#Personal loan application process

[loansmee]

Finding personal loans with fair credit can be challenging, but it's possible with the right strategy. This comprehensive guide covers top lenders, the application process, and tips to improve your credit score. Learn how to navigate the loan market with fair credit, understand the benefits of personal loans, and explore various loan types. From debt consolidation to emergency expenses, discover how to secure the best terms and rates for your financial needs in the USA. Achieve financial stability with informed decisions and expert advice.

[salt-baby]

yes, doctors suck, but also "the medical ethics and patient interaction training doctors receive reinforces ableism" and "the hyper competitive medical school application process roots out the poor, the disabled, and those who would diversify the field" and "anti-establishment sentiment gets applications rejected and promotions requests denied, weeding out the doctors on our side" and "the gruesome nature of the job and the complete lack of mental health support for medical practitioners breeds apathy towards patients" and "insurance companies often define treatment solely on a cost-analysis basis" and "doctors take on such overwhelming student loan debt they have no choice but to pursue high paying jobs at the expense of their morals" are all also true

none of this absolves doctors of the truly horrendous things they say and do to patients, but it's important to acknowledge that rather than every doctor being coincidentally a bad person, there is something specific about this field and career path that gives rise to such high prevalence of ableist attitudes

and I WILL elaborate happily

[techminsolutions]

Unlock Financial Opportunities with Prefr Loans – A Comprehensive Guide

Unlocking Financial Opportunities: A Deep Dive into Prefr Loans In the ever-evolving realm of financial services, Prefr stands tall as a reliable and accessible provider of credit solutions. Let’s embark on a comprehensive journey to explore the various facets of Prefr loans, understanding why this NBFC (Non-Banking Financial Company) is not just a lender but a financial ally. Prefr Loans: A…

[financing007]

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[octuscle]

Blood is thicker than water

Peter hated being out in the fresh air. He had hated working on the farm ever since he had had to help his grandparents muck out the barn during the summer vacation. Yes, there weren't many other ways to earn money here in Lincoln now. But Nebraska wasn't Peter's future either. He was very sure of that. His future would be somewhere in New York, Singapore or London. Somewhere where the big money was. That's where he wanted to go. And that was where he belonged.

The job at the local bank wasn't that glamorous yet. But it was the starting point. Working at the cash desk, processing loan applications, it was all just a prelude to the glittering world of investment banking and hedge funds. He was hardworking, he was smart and charming. And he looked incredibly good in a suit.

When the board called him into his office, Peter saw his big moment had come. He adjusted his tie knot, took a deep breath, knocked and entered the office of his top boss. "Peter, good to see you, have a seat!" Mr. Harrison greeted him. "I hear wonderful things from you. I thought it was long overdue to meet you in person." Peter had to make an effort to stay cool. "As you probably know, the head of our corporate client department is being replaced. And even though you're actually a bit young for a position as head of department, I've been advised to consider you." Strike, thought Peter. "However, I have a, shall we say, delicate task… But if you master it successfully, I have no doubts that you are the right man for the job." A few minutes later, Peter wished he had never started at the bank.

The farm he was on his way to belonged to his uncle Cleatus. It had once been his grandparents' farm. His mother's parents' farm. Not the one where he had had the humiliating experience in the cowshed. This was his father's parents' farm. Damn it, he thought to himself. I must have manure running through my veins. I come from a clan of cows. "Anyone home?" he called out as he arrived in the yard between the stables and the house. The farm looked run-down. He hadn't been here for a long time. Suddenly he heard someone loading a shotgun. "I'm not expecting visitors!" Peter heard a harsh voice. Peter turned around and grinned as friendly as he could. "Hi Uncle Cleatus! It's me, Peter" "Peter, damn it, why are you in disguise? You look like an asshole from the bank!" Peter gulped. This was going to be fun. His uncle invited him into the large kitchen. It was dirty and untidy. Peter saw the pile of unopened post. He took a deep breath, declined the offered beer and began: "Uncle Cleatus, I'm actually not here by choice. And let me get straight to the point: I'm one of those assholes from the bank…"

"Junior!" roared Cleatus. "Say goodbye to your cousin!" Peter looked down the barrel of the shotgun. It hadn't gone as well as he had hoped when he told his uncle that the farm would have to be foreclosed. "Junior, now!". The floor shook as Junior approached the kitchen. It was beginning to stink. Slurry, sweat… And then his cousin Junior stood in front of him. A colossus! He took him in his arms and almost crushed him. "Throw him out, the asshole!" Peter lost the ground beneath his feet. Junior carried him out into the yard. And threw him into the mud. He lay in mud, cow shit and manure. Peter picked himself up and turned around. He wanted to protest. But one look in Junior's direction was enough. And he took off in the direction of the town.

Something was strange… Peter should actually feel humiliated and bad. But he was fine. The dirt on his ruined suit was drying. He was sweating in the warm air. He whistled a song. He was doing well. Of course, his uncle's farm hadn't been saved, but at least he hadn't put his own family out on the street. Shit, that wouldn't be worth a promotion on this planet either. He was beginning to develop pride in his grandparents' accomplishments working this land. They had made this country great. That made him very proud. And he was growing, without realizing it, in his suit.

He had parked his car outside on the country road so as not to get it dirty on the muddy dirt track. Peter now stripped out of his dirty suit on the road and sat in the car half naked so as not to soil the seats. The suit lay crusty, but neatly folded, in the trunk. It wasn't the end of the day yet. He had to report to the bank. He needed something to wear. And, given the way he smelled of cow shit and manure, a shower, too. Peter scratched his chin to think. His chin was scratchy. Very scratchy. And his upper arm looked kind of powerful. His cock in his boxer shorts was getting hard. Shit, what was he going to do now? Fortunately, he remembered the workwear store at the entrance to the town. He would find something to wear there. Maybe nothing from an Italian designer. But it would certainly be better than underwear.

The waitress in the store looked as if she was always serving men in their underwear. Peter mumbled that he needed something for the office. The waitress nodded understandingly and said that a guy who was built like him was certainly not the kind of person who would fit into an office. Peter didn't understand, but nodded. "Go into the changing room, I'll bring you something," said the sales assistant. Peter did as he was told. He looked in the mirror. Yes, he was a man who, in his underwear, you would probably expect to see as a construction worker or tree cutter. Arms like his didn't really fit into a shirt. "You look like you have an appointment at the bank," said the sales clerk. "You'll want to look respectable." Peter actually wanted to say that he worked at the bank. But somehow he had the feeling that wasn't true… "Yes, I have a farm to save," Peter replied. "Shit situation," replied the salesman. "Bankers are all vultures!"

When Peter arrived back at his small office, where he was a corporate account manager, he took a deep breath. Yes, he too was a vulture. But not as bad as the money-grabbing careerists up there. He was a passionate banker. He wanted to help people. His people. Before he called Mr. Harrison, he took a deep breath. His huge chest rose and fell. He reeked of sweat in his cheap polyester shirt. And after his visit to the farm, he probably had cow shit in the treads of his rough boots. But he just wasn't the type for penny loafers and Egyptian cotton shirts. He was a guy from Nebraska. Even if he did work in a bank.

The conversation with Mr. Harrison went as Peter had expected. You couldn't expect sympathy from a man like that. And Peter didn't want to work with a man like that again. He had saved hard. His dream had been to buy a house in the suburbs soon. But now there were more important things. One word followed the next in the phone call with Mr. Harrison. Until Peter plucked up his courage and told the vulture to stick his money up his ass. Peter would pay off his uncle's debts. And then turn his back on the bank. He threw his tie in the garbage can. And unbuttoned his shirt. Free! Free at last!

Junior was quite a challenge. His cousin was a few weeks older than him. And he hadn't been softened up by working in the city. But Pete had been living on the farm for a few weeks now and, thanks to his cooperation, there was a silver lining. The auction was off the table. Everything would be fine. And at the next wrestling match in the cowshed, Junior would lose and Pete would win. And the winner would get his cock sucked by the loser. Life on the farm was wonderful!

[neopianbiologyproject]

Welcome!

Hello and welcome to The Neopian Biology Project!

This blog is an offshoot of a series of posts started on my main account. It is run by me, @asterixcalibur, in association with Happy Lab Accidents on @cabletwo. I'm an artist and funny person by trade, but a biologist by tragic BDGilbertian retribution.

The goal of this project is to identify all of Neopia's unique species, categorize them by kingdom and region of origin, and find an ideal specimen for each that can be put into a natural history museum (my gallery on Neopets). As of writing, the project has identified over 2000 unique species of Neopian wildlife.

Our main methodology is scouring item descriptions for helpful information. This process also involves researching and standardizing the taxonomical, ecoregional, and evolutionary timeline terminology of Neopia.

Longer term goals are to obtain the ideal specimen of every identified species for the museum, and renovate the museum into a simulated museum experience through careful application of visual assets and CSS/HTML. Maybe one day we can shoot for the Gallery Spotlight?

On Neopets

My account on Neopets is classypotassium. Feel free to ask to be NeoFriends -- just tell me who you are here!

The Neopian Biological Sciences Natural History Museum itself is here.

Ways to Contribute

1. Donate a specimen

If you'd like to donate or loan a specimen to the museum, contact me so we can discuss attribution and collateral!

The gallery's JellyNeo wishlist is here. It will be continually updated as specimens are identified, so consider it a work in progress. As of writing I also haven't checked anything off even if it's been obtained, so double check the museum before offering donations!

2. Donate Neopoints

You can also "donate" by buying a Plushie Fungus from my shop! These are intentionally overpriced so that the change can be considered a charitable donation.

3. Interact here!

A lot of the posts that end up here are going to be asking for people's thoughts on origin, kingdom, uniqueness, and so on, through polls and direct questions.

You can also submit items, images, links, art, specimens, fossils, documentation, scientific papers, primary sources, etc. and so on, for consideration by the Project!

You don't need to know anything about Neopets to put in your two NP (or cents USD). In fact, sometimes it's better to get a perspective grounded in normal Earth biology, because, speaking as a biologist here in Neopia, I can very well say oh ym god please help ohhhh my god you don't even know

Conclusion

You don't need to be into Neopets to enjoy or contribute to this blog; I'll try my best to write posts so that they can be enjoyed by anyone aware of but not necessarily into Neopets. In my experience, explaining Neopets to someone entirely unfamiliar with it is always fun. This shit runs deep, dark, and as spaghetti as its code. Best part of Neopets, to me, is that the site rewards you for exploration, and some of the most consequential but by far weirdest lore can only be found by happening upon a page six links deep into a chain of site features that have gone untouched since 2009, as part of a philosophy of interaction that runs the entire site and is entirely against modern website design principles.

Anyway,

Thank you for visiting!

Science awaits!

[odinsblog]

🗣️ Please pay attention

Amazon argues that national labor board is unconstitutional, joining SpaceX and Trader Joe’s

Amazon is arguing in a legal filing that the 88-year-old National Labor Relations Board is unconstitutional, echoing similar arguments made this year by Elon Musk’s SpaceX and the grocery store chain Trader Joe’s in disputes about workers’ rights and organizing.

The Amazon filing, made Thursday, came in response to a case before an administrative law judge overseeing a complaint from agency prosecutors who allege the company unlawfully retaliated against workers at a New York City warehouse who voted to unionize nearly two years ago.

In its filing, Amazon denies many of the charges and asks for the complaint to be dismissed. The company’s attorneys then go further, arguing that the structure of the agency — particularly limits on the removal of administrative law judges and five board members appointed by the president — violates the separation of powers and infringes on executive powers stipulated in the Constitution.

The attorneys also argue that NLRB proceedings deny the company a trial by a jury and violate its due-process rights under the Fifth Amendment. (source)

ICYMI, this is a case of corporations going, “7th Amendment Protections for me, but not for thee.”

It is strongly worth noting that in 2018 the John Roberts Court ruled 5-4 that companies can use forced arbitration clauses to stop people from joining together to fight workplace abuses - in effect denying individuals their 7th Amendment protections.

Subsequently, binding arbitration clauses used by corporations has proliferated; sneaking into all manner of common legal documents: personal banking applications, ordinary car loan applications, furniture purchases, and more. This is, unsurprisingly, a direct violation of the 7th Amendment that guarantees HUMAN BEINGS AND PEOPLE the right to a jury trial in certain civil cases and inhibits courts from overturning a jury's findings of fact. Republicans and SCOTUS are perfectly okay with corporations having more rights than workers and using forced arbitration to block people from having access to jury trials—but God forbid if corporations don’t have their right to a jury trial.

This legislative push to bestow corporations with more rights than people, while simultaneously taking away rights from human beings, has been nothing if not thoroughly and methodically done. At this rate, no corporation will ever need to fear a class action lawsuit again.

Amazon, SpaceX and Trader Joe’s are union busting.

But this latest case against the NLRB isn’t just an attack on labor and worker’s rights, it’s a fascistic attack on the very heart of fairness and democracy itself.

[buyresidentialpropertiesindubai]

Top Tips for Choosing the Best Mortgage Broker in Dubai

Securing a home loan in Dubai can be a complex process, and choosing the right mortgage broker can make all the difference. This guide provides top tips for selecting the best mortgage broker to help you navigate the home loan process in Dubai.

Importance of a Mortgage Broker

A mortgage broker acts as a bridge between borrowers and lenders, helping you find the best mortgage deals and guiding you through the application process. Here are some benefits of using a mortgage broker:

Expert Knowledge: Brokers have extensive knowledge of the mortgage market.

Access to Multiple Lenders: They work with multiple lenders, giving you more options.

Personalized Service: Brokers offer services tailored to your financial situation and needs.

Time Savings: They handle the paperwork and negotiations, saving you time and effort.

For more information on home loans, visit home loan dubai.

Steps to Choosing the Best Mortgage Broker

Research and Recommendations: Start by asking for recommendations from friends, family, and colleagues. Check online reviews and testimonials.

Verify Credentials: Ensure the broker is licensed and regulated by the relevant authorities in Dubai.

Interview Multiple Brokers: Speak with several brokers to compare their services, fees, and expertise.

Evaluate Experience: Choose a broker with a proven track record and extensive experience in the Dubai mortgage market.

Understand Fees: Clarify the broker's fee structure and ensure there are no hidden costs.

For property purchase options, explore Buy Houses in Dubai.

Questions to Ask Potential Brokers

What types of mortgages do you offer?

Which lenders do you work with?

What is your fee structure?

Can you provide references from previous clients?

How will you help me find the best mortgage deal?

For expert mortgage advice, consider Mortgage Broker UAE.

Benefits of Using a Mortgage Broker

Access to Exclusive Deals: Brokers often have access to deals that are not available to the general public.

Expert Negotiation: They can negotiate better terms and rates with lenders.

Stress Reduction: Brokers handle the complex paperwork and administrative tasks, reducing your stress.

Comprehensive Financial Advice: They provide valuable financial advice, helping you make informed decisions.

For rental options, visit Apartments For Rent in Dubai.

Real-Life Success Story

Consider the case of Sarah, a first-time homebuyer in Dubai. With the help of a mortgage broker, she secured a favorable mortgage rate and purchased her dream home. The broker's expertise and negotiation skills saved her time and money, making the home-buying process smooth and stress-free.

For selling your apartments, visit Sell Your Apartments in Dubai.

Conclusion

Choosing the best mortgage broker in Dubai requires careful research and evaluation. By following the tips outlined in this guide, you can find a broker who will provide expert advice, access to the best mortgage deals, and personalized service. For more resources and expert advice, visit home loan dubai.

[isabellaseraphinabloger]

Exploring AI's Benefits in Fintech

The integration of artificial intelligence (AI) in the financial technology (fintech) sector is bringing about significant changes. From enhancing customer service to optimizing financial operations, AI is revolutionizing the industry. Chatbots, a prominent AI application in fintech, offer personalized and efficient customer interactions. This article explores the various benefits AI brings to fintech.

Enhanced Customer Experience

AI-powered chatbots and virtual assistants are revolutionizing customer service in fintech. These tools provide 24/7 support, handle multiple queries simultaneously, and deliver instant responses, ensuring customers receive timely assistance. AI systems continually learn from interactions, improving their efficiency and effectiveness over time.

Superior Fraud Detection

Fraud detection is crucial in the financial sector, and AI excels in this area. AI systems analyze vast amounts of transaction data in real time, identifying unusual patterns and potential fraud more accurately than traditional methods. Machine learning algorithms effectively recognize subtle signs of fraudulent activity, mitigating risks and protecting customers.

Personalized Financial Services

AI enables fintech companies to offer highly personalized services. By analyzing customer data, AI provides tailored financial advice, recommends suitable investment opportunities, and creates customized financial plans. This level of personalization helps build stronger customer relationships and enhances satisfaction.

Enhanced Risk Management

AI-driven analytics significantly enhance risk management. By processing large datasets and identifying trends, AI can predict and assess risks more accurately than human analysts. This enables financial institutions to make informed decisions and manage risks more effectively.

Automation of Routine Tasks

AI automates many routine and repetitive tasks in fintech, such as data entry, account reconciliation, and compliance checks. This reduces the workload for employees and minimizes the risk of human errors. Automation leads to greater operational efficiency and allows staff to focus on strategic activities.

Advanced Investment Strategies

AI revolutionizes investment strategies by providing precise, data-driven insights. Algorithmic trading, powered by AI, analyzes market conditions and executes trades at optimal times. Additionally, AI tools assist investors in making better decisions by forecasting market trends and identifying lucrative opportunities.

In-Depth Customer Insights

AI provides fintech companies with deeper insights into customer behavior and preferences. By analyzing transaction history, spending patterns, and other relevant data, AI predicts customer needs and offers proactive solutions. This level of insight is invaluable for targeted marketing strategies and improving customer retention.

Streamlined Loan and Credit Processes

AI streamlines loan and credit approval processes by automating credit scoring and underwriting. AI algorithms quickly assess an applicant’s creditworthiness by analyzing various factors, such as income, credit history, and spending habits. This results in faster loan approvals and a more efficient lending process.

Conclusion

AI is transforming the fintech industry by improving efficiency, enhancing customer experiences, and providing valuable insights. As technology advances, the role of AI in fintech will grow, driving further innovation and growth. Embracing AI solutions is essential for financial institutions to stay competitive in this rapidly changing landscape.

[somethingusefulfromflorida]

Last summer I applied for a job as a library specialist in a small town outside Gainesville. As part of the application I had to go to the librsry in-person and take what was essentially a high school English test, "match these titles to their authors," "what was the main theme of XYZ," etc., really dry and pointless, but the final few questions were relevant to the library position and I absolutely aced them. "What should you do if someone comes in with a dog?" "How would you help a parent find a book for their child if they don't remember the title?" "How would you respond to teenagers playing loud music?" I answered professionally and thoughtfully, and they asked me to come back for an interview. I was told to prepare a children's book storytime presentation with props, so I made a backdrop and little popsicle stick puppets for Tacky the Penguin, my favorite picture book from elementary school.

I had a lot of fun crafting everything and practicing my read-through with funny voices.

I colored in the final map, I just forgot to take a picture of it

Goodly, Lovely, Angel, Neatly, Perfect, and Tacky

"We're going on a penguin hunt, we'll mark em with a switch, then we'll sell em for a dollar and get rich, rich, rich!"

I absolutely bombed the interview. I was a nervous wreck, I kept stumbling over my words, I drew multiple complete blanks during their questions, and a lot of my answers trailed off into "well, yeah, you know what I mean..." Dumpster fire. 57 dead, 193 injured. I spent the next month dreading every single email I got because I was waiting to read the inevitable "unfortunately."

It was so much worse than that.

After enough time had passed I assumed they were simply going to ghost me, so I forgot about it and moved on, and then out of the blue they emailed me back with a form letter that began "dear sir or ma'am," which hurt a lot because I personally spoke to the hiring lady three times and all her other emails (including the form ones) had the courtesy to start with my name in all caps. They took the time to fill in the blank before, but not this time. Didn't even say "unfortunately," they were really blunt, "you were not chosen to move forward with the hiring process." Damn.

Well, I just moved back up to Gainesville and I saw that they county is still hiring for that same position at a different library that's closer to my apartment. I sent out a Hail Mary application thinking they'd reject me sight unseen, but they must have liked my cover letter because they want me to come back and take the test again. I don't remember every single question, but if it's anything like last year's I'll want to brush up on my English literature. I have to go in on Tuesday morning, so I have all weekend to study.

If I pass, they'll interview me again, and this time I hope they don't make me do another puppet show. My dad keeps making fun of me for it, like I just decided to bring puppets into it for no reason when they very specifically asked me to. It was one of the requirements. The word "puppets" was on the rubrick, but my dad acts like I'm mentally disabled, "dese are mah fwiends, dey gib me mowal suppowt, pwease n fank you!" Does he think I just choose to make puppets and bring them to job interviews for shits and giggles? Does he think I'm divorced from reality? Or is he just a heartless asshole who likes being cruel?

My old job paid me $15/hour for 31½ hours per week, $472.50 before taxes, around $420 take-home (88-89%). This library job offers $16.10 for a full 40 hours, $644.00 before taxes, around $570 net if they take out the same percentage. If I round down to 85% instead, I'd take home just shy of $550 per week, which is 131% of what I used to make. My rent is $600 per month, and my I qualify for $0 monthly payments on my student loans under the SAVE Plan, so I'd be flush with cash for once in my life and I'd have a job that doesn't make me want to kill myself!

This would be absolutely perfect! I really hope it works out this time. I know the gist of what they're going to ask me, so I'll be better prepared when it comes time to interview. Wish me luck.

[loansmee]

Discover various personal loan options and learn how to apply online with ease. This comprehensive guide covers the application process, benefits, and types of personal loans available. Explore expert tips, FAQs, and practical advice to help you secure a personal loan seamlessly and efficiently, ensuring you make informed financial decisions.

[masllp]

Company Registration Delhi by MASLLP: Your Gateway to Success

Starting a business in Delhi, India’s bustling capital, is a dream for many entrepreneurs. With its vibrant economy, diverse markets, and a supportive ecosystem for startups, Delhi offers immense opportunities. However, one of the critical first steps is company registration, which lays the foundation for a legally recognized and operational business. At MASLLP, we simplify the process, helping you navigate the complexities with ease and efficiency. Why Register Your Company? Company registration is essential for any business to operate legally. Here’s why it’s important: Legal Recognition: It gives your business a distinct identity and ensures compliance with government regulations. Trust and Credibility: A registered company gains more trust among customers, investors, and suppliers. Tax Benefits: Enjoy various tax advantages and exemptions available to registered businesses. Access to Funding: Only registered companies are eligible to secure bank loans or attract investors. Types of Companies You Can Register in Delhi MASLLP assists businesses in registering various types of entities, including: Private Limited Company Limited Liability Partnership (LLP) One Person Company (OPC) Sole Proprietorship Partnership Firm Section 8 Company (Non-profit organizations) Steps for Company Registration Delhi At MASLLP, we make the registration process straightforward and hassle-free. Here’s an overview of the steps involved: Choose Your Business Structure: Decide on the type of company that suits your business goals. Name Approval: We help you select a unique and compliant company name. Documentation: Submit essential documents like PAN, Aadhar, address proof, and other required details. Digital Signature Certificate (DSC) and Director Identification Number (DIN): We assist in obtaining these mandatory credentials. Incorporation Application: Filing the incorporation application with the Ministry of Corporate Affairs (MCA). Certificate of Incorporation: Once approved, you receive the Certificate of Incorporation, making your company officially registered. Why Choose MASLLP? MASLLP stands out as a reliable partner for company registration Delhi due to the following: Expert Guidance: Our team has extensive experience in handling complex registration processes. End-to-End Support: From documentation to compliance, we manage everything for you. Quick and Hassle-Free Process: We ensure your registration is completed in the shortest possible time. Customized Solutions: Tailored services based on your business type and requirements. Documents Required for Company Registration To ensure a smooth process, keep the following documents ready: PAN card of directors/partners Address proof (electricity bill, water bill, etc.) Passport-sized photographs Business address proof (rent agreement or property papers) Conclusion Registering your company is the first step toward building a successful business in Delhi. With MASLLP by your side, the process becomes seamless and stress-free. Our expert team takes care of all the intricacies, ensuring your business complies with all legal requirements. Let MASLLP help you turn your entrepreneurial vision into reality. Contact us today for professional assistance with company registration Delhi!

[techminsolutions]

ONE PERSONAL LOAN FOR ALL YOUR NEEDS - INTRODUCING INCRED

If you’re in need of a personal loan, you might be wondering where to turn. There are so many lenders out there, it can be overwhelming. But have you heard of InCred? This lender offers personal loans ranging from ₹3 lakhs to ₹8 lakhs, with a starting interest rate as low as 16% per annum. Let’s take a closer look at what InCred has to offer. EASY APPLICATION PROCESS One of the top benefits of…

[luxe-pauvre]

It is hard not to feel that this is the kind of society we are rapidly becoming. Many of the AI systems being incorporated into institutions, government agencies, and corporations are black-box models, relying on mathematical calculations so complex that it’s impossible to know how they reach a particular decision, prediction, or recommendation. These models currently aid judges in sentencing decisions, determine which neighborhoods are patrolled by police departments, and recommend which loan applications should be approved. These technologies account for quantities of data no human can process. But for all their superior abilities, they have not managed to avoid the kinds of patterns to which humans are prone. Recidivism-assessment models assign higher risk scores to black defendants; recruitment algorithms rate women as less desirable than men for technical jobs. Because these algorithmic decisions are informed by historical data—which loans have been approved in the past, which crimes have been subject to harsh sentencing—they tend to reinforce historical biases, a problem the journalist Cade Metz compares to “children picking up bad habits from their parents.” Defenders of these technologies often reply that human decisions are just as unthinking: we, too, often function on autopilot; we, too, get stuck in feedback loops, making the same decisions we’ve made in the past, not realizing that we are spurred by simple familiarity. But even the most ingrained human behaviors are accompanied by sensations that prompt us to pause and recalibrate when something goes wrong—a truth well known to anyone who has caught themselves driving home to a previous residence or gagging on the hemorrhoid cream they’ve mistaken for toothpaste. Ravaisson calls habit the “moving middle term,” a disposition that slides along the continuum between rote mechanism and reflective freedom. Weil, who similarly saw habit as a continuum, believed that we should strive to remain on the reflective side of that spectrum. The Stoics advised nightly meditation, so as to judge the virtue of the actions they’d taken that day, and Charles Sanders Peirce, the father of pragmatism, noted that in cases where habits have begun to work against a person’s interests, “reflection upon the state of the case will overcome these habits, and he ought to allow reflection its full weight.” It is this connection to thought that allows habits to remain fluid and flexible in a way that machines are not. Habits are bound up with the brain’s plasticity, a term James describes as “a structure weak enough to yield to an influence, but strong enough not to yield all at once.” Unlike algorithms, which lock in patterns and remain beyond our understanding, habits allow us to negotiate a livable equilibrium between thought and action, maintaining, as Weil puts it, “a certain balance between the mind and the object to which it is being applied.”

Meghan O’Gieblyn, Routine Maintenance

[pmegploan]

Best PMEGP loan : Government Support for Starting Your Own Business.

At sharda Associates The Prime Minister's Employment Generation Programme (PMEGP) is a government scheme in India that gives financial help to individuals who want to create small companies. It aims to create jobs and encourage self-employment, particularly in rural and semi-urban areas. Here's a simplified view of the scheme

What is PMEGP?

PMEGP Loan provides financial assistance to people starting new small enterprises by offering a loan with a subsidy. The Ministry of Micro, Small, and Medium Enterprises (MSME) manages it, while the Khadi and Village Industries Commission (KVIC) oversees its implementation.

Key Features:

1 Loan Amount

Manufacturing enterprises might receive up to ₹25 lakh.

Service enterprises, such as beauty salons or repair shops, can receive up to ₹10 lakh.

2 Government subsidy:

Rural areas:

25% of general category applications.

35% for special categories (such as SC/ST, women, and those from the Northeast).

Urban areas

15% for general category applications.

Special categories are eligible for 25% off.

Who can apply?

1 Eligibility:

Any Indian citizen above the age of 18.

Applicants for projects costing more than ₹10 lakh (manufacturing) or ₹5 lakh (services) must have finished 8th grade.

Self-help groups (SHGs), cooperative organizations, and charitable trusts can all apply.

2 Personal Investments:

General candidates must invest 10% of the project cost themselves.

Special category applicants must invest only 5%.

How do I apply?

1 Application Process:\

Apply online using the PMEGP portal at Official kvic Main.

Upload documents such as ID, address verification, educational certificates, and a business plan.

2 Selection and Loan approval:

A District-Level Task Force Committee will contact you to schedule an interview.

Once approved, the bank sanctions the loan and credits the government subsidy to your loan account.

3 Repayment:

The loan must be repaid within 3-7 years, however the subsidy does not have to be paid back.

4 Training:

All PMEGP grantees are required to complete a brief company management training program.

Example of How PMEGP Loans Work

Suppose you wish to start a small manufacturing plant in a rural region for ₹20 lakh.

For those in the general category, the government will provide a 25% subsidy, amounting to ₹5 lakh.

The bank offers a loan of ₹15 lakh, and you simply need to invest ₹2 lakh from your savings.

Why is PMEGP beneficial?

project report for PMEGP loan assists people in starting enterprises without the requirement for a large initial investment. This loan is ideal for young enterprises as it requires no collateral (up to ₹10 lakh) and offers long payback terms.

Summary

The PMEGP initiative is a useful approach to start a small business with government assistance, particularly if you come from a rural or underprivileged background. It encourages employment generation and economic development. For additional information, please visit the official PMEGP website or contact your nearest KVIC office.

PMEGP: Helping You Start Your Own Business with Government Support. For details and to reach us, visit https://shardaassociates.in/ contact us : 91 79870 21896 , address : HIG B-59, Sector A, Vidya Nagar, Bhopal, Madhya Pradesh 462026

[faeriekit]

Hey faeriekit! I love seeing your library posts because I'm actually attempting to get a degree in Library Media. It was a long forgotten childhood dream of being a librarian and while I put it down for a while it feels like coming full circle. Any advice or know how you feel like giving for someone who has no idea what she's potentially getting herself into? Thanks!

Hi, sorry it took me so long to respond; my brain exploded. Which. Wasn't very conducive to answering questions.

Okay, my concentration/specialty was always going to be public librarianship, so the closest intersection I've had with other specialties were Archival and Academic and Teaching concentrations. You're looking at what seems to be a media concentration...? Far out. Whatever you want to do in regards to media preservation and librarianship, just make sure that whatever programs you're applying to, you pick a school with a concentration/specialty that moves the needle closer to that goal. This database of ALA accredited programs lets you search by concentration as well as style of course, location, etc. If you're outside the US, uh...not sure how to help you navigate that, unfortunately. 😅 You'll likely follow a similar process depending on the needs of your career wherever you intended to work in the future.

Secondly, don't forget, this is a grad school application; you'll have to round up your recommendation letters, testing scores, transcripts, and all that other horrible paperwork that proved that you have a bachelor's degree and didn't flake out the whole while. It will be annoying. You will spend a lot of time looking at application pages on the schools' website. Ugh, it made me so exhausted lol. You'll also have to remember that this is something you'll have to pay for; my degree cost me maybe... $4000-$6000 a month when I went full time for four semesters. That adds up! Are you going for a loan? Paying out of pocket? Only going part time? It all changes how you plan to approach library school!

(I went online and full time, even when I was working full time. It did save me $$ and time but I was also so stressed I wrote Blister pack nonstop, so. Maybe not smart for long term mental health reasons.)

Have you been in a library lately? Done work there recently? If I were you, I would add a couple of volunteering hours at the local library to your schedule if possible; being around people who understand the material inside and out and having them available for questions makes a big difference long-term. I have never seen anyone struggle more in library school than people who had never done any kind of work in a library. There is lingo that isn't as natural to them, concepts they don't immediately grasp...seeing it in person helps put everything into perspective. A couple hours here and there helps; if not, I would do your HW at a library instead, and make it clear to the staff what you're up to so that they recognize you! This really helps when you have to do stuff like interview assignments or eventual job search advice!

I want to say "go online and asynchronous; it's cheaper and easier on your schedule". And this is true. But everyone I know seems to think that in person or synchronous courses help keep them focused and grounded in what's going on and able to keep up with the curriculum better...and then I see the suffering immensely from the burdens of synchronized courses on their schedule, which proves my point, so...that was advice my boss gave me way back when, and it served me well.

Even if you don't immediately join your state library association (again, if you are in the US), try to get on their mailing list. Usually they have their own job board, resources, newsletters, etc.

I will say, the job market right now is whack and library jobs are usually pretty scarce in general. There's always competition, it's hard to get paid anything remotely close to a living wage, and every ten minutes there's news about how librarians are actually evil for leaving books on the shelves that Moms of Liberty hate, or whatever they're on about. Also [Current US Gov Status: BAD] at the moment, which may impact future budgets, which, again, will lead to a decrease in available jobs. I would keep whatever job you're currently in tucked neatly into your back pocket, because who knows what the future holds.

That being said, I've had my best career moments and amazing coworkers all at the library; I love what libraries stand for, I love what we do, and I love how we do it. I love the people I meet, and I love the programs we get to put on. I love my job. Working at a library is worth a whole lot; the hard part is just, you know...getting there.

(And I had a very easy way in compared to other people; online schooling in early 2021 was very easy to get into.)

Ummm...library good. I hope you're happy with your plans. Just. Uh. Plan for a lot of time to spend applying to a lot of places. If you have any more specific questions, let me know! I will probably be here. Unless. IDK. Something else very big and legal blows up I suppose.