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Add Electronic signature Form Safe. Check out one of the most customer-pleasant experience with airSlate SignNow. Manage your entire papers finalizing and sharing system digitally. Go from handheld, papers-dependent and erroneous workflows to automatic, electronic digital and perfect. It is simple to make, produce and indicator any papers on any system anywhere. Ensure your crucial company circumstances don't slip overboard.
See how to Add Electronic signature Form Safe. Adhere to the simple information to get started:
- Create your airSlate SignNow profile in clicks or sign in with your Facebook or Google profile.
- Take advantage of the 30-working day free trial offer or go with a pricing prepare that's excellent for you.
- Locate any legitimate template, create on the internet fillable forms and talk about them securely.
- Use advanced capabilities to Add Electronic signature Form Safe.
- Signal, modify putting your signature on purchase and gather in-particular person signatures 10 times quicker.
- Set auto reminders and receive notifications at each and every step.
Transferring your tasks into airSlate SignNow is easy. What comes after is a simple approach to Add Electronic signature Form Safe, along with tips to maintain your co-workers and associates for better alliance. Empower your staff together with the greatest instruments to keep on top of company processes. Enhance output and size your company faster.
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FAQs
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What's the point of signatures if they're so easy to forge?
Hello,It is true that signatures are relatively easy to forge.This is why today most important contracts are signed in presence of witnesses or in front of a notary, so that in case of litigation there would be additional proof.Alternatively, electronic signature tools have emerged in the last couple of years as the go-to solution for signatures that are as quick and easy as a wet signature, but as secure as a signNowd one, thanks to things like double authentication (like when you login with your bank) and the tracking of metadata and timestamps that prove your identity as the signee.For more information, you can read what I wrote on signNow’s website: Electronic signature: sign your documents online • signNowI hope this helps!
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What is the best alternative to SignNow?
In a world of mobile app and the internet, why are you still collecting signatures on paper? Chasing people for signatures is slow and paper can get lost. SignNow lets you collect signatures and forms quickly and easily from any device. Use of esign app for electronic signatures is 100% safe and legal.There are 2 best alternatives to SignNow -eSignly - eSignly is an electronic signature solution that makes signing simple and fast. You only need to follow 3 steps and you are done -Choose DocumentAdd the name of all the people involved.Drag your signature and drop it where you need and click send.Features provided by eSingly are -In-person signing - Use an electronic signature app on your iPad to take the signatures.Security - All the electronic documents are protected by SSL encryption.Status Notifications - are sent when the document is reviewed.Audit Trail - Record of each party like name, address, IP address is maintained according to the date and time of the activity occurred.Instant verification is done by eSingly to validate the document.It supports all the devices such as Android, MAC, Windows, Linux, Mobile app, windows phone, etc.It works with applications like Dropbox, OneDrive, EverNote, Google Drive, etc.signNow - signNow Basic is the e-signature solution that allows you to easily sign a full range of documents and forms online without installation of any software. it also provides the digital signature app.Key Features of signNow are -It is secure and completely reliable.It offers 24/7 document control.To brand your user’s experience you can add your logo and color palette.Offers services to small, medium and large size enterprises.It also provides the mobile Signature feature.
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What's a safe website for fast cash loans?
Times can be tough, but that doesn’t mean you should settle for just any short-term loan you can find. Payday loans and installment loans aren’t legal in every state, and even if they are legal, lenders usually have to abide by strict regulations. Any lender that isn’t willing to comply with state law won’t be legit.Finding a legit lender doesn’t have to be difficult. All you need is a good sense of your state laws and a baseline for finding a good deal.What is a legit short-term loan?A legit payday loan is one that is offered to you legally. The lender needs to abide by the regulations set by your state, even if you are temporarily visiting somewhere else. Short-term loans can be applied for online and in-store but fall under the same regulations.Generally, short-term lenders have more relaxed criteria than banks and other lenders. You’ll be able to apply for a short-term loan if you have bad credit, are on a lower income or receive government benefits. However, the relaxed eligibility criteria does mean rates and fees are higher than other loans.Lenders still have to stick to state-mandated APR and can only lend up to the state’s maximum amount.Lenders must make a reasonable judgment on an applicant’s ability to repay the loan. The lender should assess factors such as income, housing expenses and existing debt in determining if the applicant can reasonably repay the loan.If a lender doesn’t ask you for any of that information or doesn’t attempt to evaluate if you can afford the loan, the lender probably isn’t legit. Since there are plenty of lenders that check, you should move on and find one that combines good terms with a strong lending ethic.
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Is there anything that was invented in South Africa?
Have you actually searched Google for something like “south african inventions” or similar search terms? I did one search and found this Wikipedia page right away:List of South African inventions and discoveries - WikipediaI’m quite sure if you did a few more searches, you’d have more inventions to add to that list.Off you go!To make sure I answer the question, here are those listed on Wikipedia’s page:18th Century[edit]1743 - Jukskei - is a folksport originating from the Cape and is thought to be the forerunner of the American game Horseshoes.pre-1772 - Rooibos tea - the Khoisan of the Cederberg region made the tea for hundreds of years and later in 1772; naturalist Carl Thunberg noted, "the country people made tea" from a plant related to rooibos or redbush which reignited interest in the tea.[1]19th Century[edit]1787-1828 - Iklwa - this new shorter form of the Assegai was popularized under the rule of Shaka Zulu.20th Century[edit]1900-1930[edit]Dolosse - Cape Town, South Africa1925 Pinotage is South Africas signature variety wine grape and was bred from a cross between Pinot noir and Cinsaut grapes.1930-1960[edit]1940's Wadley Loop the circuit was designed by Dr. Trevor Wadley and was first used for a stable Wavemeter.[2]1950 Sasol world's first oil-from-gas company and the country's largest fuel producer.1950 Q20 lubricant Invented in 1950 by Mr. Robertson in Pinetown,[2] Q20 is an all purpose lubricating spray that is owned by the Triton-Leo Group (Pty) Ltd.[3] The name derives from "it has 20 answers to 20 questions".1957 Flame ionization detector by Harley and Pretorius at the University of Pretoria in Pretoria, South Africa1959 Tellurometer was the first successful microwave electronic distance measurement equipment and was also invented by Dr. Trevor Wadley.1960's Helikon vortex separation processis an aerodynamic uranium enrichment process designed around a device called a vortex tube.The Uranium Enrichment Corporation of South Africa, Ltd. (UCOR) developed the process, operating a facility at Pelindaba near Pretoria.1960's Pratley's PuttyThe prototype CT scanner1960-1980[edit]1963 CT scan or the CAT scan was invented by Allan MacLeod Cormack and it won him the 1979 Nobel Prize in Physiology or Medicine (along with Godfrey Hounsfield) for his work on X-ray computed tomography (CT).[2]1963 Dolos is a concrete block in a complex geometric shape weighing up to 20 tons, used in great numbers to protect harbour walls from the erosive force of ocean waves.1965 Retinal cryoprobe; Selig Percy Amoils refined the cryoextraction method of cataract surgery by developing a cryoprobe that was cooled through the Joule-Thomson effect of gas expansion.1965 - Vuvuzela - Freddie "Saddam" Maake claimed the invention of the vuvuzela by fabricating an aluminium version in 1965 from a bicycle horn.Retinal Cryosurgery • While working at Soweto's Baragwanath Hospital in 1965, South Africa's Dr Selig Percy Amoils unveiled the Amoils Cryo Pencil, which is the world's first surgical tool that uses extreme cold (nitrous oxide) to destroy unwanted tissue. Dr Amoils' pencil has made retinal detachment surgery and cataract extraction simple and safe - it has been used to treat Margaret Thatcher and Nelson Mandela's eyes. His invention has transformed cryosurgery (the use of extreme cold produced by liquid nitrogen) for gynaecology, lung, heart, mouth, liver and prostate surgery.1967 Heart transplantation; Dr. Christiaan Barnard completed the world's first successful heart transplantation on 3 December 1967 in Cape Town.[2]• Pratley’s Putty, George Pratley invented Pratley’s Putty while trying to create a glue that would hold components in an electrical box. Pratley’s Glue had a part in the success of the Moon Landing. In 1969 the substance was used to hold bits of the Apollo XI mission’s Eagle landing craft together.1970 Diamond vitrectomy cutter was also invented by Selig Percy Amoils1971 PayPal, co-founder Elon Musk was born in Pretoria.1970's Scheffel bogie, Dr Herbert Scheffel designed a new type of Bogie in order to increase the development of South Africa's narrow gauge railway system. His new design went on to help set the world rail speed record of 245 kilometres per hour.[4]1970's Computerized ticketing; Percy Tucker of Benoni founded Computicket the world's first computerized ticketing system which went national in 1971.[5]1974 Kreepy Krauly invented by Ferdinand Chauvier, formerly from the Belgian Congo.[6]1980-2000[edit]1980 Casspir; Unique design for military personnel carrier in relation to landmines.The main armoured steel body of the vehicle is raised high above the ground, so when a mine is detonated, the explosion is less likely to damage the crew compartment and kill the occupants. The cross-section of the hull is V-shaped, directing the force of the explosion outwards, further protecting the occupants.1984 - Denel Rooivalk - the first military attack helicopter developed that is capable of making a 360 degree loop, a feat previously seen as impossible.1989 Flightscope invented by Henri Johnson [7] it is a radar system used by professional golfers for analysing recorde trajectory, their launch angle, speed and direction.1991 APS Therapy invented by Gervan Lubbeit is used to treat sports injuries and provides relief from chronic pain conditions.[8][9]1992 Speed Gun[2] is a device that measures the speed of cricket balls; invented by Henri Johnson[10] from Somerset West and used in the 1999 Cricket World Cup.[8] Johnson also invented the Speedball (invention)[8] that measures the speed and angle of objects especially cricket and tennis balls and is used in various sporting tournaments.[8]1995 Shark Shield a portable electronic device that emits an electromagnetic field and is used by scuba divers, spearfishing, ocean kayak fishing and surfers to repel sharks.1995 Thawte Consulting is a certificate authority (CA) for X.509 certificates. Thawte was founded by Mark Shuttleworth.1996 - Prepay Mobile Phone - Vodacom became the first network to introduce prepay mobile, under the 'Vodago' package, using an 'Intelligent Network' platform. This made it possible to debit customers’ accounts in real time,[11] and led to a dramatic increase in uptake.[12]1997 CyberTracker a piece of software from a CyberTracker Conservation, that develops handheld data capture solutions for illeterate animal trackers.1997 Hippo water roller: a device for carrying water more easily and efficiently than traditional methods, particularly in the developing world. It consists of a barrel-shaped container which holds the water and can roll along the ground, and a handle attached to the axis of the barrel.1998 Blaster (flamethrower), Charl Fourie designed the flamethrower to provide a defence against carjackings.1999 Smartlock Safety syringe, a three part single use syringe credited with dramatically reducing HIV infection rates in South Africa.[13]21st Century[edit]2001 Cobb grill. Ken Hall based his design on the paraffin stove in many rural areas of South Africa, the grill was featured in the TIME magazines best inventions of the year for 2001.[14]2001 Oil-Can Guitar made by engineer Graeme Wells in Cape Town.[5]2004 Ubuntu (operating system) was invented by entrepreneur Mark Shuttleworth and runs on the Linux system.2008 Freeplay foetal heart rate monitor, a power-free foetal heart monitor.[15][16]
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Why are Chinese products cheaper?
In the words of Tim Cook: "The popular conception is that companies come to China because of low labor costs. I'm not sure what part of China they go to, but the truth is China stopped being the low labor cost country years ago. That is not the reason to come to China from a supply point of view, the reason is because of the skill."Let us look at the concept of labor or the involvement of labor in an every-day product. Let us compare 2 products: a plastic fork vs a plush toy. Although both products fall on opposite spectrums of the consumer life cycle (one disposable whilst the other one is reusable), both are sure to be made in China.A plastic fork is made from food-grade Polystyrene (PS) plastic pellets or beads through a process known as plastic inject molding. In here the pellets are heated in a molding machine to a viscous state and are injected into a mold. The mold produces multiple sets of forks within a matter of seconds and from there on it’s as simple as detaching the forks from a sacrificial (?) holder or tool (this is also made of PS and in most cases is recycled). From here the product is moved into packaging and then sent out of the factory for export. A fully automated machine can be set to run continuously 24 hours a day with very little monitoring by a worker, thus being a low labor product.Now, let us look at that plush toy. The stuffed animal is comprised of textile material for the cover, stuffing, two eyes and a nose. The material must be cut into pieces, sewn together and stuffed. The nose, eyes and mouth are sewn onto the material together and stuffed, requiring skilled labor(-). The cutting of the pieces may be done by hand or by machine, but the pieces are sewn together by a worker using a high-speed sewing machine. Next comes the insertion of stuffing – this is rather complex for a machine to do, as such the insertion is done by hand and the insertion point is also manually closed. It is evident that this requires much labor, therefore, this type of a product is considered a high labor product with labor contributing 70% of the total cost [1]. In the end, much like a fork, the product is moved and packaged for export.Because labor is only one part of the total cost of a product, and in many cases it's as low as 20% of the total cost, – this must indicate that there may be other factors at play in making Chinese products, such as the fork. If labor were the only factor, then most of the “plush toy/labor intensive” industries would have shifted to other countries – but only some industries already have e.g. Bangladesh, Vietnam and Mongolia to name just a few. To that extent, manufacturing of plastic forks could possibly return to the USA; but that’s not happening.Industrial production does not take place in isolation, but rather relies on networks of suppliers, component manufacturers, distributors, government agencies and customers who are all involved in the process of production through competition and cooperation. The ecosystem of doing business in China has evolved quite a lot in the last thirty years. Here are the additional factors, including labor, that affect the overall cost of manufacturing and thus make Chinese exports cheaper:A. Commendable supply chain: Supply chain activities transform natural resources, raw materials, and components into a finished product that is delivered to the end customer. No country, at present, has a supply chain more sophisticated yet flexible than China. China’s biggest advantage is their domestic availability of most of the raw materials required to manufacture a given product [2]. Not only are private entities involved in the process of outputting raw material for manufacturing. Rather, many Chinese State Owned Enterprises (SoEs) actively control and output raw materials for small factories to transform into ready-made goods. If the government is involved in such activities, it is safe to assume that this is an active industry that requires not only oversight and monitoring, but active involvement. Access to affordable raw materials helps bring down manufacturing costs to a considerable extent. As a result, having suppliers who are local to the manufacturer has gained importance as a way to cut costs[6].B. Rebate upon Export: The export tax rebate policy was initiated in 1985 by China as a way to boost the competitiveness of its exports by abolishing double taxation on exported goods[7]. China is one of over 150 countries that utilize a Value Added Tax (VAT) system. It is a tax only on the "value added" to a product, material, or service at every state of its manufacture or distribution. The VAT rate is generally 17%, or 13% for some goods. Chinese companies receive a VAT refund from the government for materials of products produced for export. Basically, factories that export do not pay any VAT on goods or raw materials used made for export – further subsidizing raw material costs. American imports to China are charged a VAT, but the U. S. doesn't have a VAT to charge Chinese imports. Moreover, Chinese manufacturers work with far lower profit margins than those in the U.S.C. Efficient Infrastructure and Logistical Access: In its fast-paced effort towards industrialization, China has built many ports (big and small), roads and railroad access. Such a system is not secluded to the big cities (Tier 1 or Tier 2 cities), it connects all of them, including Tier 4 cities or small towns used as industrial manufacturing zones. Having an efficient logistical system allows for cheaper travel costs –the cost of units (kilometers or miles) per currency (dollar or RMB) decreases. Also, an efficient infrastructure reduces overall downtime. Such is the case of India, as pointed out by Vaibhav Mandhana [3]: “Given the poor roads, a shipment from India's north can take a week or more to signNow India's south. Sometimes it is quicker and cheaper to actually get a shipment from Shenzhen than Kolkata. Time is money and all those delays add to your cost. If I could get something in two days, I could sell it immediately rather than wait two months to sell it [add up the interest costs]”"The road freight from LA to Nevada will cost you a lot more than the sea freight from China to LA."[5]D. Subsidized Utilities and Availability: Within China’s industrial areas many fixed and variable production costs are heavily subsidized. For example: electricity and water are subsidized up to 30% compared to normal household or commercial zones. Moreover, the local government gives support with land access at competitive rates, creating jobs in the area. This further helps to diminish the cost of the end product – after all you have access to cheaper land, water and light (What manufacturing does not require these? - Hell, even mining bitcoin does!). In non-industrialized or not fully industrialized countries (Indonesia, Vietnam, India), access to water and electricity remains a critical issue, until today. “In Coimbatore and other industrial places, you get power for like eight hours a day. That means the machinery lies idle for sixteen hours and that wasted capacity adds to the cost.”Do we see a trend of several factors, other than labor, which affect the overall cost of the product? Hold on, there are more!E. Bureaucracy: Barriers for entry in China, in this context, are extremely low. Although you need to fill out a huge number of papers (Customs Declaration Form, Land Annexation, Tax Filing, Compliance Related Documentation, Drawback/Rebate Forms, Annual Returns and etc.), the process is not complex. Relevant departments and accountability are there; you do not need to grease palms to get what you need; streamlined government policies are in place. Again, non-industrialized countries do not have many of these processes in place – they are in the early stages, whereas China has been through all this. I am not saying China is pure and not corrupt, there might be corruption in some cases, but the overall industrial process is so deeply rooted, that people just follow established guidelines. Greasing palms and running around places to get a stamp or a signature causes further delays (time is money) and increases overall costs. This is considered more as “Political Will” than bureaucracy; meaning the government’s will to allow you to do business is prominent thus reducing barriers for you to do business or manufacture or engage in services.F. Technology and Automation/ Skilled Labor: It would be unreasonable to discard China’s interconnectivity between technological advancement and manufacturing capacity. They work hand-in-hand. Availability of the latest technology to manufacture products of a high quality on a large scale. And let's be honest, scalability can be a very important factor in deciding price of a product. Apart from technology, China has a large population, thus having a bigger access to a wide talent pool. Availability to a greater talent pool decreases the overall demand as there is an oversupply – again, denting the costs of the product. If you recall, Tim Cook's main reason for manufacturing in China is: the depth of highly skilled labor in the manufacturing space. To rephrase what Cook said: "No other country in the world besides China has the combination of an electronic component supply chain and large pools of skilled labor needed to make iPhones on the scale which Apple needs."G. Labor: It is comparatively cheaper to many so-called “developed countries”. You can have someone do the same labor task for a comparatively lower price than say Europe or the USA for that matter. This further brings down costs. As noted before, it is not the cheapest – but it is not the most expensive either. What is important to remember here is that labor in China, is skilled – although most laborers are not trained, but have learned by doing. When you outsource to China, you’re working with time-tested factories that have been producing quality products in similar industries as yours for years on end, and in massive supply.Where a labor task might cost you $8-9 USD/hour in developed countries, it will cost you $450-500 USD for an entire month in China (8 hours a day, 28 days a month). If you do the math, that’s about $2.19 USD/hour. Countries like Indonesia a semi-skilled laborer will do it for half, $1.05 USD/hour – but the manufacturing process will be influenced by factors all the factors mentioned.H. Local Government: Local government officials are appointed, not elected. Part of their job is to help the industries and they are measured by results. Furthermore, locals compete with each other. That means Suzhou is competing with Chengdu to attract industries, and so on. Hence officials are always using their local advantages to help, attract, and grow industries, such as providing low cast land, building industrial parks, and making sure that the support infrastructure (roads, electricity, water, etc.) even local housing and schools are there. Since these officials are not elected locally, their actions are much more efficient rather than dealing a motion to go through town hall meetings or waiting for a ballot to pass for months. The downside of such efficiency could be that some environmental studies were not complete or many local concerns are not addressed fully (All credit for how to local governments operate within China go to Mr. James Yeh ).Here are few controversial factors, claimed by several sources:I. Currency: There is the ever-present theory of currency manipulation among economists, where China undervalues their currency by an estimated 30%-40%, which simply makes every product that China ships out 30-40% cheaper than those of a potential American competitor. The Yuan is manipulated and pegged undervalued to the US dollar [2]. So the price quoted in US dollars( more exports are quoted in dollars), will be cheaper than normal; (This manipulation has affected the domestic price of the product and labor wages as it has been kept much lower than it should have been. The Chinese yuan has, however, been steadily increasing in value against the dollar over the past few years.J. Compliance: The Chinese government does not bind itself with Intellectual Property issues. They allow the industry to investigate the products developed successfully elsewhere in the world. They then produce them in large quantities. Personally, there is nothing wrong in this benchmarking. Most industries do benchmark; especially in the automotive world. This saved the industry from expensive investments in R&D [4]. Although China has its own environmental protection agency, the environmental protection laws are generally lax and not enforced fully, especially at the local level. In previous years, Chinese factories cut down on waste management costs -further bringing down overall product costs. Things have been different lately, thanks to the strong efforts from the national government. Laws on IP and environmental protection are being enforced, especially after the Hangzhou G20 summit. There is still some belief that more needs to be done.If cheap labor was in itself the key driving factor, a large percentage of the labor-intensive factories would have already shifted to cheaper labor countries and lower labor-intensive jobs would have returned to the countries such as the USA - because China is not the synonym for cheap labor anymore. But that's not what we are experiencing; only certain jobs within the manufacturing field are moving to South East Asia. A huge chunk is there and is still able to reap the benefits of various factors. It will take more than a cutthroat desire for emerging economies to set up a business ecosystem that can compete with China's.Wow now over 1,000 Thanks for your upvotes! If you would be kind enough to give a like for this same article on my LinkedIn profile: https://www.linkedin.com/pulse/w...Footnotes:1. https://www.industryweek.com/env...2. https://qr.ae/TUtz1K3. https://qr.ae/TUtzTO4. https://labs.ebanx.com/en/market...5. Walter Hay's answer to How expensive is it to import to Nevada from China?6. 5 Reasons Why You Should Manufacture In China With ITI[7] China Will Continue To Dominate World Production
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Do you need a loan to stop your troubles? Easy loan?
Try this site where you can find the best solutions for all your personal financial needs://creditandfinancesol.info/index.html?src=compare//RELATEDCar Insurance parked hit and run question?I have USAA as my auto insurance. Here’s the back story. I was parallel parked alongside a street here in Atlanta and a car (more than likely) was trying to get out of his/her space and hit the left driver side bumper pretty hard (ruining the paint and loosening up the bumper pretty good…and cracking the tail light). This person did not leave a note. I have my 500 deductible. I also have uninsured motorists coverage. Right now USAA is saying that I will have to pay the $500 ded. Why couldn’t they put it under the uninsured motorists coverage I have instead so I wouldn’t have to pay a dime? Is it within reason to call them and ask for this issue to be adjusted? If so, what points can I make to insure I get the deductible taken care of under the uninsured motorists coverage? Thank you for your help!”How much would insurance be on a Nissan 350z?Hi guys!! Ok so I’m soon to get a 2003–2006 Nissan 350z Touring or Enthusiast. Maybe around 9000$ to 15000. I’m almost 18 and what would insurance be like for me??? Allstate, State Farm, ect. I just need a basic monthly quote! Thanks!!”Flying insurance????????????do u need insurance if you are flying in a private jet charter (like a private jet)What are the best websites to get car insurance quotes from different companies in New York City?What are the best websites to get car insurance quotes from different companies in New York City?Geico Car Insurance?I have a 2013 Mitsubishi Lancer GT. My mother took the loan out and I was wondering can I get my own insurance (19 years old) and insurance the mitsubishi even though the loan is in her name?Co-op Health Insurance?Can anybody out there tell me how does Co-op Health insurance work. im researching for a paper in my finance class and cant find info elsewhereWhat is car insurance for a first time driver?Okay i am 18 and have never had my license before and am going to be getting it at the end of this month…soon we are going to start getting insurace quotes for my car, we have been talking about what would be the best way to go about getting the cheapest insurance…so would it be best to put the car in my name but then just be added to my parents insurance and have me as the primary driver OR would it make a difference if we put the car in one of my parents name and then had me listed as the secondary driver for the car ? OR maybe you know a better way to go about this please give me all the advice you know about this! thanks”Will taking a defensive driving class lower my insurance and take points off my driving record?Ive been in two car accidents one in Nov.2007 and the other Feb. 2008 and i was wondering if taking a defensive driving course would take points off my driving record and lower my insurance.Car insurance INCREASE every 6 months with no accidents/tickets? wtf!?Last year I had Unitrin Direct….they were charging me $85 a month…this is with NO tickets or accidents for the last 5 years of my driving record….this is also with the BASIC insurance that you need in Florida…10/10/20…NO collision…and a $1000 deductible….. So at the end of my 6 months…it was time for a renewal…they tried to bump me up to $140 a month for no reason…still no accidents/tickets…nothing had changed…i had expected my rate to DECREASE….they tell me it’s a STATEWIDE INCREASE ……so i called around… Ended up switching to Allstate who has been charging me $90 a month (better than $140 right?)…..6 months go by, everything’s cool…..now my policy renewal is coming up and they’re trying to tell me i need to pay $160 a month for their basic insurance. Are you kidding me? And according to them it’s another STATEWIDE INSURANCE INCREASE …… They also told me that it could be due to not having CONSECUTIVE insurance for the last few years, as in…I switched from State Farm to Unitrin to Allstate……they told me call the state insurance commissioner…which I did…. Got connected to some guy in Gainesville who tells me that the INSURANCE companies are the ones who decide the rates and increases…not them. Pretty much BS….Allstate’s blaming the state, state’s blaming them…feels like a huge runaround to me. Guess my questions are…. Should I stick with Allstate and pay $160 a month for this absolute BASIC insurance (keep in mind..no collision, $1000 deductible)…my car’s not even worth a YEAR of their insurance. …. Or shop around? But if I switch back to Unitrin or get Geico or whatever….will I risk having ANOTHER increase after 6 months? And is it true that one of the reasons for these statewide increases is not having consecutive insurance with the same company for so many years? Thanks all.”I’m on a fixed income with 3 cats. Does any cat owner know of a good affordable cat insurance plan?*I purr..fer to hear from people that already have a good affordable cat insurance plan.
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Can I borrow some money?
if you need money, there are ways you can get it safely and quicklyThere are times in life where you need money for a late bill or an emergency expense, but you might not know where to start on an often time-consuming and frustrating process. Our article below outlines the ways you can borrow money fast so you don’t have to spend time worrying about filling the gap between paychecks.Few month ago I need some urgent money, My friend Henry suggest me to take money from this website its reliable and you can get urgent money just after fill a form.So I did it.And get Money within 3 hours .This is the website URLOnline short term loans have less strict requirements than a traditional loan.One way to minimize interest rates how much a short term loan will cost is to only borrow the amount of money you need to cover your expenses and to choose the shortest repayment period you can afford.Here is the process3 Easy Steps1. Complete the Short Loan Request Form2. Our Network of Lenders Reviews Your Request – You Can Get a Loan Offer3. If Approved, Review and Accept Your Loan – All Conveniently OnlineRemember, our service is free and you’re not obligated to accept any loan offer.Eligibility:You do not need to have a perfect credit score to be eligible for a bad credit loan. Customers with poor credit may still qualify for a loan; however, our lenders do not typically provide loans over $1,000 to bad-credit individuals. Please note that meeting these requirements does not mean you will be connected to a lender.Requirements:Be at least 18 years old.Provide proof of citizenship, such as a Social Security number, or legal residency.Have a regular income, either from full-time employment, self-employment, or disability or Social Security benefits.Have a checking account in your name.Provide work and home telephone numbers.Provide a valid email address.Loan Process:Our loan request process is designed to connect you with the lender from our network who can assist with your financial needs. If successfully connected, our lender network will verify your information quickly and review your loan request.Depending upon the information you provide, a lender might respond with a loan offer. You should take your time in reviewing all details of any loan you’re considering. You will not be obligated to accept the offer if it is not the right offer for you!When you decide to accept your loan, just agree to the lender’s terms via e-signature. (Remember, you are under no obligation to accept any loan offered.)Once you add your electronic signature to the lender’s contract, they will distribute the loan funds to your checking account via direct deposit. All funds should be available as soon as the next business day, however, the exact availability timeframe will depend on your lender’s deposit process.Best and trusted online loanRepayment:The lender will present you with the repayment schedule and you will be able to repay your installment loan off over time rather than all at once.That’s all there is to it! Our lenders require no collateral, and you will not be denied a loan solely based on a poor credit history. Your steady income and checking account is the only security required.Note: Bad Credit Loans is not a lender; rather, They specialize in connecting borrowers with Their network of bad credit lenders and financial service providers. Bad Credit Loans cannot dictate your loan terms, conditions or interest rates/fees.
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What are disadvantages of cheque truncation?
The Reserve Bank of India introduced the Cheque Truncation System (CTS) throughout the country, after it was introduced in NCR on a pilot basis, from August 1, 2013.An Electronic Cheque is a Cheque which contains the exact mirror image of a paper cheque and is generated, written and signed in a secured system, ensuring maximum safety with the use of digital signature with or without bio-metrics.The Section 6 of the NI Act was, therefore, amended in December 2002, to include a cheque in electronic form and truncate a cheque transacted during the clearing process.WHAT IS CHEQUE TRUNCATION?Truncation is a process of stopping the flow of physical cheques issued by a drawer to the drawee branch. In this process, a physical cheque is truncated at some point en-route to the drawee branch and an electronic image of the cheque would be sent to the drawee branch along with the relevant information like MICR fields, date of presentation, presenting banks, etc., In other words, the images of the cheques captured at the presenting bank level would be transmitted to the Clearing House and then they are sent to the drawee branches with digital signatures of the presenting bank.Advantages of CTS:The CTS is a safe, secured, faster and effective system for clearing of the cheques.2. It would also reduce the time required for payment of cheques. In otherwords, it is faster.3. It also helps reduce the cost associated with the transit of cheques.4. The CTS helps in reducing the delay in processing the cheques in the clearing cycle.5. The CTS will also help to reduce the frauds associated with the movement of cheques from one bank to another.DISADVANTAGES:Costly to Implement: A successful implementation of Cheque Truncation system in a country involves the participation of all banks. That means, the cost of implementing such a system becomes costly.Declining Clearing House Payment Mechanism: Cheque volumes are said to be decreasing at a slow but steady rate, thanks to innovations in technology. Banks are therefore skeptical to invest too much of money in this regard.New Hardware, Software, Systems, and Processes all add to the complexity of the new system, making it that more difficult to justify cost against other payment technologies. Dr. M J SUBRAMANYAM
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