#prequalification

[best-fictional-marine-reptile]

Pre-Qualifier Poll: Tankceratops

I can NOT make up my mind on this one so please help me:

On the one hand, I'm 100% not allowing vehicles that happen to resemble dinosaurs, or have dinosaur designs on them, but are still vehicles (such as Robirdo), in the same way that a pirate ship with a mermaid on the masthead does not suddenly become a mermaid.

On the other hand, if you were to remove the legs of a triceratops and replace it with tank treads, would it still be a triceratops? If yes, then what if you changed everything but the head? Similarly, if you put a triceratops head on, say, the body of an octopus or something else very clearly not a dinosaur, would THAT still count as a dinosaur? Or if you put the head of any other animal on the body of a triceratops? Where do we draw the line?

I can't promise I will unquestioningly go along with whatever the poll decides but PLEASE share any thoughts you have! It's been hours and I can't make up my mind

[joemardesichcms]

Navigating the Commercial Loan Application Process: Step-by-Step Tips for Brokers!

Introduction:

The commercial loan application process can be a complex and daunting journey, filled with potential pitfalls and challenges. For brokers, efficiently managing this process is essential for delivering value to clients and securing successful outcomes. By following a systematic approach and leveraging key strategies, brokers can streamline the commercial loan application process and navigate it with confidence. Here's a step-by-step guide on how to do just that. 1. Initial Client Consultation:

The journey begins with an initial consultation with the client. Take the time to understand their financing needs, business objectives, and financial situation. Gather relevant documentation, such as financial statements, tax returns, and business plans, to assess their eligibility and determine the most suitable loan options.

2. Prequalification and Preapproval:

Before diving into the formal application process, brokers should work with clients to obtain prequalification and preapproval from lenders. This involves submitting preliminary financial information to lenders to assess the client's creditworthiness and determine their borrowing capacity. Prequalification and preapproval can help streamline the application process and strengthen the client's negotiating position.

3. Loan Application Submission:

Once prequalified or preapproved, it's time to submit the formal loan application to selected lenders. Brokers should carefully review the application package to ensure it is complete, accurate, and tailored to the lender's requirements. Provide supporting documentation and financial projections to strengthen the application and increase the likelihood of approval.

4. Negotiation and Due Diligence:

As lenders review the loan application, brokers should be prepared to negotiate terms and conditions on behalf of their clients. This may involve discussing interest rates, loan terms, collateral requirements, and other key aspects of the loan agreement. Conduct thorough due diligence on behalf of the client to assess the risks and benefits associated with each lender's offer.

5. Closing and Funding:

Once terms are agreed upon, brokers play a crucial role in facilitating the closing and funding process. Coordinate with lenders, attorneys, and other relevant parties to ensure a smooth and timely closing. Review loan documents with the client to ensure they understand their obligations and rights under the agreement. Celebrate the successful funding of the loan and continue to provide support and guidance to the client as needed.

Conclusion:

Navigating the commercial loan application process requires careful planning, attention to detail, and effective communication. By following these step-by-step tips, brokers can efficiently manage the application process, minimize delays, and maximize the likelihood of success for their clients. By serving as trusted advisors and advocates, brokers can help clients achieve their financing goals and propel their businesses forward.

[a2zplusuae]

Gain Prequalification Advantage in Abu Dhabi with Plus UAE

Elevate your business prospects in Abu Dhabi through effective prequalification services provided by Plus UAE. Our seasoned experts guide you through the intricate process, ensuring compliance with Abu Dhabi's prequalification requirements. Let us help you secure the prequalification status that opens doors to lucrative opportunities in the capital.

Contact Plus UAE today to leverage our expertise and secure your prequalification status in Abu Dhabi. Unlock your potential for growth and success.

[himblebo]

Again I wonder. Could I be successful if I started making p*rn.

[jobskenyaplace]

PREQUALIFICATION FOR SUPPLY AND DELIVERY OF DRY FOODSTUFFS FY 2025/2026 - KWL

COUNTY COMMISSIONER KWALE TENDER JUNE 2025  INVITATION TO APPLY FOR PREQUALIFICATION  PREQUALIFICATION FOR FRAMEWORK AGREEMENT FOR SUPPLY AND DELIVERY OF DRY FOODSTUFFS Contract No: KWL/CC/02/2025-2026 Prequalification Reference No.: KWL/CC/02/2025-2026  1. The office of County Commissioner Kwale intends to prequalify Suppliers for supply and delivery of dry food stuff as framework agreement for…

[jooblognews-blog]

PREQUALIFICATION FOR SUPPLY AND DELIVERY OF DRY FOODSTUFFS FY 2025/2026 - KWL

COUNTY COMMISSIONER KWALE TENDER JUNE 2025  INVITATION TO APPLY FOR PREQUALIFICATION  PREQUALIFICATION FOR FRAMEWORK AGREEMENT FOR SUPPLY AND DELIVERY OF DRY FOODSTUFFS Contract No: KWL/CC/02/2025-2026 Prequalification Reference No.: KWL/CC/02/2025-2026  1. The office of County Commissioner Kwale intends to prequalify Suppliers for supply and delivery of dry food stuff as framework agreement for…

[sureeasylendingseo]

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[fincrif]

How to Negotiate Lower Interest Rates on Personal Loans

A personal loan can be a great financial tool for covering unexpected expenses, consolidating debt, or funding major purchases. However, the interest rate you receive significantly impacts the total amount you repay. Negotiating a lower interest rate on your personal loan can save you a substantial amount over time.

Many borrowers assume that interest rates are fixed, but in reality, lenders may be willing to offer better terms under the right circumstances. In this article, we will explore effective strategies for negotiating a lower interest rate on a personal loan, factors that influence your loan rate, and tips to improve your loan eligibility.

Understanding Personal Loan Interest Rates

Lenders determine the interest rate on a personal loan based on several factors, including your credit score, income, debt-to-income (DTI) ratio, and overall financial profile. The better your financial standing, the higher your chances of securing a lower interest rate.

Interest rates can vary based on the type of personal loan:

Fixed-Rate Loans: The interest rate remains constant throughout the loan term.

Variable-Rate Loans: The interest rate fluctuates based on market conditions.

Negotiating a lower rate requires preparation and a strong understanding of what influences lender decisions.

Steps to Negotiate a Lower Interest Rate on a Personal Loan

1. Check Your Credit Score

Your credit score is one of the primary factors lenders use to determine your interest rate. A higher score usually means lower rates. Before applying for a personal loan, check your credit score and take steps to improve it if necessary.

Ways to improve your credit score:

Pay all bills on time.

Reduce outstanding credit card balances.

Avoid applying for multiple loans within a short period.

Dispute any inaccuracies on your credit report.

A credit score of 700 or higher can significantly improve your negotiating power.

2. Shop Around for Lenders

Different lenders offer different interest rates on personal loans. Compare rates from banks, credit unions, and online lenders to find the best offers. Some lenders may provide lower rates to borrowers with strong credit profiles or existing banking relationships.

Use loan comparison websites to check available rates and identify lenders that may be open to negotiation.

3. Get Prequalified

Many lenders offer prequalification, which allows you to check estimated loan terms without affecting your credit score. This gives you a better idea of the interest rates you may qualify for and strengthens your negotiating position.

4. Leverage Your Banking Relationship

If you have an existing relationship with a bank or credit union, use it to your advantage. Banks are often willing to offer lower rates to loyal customers with a strong financial history. Ask about relationship discounts, automatic payment discounts, or loyalty programs that could reduce your interest rate.

5. Negotiate with Multiple Lenders

Once you have prequalified offers, use them as leverage when negotiating with lenders. Let them know you have received better offers and ask if they can match or beat the rate.

6. Consider a Co-Signer

If your credit score is not ideal, having a co-signer with a strong credit history can help you secure a lower interest rate. A co-signer takes joint responsibility for the loan, reducing the lender’s risk.

7. Offer Collateral for a Secured Loan

Some lenders provide lower interest rates for secured personal loans backed by collateral, such as a savings account or a car. While this reduces the lender’s risk, be cautious—defaulting on the loan could result in losing your asset.

8. Negotiate Loan Terms

Besides interest rates, you can negotiate the loan term, repayment schedule, and fees. A shorter loan term may come with lower interest rates. Some lenders may also waive origination fees if you negotiate.

9. Improve Your Debt-to-Income (DTI) Ratio

Lenders assess your DTI ratio to determine whether you can afford a new personal loan. A lower DTI ratio indicates better financial stability. If possible, pay off some debts before applying for a new loan to improve your negotiating position.

10. Request an Interest Rate Reduction After Taking the Loan

If you already have a personal loan, you can still negotiate a lower interest rate by demonstrating a consistent payment history. Some lenders offer rate reductions for borrowers who make on-time payments for a specific period.

Additional Tips to Secure the Best Interest Rate

Time Your Application Wisely: Interest rates fluctuate based on economic conditions. If rates are low, it may be a good time to apply for a personal loan.

Avoid Applying for Multiple Loans at Once: Too many hard inquiries in a short period can lower your credit score and reduce your bargaining power.

Read the Fine Print: Ensure that the loan agreement does not include hidden fees that could offset your interest rate savings.

Use a Loan Calculator: Before finalizing your personal loan, use a loan calculator to estimate total costs and monthly payments.

When Not to Take a Personal Loan

Negotiating a lower interest rate is essential, but sometimes, taking a personal loan may not be the best choice. Avoid borrowing if:

You cannot afford the monthly payments.

The loan is for non-essential expenses.

You have better alternatives, such as 0% interest credit cards or borrowing from family.

Final Thoughts

Securing a personal loan at the lowest possible interest rate requires preparation, research, and strong negotiation skills. By improving your credit score, comparing lenders, and leveraging your banking relationships, you can increase your chances of obtaining favorable loan terms.

Remember, a lower interest rate means lower monthly payments and less money spent on interest over time. Use the strategies outlined in this article to negotiate the best deal on your personal loan and achieve your financial goals without unnecessary costs.

[blackwellmortgagenc]

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[infantisimo]

"Desh TB-mukt nahi hoga, aadmi mukt ho jayega 2025 se pehle"

After receiving several reports from patients, state officials, and civil society groups, the Union government asked the state governments to procure drugs on their own from April this year.

Bihar State TB control officer B.K. Mishra said the directive came “almost, all of a sudden.”

“We never procured TB drugs before because we never felt the need for it [as the Union government used to supply it earlier],” he said.

“We have placed an order with the company concerned for Cycloserine. But there is a delay in the supply…we are regularly following up with the company,” he added.

Mishra also said that the districts have been directed to purchase the drugs from the local medical stores but that is also fraught with uncertainties. “We are not sure about the quality of drugs available with the medical stores. And now, if we enter into the domain of prequalification [testing before supply], it would lead to further delay,” he said.

Another state TB officer from one of the states listed above described the situation as “frustrating”.

“My hands are tied in terms of the maximum amount of medicines I can purchase. If I have to go beyond that limit, the file has to move several desks, which obviously means further delay in procurement and supply,” the officer added. The officer didn’t want to be named as he wasn’t authorised to speak to the media.

Ganesh Acharya, a TB survivor, also pointed out in his letter to the Union Health Minister that there are potential flaws and problems in the state procurement process.

“Decentralised procurement of this kind is especially challenging for states with a smaller number of TB-affected people, limiting their power to negotiate on quantity, price, and delivery timelines,” it read.

[strve098]

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[darkmaga-returns]

WHO press release suggests I was

Meryl Nass Oct 30, 2024 Here is what I wrote last night:

“The WHO never once said what its teams are going to actually do. Or if any doctors or nurses were part of teams. They are not sending in imprecise PCR kits to gin up the cases and deaths, are they?”

And this morning, it looks like that might be exactly the plan:

Wednesday, 30 October 2024

News Release

WHO lists additional mpox diagnostic tests for emergency use

As part of ongoing efforts to enhance quality-assured testing options, the World Health Organization (WHO) has listed two additional mpox in vitro diagnostics under its Emergency Use Listing (EUL) procedure. WHO’s EUL is based on the review of quality, safety and performance data in compliance with international standards while addressing the specific needs of low- and middle-income countries (LMICs).

Polymerase Chain Reaction (PCR) testing, which detects viral DNA, is considered the gold standard for diagnosing mpox infection.

WHO listed the Xpert Mpox, a real-time PCR test manufactured by Cepheid under its EUL procedure, on 25 October. This test is designed for use on compatible GeneXpert systems. The Xpert Mpox test is easy to operate and delivers results in under 40 minutes. Once the cartridge is placed in the system, the process is fully automated, with real-time PCR detecting viral DNA of monkeypox virus clade II. The GeneXpert system is a near-point-of-care testing option, which can support decentralized testing.

Another PCR-based option, the cobas MPXV assay, developed by Roche Molecular Systems, Inc., was listed on 14 October 2024. It is intended for use on the cobas 6800/8800 Systems. This tool is a real-time PCR test capable of detecting both mpox clades and delivering results in under 2 hours. It can process multiple samples simultaneously and is suitable for clinical laboratories that handle large volumes of tests.

“Ensuring global access to mpox diagnostic tests that meet WHO standards for quality, safety and performance is essential for efficient and effective testing in settings affected by mpox outbreaks,” said Dr Rogerio Gaspar, WHO Director for Regulation and Prequalification. “Rapid access to those listed products is critical not only for prompt diagnosis and timely treatment but also for effectively containing the spread of the virus."

WHO previously listed Alinity m MPXV assay, manufactured by Abbott Molecular Inc. under EUL on 3 October.

[prestigebfs]

Tips to Qualify for a Personal Loan: How to Get Approved Fast

Are you looking for a personal loan but unsure if you qualify? Whether you need a loan for debt consolidation, home improvements, or emergency expenses, understanding the qualification process can improve your chances of getting approved with the best terms.

In this SEO-optimized guide, we’ll cover: ✅ Key requirements to qualify for a personal loan ✅ Tips to improve your eligibility ✅ Common mistakes to avoid ✅ Best lenders for personal loans

Follow these expert tips to increase your chances of loan approval and secure the best interest rates!

1. Check Your Credit Score Before Applying

Your credit score is one of the most important factors lenders consider when evaluating your loan application.

📌 Credit Score Ranges: ✔️ Excellent (750+): Best interest rates & high approval odds ✔️ Good (700-749): Qualifies for most loans with competitive rates ✔️ Fair (650-699): Higher interest rates, but still eligible ✔️ Poor (Below 650): May need a co-signer or secured loan

🔹 How to Check Your Credit Score for Free:

AnnualCreditReport.com (Official Free Credit Reports)

Credit Karma, Experian, or Credit Sesame

💡 Tip: If your score is low, improve it by paying down debts and making on-time payments before applying for a loan.

2. Improve Your Debt-to-Income Ratio (DTI)

Lenders assess your debt-to-income ratio (DTI) to determine if you can handle a new loan.

📌 Formula: DTI = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100

✔️ Ideal DTI: Below 36% ✔️ DTI Above 50%? Pay off some debts before applying

💡 How to Lower Your DTI:

Pay off credit card balances

Increase your income (side hustle, raise, etc.)

Refinance high-interest loans

A lower DTI makes you a less risky borrower, increasing approval chances!

3. Maintain a Stable Income and Employment

Lenders want proof that you can repay the loan, so a steady income and employment history are crucial.

📌 What Lenders Look For: ✔️ At least 6-12 months of stable employment ✔️ Consistent monthly income ✔️ Self-employed? Provide tax returns & business income proof

💡 Tip: If you just started a new job, wait a few months before applying to show stability.

4. Reduce Outstanding Debt Before Applying

High credit card balances or existing loans can reduce your approval chances.

✔️ Pay off debt to free up credit availability ✔️ Make extra payments on existing loans ✔️ Avoid maxing out credit cards before applying

💡 Tip: Aim to keep credit utilization below 30% for the best results.

5. Compare Lenders and Loan Options

Not all lenders have the same requirements. Comparing multiple lenders can help you find the best personal loan terms.

📌 Top Personal Loan Lenders for 2024: 🏦 SoFi – No fees & competitive rates 🏦 Upgrade – Ideal for fair credit (scores above 600) 🏦 Marcus by Goldman Sachs – No fees & good for excellent credit 🏦 Upstart – Approves borrowers with lower credit scores 🏦 Discover Personal Loans – Fixed rates & no prepayment penalties

💡 Tip: Use loan comparison websites like LendingTree or NerdWallet to find the best rates.

6. Avoid Multiple Loan Applications at Once

Applying for multiple loans in a short period can hurt your credit score and make lenders view you as risky.

🔹 Instead, do this: ✔️ Use a loan prequalification tool to check eligibility without a hard credit pull ✔️ Apply to one lender at a time

💡 Pro Tip: Most prequalification tools use soft inquiries, which don’t affect your credit score!

7. Consider a Co-Signer If You Have Bad Credit

A co-signer can help increase your approval chances and get a lower interest rate.

✔️ Must have a good credit score (700+) ✔️ Takes responsibility if you fail to repay ✔️ Can help secure a larger loan amount

💡 Tip: Ask a trusted friend or family member to co-sign, but be sure you can make payments on time to avoid damaging their credit.

8. Choose the Right Loan Amount

🔹 Don’t request more than you need! Lenders may deny loans if the amount exceeds what you can afford to repay.

✔️ Use a personal loan calculator to determine the right loan amount ✔️ Check how much you qualify for based on income & credit score

💡 Tip: Smaller loan amounts have higher approval rates and lower monthly payments.

9. Have the Required Documents Ready

Being prepared with the right paperwork speeds up the loan approval process.

📌 Common Documents Required for Personal Loans: ✔️ Proof of Identity: Driver’s license, passport ✔️ Proof of Income: Pay stubs, tax returns, W-2s ✔️ Employment Verification: Offer letter, employer contact info ✔️ Proof of Residence: Utility bill, lease agreement

💡 Tip: Digital copies of documents speed up online applications.

10. Watch Out for High-Interest Loans and Scams

🚫 Avoid lenders that: ❌ Offer “guaranteed approval” with no credit check ❌ Charge extremely high interest rates (above 36% APR) ❌ Require upfront fees before approval

✔️ Stick with reputable lenders and read the fine print carefully.

💡 Tip: If a loan offer sounds too good to be true, it probably is!

Looking For Personal or Business Funding Up to $250K? No Upfront Fees. Book a Free Consult - https://prestigebusinessfinancialservices.com

Email us - anthony@prestigebfs.com

Final Thoughts: How to Qualify for a Personal Loan Fast

Getting approved for a personal loan requires good credit, stable income, and responsible financial habits. Here’s a quick recap of the top tips:

✅ Check & improve your credit score ✅ Lower your debt-to-income ratio ✅ Maintain steady employment ✅ Compare lenders for the best rates ✅ Avoid multiple applications ✅ Consider a co-signer if needed ✅ Be prepared with the required documents

💰 Need a personal loan? Apply with confidence using these tips!

Looking For Personal or Business Funding Up to $250K? No Upfront Fees. Book a Free Consult - https://prestigebusinessfinancialservices.com

Email us - anthony@prestigebfs.com

💬 Have you applied for a personal loan before? Share your experience in the comments!

Prestige Business Financial Services LLC

"Your One Stop Shop To All Your Personal And Business Funding Needs"

Website- https://prestigebusinessfinancialservices.com

Email- anthony@prestigebfs.com

Phone- 1-800-622-0354

[mermen]

classes officially begin in 2 days, and i'm wondering if i should seek out a math tutor right away... the first 20 or so days will be math and physics (+ human factors) and i was able to cram enough to pass the prequalification exam in january but there's still a huge gap in my math knowledge that i'm still trying to piece together and i don't know if i can reach the minimum 70% needed for Approved Training. lol. lmfao.

[raininyourblackeyes]

hey i hope this isn't a weird question but how did you get into judging? i've been thinking of starting because i want to be more involved in the skating scene but i'm not sure where to even start. no need to answer if you don't want also, thanks and have a good day! :)

tbh i work for a super small skating fed and getting an international licence will be pretty much useless to me in a couple of years when i'm old enough. for most federations you must have be an active member in terms of skating before. but since i work for a shithole of a federation for me it was a bit different considering i am not a skater myself at all

several things happened basically, in 2018 one of our judges died suddenly and they didn't have the minimal number of qualified people to judge at nationals (we're that desperate) and this girl who used to be a skater at an international junior level years before who went to my highschool told them her friend had a friend (me) who could probably pass the tests on a fly. at the same time my parents were complaining i knew too much about something as useless as figure skating rules, so i sent them an email outright asking if i could do it considering i had zero prequalifications. so we got in touch, i did the mandatory seminars and training, took the written exam, took the exam where they basically show you a video of an element or a part of the program and ask you to score it and elaborate on it (international exams have some more stuff going on), and i got the position.

but i think this would be pretty much useless since each skating federation has different standards. i think the best would be to try getting in touch with your federation, send an email and ask them about it through a sort of a motivation letter.

[jobskenyaplace]

TENDER FOR SUPPLY AND DELIVERY OF GOODS WORKS AND SERVICES FOR FY 2025/2027 - BDTS

BORESHA SACCO SOCIETY LTD TENDERS OCTOBER 2024  PREQUALIFICATION OF SUPPLIERS 2025 -2027 Boresha Deposit Taking [DT] SACCO Invites applications for prequalification/registration of suppliers from interested eligible and competent bidders for supply of goods and provision of services as below: CATEGORY ITEM DESCRIPTION CATEGORY A: SUPPLY OF GOODS BDTS/01/2025-2027 Supply of general Office…