Submitted by: Arawind Sharma
Whether you have a retail electronics shop in Aurangabad or if you own a small-scale business, you’ll always be need of some immediate funds. These would be for something as simple as buying a new printer for your shop or maybe even to payout bonuses to your employees. Whatever the type of your business, you frequently need money for many purposes. Many financial institutions are now opening the doors to easy finance for the self-employed. A personal loan is a blessing in disguise for such immediate requirements. But, how do you get a personal loan easily in Aurangabad?
Loans for the Self-Employed:
Even if you just own a small stationery shop, there are now many options available to you. You can even get upto Rs. 20,00,000 without providing a security, provided you have a good credit rating, your business is doing well, your finances are in order and you have a good income.
Search for Personal Loans Online:
Go online and access financial websites. Search for personal loans for self-employed. You will be asked to fill out certain details like your age, occupation, and annual income. Get a list of matching offers and pick the one you like best. Apply for personal loan online in Aurangabad.
Basic Requirements:
To apply for a personal loan in Aurangabad:
a.)You have to be an Indian citizen of at least 21 years of age. Some banks have a higher age requirement, be sure to check.
.)You also need to prove that you have been in the same business for at least the past 3 years.
c.)You should have a dedicated phone connection for the office, either landline or mobile.
Documents Checklist:
You have to provide the basic Know Your Customer (KYC) Documents first. If you are applying for a personal loan at the bank where you have your personal or business account, they probably have these documents with them.
The KYC documents are the documents needed to provide proof of identity, age, and address. These can include your PAN card, Voter ID, Ration Card, Bank Passbook, Drivers License, and Utility Bills. For the self-employed, proof of office address and business existence are also required.
You can submit your rental/lease agreement if you rent the premises, or you can submit proof of ownership of the office premises. You also have to submit your business registration certificate, tax certificates, and your license under the Shops & Establishments Act.
For Income Proof:
To provide income proof to the lender, you need to submit your past six months bank statement for your business and personal accounts. You also have to submit audited balance sheets and profit and loss statements for the past three years, in addition to your IT returns.
If you have other sources of income like rental income, income from investments etc, you can provide proofs for these too, to increase the chances of loan approval. The minimum income or minimum salary required to get a personal loan is not constant, it varies according to the lender.
Loan Approval:
The loan approval process includes verifying all your documents and also a check of your credit records. Banks and NBFCs can get your credit history and report from credit rating agencies. These help the lenders assess whether you are a trustworthy borrower and will repay your loan on time.
If you have a good income, a steady and established business, and a good credit record, instant personal loan in Aurangabad is possible. Your loan amount could be sanctioned within a few days.
About the Author: Arwind Sharma is a financial advisor with an experience of more than 7 years. He has worked for topmost financial firms in India and has been a visiting faculty at many reputed institutes in India. Currently based in Pune, Arwind Sharma is a name to reckon with when it comes to financial management for big brands. A post-graduate in business economics, he is an alumni of Princeton University, USA. During his free time, Arwind teaches children from marginalised sections of society and also work on his blog.
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Wednesday, March 9, 2005File:Plastic bag stock sized.jpg
They are cheap, useful, and very plentiful, and that is exactly the problem, according to researchers. A report issued on Feb. 23 by a cadre of environment and economics researchers suggested that Kenya should ban the common plastic bag that one gets at the checkout counter of grocery stores, and place a levy on other plastic bags, all to combat the country’s environmental problems stemming from the bags’ popularity.
Thursday, November 8, 2007
What you are about to read is an American life as lived by renowned author Edmund White. His life has been a crossroads, the fulcrum of high-brow Classicism and low-brow Brett Easton Ellisism. It is not for the faint. He has been the toast of the literary elite in New York, London and Paris, befriending artistic luminaries such as Salman Rushdie and Sir Ian McKellen while writing about a family where he was jealous his sister was having sex with his father as he fought off his mother’s amorous pursuit.
The fact is, Edmund White exists. His life exists. To the casual reader, they may find it disquieting that someone like his father existed in 1950’s America and that White’s work is the progeny of his intimate effort to understand his own experience.
Wikinews reporter David Shankbone understood that an interview with Edmund White, who is professor of creative writing at Princeton University, who wrote the seminal biography of Jean Genet, and who no longer can keep track of how many sex partners he has encountered, meant nothing would be off limits. Nothing was. Late in the interview they were joined by his partner Michael Caroll, who discussed White’s enduring feud with influential writer and activist Larry Kramer.
Solid Advice All College Students Need To Know
by
Barone Hudson
Even the very idea of taking college courses is enough to send some people into a tailspin. If you\’re feeling unsure about the next steps, you\’ll find a bevy of solutions and ideas in this article. Read on for inspiration that will help you to set, meet and surpass your goals!
When you are getting ready to go to college you should make a list of things that you need to take with you. Being prepared will make your experience much easier. This is especially true when attending a college that is far away.
Carry a water bottle with you to school. It is vital that you drink enough water. This is very important if you\’re going to a lot of classes in a row and aren\’t able to get a meal in. Constantly drinking water is a great way to help you remain focused throughout the day. The sheer number of water fountains these days allow more ease in refilling water bottles.
Prior to the day that classes begin, become familiar with your schedule as well as the location of your classes. Check how long it requires to get to each class, and arrange the route accordingly. Also locate other important places that you will be using a lot and mark them on your map.
Your environment may make a difference in whether or not your studying is successful. As far as locations go, a dorm room probably won\’t be your best bet. It is much better to find a study area that is completely quiet and free of all interruptions. A library will always be your best bet. Get some noise-cancelling headphones if you need to.
Eat breakfast when you have a test. Something small like fruit or yogurt can suffice. Many times, an empty stomach can be distracting to you and those around you. Low energy and a growling tummy can really affect your test performance, so make sure to eat well for focus and energy.
If you are attending a college in another state, or if you are going to live in the dorms, think twice before bring your car. In busy college towns, it can be hard to find a place to park. This can also bring in heavy costs related to insurance, gas and other vehicle related expenses. This can be difficult if working is not an option.
Always be aware of the phone number or extension needed to quickly contact campus security. There should be a really easy way to get in touch with campus security and campus police, so make sure you know how to reach them. You might never need to call campus security, but you will be glad you memorized the number if you ever need help.
Always pay the balance of your credit card. If you carry a balance, the interest and late fees add up quickly. Only use credit cards in case of emergencies. Credit cards can be tempting because they are so easy to use, but remember how hard they are to pay off. Debt can cause you to lose focus.
Program the number for campus security into your phone. You can call campus security if you need a ride home, if someone is bothering you or if you are hurt. With any luck, you will never use the number, but it\’s always best to prepare for the worst.
Are you more comfortable about school now? You are not the only one. In any given year, there are a wide variety of students either returning to school or just beginning their experience. Don\’t fear! A little dedication and hard work will result in your educational success.
read this is frequently baffling for individuals, but whenever you preserve these kinds of steps and inspiring ideas in your mind, it shouldn\’t be too rigorous for you to figure it out. When you would like wonderful outcomes, you need to focus on only one idea at a time rather than aim to do many things all in a single go. Not only is the information you gather necessary, how you put it to work for yourself is just as crucial.
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Monday, September 7, 2015
The US economy added 173,000 jobs in August, the Bureau of Labor Statistics reported on Friday. The unemployment rate fell from 5.3 to 5.1 percent, the lowest since April 2008.
Although August job gains were lower than most economists forecast, job growth numbers for June and July were revised upwards by a combined 44,000. Average job gains over the past three months stand at 221,000, compared to March-May’s 189,000 monthly average. Over the past twelve months, job growth has averaged 247,000 per month.
Average hourly earnings rose 0.3 percent, or 8 cents, marking the largest increase in earnings in seven months. Hourly earnings had risen by 6 cents in July. Wages have risen by 2.2 percent over the past year.
Job growth in August was primarily concentrated in the health care and social assistance, financial activities, and professional and business services sectors. Those three areas of the economy added a combined 108,000 jobs. Food service and drinking places employment increased by 26,000 over the month, and other economic sectors saw employment hold steady. Manufacturing, on the other hand, saw employment decline by 17,000 in August. A stronger dollar and worldwide economic weakness make US exports less desirable, leading to a flattening in manufacturing employment so far this year after steadily rising in the early years of the US economic recovery.
The solid overall job gains led analysts to slightly raise expectations for a decision by the Federal Reserve to raise interest rates this month. Investors raised the likelihood of a September rate increase from 26 percent before the jobs report to 30 percent, and stocks dropped by over one percent on Friday. “The payrolls data is certainly good enough to allow for a Fed rate hike in September,” said Deutsche Bank’s head of currency strategy, Alan Ruskin. “The big question is still whether financial market volatility will scupper the plans.”
“This is the first time the market has looked at a Fed meeting and really has no idea what the Fed is going to do,” said Mark Kepner, a New Jersey equity trader with Themis Trading. “Right now you’re looking at the overall uncertainty and that’s what’s hanging on the market. I don’t think this number in and of itself changes how somebody’s going to vote.”
Thursday, July 1, 2010
| Never again, never again should Wall Street greed bring such suffering to our country. | ||
The US House of Representatives passed a significant overhaul of financial regulations that strengthens the government’s hold on banks and also creates a new federal agency to oversee consumer lending on Wednesday.
“Never again, never again should Wall Street greed bring such suffering to our country,” said House Majority Leader Steny Hoyer, D-MD after the bill was passed by the House.
The House vote, which was mainly split over party lines, had 237 representatives in favor and 192 opposed. Only three Republicans voted for the bill, though this was an increase from December, when no Republicans voted for the previous version of the bill. This new bill combines the old December bill with a newer one passed by the more conservative Senate last month.
But even though the Senate passed their bill already, support for the one passed Wednesday looks a little uncertain. Since earlier this year the Democrats lost their 60 vote filibuster majority, they had to secure the votes of a few more moderate Republican senators to beat back procedural hurdles. Democrats struggled to win the full support of these senators even after backing down on a US$19 billion tax on big banks and hedge funds, which had been opposed by Republicans. This group of senators includes Scott Brown, Olympia Snowe and Susan Collins. All three voted for the Senate bill last month.
The $19 billion tax was inserted in the 2000 page plus bill late last week, which came as a surprise to many large banks. Brown initially objected to the tax, and threatened to vote against the entire bill if the tax was not removed. Instead, the new way of financing the bill’s cost will be using $11 billion in cash that came from ending the Troubled Asset Relief Program (TARP), a bill passed in 2008 that bailed out struggling banks, and also by increasing rates that banks pay to insure bank deposits to the Federal Deposit Insurance Corp. However, the increase in rates won’t affect banks with assets of less then $10 billion.
On Wednesday, Collins wrote a statement saying that she now planned to vote for the bill. However, Brown remained on the fence and said he would use recess during the week of July 4th to examine the details of the bill. He credited Senate Banking Committee Chairman Chris Dodd for “thinking outside the box” in coming with a new way to fund the bill.
Other Republicans were much more opposed to the bill, and attacked it for failing to place tighter restrictions on Fannie Mae and Freddie Mac, the mortgage giants that helped trigger the economic and housing meltdowns. House Republican leader John Boehner compared the new bill to using a nuclear weapon on an ant. In response, President Barack Obama said in a speech in Racine, Wisconsin that “[i]f the Republican leader is that out of touch with the struggles facing the American people, he should come here to Racine and ask people if they think the financial crisis was an ant.”
Sunday, August 21, 2005
A robotic system at Stanford Medical Center was used to perform a laparoscopic gastric bypass surgery successfully with a theoretically similar rate of complications to that seen in standard operations. However, as there were only 10 people in the experimental group (and another 10 in the control group), this is not a statistically significant sample.
If this surgical procedure is as successful in large-scale studies, it may lead the way for the use of robotic surgery in even more delicate procedures, such as heart surgery. Note that this is not a fully automated system, as a human doctor controls the operation via remote control. Laparoscopic gastric bypass surgery is a treatment for obesity.
There were concerns that doctors, in the future, might only be trained in the remote control procedure. Ronald G. Latimer, M.D., of Santa Barbara, CA, warned “The fact that surgeons may have to open the patient or might actually need to revert to standard laparoscopic techniques demands that this basic training be a requirement before a robot is purchased. Robots do malfunction, so a backup system is imperative. We should not be seduced to buy this instrument to train surgeons if they are not able to do the primary operations themselves.”
There are precedents for just such a problem occurring. A previous “new technology”, the electrocardiogram (ECG), has lead to a lack of basic education on the older technology, the stethoscope. As a result, many heart conditions now go undiagnosed, especially in children and others who rarely undergo an ECG procedure.
Secured loans for homeowners: A secured monetary solution
by
Kenneth Robert
Secured loans for homeowners is one of the most convenient ways of receiving good financial assistance in hard times of monetary crunches. The borrower is required to put his or her home as the security asset against the demand of the loan. Moreover, the applicant retains all the rights of utilizing this property even during the repayment period. It is only that if you fail to make the regular payback installments, the lender can take the possession over the collateral. However, in most of the cases the repayment tenure attached to this loan is easily manageable and thus, the chances of exchanging possessions are relatively negligible.
Every finance institution is widely dealing in the business of secured loans for homeowners. In fact, this loan scheme is also very beneficial for lenders as they do not have to face any sort of risk with the lending amount. Moreover, even the applicants get freedom from wondering around in the finance market in search of a decent loan deal that has previsions to settle all their urgent as well as luxurious demands. The loan amount of secured loans for homeowners can be used for any sort of purpose including buying your new car, clearing your debts, paying medical bills and other such expenses. In addition to this, you also get to enjoy the very economic facility of paying low rate of interest. As the borrower has already paid the collateral, he is viable to receive some leniency with the interest rate. Another lucrative feature available with secured loans for homeowners is its restriction free character and less complicated mechanism. Moreover, the most troublesome clause of bad credit record can also be ignored in the option of this loan plan. Lenders usually do not pay much heed to the credit check as they are economically satisfied with the presence of offered collateral. The security of collateral is much higher than that offered by the credit record because lenders can enjoy the facility of retrieving the entire loan amount at any point of time through the source of property. Hence, the option of secured loans for homeowners is a definite alternative to re-mortgaging the property. So, if your are tensed because of your poor credit history due to unavoidable reasons such as CCJs, IVAs, defaults and arrears then simply relax and immediately opt for this most beneficial loan plan. The source of Internet has eased out the entire process of applying for securing loans right from your home and office. Many online websites are now offering the service of drafting direct application form for secured loans for homeowners. You just have to browse through the web and search for reliable websites and registered online servers. You can also get an access to the personal site of your preferred money lending agency. Once you get on the site, click on the option of application form and download it. Fill it up with the mandatory requirements of personal information and employment status along with the statements and documents regarding your offered property. After submission, it is entirely the executive’s duty to revert back and start with the procedure of verification and documentation.
Kenneth Robert is an expert financial advisor therefore he can tell you how to look better, live better and breathe better by giving you tips to improve your finances. To know more about
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Monday, September 24, 2007
Marion Schaffer is running for the Green Party of Ontario in the Ontario provincial election, in the Oakville riding. Wikinews’ Nick Moreau interviewed her regarding her values, her experience, and her campaign.
Stay tuned for further interviews; every candidate from every party is eligible, and will be contacted. Expect interviews from Liberals, Progressive Conservatives, New Democratic Party members, Ontario Greens, as well as members from the Family Coalition, Freedom, Communist, Libertarian, and Confederation of Regions parties, as well as independents.
A large number of dogs exhibit calm, agreeablebehavior on a regular basis, although certain dogs are known for theirhostile, protective personality, and are thus utilized as securityanimals. In order to address the differences in personality, as well asthe differences in food, physical, and health needs of the various dogbreeds, online dog training must make accommodations to meet eachbreeds individual requirements. Training Procedures Prior to beginning any training program, you should conduct the necessary research, to ensure that the chosen program will work well for your home and your dog. Thousands of dogs are placed in dog pounds annually since owners didn’t learn all there is to know about training their animal. Online training isn’t for everyone, as you won’t have one on one instruction to make sure you’re not harming the dog with improper methods, but with care you can properly train your dog while saving money. It’s important to research your dog’s breed, as different dogs will learn at different speeds. Needs for Healthcare You can ensure the continued health of your pet by having it checked out by a vet before and after you begin training, as the dog may have underlying health issues that could be exacerbated by certain kinds of training. It is vital to visit your veterinarian regularly, as genetic health conditions can show up at any time, and purebred dogs are especially susceptible to these disorders that can be passed down. Along with online dog training, you should ensure that your dog remains physically healthy and at an appropriate weight, through regular veterinary consultations and exercise. Necessities for Training In order to guarantee that you raise a dog that is well trained as a house pet, online dog training should begin in the puppy stage, this is even more critical if it is obedience training. A dog that has not been trained how to behave properly in the home, is more likely to be destructive, or become injured, because they don’t know any better. It’s common for dogs to exhibit behaviors such as getting underfoot or jumping up, which can end up causing harm to either the dog or the owner if the owner isn’t paying attention. Training your dog early on in his life teaches him proper etiquette and enables him to be a house dog that is part of the family. A dissatisfied dog can be taught to avoid damaging behavior through correct training methods. Even though extra effort is sometimes required when utilizing online dog training, you’re often able to save money while still enjoying the same end results of a pleasant, well adjusted pet that behaves itself and you can be proud to show off to your friends. Learn more at: Normal 0 14 false false false MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable{mso-style-name:”Tabella normale”;mso-tstyle-rowband-size:0;mso-tstyle-colband-size:0;mso-style-noshow:yes;mso-style-parent:””;mso-padding-alt:0cm 5.4pt 0cm 5.4pt;mso-para-margin:0cm;mso-para-margin-bottom:.0001pt;mso-pagination:widow-orphan;font-size:10.0pt;font-family:”Times New Roman”;mso-ansi-language:#0400;mso-fareast-language:#0400;mso-bidi-language:#0400;}
Dog Online Training