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topgrowingstocksinindiafor · 10 days ago

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Top 10 Investment Options for Financial Success in India

Introduction- Top 10 Investment Options for Financial Success in India

Exploring profitable investment options is an enormous challenge for any investor, regardless of expertise level. If you are struggling to decide which investment can yield substantial profits in the long term, this article will help you in navigating the nuances of best investment options for achieving financial success in India.

Key investment strategies for financial success in India-

Define Clear Objectives: Your investment strategy should have clear, specific goals aligned with your financial objectives. These objectives could include wealth preservation, income production, and capital appreciation, among others.

Diversify Your Portfolio: To lower risk, distribute your assets throughout several industries and asset types (equities, fixed income, real estate, and commodities). Having a diverse portfolio reduces the risk of losing money on a single investment.

Analyze Market Situation– Evaluate various factors that influence the performance and outlook of financial markets like GDP growth rates, inflation levels, un-employment rates before committing funds.

Invest in Quality– Give priority to investments of high quality that have solid foundations, dependable management, and competitive advantages (such as market leadership or technological superiority). Over time, high-quality investments typically yield sustainable profits.

Risk management: Effectively identify and control financial risk. Recognize the risks involved in each investment choice and put mitigation measures in place. This can entail diversifying between asset classes or establishing stop-loss thresholds for stocks.

Constant Learning and Adaptation: Staying updated about global events, market trends, economic advancements, and regulatory changes is essential to adjusting investing strategy. Making timely changes to investment portfolios is facilitated by ongoing learning and market adaptation.

What are the Best Investment Options in India-

Mutual Funds: Mutual price range offers a unique investing strategy. Mutual price range purchases stocks by pooling the capital of different buyers. A qualified fund supervisor is in charge of this collection of investments. Stock purchases can be made by investors on a shared budget.

Precious metals and gold: Gold has long been regarded as a dependable financial instrument. Physical gold bullion, sovereign gold bonds (SGBs), and gold exchange-traded funds (ETFs) are among the gold investment choices. Physical gold bullion, sovereign gold bonds (SGBs), and gold exchange-traded funds (ETFs) are among the gold investment choices. Investing in precious gold has numerous advantages, including the capacity to serve as an inflation hedge, low credit risk, high liquidity, portfolio diversification potential, and ease of acquisition.

Bonds and fixed deposits: Investing in bonds and fixed deposits is a traditional method that offers precise returns with minimal risk. Bonds and tax-saving bonds that offer buyers fixed interest rates for a specified period of time are provided by governments to assist buyers. On the other hand, despite their modest rates, bonds and fixed deposits (FDs) are popular because of their stability and balance.

Startups and Venture Capital: Financing for venture equity shows promise as a profitable investment for investors who are willing to take risks. Angel and assignment capitalists can find ample funds in India’s growing startup environment to invest in disruptive companies operating in unique industries including internet trading, healthcare, and generation.

Real estate: Traders in real estate purchase homes with the intention of reselling them and making a profit on the difference in the purchase and sale prices.

Education and Skill Development: Investing in oneself should be viewed as a future financial investment that will pay dividends. People can encounter several options through education, staying up to date on current trends, and attending school.

Systematic Investment Plans (SIPs): Additionally, a methodical fundraising strategy is created that allows investors to regularly contribute a fixed amount to a shared budget. Due to its popularity, it is one of the fund investing possibilities that is readily apparent. Traders might mitigate the effects of market swings by offering a specific amount at regular intervals. First and foremost, SIPs give people access to modest amounts that can add up considerably over time.

Education and Skill Development: Investing in oneself should be viewed as a future financial investment that will pay dividends. You can encounter several options through education, staying up to date on current trends, and attending school.

#trade #investment #investor #stock #stockmarket

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riccocpa · 11 days ago

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Your Complete Checklist for Smart Financial Planning in 2025

In today’s fast-paced world, managing your finances wisely has never been more important. As we enter 2025, financial planning isn't just about saving a portion of your income—it’s about creating a roadmap for long-term stability and wealth. Whether you're an individual, a growing entrepreneur, or a small business owner, the right strategy can help you meet your financial goals, reduce risk, and prepare for the unexpected.

At Robert Ricco, Inc, An Accountancy Corp, we offer comprehensive accounting services in Santa Monica to help you make informed financial decisions every step of the way. In this guide, you'll find everything you need to build your financial checklist for 2025—from budgeting and debt reduction to investment planning and tax optimization.

Define Your Financial Goals for 2025

Setting clear goals is the foundation of smart financial planning. Begin by categorizing your objectives into three types:

Short-term goals: Emergency fund, debt repayment, vacation

Mid-term goals: Saving for a home, expanding a business

Long-term goals: Retirement planning, college funds for children

Build a Practical Budget

A budget is a financial blueprint that ensures you're spending within your means and allocating money wisely. In 2025, inflation, interest rates, and economic uncertainty may impact everyday expenses—making budgeting even more crucial.

Popular budgeting strategies:

50/30/20 Rule: 50% on needs, 30% on wants, 20% on savings/debt

Zero-based budgeting: Every dollar is assigned a purpose

Use apps like YNAB, Mint, or QuickBooks to track spending

If you own a business or work as a freelancer, our Bookkeeping Services in Santa Monica ensure your financial records are always up-to-date and accurate.

Create a Reliable Emergency Fund

An emergency fund acts as a safety net for unexpected events such as job loss, medical expenses, or urgent repairs. In 2025, aim to save 3–6 months’ worth of essential expenses. Store this fund in a high-yield savings account to earn interest while keeping it accessible.

At Robert Ricco, Inc, our Santa Monica accounting experts can help you automate your savings and develop cash flow strategies to build your emergency reserves.

Strategically Manage Debt

Debt management is essential to maintaining financial freedom. High-interest debt like credit cards or unsecured loans can hinder your progress.

Popular repayment strategies:

Avalanche method: Pay off the highest-interest debt first

Snowball method: Pay off the smallest debts first to build momentum

Our CPA in Santa Monica works closely with clients to review liabilities, assess credit impact, and develop debt payoff plans that align with their income.

Maximize Your Income and Career Potential

Whether you're seeking a promotion, changing careers, or launching a new business, maximizing income in 2025 is vital.

Here’s how to grow your earnings:

Upskill with certifications or online courses

Explore side hustles or part-time consulting

Network and negotiate effectively

Develop a Smart Investment Strategy

Smart investing helps grow your wealth over time. In 2025, trends such as automation, green tech, and global diversification are shaping new opportunities.

Investment areas to consider:

ETFs and mutual funds

Stocks and dividend portfolios

Real estate and REITs

Roth IRAs and 401(k) plans

Our CPA firm Santa Monica CA provides personalized investment planning services to help clients diversify their portfolios based on goals and risk tolerance.

Prepare for Tax Season All Year Long

Proactive tax planning can save you thousands over the long term. With constant changes in tax codes, it's critical to stay up-to-date.

Tax planning tips for 2025:

Maximize deductions and credits (home office, business expenses)

Contribute to tax-advantaged accounts (401(k), HSA, SEP IRA)

Keep detailed records year-round

Let our CPA in Santa Monica manage your filings, minimize liabilities, and ensure full IRS compliance.

Review Insurance Coverage

Protecting your assets and income through insurance is an essential part of financial planning.

Types of insurance to consider:

Health and disability insurance

Life insurance (term or whole)

Home, auto, and renters insurance

We'll help assess your current policies and ensure you're adequately covered for life's unpredictable moments.

Set Up Estate Planning Documents

Estate planning ensures your assets are distributed according to your wishes. It's not just for the wealthy—it's smart financial planning for everyone.

Key documents to have in place:

A legally binding will

Power of attorney

Healthcare proxy

Living trust (if applicable)

Our firm connects you with trusted estate planning professionals to protect your legacy.

Use Technology and Financial Tools

In 2025, digital tools make financial planning more accessible than ever. Whether you're managing a business or household, automation and software streamline decision-making.

Recommended tools:

QuickBooks or Xero for small business finances

Robo-advisors like Betterment for hands-off investing

Personal finance dashboards for budget tracking

At Robert Ricco, Inc, we integrate these tools into our Bookkeeping Services in Santa Monica to give you real-time financial clarity.

Review and Adjust Your Plan Regularly

A successful financial plan is dynamic—not static. We recommend scheduling quarterly or biannual reviews to adjust your budget, savings goals, and investment strategies.

Our clients benefit from regular strategy sessions with a dedicated CPA in Santa Monica, ensuring that their plans evolve with their lives and business goals.

Why Choose Robert Ricco, Inc for Your Financial Planning?

At Robert Ricco, Inc, An Accountancy Corp, we’re more than just number crunchers. We’re a strategic partner in your financial success. With deep expertise in Santa Monica accounting, tax compliance, and investment planning, we help clients build wealth, reduce risk, and meet their financial goals with confidence.

📞 Call Now for Smart Financial Planning (310) 729-3705

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#accountant santa monica #accountant #bookkeeper #Financial Planning #Ricco CPA

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scholarinfohub · 1 month ago

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50+ Best Finance Dissertation Topics for Research Students In 2025

Choosing the right dissertation topic can feel overwhelming — especially in a dynamic field like finance. With the industry rapidly evolving, thanks to technology, regulations, and global economic shifts, research students must pick relevant, timely, and impactful topics.

If you're preparing to start your dissertation journey in 2025, you're in the right place. I’ve curated 50+ high-potential finance topics to inspire you and help you stay ahead of the curve.

Why Choosing the Right Topic Matters

Your dissertation isn’t just another assignment — it’s your first major research contribution to the field. A well-chosen topic can:

Set the stage for your career specialization

Impress academic panels and future employers

Open opportunities for publications and conferences

Help you develop real-world financial solutions

That's why picking a topic you are genuinely curious about is key. Passion leads to better research!

How to Choose the Right Finance Topic

Before you pick a topic, ask yourself:

✅ Does this topic align with my career goals (e.g., investment banking, fintech, corporate finance)?

✅ Is there enough recent data and literature available for deep research?

✅ Does the topic solve a real-world financial problem?

✅ Am I excited to spend months diving into this subject?

Now, let's dive into the 50+ finance dissertation topics you can consider for 2025!

Top Finance Dissertation Topics for 2025

1. Corporate Finance

The impact of ESG (Environmental, Social, Governance) initiatives on firm valuation

Analysis of mergers and acquisitions success rates in emerging markets

How capital structure decisions influence company growth in the tech industry

Private equity investments and their long-term effects on company performance

2. Investment and Stock Markets

Behavioral finance: How emotions influence investment decisions

Cryptocurrency as an investment tool: Risk vs. reward analysis

The role of artificial intelligence in stock market predictions

ESG investing trends: Are green portfolios outperforming traditional ones?

3. Banking and Financial Institutions

The future of neobanks: Will traditional banks survive?

Impact of Basel III regulations on global banking stability

Credit risk management strategies post-2020 economic shocks

The rise of decentralized finance (DeFi) and implications for traditional banking

4. Fintech and Digital Finance

Blockchain technology's potential in reshaping payment systems

Fintech startups vs traditional banks: Competition or collaboration?

The impact of AI-based robo-advisors on wealth management

Mobile banking adoption rates in developing countries

5. Risk Management

Managing financial risks in a post-pandemic world

The effectiveness of derivatives in hedging market risks

Cybersecurity risks in financial institutions: A growing concern

Climate risk: How financial institutions are adapting

6. Sustainable Finance

Green bonds: Are they a game changer for climate financing?

Sustainable investing: Profitability vs purpose

Financial innovations for achieving net-zero goals

Impact of climate-related disclosures on firm valuation

7. International Finance

How exchange rate volatility impacts multinational corporations

Sovereign debt crises: Lessons from emerging economies

Cross-border mergers: Financial challenges and opportunities

The role of the IMF and World Bank in global financial stability

Final Thoughts

In 2025, finance is no longer just about numbers — it’s about solving global problems, innovating new tools, and leading change. Pick a topic that sparks your interest, and don’t be afraid to explore interdisciplinary areas like fintech, sustainability, and behavioral finance. Remember, a strong dissertation can set the foundation for your entire career.

If you found this list helpful, feel free to share it with a fellow student or colleague who's also navigating their research path! And if you'd like a deeper breakdown or tips on how to structure your dissertation, drop a comment — happy to help.

#tech #scholarships #study abroad #education

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studentabode · 4 months ago

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Master Student Life: Budget Smart, Thrive Brightly!

Student life offers vast possibilities, making lifelong friends, digging into subjects that excite you, and savoring memories. However, dealing with finances in a new environment can be something of a tough challenge for international students. One can manage to combine academics with a social life within a very small budget, though it is no mean feat. Start by writing down every single penny you're spending, no matter how small. Then give priority to essential payments such as rent, groceries, and transport. Plan your meals to avoid unnecessary spending. Look for discounts, student deals, or part-time work. Most importantly, live within your means; discipline now ensures stability later. A strategic approach to budgeting ensures you make the most of this journey.

Understand your finances clearly— Ignorance will drain your resources fast. First, calculate your total annual income. Make a list of all your earning sources, which would include student loans, grants, bursaries, scholarships, your family's contribution, and maybe your part-time earnings. Once you have assigned them a value, divide the total by 12 to arrive at a rough monthly budget. This gives you a clear framework for managing expenses. Don’t overlook this step; knowing your limits is essential to avoid unnecessary stress. Discipline and planning are your allies here. Stay vigilant, track your spending, and stick to the budget. This simple calculation is the foundation for maintaining financial stability during your studies.

Prioritize essentials first— Student accommodation, utility bills, tuition, loans, and food. Once these are covered, assess what’s left in your monthly budget for leisure or non-essentials. Thinking of new clothes or a meal out? If it strains your weekly budget, exercise patience and wait for the next cycle. Spending wisely isn’t flashy, but it’s effective. Remember, careful planning leads to financial stability. For reliable student housing options that fit your budget, check out StudentTenant. It simplifies the process, offering affordable housing, tailored for students. Balance is key—secure your essentials first, then enjoy responsibly. Discipline now means fewer regrets later. Make every penny count.

Protect your valuables— Insurance might seem unnecessary when you’re on a tight budget, but it’s a strategic investment. Student areas often face higher theft risks due to concentrated student properties. While you hope for a trouble-free experience, a small amount spent on insurance can save you from significant financial loss later. Cover your valuables—laptops, phones, and bikes—and focus on your studies without worry. Explore options like Endsleigh Insurance for tailored student coverage. Remember, caution is part of a well-executed plan, and prevention is always better than regret. A little foresight ensures you stay ahead of unexpected setbacks.

Finance responsibly— Top-up student loans from banks can be a lifesaver, often offering favorable interest rates. However, it’s crucial to calculate how much you truly need before committing. Borrow only what’s necessary to avoid unnecessary debt. Many banks, like HSBC, allow you to extend your loan later if you maintain regular repayments. Start small—it’s easier to manage and helps stretch your cash further. A cautious approach to borrowing ensures financial stability and avoids future stress. Always read the terms carefully and stay disciplined.

Stay vigilant— Hidden costs can quietly drain your finances. Some ATMs charge high fees just to access your money, while certain shops set minimum card payments, pushing you to spend more than planned. Credit cards may seem convenient but often carry massive interest rates, leading to overwhelming debt if not handled carefully. Instant loans promise quick cash but come with outrageous repayment costs. Always double-check terms before committing and avoid unnecessary spending traps. Managing resources wisely and planning helps prevent financial pitfalls. Guard your budget carefully to stay secure and avoid unnecessary stress.

Building Financial Wisdom as a Student

By mastering these budgeting habits, you pave the way for a harmonious and fulfilling student life. Mindfulness in spending, foresight in planning, and a focus on essentials shield you from unnecessary burdens, ensuring your finances remain balanced and steady. Among the most significant expenses for students is accommodation—whether you explore student apartments or shared rooms. Platforms like Student Tenant empower you to find housing that aligns with both your budget and well-being, creating a space where focus and comfort coexist, nurturing both your academic and personal growth.

True financial wisdom extends beyond mere numbers—it reflects the choices you make in daily life. Selecting student apartments can offer both autonomy and affordability, especially when you thoughtfully compare amenities and costs. With today’s digital resources, you can explore listings, filter options by budget, and secure a living space that supports both your academic success and peace of mind.

Remember, budgeting is not about denying your life’s joys—it is about mastering your resources so they work in your favor. Shared student rooms, for instance, can lighten financial loads while opening doors to new friendships and shared experiences. Cultivating prudent money habits during your student years fortifies you for life’s greater journeys ahead. Stay wise, stay prepared, and let these years be unforgettable for all the right reasons.

#student accommodation #student housing #student tenant #student apartments #student rooms #international students

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alexander-finance-blogs · 10 months ago

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Decoding Complex Financial Instruments: Essential Tips for Corporate Finance Students

In the dynamic world of corporate finance, understanding complex financial instruments is crucial for students aiming to excel in their academic and professional careers. These instruments, which include derivatives, asset-backed securities, and convertible bonds, among others, play a significant role in modern financial markets. Mastering them not only enhances your analytical skills but also prepares you for the intricacies of real-world financial decision-making. This blog aims to provide essential tips for corporate finance students to decode and master these complex instruments, ensuring you stay ahead in your studies and future career.

Understanding the Basics

Before diving into the complexities, it’s essential to grasp the basic concepts of financial instruments. Financial instruments are contracts that create a financial asset for one entity and a financial liability or equity instrument for another. They can be broadly categorized into two types: cash instruments and derivative instruments.

Cash Instruments: These are financial instruments whose value is determined directly by markets. Examples include loans, deposits, and bonds.

Derivative Instruments: These derive their value from the performance of underlying entities such as assets, interest rates, or indices. Examples include futures, options, and swaps.

Having a solid foundation in these basics will make it easier to understand and analyze more complex instruments.

Derivatives: The Cornerstone of Complex Financial Instruments

Derivatives are a major category of complex financial instruments. They are used for hedging risks, speculation, and arbitrage. Understanding derivatives is fundamental for any corporate finance student. Here are some key types of derivatives you should be familiar with:

Futures: Contracts to buy or sell an asset at a predetermined future date and price.

Options: Contracts that give the holder the right, but not the obligation, to buy or sell an asset at a predetermined price within a specified period.

Swaps: Contracts to exchange cash flows or other financial instruments between parties. Common types include interest rate swaps and currency swaps.

Tips for Mastering Derivatives

Understand the Underlying Assets: The value of derivatives depends on the performance of underlying assets. Make sure you have a solid understanding of these assets, whether they are commodities, stocks, or interest rates.

Learn the Pricing Models: Familiarize yourself with pricing models such as the Black-Scholes model for options and the Binomial model. These models help in determining the fair value of derivatives.

Practice with Real Data: Use historical market data to practice valuing and trading derivatives. This practical approach will enhance your understanding and analytical skills.

Asset-Backed Securities (ABS): Unlocking Liquidity

Asset-backed securities are another category of complex financial instruments. They are created by pooling various financial assets and selling them to investors. Common examples include mortgage-backed securities (MBS) and collateralized debt obligations (CDOs).

Tips for Understanding ABS

Know the Underlying Assets: Just like derivatives, the value of ABS depends on the underlying assets. These can include loans, leases, credit card debt, or receivables.

Study the Securitization Process: Understand how financial assets are pooled together, transformed into securities, and sold to investors. This process is crucial for understanding the risks and benefits of ABS.

Analyze Credit Ratings: Credit rating agencies assign ratings to ABS based on the credit quality of the underlying assets. Learn how to interpret these ratings and their impact on the risk and return of ABS.

Convertible Bonds: The Hybrid Instrument

Convertible bonds are hybrid financial instruments that combine features of both debt and equity. They are bonds that can be converted into a predetermined number of shares of the issuing company. This conversion feature adds complexity to their valuation.

Tips for Mastering Convertible Bonds

Understand Bond Valuation: Begin with a solid understanding of basic bond valuation, including present value, yield to maturity, and coupon rates.

Learn the Conversion Mechanics: Study the terms of conversion, such as the conversion ratio and conversion price. These terms determine how many shares a bondholder can receive and at what price.

Analyze the Trade-Offs: Convertible bonds offer lower interest rates compared to straight bonds, but they provide the potential for capital gains through conversion. Understand these trade-offs and how they impact both the issuer and the investor.

Navigating the complexities of financial instruments can be daunting, especially when balancing academic responsibilities. This is where seeking Corporate Finance Assignment help can make a significant difference. Professional assignment help services offer expert guidance and support, ensuring you grasp the intricacies of complex financial instruments. They can assist with:

Detailed Explanations: Get comprehensive explanations of difficult concepts and instruments, tailored to your level of understanding.

Practical Examples: Work through real-world examples and case studies to apply theoretical knowledge.

Assignment Assistance: Receive help with complex assignments, ensuring you meet academic standards and deadlines.

Conclusion

Decoding complex financial instruments is a critical skill for corporate finance students. By understanding the basics, mastering derivatives, asset-backed securities, and convertible bonds, and seeking Corporate Finance Assignment help when needed, you can enhance your knowledge and excel in your studies. Remember, the key to mastering these instruments lies in a combination of theoretical knowledge and practical application. Stay curious, keep practicing, and leverage all available resources to stay ahead in the competitive field of corporate finance.

Reference : https://www.financeassignmenthelp.com/blog/master-corporate-finance-derivatives-instruments-guide/

#education #student #university #college #corporratefinance

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statsonlineassignhelp-blog · 7 years ago

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Foundations Interest Rate Credit Risk Assignment Homework Help

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Interest Rate Risk is the risk that arises for bond owners from fluctuating interest rates. How much interest rate risk a bond has depends on how sensitive its price is to interest rate changes in the market. The sensitivity depends on two things, the bond's time to maturity, and the coupon rate of the bond. Interest rates vary widely. We at www.statisticsonlineassignmenthelp feel glad to provide help to the students in need through various means. Interest Rate Risk Assignments & Project are usually confound and complex, and requires a deep understanding of the subject knowledge. Experts at www.statisticsonlineassignmenthelp toil to guide the students in the Interest Rate Risk help in lucid, comprehensible & explicit way.

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gwarren-smith-blog · 6 years ago

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Cognitive Control in an Attention Economy

‘Attention and Memory in the Digital Age’ was a well attended event opening up an intriguing array of questions about our present and future in a technologically saturated society. The event took place at THECUBE on the 21st January, a night of extreme conditions, bringing us our first taste of sleet and snow for 2019. Despite the weather, the four anchor speakers and audience soon warmed up over an enthusiastic debate, bringing together a range of perspectives, sometimes somewhat contrasting.

The real focus of this roundtable discussion was the function of attention. I originally selected this subject for its basis in neuroscience, and because of its popular presence in the great neurological debate investigating the impact of digital technology. Having not yet lived a lifetime alongside our handheld devices, this debate is a contentious one. Many of the scientists who are brave enough to predict these effects, put their reputation at risk, as without hard evidence this research can only be read as a prediction.

One of these scientists, Richard Cytowic, claims that amongst the growing debate which questions; the addictive quality of our devices; whether the internet weakens our memory or makes it smarter by showering us with facts; or if social apps connect or isolate us; “what no one seems to dispute us that our attention spans have gone to hell” [1]. We will address the function of attention from a range of contexts, beginning with this statement and the biological perspective.

Nilli Lavie, UCL Professor of Psychology and Brain Sciences, with a specialism in attention and cognitive control, opened with a definition of attention which helped ground our foundational knowledge of the subject. Attention, she explains, has a capacity limit which cannot be affected by what we do. Neurologically, Lavie held the option that technology couldn’t have an impact on its capacity, as attention is something biological with a genetic component. There are certainly different strategies that can help one focus, and there are some who are simply more susceptible to this ability, but we cannot create or generate more attention.

Cytowic similarly states that attention has a limited capacity, and cannot be altered by any level of exercise or lifestyle choice. He emphasises that one must approach the relationship between technology and attention through the consideration of energy cost. Digital applications promote media multitasking, which requires a high level of task switching and the spreading of one’s attention across a number of tasks. Cytowic explains that the average human brain, which accounts for 2% of the body’s mass, consumes 20% of the daily glucose consumed by a human [2]. To be energy efficient, the brain must use the least amount of cell signalling at one time, which although uses the least amount of energy, carries the most amount of information. Multitasking therefore consumes more energy, as our brains must increase signalling across an increased number of neurons. Every time we switch a task, our neural circuits must take a break, which can reduce brain efficiency by up to 50% [1].

The response to Cytowic’s research, sparked off a central debate to the discussion: is technology really the problem that is causing us to act in a certain way, or should we be blaming ourselves?

Lavie stated with conviction that we are responsible for our own actions, and just as we have the power to control ourselves with alcohol or sugar, we can do the same with technology. This draws upon the fact that technology doesn’t have the capacity to want to us to do anything, as it has no logic or direction of its own. Just as critical theorist Dale Carrico emphasises, there is no such thing as technology as something in its own right. It makes no sense to state whether one is ‘for’ or ‘against’ technology as there are many existing technologies advancing and stagnating at different rates [3]. Professor of Physics, Richard Jones, adds to this interpretation, and stresses that:

‘The agency belongs to the people who make technology and the people who use it. Technology doesn’t want anything, people do’ [4].

This is perhaps a mistake that I sometimes make myself, forgetting the generalisation that is easily assumed whilst describing the effects of our digital devices.

Vanessa Bartlett, UNSW researcher and curator, raised a similar point during the discussion about the language we were using, and that technology is not a thing in itself, but an infrastructure. If technology really is having an adverse affect on its user’s attention spans, whose interest does this fulfil? The ecosystem behind technology is built through forms of power, data and advertising, and it is these components that manipulate what we pay our attention to. Human behaviour is a key driver in the design of digital applications, because of the financial interest that is at stake. Perhaps our immersion in the attention economy stems from the marketing campaigns that lead our digital devices.

Btihaj Ajana, KCL lecturer in digital culture, held the opinion that we have a shared responsibility with technology, and that neither party is blameless. Digital technology as an application, is designed to frame the way the user acts. For example, Twitter only allows its users to write posts with a very short word count, and process posted information in small bites. If a particular social media happens to be the current dominant site for social interaction, its format will influence the way that we engage with each other.

Ajana also reflects upon the often cautious approach people feel against digital technology, and reminds us that our fears of modern technologies are historical and our anxieties aren’t new. If we were to look at patterns of behaviour in our relationship with technology, humans have historically feared modern tools before they are accepted as the norm. Plato once predicted that writing would one day weaken memory, causing us to ‘mistake the truth for its shadow’. In reality, Ajana reflects, writing has instead re-mediated memory. We have replaced mental arithmetic with calculators, hand-drawn maps with GPS systems, and even writing with the printing-press and the keyboard. At the centre of all these tools are their power in freeing the brain from their tasks, enabling room for us to carry out other forms of cognition.

Designer Ben Koslowski, who holds a PhD in Communication Design from the RCA, questions how bad distractions really are, as they help formulate new journeys of discovery. Through a traditional setting such as a library, Koslowski has previously found himself searching for a book, and coming across additional sources of interest along the way. After spending several more hours than expected, searching and reading, although Koslowski hadn’t event found the book he had been looking for, he had gained a far richer experience uncovering the unexpected information and unknown sources. This is no different from searching on one’s computers, and becoming distracted by related articles or tasks along the way. He also points out that in the busy, fast-paced information society, losing focus could be a refreshing break for an overactive mind.

Another argument put forward in the discussion stressed that it is the cultural expectation that drives the force behind the digital age. Many corporations now expect employees to take part in their digital health schemes, where the tracking and monitoring of staff physiological levels and exercise have become the norm. Ajana describes how opting out reflects negatively upon your career, as you’re at risk of no longer being seen as an active team player.

In China, they have introduced a new social scoring system, which plans to rank all of its citizens by their ‘social credit’ by 2020 [5]. Ajana describes how citizens will be ranked according to factors such as their use of internet, smoking habits or bad driving, and can be punished or rewarded depending on their score. The system is mostly run by city councils or private tech companies which hold personal data, and will penalise the individuals who decide to ‘opt out’. Ajana illustrates that what we perceive as a choice is slowly shrinking, and that before we know it, it will be an expectation.

Analogue alternatives are disappearing as their technological replacements become the accepted norm. Online banking has risen, resulting in many bank branches closing. The elderly generation, who until this point haven’t always needed the resources given by technology, are now being forced to learn and adapt, as their physical alternatives diminish. In contrast, the younger generation, who many describe as digital natives, have been brought up on this digital diet, and are well accustomed to a society where spending time on one’s smartphone is the accepted norm. In their case, not being on one’s phone could have serious implications relating to what they are missing out on. What do you lose when you don’t join?

The core essence needed to maintain these pressures of digital social presence lies in discipline. One audience member questions what it takes to decide what we assign our attention to. It’s not just the younger generation whose peers expect them to be online, this also exists within adults. Particularly for freelancers, who in a way, can never switch off the clock from their working hours, instant messaging has instilled a certain expectation in society, that we are always online, and therefore always available. At times, not answering an email can seem like putting yourself at risk of seeming disengaged.

This social expectation is another driver behind our constant immersion in the digital age, and another nudge towards a behaviour which can be easily distracted. What happens in the virtual realm will often influence what happens to us in the physical realm. The two are not separate, they are often inter-related.

Attention is part of an ecosystem that is economical, social, political and ethical, it is not purely about biology. Technology serves the purpose behind its maker’s intentions, which can also be measured through economical, social, political and ethical means. It is evident through the examples discussed, that we won’t always have the option to maintain complete control over our experiences with technology, as it’s evolving to become such an integral part of our health and professional life. With a future that will one day be reshaped by the minds and motives of our current digital natives, it may take some discipline to truly overcome the powers in control of attention, but it really is down to the individual to assess how they will direct and share their attention.

We must therefore consider in our behaviour with technology, what this relationship means to us and to the people behind it. Assessing an appropriate level of commitment and contact with our devices will help us maintain control, and put us in the driver’s seat over how we manage our attention. Although sometimes we might not have no option to ‘opt out’ of certain systems, we do have the discipline and power to choose what we assign our attention to, and should exercise this ability to help maintain a healthy relationship with our digital devices.

This essay is part of a series, examining the research evolved through the programme Cognitive Sensations. To read Fields of Perception, an essay exploring the impact of virtual reality and digital technology on the relationship between perception and the environment, please click here.

To listen to the audio recording of this talk, please click here.

References

1. Cytowic, R (2015) “Your Brain on Screens. The American Interest” Vol 10(6) June 9, 2015, [Available online]

2. Cytowic, R (2015) What percentage of your brain do you use? Ted Ed. [Available online]

3. Carrico, D (2013) Futurological Discourses and Posthuman Terrains. International Journal in Philosophy, Religion, Politics, and the Arts. Volume 8, No 2, Fall 2013 [Available online]

4. Jones, R (2016) Against Transhumanism: The delusion of technological transcendence. Soft Machines. [Available online].

5. Ma, A (2018) China has started ranking citizens with a creepy 'social credit' system — here's what you can do wrong, and the embarrassing, demeaning ways they can punish you. Business Insider. [Available Online]

#attention #cognition #technology #digital natives #Neuroscience

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theothershreya · 5 years ago

Text

Shreya’s Two Cents on the COVID-19 Pandemic

It seems like we tore a page off of a science fiction novel. And instead of getting a time machine that could potentially lead to alternative timelines, we took the slightly more dangerous route. The thirst for adventure is a never ending one. But why are we so greedy?

BATMAN: An Origin Story.

“Stay away from Chinese food. It has AJINOMOTO in it”

~ #Sanskaar from a Wise Elder

Legend has it that in late December of 2019, a man ate a bat that he bought from Wuhan’s wet animal market. And that inspired a chain of events which led to everyone being grounded for what felt like two decades. Enough time for everyone’s sleep schedules to get back on track. Or not.

If we really had a time machine, we could go back in time and prevent that particular young man with a palate for flying mammals from putting all of us at risk. But before we get to building that time machine, we need to know our enemy.

WORLD WIDE WET:

The kind of markets that sell exotic meats abound in China. In these wet markets, animals are slaughtered on customer demand. And let’s just say, it’s not really a happy farm in there. As the 2004 SARS and COVID-19 outbreak have already testified.

The animals brought for slaughtering are kept cooped up in cages, with very little to no breathing space, implying that their bodily fluids and excrement mixes into each other, making it a perfect breeding ground for contagious microbes.

And the sellers don’t discriminate against the species. Meaning that even rodents get to spend what’s left of their lives with the birds. It would only be natural, then, that the upmarket elites of China choose to distance themselves from this utter lack of hygiene. Right?

RONG. JUST LIKE WONG.

“I’m not racist, you’re racist.”

~Wu Tang Klansman

In 1988, the Chinese government exercised a law that encouraged the domestication and breeding of wildlife, meaning that if you hunted wildlife for food, the state had your back. This also led to endangered animals being poached illegally, supplied to the same wet markets as the farmed ones.

This gave rise to an industry worth more than 148 bn Yuan today. Although it contributes very little to the Chinese GDP, the industry has very strong lobbying capabilities. So much so, that certain endangered species like the tiger and the pangolin have been declared legal for sale.

The elite population of China amounts to more than 80% of the sales from these wet markets. The consumption of exotic, wild mammals as a delicacy has become a status symbol. It is this elite strata of society that creates a demand for exotic meats. And, having a strong Influenza on the government, manages to keep the wet markets up and running.

Countries around the world have called for a ban on these wet markets, to prevent such epidemic outbreaks in the future. Being hygienic is not a thing for the weak. It prevents diseases.

IT’S A ME-A! CORON-A!

World: So what do you want to eat today? Coronavirus: I don’t know, Italian?

Total: 1,83,957. Recovered: 51,600. Deaths: 24.648

Like any couple deciding on a honeymoon destination, Coronavirus picked Venice.

Well, technically, Lombardy first. Lombardy is the most populous, richest and most productive region in the country, meaning that a lot of lives were affected. Italy was quick to adopt preventative measures, quarantining and locking down almost all of the country into red zones and yellow zones. Even with one of the world’s best healthcare services, Italy was unable to cope up with the sheer number of cases of the people infected. Heartbreaking cases of senior citizens giving up their ventilators to prolong the life of younger people have come to light. To me, personally, Italy seems like a beacon of hope for humanity.

It’s not perfect, but they’re tackling it with all they have.

In all of Italy, 139 physicians have died since the beginning of the epidemic. Almost half of them were general practitioners.

Italy reported its second successive drop Tuesday in the number of current coronavirus cases as it neared a crucial decision on whether to extend its national lockdown.

EU! MONEY!

The pandemic provoked large economic damage to the Italian economy. Italy, Greece and Spain want to borrow money ,with Germany’s backing as a guarantor, so that investors would consider them less of a credit risk and demand lower interest rates, making it easier for those countries to continue to tap the bond market.

“We aren’t asking for a mutualization of debt, but the mutualization of the excessive risk of recession,”. For Germany and its northern allies, the idea is a nonstarter. Even as they’ve put in place massive rescue packages for their own populations, they’ve shown little willingness to help their southern neighbors. Though Italy insists it can pay back whatever it borrows and is only asking its eurozone partners to effectively co-sign its loans, not to foot the bill, many economists doubt it would be able to do so.

If the other members of the EU bloc do not help Italy, SPain and Greece, it could lead to a significant hampering of their relations, not to mention a very tortuous post pandemic recovery.

CLAPS! CANDLES! CORONA!

India. So many aspects to consider about your own country. Let’s start with stats. ‘Cause I love maths. 18,985 cases, 3,260 recoveries and 603 deaths.

Initially, I didn’t think the Coronavirus would affect us at all. Even as reports of Wuhan Virus were spreading, I was chilling out, blissfully unaware of the impending doom. When the CoronaVirus cases spread to Bangalore, mid March, is when things went down for real. We’re talking lockdowns, quarantines, people on tik-tok, people on Instagram nominating each other for meaningless challenges just so they can have some social interaction. The extroverts were losing it. The adults had to work from home. The graduates had to sleep, er, Study from home. Even the oil prices had sunk now, because there was too much supply and too little demand. The message was clear to most of us: STAY AT HOME AND SAVE THE WORLD.

And yet, there was a section of society far far away from ours, but very very close to ours, who, in times of a global crisis, chose anarchy over common sense. Let’s rant.

Doctors were attacked in Indore

Nurses and doctors in Mumbai were harassed by their neighbours

Citizens of Hyderabad were panic buying groceries. Guess their favourite GoT character. Thassright! HOARD-OR.

People played prison break with quarantine in Gujarat, Kerala, Punjab and Telangana.

Misinformation is spread about eating meat and various underlying reasons of the COVID-19 Outbreak owing to misuse of the popular messaging app, WhatsApp.

On the insistence of Narendra Modi, some people took the claps and candles movement into their streets, openly defying preventative social distancing measures

Wikipedia had to change editing criteria of their article on the 2020 pandemic, to stall the spread of misinformation

Farmers and daily wage labourers suffered major setbacks, even having to starve for days on end as they don’t have access to food, water and shelter.

All around the country, cops were being harassed for imposing the lockdown regulations. Some members of the radical group, Nihang, brutally cut off the hand of a policeman after being asked to stall.

Muslim gatherings organised by the Tablighi Jamaat has resulted in a large increase in COVID-19 cases, which has triggered Islamophobic reactions and increased communal tension. TJ is that one member of the group who irritates the teacher and makes the whole group get an F. When quarantined in the hospital, they were found to be misbehaving. They’re not helping their case.

Kota kids caught Corona. Give them some sunshine, give them some rain.

Prevalent misinformation also led to brutal lynching of three people in Maharashtra.

All of the above can be tied to misinformation and mob mentality. This impulsive behaviour has put all of us at a greater risk of COVID-19.

GOOOONE IN THE USA!

USA is now the leading country in the count of COVID-19 cases. And the number of Covidiots.

People from all over the country took to the streets to protest against the lockdown measures, proving once and for all, that the country is going through a rebellious phase, what with choosing Trump as its President just to annoy its sensible parents.

The sheer lack of responsibility is shocking.

HOPE FOR THE FUTURE

A vaccine is being developed in European countries. However, it may be a long time before it gets to a human testing phase. Bill and Melinda gates Foundation has already donated $250million into its research and development. An additional estimate of $2 billion will be required to finalise a cure.

CONCLUSION

This is an advisory issued in public interest.

We’re all in this together. Stay safe. Practice good hygiene. If you’re privileged enough to have good immunity, don’t ruin it for those who don’t by being a disease vector. This is probably not the best time to spread propaganda. Or diseases. Pick up a hobby. Finish that assignment your teacher asked you about last decade. Grow a beard. Get a life. Support people who may not have access to food and clean water. But, whenever you can, maintain 1 Amitabh Bacchan distance between yourself and other human beings. Seriously, when else will you get the chance to save the world from the comfort of your couch?

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fthbarlingtontx · 6 years ago

Link

Max Fha Loan Amount 2018

Contents

Fha loan limits

Borrower eligibility effect fha

Popular mortgage programs

Housing industry. fha

Fha rules. prospective home

The FHA maximum loan limits are applicable to FHA Title II Forward Mortgages insurance programs under the National Housing Act, and are effective for case numbers assigned on or after Jan. 1, 2018, and remain in effect through Dec. 31, 2018.

The max FHA loan limit for California will go up in 2018, due to significant home-price gains that occurred over the last year. California fha loan limits vary by county, because they are based on median home prices that are also regional in nature.

How Much Fha Loan Can I Get Approved For Much How Fha Loan I Can Can Get – FHA Lenders Near Me – FHA stands for the Federal Housing Administration, a Government agency created in 1934 by HUD, the U.S. Department of Housing and Use our fha loan calculator to see how much you qualify for. You can get approved for an fha mortgage loan with a 500-579 credit score with 10% down.

Additionally, the maximum loan amount for King County increased for 2017 from $540,500 to $592,250. Of course, this likely won’t have a significant impact, if any, for condo buyers. Seattle and the.

What is the FHA maximum loan amount with MIP? All FHA loans are subject to MIP. This means that the maximum loan amount with MIP will be the same as the 2018 FHA loan limits for your area. Does borrower eligibility effect fha loan limits? Yes, borrower eligibility may determine the exact amount that your lender is willing to allow you to finance.

Can I Get A Loan With A 580 Credit Score That means you’re a bigger risk, so loans will cost more and your options will be limited. Your primary low-credit-score mortgage option will be FHA, which sometimes give loans with credit scores as.Best Mortgage Companies For Fha Loans Credit Score For A Fha Loan FHA loans, backed by the federal housing administration, provide assistance to many first time home buyers with less than perfect credit. For people who want to get an FHA loan with only a 3.5% down payment, you will need to have at least a 580 credit score to be considered.What Is Fha Loan Requirements FHA Loan: Basics and Requirements: An FHA loan is a mortgage issued by federally qualified lenders and insured by the Federal Housing Administration (fha). fha loans are designed for low-to.What You Need To Qualify For A Fha Loan you can borrow up to 96.5% of the value of a home with an fha loan (meaning you’ll need to make a down payment of only 3.5%). You’ll need a credit score of at least 580 to qualify. If your credit.What Credit Score Do You Need For An Fha Loan Current Interest Rate On Fha Loans At the current average rate, you’ll pay $480.88 per month in principal and interest for every $100,000 you borrow. You can use Bankrate’s mortgage calculator to get a handle on what your monthly.The 30-year fixed rate FHA loan is one of the most popular mortgage programs for first-time homebuyers. The Federal Housing Authority program has some of the most flexible guidelines that help people with lower income and credit scores qualify, and it allows for down payments as low as 3.5%.

At NerdWallet. maximum loan amount is $25,000 on a single-family home; $12,000 per unit on a multifamily structure, up to a total of $60,000; $25,090 for a manufactured home on a foundation; and $7.

Also, it’s helpful to know the FHA loan limits, as follows. The FHA maximum loan amount for what the FHA deems "high-cost markets" is $679,650. The highest FHA loan you can get in what it calls a "low.

Where To Get An Fha Home Loan Apply For Fha Loan Texas Texas FHA loans and Texas fha loan limits. See all the requirements for FHA loans in Texas plus information on the HUD Homes program. The Federal Housing Administration (FHA) was founded during the Great Depression to support the housing industry. fha 203k Rates Today The FHA 203k loan is a "home construction" loan available in all 50 states.Fha Loan Costs To Buyer What Is An Fha Loan Mortgage If you’re willing to consider offers from buyers using FHA loans, here’s what you need to know. (photo: fstop123, Getty Images/iStockphoto) When selling your home, the goal is to get lots of strong.How To Apply For A Fha Loan With Bad Credit However, many of the options already discussed are also great home loans for single moms with bad credit. FHA loans, in particular, open the door to homeownership for borrowers with bad credit. To qualify for the lowest down payment of 3.5%, you’ll need a credit score of at least 580 – a score many conventional lenders won’t even lend to.The conventional mortgage guidelines permit the seller to pay 3% of the sales price toward the buyer’s closing costs when the down payment is less than 10%. For down payments of 10% – 24%, the seller can pay up to 6% of the sales price. For down payments of 25% or more, the seller can pay up to 9% of.Get Approved For A Fha Loan FHA loans can get approved with a 580, but the norm is a 620 or higher. I would work with a loan officer or broker with a lot of FHA experience, and still try to get the score up. Sometimes resolving unpaid debts is all it will take, and other times you need 90 days to 6 months after settling old bills.Fha Low Down Payment Mortgage Low down payments and low credit score requirements make FHA loans much more attractive than conventional mortgages. While this may be good news for some homeowners, real estate investors looking to.Get Approved For An Fha Loan What Is The Minimum Credit Score For Fha Loan Home buyers and refinancing owners alike frequently ask the question "What’s Better An FHA or Conventional Mortgage Loan?". Well it’s not so much. Usually it comes down to the home buyers credit.Using an FHA loan isn’t always so Fa-La-La-La-La. you are up a creek without a paddle. You can’t get FHA financing to by a condo in a community where the HOA approval status is not currently in the.

Beginning right now the best rates in Santa Cruz County will be available for loan amounts. FHA does not require borrowers to be first-time homebuyers. VA has not announced new loan limits for 2019.

The amount of money a home buyer may borrow using an FHA loan is limited by the fha rules. prospective home buyers should know the FHA loan limits for their area if they plan on using FHA insured.

How Do I Qualify For Fha Mortgage · How do First-Time Homebuyers Qualify for an FHA Loan? The FHA loan has the nickname first-time homebuyer’s loan.’ It’s not just for first-time homebuyers, but it can be a great way for those that have never owned a home or had a mortgage to get the financing that they need.

Historically, the FHA calculates any increases in the maximum claim amount for reverse mortgage loans based on 150% of this. In 2017 they were bumped to $636,150, and in 2018 to $679,650. Will the.

. loan submissions for FHA and VA files using 2018 loan limits. Forward mortgage limits for calendar year 2018 are effective for case numbers assigned on or after January 1, 2018. As The 2018 HECM.

https://ift.tt/2QpT56T

#Arlington first time home buyer #first time home buyer assistance Arlington #Arlington first time ho

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reneeacaseyfl · 6 years ago

Text

Fired for loving Tupac?: raceAhead

Being fired is a nightmare. Having your firing become a national news story, has got to be worse.

And yet, I can’t help but feel that 66-year-old Jerry Foxhoven, the now former director of Iowa’s Department of Human Services, won’t be trapped in a prison of seclusion for long.

Foxhoven, a man who presents as most white, middle-aged government bureaucrats tend to, is a known superfan of the rapper Tupac. As a result, his leadership habit was to pepper his emails with Tupac-inspired memes, lyrics, and pep talks.

After two years in his post, Foxhoven was abruptly asked to resign in June.

His last great act before the Iowa governor informed him that “they were going in another direction,” was to send a mass email to some 4,300 agency employees to recognize Father’s Day, Tupac’s upcoming birthday, and his own work anniversary.

The email included a picture of a smiling Tupac. “Pay no mind to those who talk behind your back,” he said, sharing a common Tupac meme. “It simply means that you are 2 steps ahead.” He also praised staffers, saying that it was “absolute honor to lead such a dedicated and committed group of people.”

“You are such a breath of fresh air, Jerry!” responded one staffer, according to NPR’s review of the emails:

“The hundreds of pages of emails reviewed by NPR show that by all accounts Foxhoven was widely admired by his staff and regularly took time to mentor subordinates. In one email he dispensed career advice, noting that he was inspired at the agency by the well-known Tupac song ‘Changes.’”

But at least one employee did complain, and Foxhoven fans worry that the hater triggered his abrupt dismissal.

“As the governor has said, a lot of factors contributed to the resignation of Jerry Foxhoven and now Gov. Reynolds is looking forward to taking DHS in a new direction,” a spokesperson for Gov. Kim Reynolds said.

Superfans are interesting people. As a boss, probably even more so.

Foxhoven regularly included Tupac in his communications. He played the rapper’s music on “Tupac Fridays” in the office, he assigned Tupac reading assignments for an ethics class he taught at Drake University. He even celebrated his own 65th birthday with Tupac themed baked goods including cookies decorated to say “Thug Life.”

Dude’s legit.

That said, it takes an unusual degree of privilege and position power to inflict your personal passion on everyone who reports to you.

Foxhoven himself is worried that he’d holla’d too much, telling NPR that he wonders if he had gotten his words of wisdom from Barry Manilow instead, things might not have gotten this krazy.

“I always try to assume the best of everybody, and I can’t imagine that [the governor] would base her decision on the Tupac incident,” he says. “If this is the reason, I’m really disappointed.”

But times goes on, and everybody grows.

Now, Foxhoven hopes that there are better dayz ahead and as a society we’ll start making changes.

“It’s important for us to break down those stereotypes: if you listen to rap music, you’re a criminal or dangerous. It’s not true at all,” he told NPR. He was particularly disturbed by a recent news story about a 17-year-old Arizona boy was stabbed for listening to rap music.

Foxhoven hopes in the future that his story will help in “having open discussions about race and what we have in common, instead of what separates us.”

On Point

House Democrats call for increased security for Rep. Ilhan Omar after Trump rally House members are calling for renewed security for freshman Rep. Ilhan Omar after President Trump whipped the crowd into a frenzy at his re-election rally last night in North Carolina—allowing them to chant “Send her back!” repeatedly. “It’s crystal clear to me that her life is in imminent danger,” said Rep. Bobby Rush (D-Ill.), a senior member of the Congressional Black Caucus. “He has threatened the safety of a member of Congress. That takes this to a whole different level.” Politico

After a week of protests in Puerto Rico, calls for the governor to resign For the fifth day in a row, Puerto Ricans are calling for Gov. Ricardo Rosselló to resign, following a leak of hundreds of pages of disturbing misogynistic and homophobic texts between Rosselló and his senior advisers. Singer Ricky Martin was among the high profile Puerto Ricans who marched to the governor’s mansion in San Juan; Lin-Manuel Miranda led a demonstration in New York calling on Rosselló to step down. News outlets are calling San Juan a “war zone.” Among the many disturbing messages, the governor’s chief financial officers joked about the piles of dead bodies after Hurricane Maria in 2017. The governor has apologized but refuses to leave. El Nuevo Dia has Spanish language coverage here, find compelling photos here. NPR

Death rates skyrocketed in communities awash with opioid pills A new database made public this week paints a stark picture of the opioid epidemic. In the seven years between 2006 and 2012 rural communities in West Virginia, Kentucky, and Virginia were flooded with a disproportionate share of oxycodone and hydrocodone pills via manufacturers, distributors, and pharmacies, an analysis by The Washington Post reveals. Thirteen of the affected counties had an opioid death rate more than eight times the national rate; seven of them were in West Virginia. Click through details about both the analysis and the damage that’s been done. Washington Post

The Ebola outbreak is now a global health emergency With 1,600 fatalities, it is now the second deadliest Ebola outbreak in history, playing out largely in a conflict zone in Democratic Republic of Congo. But now, a case has been confirmed in Goma, a city of two million people with a major international airport. The declaration was made by the World Health Organization, the fifth such declaration in history. While the risk of spread outside of DRC remains low, but officials are afraid that won’t last without immediate international intervention. “Now is the time for the international community to stand in solidarity with the people of DRC,” the director-general of WHO said during a press conference yesterday. CNN

On Background

Africa will be home to the next tech boom Africa is home to some of the world’s fastest growing economies, with increasingly vibrant cities and a large population of tech-savvy people under 25. This, says Omoju Miller, the head of machine learning at software development platform Github, is a recipe for breakthrough innovation. “We are the at edge of another kind of technology frontier, and this time around, it is not happening in San Francisco, it is taking place in Africa,” she said at Fortune’s Brainstorm Tech conference this week. The Lagos, Nigeria native recounted how she was able to access ridesharing and food delivery apps during a recent visit home, and how her rural relatives use mobile payments effortlessly. “This is going to radically change what the technology environment is going to look like.” Fortune

An advertising agency whose creative professionals have been or are currently incarcerated ConCreates was the brainchild of Vincent Bragg, who studied corporate and real estate law while he was incarcerated for five years on a drug sentence. He also co-founded a creative agency. ConCreates generates ideas via a crowdsourcing mechanism, putting out de facto RFPs into a network of 436 currently incarcerated and 319 formerly incarcerated people. “Our mission is to challenge the stigma of how society views people with a criminal history, as well as how people with a criminal history view themselves,” says Bragg. “If we’re able to show them they’re not just a bank robber, or not just a drug dealer, that they have creative potential, then we can show them an opportunity to take a new career path.” People are paid for every idea they put into the network, more as the idea develops. The network owns 10% of the company and shares in profits. Fast Company

Understanding white privilege Kevin Walker, President and CEO of Northwest Area Foundation, starts this heartfelt blog post with a prompt that was asked on a recent NWAF board retreat: “Share a reflection on a time that your identity—who you are—changed or informed a conversation in a way that was visible to you.” Walker, a white man, begins with a story he used to tell for laughs, a time when he was stopped, detained, and interrogated by the police near a peace garden, of all things. It was all a misunderstanding! He was even given a friendly feedback survey to rate the “detention” experience. Kind of kooky, right? He’s since learned that his colleagues of color are hassled like this all the time. “Because my identity, who I am, carries with it a lifetime of learned trust that the system will not attack me,” he writes. If he had been born into any other identity, that would not be true. Now, the story, “can be a way for me to own up to and talk about the white privilege that I’m enmeshed in every day.” Perfect for sharing. NWAF blog

Tamara El-Waylly helps produce raceAhead.

Quote

I see no changes, all I see is racist faces / Misplaced hate makes disgrace to races / We under, I wonder what it takes to make this / One better place, let’s erase the wasted / Take the evil out the people, they’ll be acting right / ‘Cause both Black and White are smoking crack tonight / And the only time we chill is when we kill each other /

—Tupac, from “Changes”

Credit: Source link

The post Fired for loving Tupac?: raceAhead appeared first on WeeklyReviewer.

from WeeklyReviewer https://weeklyreviewer.com/fired-for-loving-tupac-raceahead/?utm_source=rss&utm_medium=rss&utm_campaign=fired-for-loving-tupac-raceahead from WeeklyReviewer https://weeklyreviewer.tumblr.com/post/186395952292

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velmaemyers88 · 6 years ago

Text

Fired for loving Tupac?: raceAhead

Being fired is a nightmare. Having your firing become a national news story, has got to be worse.

And yet, I can’t help but feel that 66-year-old Jerry Foxhoven, the now former director of Iowa’s Department of Human Services, won’t be trapped in a prison of seclusion for long.

After two years in his post, Foxhoven was abruptly asked to resign in June.

“You are such a breath of fresh air, Jerry!” responded one staffer, according to NPR’s review of the emails:

But at least one employee did complain, and Foxhoven fans worry that the hater triggered his abrupt dismissal.

Superfans are interesting people. As a boss, probably even more so.

Dude’s legit.

That said, it takes an unusual degree of privilege and position power to inflict your personal passion on everyone who reports to you.

Foxhoven himself is worried that he’d holla’d too much, telling NPR that he wonders if he had gotten his words of wisdom from Barry Manilow instead, things might not have gotten this krazy.

But times goes on, and everybody grows.

Now, Foxhoven hopes that there are better dayz ahead and as a society we’ll start making changes.

Foxhoven hopes in the future that his story will help in “having open discussions about race and what we have in common, instead of what separates us.”

On Point

On Background

Tamara El-Waylly helps produce raceAhead.

Quote

—Tupac, from “Changes”

Credit: Source link

The post Fired for loving Tupac?: raceAhead appeared first on WeeklyReviewer.

0 notes

weeklyreviewer · 6 years ago

Text

Fired for loving Tupac?: raceAhead

Being fired is a nightmare. Having your firing become a national news story, has got to be worse.

And yet, I can’t help but feel that 66-year-old Jerry Foxhoven, the now former director of Iowa’s Department of Human Services, won’t be trapped in a prison of seclusion for long.

After two years in his post, Foxhoven was abruptly asked to resign in June.

“You are such a breath of fresh air, Jerry!” responded one staffer, according to NPR’s review of the emails:

But at least one employee did complain, and Foxhoven fans worry that the hater triggered his abrupt dismissal.

Superfans are interesting people. As a boss, probably even more so.

Dude’s legit.

That said, it takes an unusual degree of privilege and position power to inflict your personal passion on everyone who reports to you.

Foxhoven himself is worried that he’d holla’d too much, telling NPR that he wonders if he had gotten his words of wisdom from Barry Manilow instead, things might not have gotten this krazy.

But times goes on, and everybody grows.

Now, Foxhoven hopes that there are better dayz ahead and as a society we’ll start making changes.

Foxhoven hopes in the future that his story will help in “having open discussions about race and what we have in common, instead of what separates us.”

On Point

On Background

Tamara El-Waylly helps produce raceAhead.

Quote

—Tupac, from “Changes”

Credit: Source link

The post Fired for loving Tupac?: raceAhead appeared first on WeeklyReviewer.

from WeeklyReviewer https://weeklyreviewer.com/fired-for-loving-tupac-raceahead/?utm_source=rss&utm_medium=rss&utm_campaign=fired-for-loving-tupac-raceahead

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statsonlineassignhelp-blog · 7 years ago

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Foundations Interest Rate Credit Risk Assignment Homework Help

Interest Rate Risk is the risk that arises for bond owners from fluctuating interest rates. How much interest rate risk a bond has depends on how sensitive its price is to interest rate changes in the market. The sensitivity depends on two things, the bond's time to maturity, and the coupon rate of the bond. Interest rates vary widely. We at StatisticsOnlineAssignmentHelp.com feel glad to provide help to the students in need through various means. Interest Rate Risk Assignments & Project are usually confound and complex, and requires a deep understanding of the Foundations Interest Rate Credit Risk subject knowledge. Experts at StatisticsOnlineAssignmentHelp.com toil to guide the students in the Interest Rate Risk help in lucid, comprehensible & explicit way.

#foundations interest rate credit risk assignment helpfoundations interest rate credit risk assignment solutionneed help with foundations int

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arunbeniwal-blog · 6 years ago

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Dr Jatin Shah | Dr. Sapna Khare | Dr. Mohit R Saraogi | Elawoman

Dr Jatin Shah

Dr. Jatin P Shah is a profoundly experienced IVF Expert in Mumbai with an experience of more than 10 years. He holds over a time of expertise in Reproductive Medicine, Assisted Reproductive Technology, Intrauterine Insemination(IUI), High-risk pregnancy care, and so forth. He was dependably a top performer during his medicinal training and received numerous gold decorations for the equivalent. His capacity to analyze and take care of problems in IVF and ICSI programs in different laboratories has earned him the moniker of "IVF Commando".

Dr. Jatin P Shah has the one of a kind qualification of performing all IVF assignments including Ultrasonography, Oocyte Retrieval Surgery, IVF Embryology, and Embryo Transfer personally which reflects in the extraordinarily high achievement rates. He has a fantastic track record for accomplishing pregnancies in ladies in their late 40's and 50's, the most seasoned being a 57-year-elderly person. He has additionally been awarded numerous gold decorations and prestigious awards.

He received gold decorations during his ICSE, DGO, MD (Obstetrics and Gynecology) for exceeding expectations his examinations at the state and national dimensions. He was additionally in the media for effective IVF of twin girls born to Manisha and Milind Mhaiskar, a very acclaimed bureaucrat couple of Maharashtra. He is presently the Managing Director of Mumbai Fertility Clinic and IVF Center.

Mumbai Fertility Clinic and IVF Center is a notable infertility emergency clinic in Grant Road, Mumbai. The center performs progressed IVF and ICSI procedures in a comfortable, relaxed and lovely atmosphere. The center executes the most trend setting innovation and laboratory offices at par with international quality standards. The center has helped a large number of couples to consider with IVF related innovations over the previous 25 years.

Dr. Sapna Khare

Dr. Sapna Khare is a Gynecologist and Obstetrician, practicing currently in Goregaon, Mumbai. She has finished her MBBS from GRMC, Gwalior through All India Seat. She has completed her DNB in Gynecology and Obstetrics from Bokaro General Hospital. She likewise worked as Assistant Professor in Index Medical College Hospital and Research Center, Indore (MP). She has worked in Surya Child Care Hospital, Santacruz and as Associate Gynecologist in Masrani Hospital For Women and MIMAS in Andheri West.

She has an uncommon interest in High-Risk Obstetrics and Infertility Treatment. She provides total Ante-Natal and Post-Natal care. She advocates Normal Vaginal Deliveries and gives concentrated and comprehensive care through out the labor to her patients.Dr. Sapna Khare is a gynecologist and obstetrician finished her MBBS from GRMC Gwalior College, 2008. MD From Obstetrics and Gynecology - Bokaro General Hospital in the year 2014. She provides treatment services like Infertility Evaluation, Normal Vaginal Delivery (NVD), Fertility Treatment, and High Risk Pregnancy Care. She Has Awarded by Author of AIIMS MedEasy Book, Author of Kalam Book in 2017, 2015. Dr. Sapna Khare is practicing her expertise at Vivanta Hospital, Malad West Mumbai.

Dr. Mohit R Saraogi

Dr. Mohit Saraogi remains as a standout amongst the best fertility doctors in Mumbai. Dr. Mohit Saraogi is an infertility expert who spotlights on treating ladies and couples who are experiencing difficulty considering their child. He has gathered experience of more than 10 years in the field of infertility with IVF, ICSI, and surrogacy being his expertise. His great learning and experience in the field of fertility treatment made him a standout amongst the best IVF pros in Mumbai.

Dr. Mohit Saraogi finished his MBBS, MNAMS, MD and later exceeded expectations in association tests of ICOG in reproductive drug. After finishing his essential medicinal capability he moved toward becoming accomplished Fellow of College of Physicians and Surgeons from Seth G.S. Restorative College and King Edward Memorial Hospital, Mumbai. He likewise accomplished the Membership of Royal College of Obstetricians and Gynecologists from King Edward Memorial Hospital and Seth Gordhandas Sunderdas Medical College in 2010. He underwent training from the great group of doctors of JJ emergency clinic and later turned into the Former Assistant Professor.

He was additionally connected with reputed medical clinics in the state like K.E.M. Medical clinic and Genesis Fertility Clinic. Dr. Mohit R is additionally a Gold Medalist in both DGO and FCPS Post Graduate Exams In 2010. He received the Best IVF Specialist in 2019 and Patients Satisfaction and Excellence Award in 2018 at Ela Fertility Awards. He is likewise notable for his 8 distributions in international ordered journals and 5 productions in national journals. He has treated a large number of patients till date with a high rate of progress. He is registered in 2009030599 of Maharashtra Medical Council, 2009. Dr. Mohit is presently the Director of Saraogi Hospital and IRIS IVF Center. He additionally every so often visits Cloudnine Hospital at Malad West, Mumbai.

Saraogi Hospital and IRIS IVF Center is one of the best facilities for IVF in Mumbai. The center is known for providing total gynecological, endoscopic, obstetric and infertility treatments. Every one of the services are provided under one roof as the clinic has an immense office outfitted with best in class innovation.

Dr. Yashodhara Mhatre

As Someone who has overcome Fertility issues herself, she understands the emotions and agony of the infertile couples, who come to her.Humble, mild-mannered, delicate and appropriately a Fertility Physician, Dr Yashodhara, started various remarkable models for fertility treatments like, Zoi Fertility, Egg Donor India, Egg Freezing, SurrogacyIndia, and helped more than 800 couples from India and 2000 from everywhere throughout the World.She is a Gold Medalist, and received her Fertility Fellowship trainings in Singapore, Australia and Turkey.

Dr. Yashodhara Mhatre is among the best IVF and Infertility Specialists situated in Mumbai. She not just has the requisite information to address a diverse arrangement of wellbeing afflictions and conditions yet in addition to prevent them. She is had practical experience in IVF, IUI, ICSI, Fertility Evaluation, Frozen Embryo Transfers, Blastocyst Transfer, Egg Freezing, Male Fertility Treatments and Surrogacy. She is proficient in distinguishing, diagnosing and treating the various reproductive medical problems and problems related to the medicinal field. She finished her MBBS, MD and DGO from GS Medical College, Mumbai with top ranking results. She picked IVF as her area of specialization and earned her Fellowship in Reproductive Medicine from KKH, Singapore, 1999, IVF Observer in Adelaide IVF Australia in 1999 and Fellowship in IVF and Andrology at Antalya IVF Center, Turkey in 2006.

Dr. Yashodhara Mhatre is a very qualified infertility master and a member of the Clinical Fellow in Reproductive Medicine, Federation of Obstetrics and Gynecology Society of India (FOGSI) and Indian Society of Assisted Reproduction (ISAR). During the early days of her career, she received a couple of awards and recognition for her remarkable work in the field.

Dr. Sheetal Sawankar

Dr. Sheetal Sawankar is a Gynecology and Fertility expert in Juhu, Mumbai. She is had practical experience in Assisted Reproductive Technology (ART) including Frozen Embryo Transfer (FET), Intrauterine Insemination (IUI) and In Vitro Fertilization (IVF). She is likewise an expert in Minimally Invasive Surgeries, for example, Testicular/Epididymal Sperm Aspiration(TESA), Micro Epididymal Sperm Aspiration(MESA), Endoscopic Surgery.

She achieved her MBBS degree and pursued Master in Surgery(MS) in Reproductive Medicine. She finished her MS from Homerton University Hospital Foundation Trust from London, UK in 2010. Being a brilliant understudy, Dr. Sheetal Sawankar chose to do Diplomate of National Board(DNB) from International School of Medicine in Keil, Germany. She was a very enthusiastic and committed understudy which helped her become a Member of the National Academy of Medical Sciences(MNAMS) and Indian Medical Association (IMA). During her early years of practice, she received a membership award from Fellowship in Advanced Infertility and ART.

Dr. Mukesh Agrawal

Dr. Mukesh Agrawal finished his graduation from Seth GS Medical College and K.E.M Hospital Mumbai. After acquiring the necessary abilities in fertility the board at UK and Singapore he started his first venture New Hope Fertility and IVF Center route in 1998. He is credited to achieve the first fruitful IVF pregnancy of the western suburbs.

Apart from regularly refreshing his insight by going to national and international conferences, he has directed numerous CME and workshops of IUI, IVF training. He has been welcomed workforce in numerous conferences and discussions.Dr. Mukesh Agrawal is a skilled doctor in Mira Road East, Mumbai with immense expertise in infertility treatments. The doctor has the requisite learning and expertise in Intra-Uterine Insemination (IUI), IVF/ICSI, Male Infertility, Donor Egg/Embryo/Sperm, Test Tube Baby, Endoscopy, Surrogacy, Embryo Reduction and Blastocyst Transfer. She accomplished degrees in MBBS and MD in Obstetrics and Gynecology from the top universities in the country with phenomenal results. He pursued his trainings further and finished DNB in Obstetrics and Gynecology under Diploma National Board in1991. He additionally achieved a degree in DGO from College of Physicians and Surgeons Mumbai in 1990. Apart from regularly refreshing his insight by going to national and international conferences, he has led numerous CME and workshops of IUI, IVF training. He has been welcomed personnel in numerous conferences and talks.

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angrycollectordaze-me-blog · 6 years ago

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Essay代写：British banking after the subprime crisis

下面为大家整理一篇优秀的essay代写范文- British banking after the subprime crisis，供大家参考学习，这篇论文讨论了次贷危机后的英国银行业。2008年的次贷危机爆发后，英国的银行业受到了巨大的冲击，后来在英格兰银行的救市政策下，英国银行业进行了重新整合，但英国境内银行的存贷款业务在金融危机爆发后受到了储户信心下降的影响，多家银行出现了贷款违约或挤兑的现象，加之英国银行倚重同业拆借业务，银行资金的流动性遭受了严重损害。

As one of the countries with the most developed financial industry in history, British banking industry has profound capital and a long evolutionary process. With the reopening of the financial sector in 1986, the UK has re-implemented the mixed banking model, allowing Banks to provide comprehensive financial services including securities business. A bank holding group may operate a variety of businesses such as investment banking, commercial banking and retail banking at the same time and, in most cases, focus on the internal management of the bank. And the insurance business that bank group holds concurrently, basically be the insurance company of form of holding subsidiary runs relatively independent. The re-proposed mixed operation mode improves the capital turnover efficiency and profit margin to a certain extent and greatly promotes the development of the banking industry.

The structure of British banking is composed of three parts: the bank of England, local commercial Banks and overseas Banks. British commercial Banks are further divided into retail Banks, secondary Banks and other institutions that accept deposits and loans.

As the central bank, the bank of England takes the rediscount rate as the main adjustment means to supervise financial institutions according to law. Interest rate liberalization has been implemented in the UK, and the reserve requirement ratio is no longer the bank of England's macro-control means.

British commercial Banks are all joint-stock companies based on private ownership. Their businesses are diversified, including traditional deposits and loans, domestic and foreign capital transfer services, professional services, such as investment, insurance and agency services, and special financing services.

The banking industry in the UK also includes a kind of financial companies mainly engaged in deposit and loan business and foreign exchange business. Their main target customers are consumer groups, aiming to provide consumer credit for consumer groups. Some financial companies also operate housing loans. Although the word "bank" does not appear in the name of this kind of "bank", its main business actually belongs to the business scope of commercial Banks.

After the outbreak of the financial crisis in 2008, the impacted British banking industry underwent significant changes. Under the bank of England's bailout policy, the British banking industry was re-integrated. After the outbreak of the financial crisis, the deposit and loan business of British Banks was affected by the decline of depositors' confidence. A number of Banks defaulted on their loans or ran on them. In addition, British Banks relied heavily on inter-bank lending business, which seriously damaged the liquidity of bank funds.

On October 5, 2008, the ftse 100 suffered its biggest one-day fall since 1987, with Banks bearing the brunt. The British government announced that it would inject capital directly into the eight major British banking groups instead of buying bad assets to help the banking sector. The move is aimed at boosting the capital of Banks in a short time to resist the impact of the financial crisis. The bank of England will provide an additional 200 billion pounds in short-term loans to eight Banks as part of the government's rescue plan to help them get their money flowing again.

During the financial crisis, the British government bought a 100% stake in Northern Rock, which suffered a run on the bank. Royal Bank of Scotland and Lloyds Bank, whose business conditions deteriorated sharply, were acquired by the government in 83% and 41% respectively, which cost a huge sum of money. The government's capital injection has promoted the nationalization of bank shares and bank holding groups' assistance to other financial institutions, but the main method is acquisition. The two banking groups remain in the red after lloyds bought hbos and royal bank of Scotland joined abn amro.

Since the financial crisis, Banks generally facing the shortage of capital situation, the Basel Ⅲ under the pressure, the several major Banks have chosen to adopt strategies for the main business, under the environment of mixed management still choose contraction front even scale, major is good at business. HSBC group exited the insurance industry in 2009 and sold its stake in ping an in 2012-13 for $9.4 billion. In addition, HSBC group in 2012 disposed of a total of 26 shares not closely related to the main business, in order to focus on the banking business. Royal bank of Scotland and lloyds because in 2008 the government capital injection to state-owned Banks, in the next few years also adopted the policy contraction, the intention by cutting branches downsizing, in order to meet the more stringent capital requirements, and the two Banks as a local bank group, after the financial crisis, focus more on the development of its domestic business and management.

In 2009, the British government enacted the banking act of 2009, the most important act after the financial crisis. As part of the strategy of the financial crisis, the enactment of this law has achieved some innovations. The act established a regulatory regime for systemic risk, a "special resolution regime" for failing Banks, rules specifically applied to bank failures, and strengthened protections for financial consumers.

In 2012, UK regulators reduced trading risk by requiring all traders in financial products to trade in one market rather than across different product markets. In order to improve the transparency and strengthen the supervision of financial derivatives, the British regulatory authorities once proposed to include derivatives trading in the exchange, but the long-established trading habits of the derivatives market and the difference between the on-site and off-site trading cannot be realized in the short term.

With the outbreak of the financial crisis, various governments issued different response measures, which stabilized the economic level to the greatest extent and laid the foundation for economic recovery. Empirical results show that the impact of government governance on the response to the financial crisis should not be underestimated. Although financial reform cannot completely prevent the occurrence of financial crisis, the financial reform indicators of various countries have a significant impact on the financial system structure after the crisis and play an important role in the recovery of the financial system structure after the crisis.

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fnewstoday · 6 years ago

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Guide To Building Up A Good Credit For College Students

Building a good credit is essential for a prosperous financial future. To buy a house or make other large purchases you will need a good credit. To borrowers with a high credit score, lenders approve loans willing to provide more favorable credit conditions. When you are a college student, you are only at the beginning of this path, or you do not have a credit history at all. In the latter case, you are one of almost 15% of Americans who do not have a credit rating, most of whom are young people. If you are still young, then it may seem like you have a lot of time, but building a good credit is not a matter of one day, since one of the parameters affecting is the length of a successful credit history. To understand how to build great credit for a college student, read this credit building guide. Why do you need a credit rating? A credit rating is an assessment of the credit behavior of each borrower, which helps lenders to determine the degree of risk, when considering an application from borrowers. It is expressed in numbers in the form of credit points. Credit scores are added or subtracted depending on the length of the credit history, the timely payment, the total amount of debt, the number of loans, the balance of credit cards and other variables. The range of credit scores vary from 300 to 850 points. The greater the number, the better credit, the less risky borrower you will be considered, the better conditions lenders will be able to offer. How a college student can build a credit College time is great for laying the foundations of your successful financial future with excellent opportunities. To do this, you do not have to specifically break away from the educational process or fun student life after class.

ways-to-build-a-good-credit-rating We suggest that you familiarize yourself with several ways to build a good credit rating that are available to college students. Choose the right loans Most college students need financial support during their studies, so two thirds of those who graduated from college in the US took a student loans. It is worth paying attention to federal interest-free loans for students. Taking such a loan, you do not have to pay interest, which will greatly facilitate your loan repayment and reduce the likelihood of delaying payments. Timely and fully fulfilling your credit obligations during several years of study will have a great positive effect on your credit rating. This can be a great start for you. Authorized user of credit card You can become the credit card authorized user of your parents or other family members who are responsible for their finances and want to help you. As an Authorized User, you will receive an addition to your credit scores, as well as the main owner of the credit card you are signed up to, providing you both to make payments in a timely manner. Get a credit card Credit cards are a great tool for building your credit. They have many additional benefits, rewards and various bonuses. But many people do not know how to hold back during shopping and they strive to spend significantly, than they can afford. This behavior leads to cost overruns, an increase in balance and the inability to repay the debt on time. In addition to increasing debt, this entails a decrease in credit score. It is therefore worth getting a credit card when you are sure that you can control the flow of money. Pay bills on time The way you pay most of your regular monthly bills is taken into account by credit bureaus when assigning points to you. Therefore, a responsible attitude towards all of your obligations, not just credit, will affect your credit rating. Cultivate the right credit behavior When you get into the habit of paying your bills on time, avoiding late payments on loans, maintaining a small balance on credit cards, you will lay a solid foundation for a great loan. It is also worth considering that opening a large number of credit cards negatively affects your credit score, so you should not run several new cards at once. Also you should not close old credit cards, because this will make your credit history shorter. Do not act as loan co-signer for your friends For people with insufficient credit score or an absent credit history, a co-signer may be needed to obtain a loan. You may want to help your friends, but by acting as a co-signer, you risk your credit, which is still not too strong. If your friend for whom you vouched does not pay his loan on time, this will immediately affect your credit score. Check out the result of your credit behavior You can request a free credit report from one of the US credit bureaus, according to federal law. Also, some services and credit cards can inform you about changes in your credit score for free, which is very convenient for tracking the status of your credit. This will help not to miss anything important that may occur with your credit. In conclusion Now you know what options you have as a college student to build a good credit. College time is probably the best time to do this, so do not miss this great opportunity. You can search and select the most appropriate loan options to start your credit history. You can start with a credit card for a small financial support, or with a student loan. To make the right choice of financial instrument to build your credit, you can find a lot of useful information in our financial blog. You can also apply for a loan on our website and get offers immediately from different lenders. If you have any questions regarding the choice of a specific proposal, you can write to us and get advice from our experts. Read the full article

#CollegeStudentLoans #FinancialAssistance #StudentLoans

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