can view, create, edit and delete all of your Mailing Lists. You have 3 options in setting up your Mailing List:

1. You can use the build in List Editor to build your list from scratch.

2. If you have a data source file, you can import it to the program to create a Mail Communicator compatible list.

3. You can link your Mail Communicator compatible database directly. At the moment, the program supports MS Access, MS SQL Server 6.5 and MS SQL Server 7.0 or later”> Message Draft Management

In this tab, you can view, create, edit and delete the Message Drafts you’ve created. There are 2 ways to create and edit your Message Draft, Wizard mode and Classic Mode”> Mail Campaign Management

This is where you can create your Mail Campaign and manage them. The completed Email Campaign will be stored in Sent folder, the Campaigns that set to be sent will be in the Outbox folder and the Campaigns that have not been completely set up will be in the Draft folder.”> Subscription Management

The program has a Wizard style for managing your Subscribe, Unsubscribe or removing Bounced back emails. You can even tell the program to remove an email address if it has bounced back twice.”> Email Tracking Management

The Mail Communicator also integrates Email Tracking systems that allows you to track your email campaigns, Track how many visitors open your email campaign, how many click-thrus and sales, and also calculates ROI.”> Email Sending Reports

The Mail Communicator also provides a reporting feature where you can view your Email Campaign sending performance such as how many emails got sent, skipped or unsent. You also can view the report on the Skipped and Unsent emails to see the reason why those emails are being skipped or unsent. “> Email Sending Reports

The program also comes with the Mailing List Utility tools. You can use the tools to sort/deduplicate a list, remove email addresses from a mailing list against other mailing list, merge, split, count and even retreive Email addresses from a file. “>

Watch our quick tour to learn how Mail Communicator can help with your email marketing campaign.

Download free version of Mail Communicator today and start your email marketing campaign.

Purchase Mail Communicator T today and Get all the powerful features start your email marketing campaign.

It contains the following major modules:

  • Mailing list management module
  • Bulk email broadcasting and mail merge module
  • Auto-responder and incoming mail processing module
  • Subscribe/Unsubscribe module
  • Bounce back email and remove module
  • Email tracking and reporting module

No other opt in email software on the market can beat its price/features ratio. The best part is you don’t need any technical knowledge to start making use of its strong capabilities.

Marketing by email still remains one of the most effective way to attract new customers and build solid relationships with existing ones in a cost effective manner. Now with Mail Communicator email marketing campaigns are a breeze. Download it now and start boosting your email marketing campaigns today.

Click on the link to find out how Personalized Email Marketing works.

FREE BONUS offer for every purchase before :

  • Free Apex Internet Marketing Training Tool kit (value $599.99)
  • Free Step-by-Step Guide for Email Marketing (value $399.99)

Help and documentation

Testimonial

As you know we spend almost $100,000 per month on Pay Per Click (PPC) engines. Managing Yahoo! plus 7 other PPC engines with the 100+ keywords was a very time consuming and tedious task until we purchased Bid Maximizer for Yahoo! and Bid Maximizer Advance. These products perform unbelievably well saving me numerous hours per week. More time is always good but the fact that I am also spending less money on advertising and generating higher sales on the money I spend, is a major bonus.

Other SEM Tools

SEO Suite – SEO Marketing Software

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The Shortest URL Shorteners #short,shortest,shortener,shortest #url #shortener,list,3 #letters,roundup,unicode,cctld,url #shortener


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The Shortest URL Shorteners

I have previously posted a roundup of 20 Really Short URL Shorteners. but now I feel the need to list the shortest URL shorteners out there, or at least the ones I know about. Basically, the shortest domain name possible is one that is made up of 3 letters and a dot; the first character could be a letter, number, or a Unicode character followed by the dot and the 2 letters of ccTLD (country code top-level domain ).

Finding such a short domain name is not easy, even though there are more than 250 ccTLDs to choose from, and many domain lookup services to help you achieve that such as domai.nr. For that reason, and to set them apart from the many similar services. I bring you this roundup of the shortest URL shorteners, hoping their existence will be contrary to their characters length.

1. 3.ly

2. a.gd

3. r.im

4. u.nu

5. x.vu

6. z.pe

7. tinyarro.ws

Bonus untiny.me

Untiny.me allows you to un-shorten or to get the original URL of a shortened one.

Related Roundups

Helpful Articles and Resources

  • Country code top-level domain From Wikipedia
  • List of ccTLDs From IANA
  • VisiBone Country Chart an interesting map of internet country codes. (via Jacopo Farina )
  • How To Easily Create Your Own URL Shortener With WordPress by Rae Hoffman of Outspoken Media
  • PHPurl a free and simple script in case you want to create your own URL shortening service by Nile Flores of Blondish.net
  • Shorten URL a useful Firefox Add-on currently supporting 100 URL shortening services by LouCypher whom I thank for bringing to my attention a couple of the shortest URL shorteners I didn t know about.

Know Some More?

You know the drill; share them with everyone by adding them in the comments.

Share the Love!

If you enjoyed reading, consider sharing it on one of these social sites.

You may also like:

  • Zi.ma
    SEO friendly URL Shortening service with redirect statistics (timing, referring [. ]
  • Yoolink.to
    With Yoolink.to you can easily publish your bookmarks on [. ]
  • xaddr
    Make long, hard-to-type web addresses into short urls that are [. ]

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55 Comments ( Add Yours )

Wow that s really short Usually you can t get 1-character domains through domain registrars but only at the registry directly. Registering a 2-character domain shouldn t be a problem though. There are still many available, check out the following lists:

[. ] the shortest URL shorteners – singlefu..rteners/ today, 11:02 from koornk strawberries pikchur yesterday, 21:34 from Pikchur [. ]

Great post, but I know about an other short url engine, inurl.ws it´s realy cool, easy to use and clean. Thanks



Council tax – bands and band reductions – Cornwall Council #band #a, #band #b, #band #c, #band #d, #band #e, #band #f, #band #g, #band #h, #band #reductions, #council #band, #council #tax, #council #tax #band, #counciltaxbandfaq, #property #band, #tax #band, #valuation, #valuations, #valuation #office, #banding, #council #tax #charges, #valuation #band, #appeal #against #banding, #re-banding, #valuation #officer, #voa, #valuation #list, #revaluation,


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Council tax – bands and band reductions

Find the Band of a Property

The Valuation Office Agency values properties for the purpose of council tax. The amount of council tax you have to pay depends on the band of your property.

The Valuation Office Agency, part of Her Majesty’s Revenues and Customs, has put every home into one of eight valuation bands. The valuation is based on an estimate of what your home would have been worth on 1 April 1991.

Property valuation (1 April 1991)

Up to and including £40,000

More than £320,000

Council tax bands and charges

To find the council tax bands and how much council tax charges are, please view the council tax banding rates and charges 2017 for properties in Cornwall.

You can also use the Valuation Office Website’s Property Search to find the valuation band for a property.

Appeals against the Banding of your Property

The valuation band of a property is determined by the Valuation Office (an agency of the Inland Revenue). If you wish to appeal against the banding you should contact the local Valuation Office (see contact details at the bottom of this page).

The grounds for appeal regarding the banding of your property are restricted to the following cases:

  • where you believe that the banding should be changed because there has been a material increase or decrease in the dwellings value.
  • where you start or stop using part of your dwelling to carry out a business, or the balance between domestic and business use changes.
  • Where the Valuation Officer has altered a list without a proposal having been made by a taxpayer

Where you become the taxpayer in respect of a dwelling for the first time. (Your appeal must be made within six months of the date you occupy your new property but, if the same appeal has already been considered and determined by a Valuation Tribunal, it cannot be made again);

If you cannot agree with the Listing Officer on the proposed change to the Valuation List you have a further right of appeal to the Cornwall Valuation Tribunal. The Council or the Listing Officer of the Valuation Office Agency can supply further details concerning the tribunal.

Material Increase/Decrease in value

A material increase may result from building, engineering or other work carried out on the dwelling. In these cases revaluation does not take place until after a sale – so the person appealing would usually be the new owner or resident.

A material reduction result from the demolition of any part of the dwelling, any change in the physical state of the local area or an adaptation to make the dwelling suitable for the use by someone with a physical disability. In these cases revaluation should take place as soon as possible.

Contact details

The Valuation Office
Council Tax West
Valuation Office Agency
Overline House
Blechynden Terrace
Southampton
SO15 1GW

The Valuation Tribunal
2nd Floor
120 Leman Street
London
E1 8EU



Contact the Hunter Holmes McGuire VA Medical Center – Richmond, VA – Hunter Holmes McGuire VA Medical Center – Richmond, VA #phone, #directory, #list, #contact, #telephone, #fax, #make, #schedule, #change, #cancel, #appointments, #veterans, #health, #administration, #va, #vamc, #medical #center, #healthcare, #health #care, #hospital


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Hunter Holmes McGuire VA Medical Center – Richmond, VA

Contact the Hunter Holmes McGuire VA Medical Center – Richmond, VA

Hunter Holmes McGuire VA Medical Center – Richmond, VA offers a variety of health services to meet the needs of our nation’s Veterans. For additional contact information you may also view our phone directory or A to Z List of Services .

Telephone Care

Please contact our telephone care line if you need medical advice, have a question about your medication, or need to schedule a non-urgent appointment. Your location determines which number to use.

  • Within Richmond metro area: 804-675-5000
  • Outside of the Richmond calling area:
    Toll-free 1-800-784-8381

Schedule an Appointment

To schedule an appointment, please contact us at any of the numbers listed on our appointments page. or visit My Healthe Vet .

Former Prisoners of War

Our Former Prisoners of War Advocate can provide special assistance to former POWs. Contact Valerie Norris at 804-675-3504.

Patient Representative

If you have a compliment, complaint, or other issue which you believe requires resolution, please contact one of our patient representatives. Their contact information is available on our customer service page .

Transition Assistance for Returning Soldiers – OEF/OIF/OND

Richmond VAMC provides specialized assistance and a seamless transition for veterans who have served in Operation Enduring or Iraqi Freedom (OEF/OIF) and their families through the adjustment process of pre-and post-deployment.

News Media

Members of the news media should contact our Communications Office at (804) 675-5242.



O General 1 #o #general #1.5 #ton #inverter #asga18jcc #split #air #conditioner #price #list #in #india, #o #general #1.5 #ton #inverter #asga18jcc #split #air #conditioner #price #list #online, #price #list #of #o #general #1.5 #ton #inverter #asga18jcc #split #air #conditioner, #o #general #1.5 #ton #inverter #asga18jcc #split #air #conditioner #prices #in #india


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O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner

  • The price of O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner ranges from lowest price Rs 54812 to highest price Rs 61500.
  • O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner is available at a best price of Rs 54812 from Amazon.
  • The latest price of O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner was fetched by us on 4:48:59am 14-07-2017.
  • Price of the O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner above is in INR/Indian Rupees.
  • The prices for air-conditioners like O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner are valid in all major cities of India like Ghaziabad, Kolkata, Bhopal, Bhubaneswar, Gurgaon, Agra, Thane, Surat, Allahabad, Mysore, Noida, Chennai, Ahmedabad, Pondicherry, Pune, Navi Mumbai, Mumbai, Jaipur, Cochin, Trichy, Trivandrum, Indore, Ranchi, Chandigarh, Lucknow, Ludhiana, Coimbatore, New Delhi, Bangalore, Madurai, Meerut, Srinagar, Bengaluru, Delhi, Hyderabad, Nagpur, Patna, Amritsar. The delivery feasibility and charges may be varying, hence for them please check with the particular seller or store.
  • Although we make a lot of effort to get you the best and the most accurate prices, we cannot guarantee this in every case due to the dynamic nature of online information. Hence you are requested to go through the actual store listings in detail before making a purchase.
  • The payment options available can vary from seller to seller, but a generally they are Credit Card, Cash on Delivery(COD), NetBanking, Debit Card, EMI(Equated monthly Installments) etc.

O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner

Product Description

O General 1.5 Ton Inverter ASGA18JCC Split is a inverter split air conditioner with a capacity of 1.5 ton. It is powered by a tropical rotary compressor and works on refrigerant namely r410a (cfc free). The distinguishing features of this air conditioner are. Auto Restart Automatic air flow adjustment Up/down Swing Flaps Double swing automatic – 3D Wide angle louvers Long-life ion deodorization filter Type: Inverter Split Air Conditioner Powder coated outdoor unit Program Timer Anti-corrosion treatment for ODU and heat exanger fins Tonnage: 1.5 Ton Sleep timer

Dimensions

This air conditioner has dimensions of Indoor unit (depth. 228, height. 320, net weight. 14 kg, width. 998) Outdoor unit (depth. 298, height. 620, net weight. 40 kg, width. 790).

Main Features

O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner has many features like sleep timer, quiet operation, program timer, wireless remote controller, automatic air flow adjustment, anti-corrosion treatment for odu and heat exanger fins, auto-changeover, double swing automatic – 3d, up / down swing flaps, removable and washable panel, 900 m3/hour air circulation, 26 db indoor sound level, auto restart, 2.8 ltr/hr moisture removal.

Power Consumption

O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner has an Energy Efficiency ratio (EER) of 3.51 w/w. It requires a power supply of 220-240 / 1 / 50 and has power consumption of 1480 watts.

Filters

This air conditioner also has various filters like long-life ion deodorization filter.

About the brand

O General is an established and very popular brand in the current Indian online market scenario. Products by the brand O General are available at stores like shopclues, industrybuying, flipkart, amazon, croma, ebay. It sells various items under the categories air conditioners.

Specifications for O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner

Price Chart for O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner

We have analysed price data for O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner for a period of 89 days. The price chart shows following things:

  • The lowest price has been Rs 52990.
  • The highest price recorded is Rs 55000.
  • The average price is Rs 54527.

Our Recommendation for buying O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner

The best price of O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner has not shown much overall variation over the recorded period. There is a general increase for the best price over the time. Since O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner is at a price more than its best price right now, our recommendation will be to buy it at best price in India of Rs 54812 or if you are very sensitive about price, then wait for sometime for price to reduce or a deal for O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner to come up.

Alternatives to O General 1.5 Ton Inverter ASGA18JCC Split Air Conditioner

  • Split Type
  • 1.5 Ton Capacity
  • Eer: 3.55
  • 5 Star Energy(star) Rating

  • Split Type
  • 1.8 Ton Capacity
  • 4 Star Energy Rating
  • Hermetically Sealed Rotary Type Compressor


List of Direct Lenders for Payday Loans #401k #loans


#direct payday loan lenders
#

List of Direct Lenders for Payday Loans

A list of direct lenders for payday loans, same day direct payday lenders or guaranteed direct payday lenders makes qualifying for faxless pay day loans easy.

When looking for a payday loan it is the easiest to work with a prepared list of direct lenders for payday loans that already includes selections of best guaranteed direct payday lenders and even same day direct payday lenders that provide faxless pay day loans at the best possible rates. This can save a potential borrower tens of hours of research and comparing various lenders on the internet. Thankfully, the home page of this site offers the most detailed and free list of direct lenders for payday loans that you can find anywhere. This is literally your one stop information hub.

There are a large number of websites on the internet offering payday loans online, and you will be amazed at the vast array of sites that will come up when you search for payday loans. However, it is not a good idea to apply with the first company or website that comes up. The smartest option is to carefully study and compare the interest rates each company has to offer before making your first move. The downside to this is that it can take an ungodly amount of time to go though a number of these sites and compare all the info. This is why you can save tons of time by working with a list of direct lenders for payday loans that has been prepared by someone else that has already invested all that necessary time into research and studying such vast amounts of information.

A list of direct lenders for payday loans, guaranteed direct payday lenders and even same day direct payday lenders can save tens of hours of time in research, trying to find the right lender.

There are plenty of reasons to choose same day direct payday lenders for your faxless pay day loans needs. First we can mention quickness and the simplicity of the procedure. The whole process takes just a day or two. Usually all you have to do is to fill out the online loan application form on the lenders website with your information and the amount of loan you need. All other work is done by the lending company. You will know very fast whether your application is accepted or not, usually within of one hour but sometimes even immediately. If the application is accepted, the money will be electronically transferred to your account. So, there is no waiting in lines at the bank or filling out extensive stacks of paperwork and faxing them in. You can get your money available to you the very same day, depending on what time you apply. Therefore, the method is ideal for various emergency situations when you need the money fast. If you do not qualify with one lender, you can find another one from the list of direct lenders for payday loans and apply for faxless pay day loans with that one.

Direct online payday lenders combined into a list of direct lenders for payday loans make qualifying for faxless pay day loans, loans to payday, and direct payday loans the easiest.

The same day direct payday lenders are more flexible and they can adjust their lending policy, percentage of interest rates they charge and sometimes the term of their faxless pay day loans much easier than other types of lenders, especially if you think you anticipate having problems with paying back the loan. If the borrower feels that he might not make the deadlines on the loan, these lenders have customer service departments that can be easily reached and they often are very willing to work with their borrowers in altering due dates and possibly other aspects of their direct payday loans. This would practically never be the case with another type of lender.

When following a list of direct lenders for payday loans and faxless pay day loans, the requirements for applying for such loan are minimal.

The basic requirements of most same day direct payday lenders and similar types of a no faxing payday lender are for the borrower to be of legal age (usually at least 18 years old), have a stable source of income and have a bank account. Sometimes they want the bank account specified to be a checking type of an account and that account is usually used to electronically transfer the loan funds to the borrower.

The list of direct lenders for payday loans consists of guaranteed direct payday lenders and these never require a credit check. They do not care about the potential borroweR s credit history at all when considering issuing faxless pay day loans. This is great because it saves time and makes it much easier for most people to qualify the for emergency funds they need. Applying for no faxing payday loans from no credit check payday lenders is also great because applying with multiple lenders from such list of direct lenders for payday loans will not in any way hurt the borroweR s credit score.

To go straight to the list of direct lenders for payday loans click the following link or the image below: List of Direct Lenders for Payday Loans.



HFC Beneficial Complaints – 3 Consumer Reviews – Complaints List #home #equity #loan #calculator


#beneficial loans
#

Beneficial.com SnapShot

Last Updated On: October 20, 2015

HFC Beneficial Corporate Contact

Business Name: HSBC Finance Corporation

Latest HFC Beneficial Complaint

Charging for their mistake

On: March 11, 2014

By: Linda Irwin

Reported Loss = $30.43

March 7, 2014, we received a notice that our account was past due and that we owed actually about $29 more than what our payment was. In reading the letter, it appeared that it had something to do with the optional life insurance, but nonetheless, I checked with our bank to make sure the payment we had made on February 27th (not due until March 16th) had cleared. It cleared March 4th. I called the customer care number at 1-800-365 0175.

It turns out that they supposedly sent some letter out the end of December stating that due to a system malfunction, the optional insurance did not get properly credited and that our payment went only to principal and interest. We now owed the $30.43 that did not get paid towards the insurance. The letter and our payment credit for March 16th had crossed, so now we only owed the optional insurance amount, but if we did not pay that by March 16th, we would be assessed a $15.00 late fee and they would also report us to the credit reporting agencies.

I said that it was not our fault that they misapplied portions of the payment. We are not responsible for that. They insisted that we were. I hung up dissatisfied with how this was handled, knowing that they had me unless I was willing to avoid the late fee by giving in and paying them an amount which should have been adjusted internally. The second mortgage loan we have with them is a set monthly fee with the chance of getting the interest lowered each year for paying on time. You can count on the amount to always be the same unless it goes down a bit at the beginning of the year. I do not budget for sudden unknown increases in set loan payments that are not any fault of my own, so am very upset that now I have to scrounge up an additional amount that they should have either written off or adjusted within their own company. I wonder how many others that did receive this letter (which we never got) just went ahead and paid it? It does not seem right to me that they can get away with this.

If I am offering a service to someone and incur additional fees after a contract has been agreed upon, it is up to me to fix or write off if the expense of my service exceeds the amount agreed upon, not charge the person more money.

I have reported this to the Idaho State Attorney General Office as well as Consumer Affairs. I attempted to report it to the Better Business Bureau but find out that they have no ratings with them.



State By State List of College Student Loan Programs You Need to Know About #micro #loans


#loans for college
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State-By-State Student Loan Programs

Learn How You Qualify

State student loan programs are some of the most accessible, affordable and reliable financial aid tools to have in your arsenal. Finding out what types of college aid are offered in your state is easy. Here at GoCollege.com we have compiled some key information to help you navigate your state’s financial aid programs. Here is what you’ll find in our resources list:

  • Summary of key state financial aid programs
  • Basic strategy for finding and using Federal, State and private loans in your state.
  • Links to more detailed sources for Federal loans with information on where and how to apply
  • Direct links to each state’s higher education agency or college loan programs.

There are two fundamental qualifications you must meet in order to be eligible for State student loan programs:

  1. You must be a resident of the state
  2. You must be an out-of-state student enrolled in a college or university within that particular state.

Given these basic parameters, it is time to explore all of your options. Below is an alphabetical list of the states in the union. Follow the links for specific information regarding each state’s financial aid opportunities. All the information you need to be able to claim that much-needed money for college is just a short mouse click away.



List of Direct Online Payday Lenders for Instant Pay Day Loans #mortgage #loans


#direct lender payday loans
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Direct Payday Lender List – Apply Now

Feel free to apply with any credit. Below is a detailed list of top Direct Payday Loan Lenders for Instant Approval Online Payday Loans. bad credit loans, and quick cash advance. Most of them are completely faxless and require no credit checks.

Direct Payday Lenders Canada

For a complete Frequently Asked Questions (FAQ) section, please CLICK HERE to visit the home page of this site.

At the same time, here is a quick outline of some of the main aspects about loans and lenders featured above.

A cash advance loan and a payday loan are basically the same thing they are different names for the same type of a personal loan. There are different variations of these loans like online cash advance loans, same day cash advance loans, instant payday loans and some others.

All of the lenders above provide online cash advance loans, which means that they accept applications online through their websites and the whole process of approval is done electronically. There is never a need to go to a local facility or mail in paperwork.

The other type includes same day cash advance loans, which means that these loans generally get approved and issued to the applicant on the same business day that the application was received. Not all lenders can work on such short time frames but some do, especially most of the above listed lenders.

Yet another type includes instant payday loans. which often is part of the above two types. Instant payday loans refer to those loans that get approved automatically immediately upon submission of the paperwork (application) online.

As far as the lenders themselves, they are similarly called cash advance lenders and payday lenders again, different terms for the same type. Some of these lenders are labelled as direct payday lenders. which is exactly what all the above lenders on this site are. Direct payday lenders are classified as such because they work directly with their applicants without any use of brokers or any third party companies. Most people prefer to work with online direct payday lenders. as they are generally very flexible, quick and easy to work with, and allow 100% of the application process to be completed online.

Filling out an application usually takes just a couple of minutes and the information requested is the most basic.

These cash advance lenders mainly want to know that an applicant is of legal age (18 years old), is employed with consistent income and has a bank account. The latter is important because that is the account where the proceeds of the loan will be deposited once the loan is approved. Direct payday lenders almost always prefer the direct deposit method of getting the cash to the applicant because it is the easiest and fastest for everyone involved.

These are the basics about the whole process of working with these lenders.

You can just click on any lender above that you choose and proceed to filling out their online application form.

For all other questions, please see the FAQ section on the home page.



Quick Cash Loan Complaints – 2 Consumer Reviews – Complaints List #va #loan


#quick cash loan
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Latest Quick Cash Loan Complaint

Major Scam Beware

On: July 31, 2014

By: Mrs. Right

I filled out a form for a small cash loan for $500. I received a call from someone identifying himself with quickcashloans, he claimed his name was Tom Williams but his voice was laced with a major foreign accent. He said in order to get the loan I had purchase a greendot MoneyPak I had never heard of this type of card. He said I needed to put $50 on it to secure my loan.

After I did this, I have him the card number and he said he needed more money for the loan- another $65, then another $85 and finally he said he needed $200 all on one card because his system didn t recognize the three different cards. Because he said the money on the card would go to pay the interest, I did what he said at first.

Then, realizing this was a scam, I requested the documentation that I was promised, but he said it could only be sent after everything was processed and my loan was still incomplete. I refused to supply more money, told him I would fight through my credit card company, the greendot MoneyPak company, better business and the US Attorney General.

He called back repeatedly trying to get me to state that I was cancelling my loan requested releasing quickcashloans of all monies paid. I wold not, I continued to insist that he could just do the loan for the $200 I had paid and send the documentation on paying any interest.

STAY AWAY FROM ANYONE WITH THIS COMPANY, they are scammers.

quickcashloans.com



Best Payday Loans Companies – Top Ten List. #1000 #loan


#payday loan direct lenders
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Best Payday Loans Companies

Payday loans, sometimes referred to as cash advance loans, have received quite a bit of bad press, but when used properly, a pay day loan can have a definite upside. A short term financial bind can happen to a lot of people and being able to get a small loan quickly can save you money by avoiding costly late fees or overdraft charges. Sure, $50 is a steep price to pay for a $300 payday loan, but if it means you are able to get your rent check, house payment, or car payment in on time and avoid the hefty late fees and possible damage to your credit score, it is more than worth it.

When considering a pay day loan, make sure you only get loans when you really need them (not just to purchase non-essentials), that you will be able to repay the loan when it comes due (this is where some people get into trouble), and that you have selected a reputable, reliable, and fair payday loans company. To help with this last step, below is a list of the top ten payday loans providers.

The Top TenX W

1 Check City TheTopTens Trusted Partner*

They are by far the best payday lender out there. Their customer service is always top notch and they truly care about their customers situations and well-being. I am proud to say I am a Check City customer and I would not have made it through some pretty tough situations without them!

Check City has the best customer service. I can tell the people who work there actually care about me and want to help.

Check City has helped me in the past several times. Always fast, and courteous.



HFC Beneficial Complaints – 3 Consumer Reviews – Complaints List


#beneficial loans
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Beneficial.com SnapShot

Last Updated On: October 20, 2015

HFC Beneficial Corporate Contact

Business Name: HSBC Finance Corporation

Latest HFC Beneficial Complaint

Charging for their mistake

On: March 11, 2014

By: Linda Irwin

Reported Loss = $30.43

March 7, 2014, we received a notice that our account was past due and that we owed actually about $29 more than what our payment was. In reading the letter, it appeared that it had something to do with the optional life insurance, but nonetheless, I checked with our bank to make sure the payment we had made on February 27th (not due until March 16th) had cleared. It cleared March 4th. I called the customer care number at 1-800-365 0175.

It turns out that they supposedly sent some letter out the end of December stating that due to a system malfunction, the optional insurance did not get properly credited and that our payment went only to principal and interest. We now owed the $30.43 that did not get paid towards the insurance. The letter and our payment credit for March 16th had crossed, so now we only owed the optional insurance amount, but if we did not pay that by March 16th, we would be assessed a $15.00 late fee and they would also report us to the credit reporting agencies.

I said that it was not our fault that they misapplied portions of the payment. We are not responsible for that. They insisted that we were. I hung up dissatisfied with how this was handled, knowing that they had me unless I was willing to avoid the late fee by giving in and paying them an amount which should have been adjusted internally. The second mortgage loan we have with them is a set monthly fee with the chance of getting the interest lowered each year for paying on time. You can count on the amount to always be the same unless it goes down a bit at the beginning of the year. I do not budget for sudden unknown increases in set loan payments that are not any fault of my own, so am very upset that now I have to scrounge up an additional amount that they should have either written off or adjusted within their own company. I wonder how many others that did receive this letter (which we never got) just went ahead and paid it? It does not seem right to me that they can get away with this.

If I am offering a service to someone and incur additional fees after a contract has been agreed upon, it is up to me to fix or write off if the expense of my service exceeds the amount agreed upon, not charge the person more money.

I have reported this to the Idaho State Attorney General Office as well as Consumer Affairs. I attempted to report it to the Better Business Bureau but find out that they have no ratings with them.



1 List of Legal & Reliable Licensed Money Lenders in Singapore


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No obligation! Apply now and get quick approval!

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Only 21 years old and above is eligible for loan application.

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We will only use any information collected as minimally as possible, mainly to assist us in customising and delivering loan packages that are of interest to our customers.

We will not make unsolicited requests for customer information through email or the telephone, unless customers initiate contact with us.

We have established strict confidentiality standards for safeguarding information on our customers.

Credit Hub Capital will not use or disclose information collected from you other than for the purpose made known to you, authorised by you or required by the Law.

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