#business od loan

[anamika-malhotra]

Maintaining liquidity is essential for day-to-day operations. Cash flow gaps can arise unexpectedly, and having access to quick, flexible financing solutions can be crucial. One such solution is the Business Overdraft (OD) Loan, often referred to as the "Business Overdraft Facility" in local parlance. This financial product is tailored specifically for small business owners and traders (dukandars), providing them with a safety net to manage short-term cash flow needs. This article explores the features, benefits, and considerations of the Business Overdraft Loan, focusing on its relevance and application in the business world.

Understanding Business Overdraft (OD) Loan

A Business Overdraft Loan is a credit facility provided by banks and financial institutions that allows businesses to withdraw more money from their current account than they have deposited. Unlike traditional loans, which provide a lump sum amount upfront, an overdraft facility offers a revolving credit line up to a predetermined limit. This limit is often based on the borrower's creditworthiness, business turnover, and collateral offered.

Features of Business Overdraft (OD) Loans

Flexible Credit Limit: The overdraft limit is usually determined based on the business's financial health and credit profile. It can range from a few thousand dollars to several million, depending on the size and nature of the business.

Interest on Utilized Amount: Unlike a term loan, where interest is charged on the entire loan amount, an overdraft facility charges interest only on the amount utilized. This makes it a cost-effective option for managing short-term liquidity needs.

Revolving Credit Facility: The overdraft facility operates as a revolving credit line, allowing businesses to borrow, repay, and borrow again within the approved limit. This flexibility helps manage cash flow fluctuations without the need for repeated loan applications.

Secured and Unsecured Options: Depending on the borrower's credit profile, banks may offer secured or unsecured overdraft facilities. Secured overdrafts require collateral, such as property or inventory, while unsecured overdrafts are based on the business's creditworthiness.

Convenient Repayment: Repayment schedules for overdraft facilities are flexible, with businesses often required to make minimum monthly payments. Full repayment can be made at any time, reducing interest costs.

Benefits of Dukandar Overdraft Facility

Immediate Access to Funds: The primary advantage of a Business Overdraft Loan is the immediate access to funds it provides. This is particularly beneficial for small business owners who may face sudden expenses or delays in payments from customers.

Cost-Effective Solution: Since interest is only charged on the utilized amount, businesses can save on interest costs compared to a term loan where interest accrues on the entire borrowed sum.

No Prepayment Penalties: Businesses can repay the overdraft amount at any time without incurring prepayment penalties, offering flexibility in managing cash flows.

Enhances Business Credit Score: Regular use and timely repayment of an overdraft facility can help improve the business's credit score, making it easier to secure future financing.

Support for Seasonal Businesses: For businesses with seasonal revenue fluctuations, such as retail stores or traders, the overdraft facility provides a cushion to manage off-season expenses.

Considerations Before Opting for an Overdraft Facility

While the Business Overdraft Loan offers numerous benefits, there are several factors businesses should consider:

Interest Rates: Overdraft facilities often come with higher interest rates compared to traditional loans. It's essential to compare rates across different banks and financial institutions.

Overdraft Fees: Some banks charge fees for overdraft facilities, such as annual maintenance fees or penalties for exceeding the credit limit. Businesses should be aware of these charges and factor them into their cost calculations.

Collateral Requirements: For secured overdrafts, businesses need to provide collateral. The type and value of collateral required can vary, and in the event of default, the collateral may be seized.

Credit Limit Restrictions: The overdraft limit is typically lower than other forms of business financing. This may not be sufficient for businesses with larger financing needs.

Impact on Credit Score: While regular repayment can improve credit scores, excessive use of an overdraft facility or failure to repay can negatively impact the business's credit profile.

Conclusion

The Business Overdraft Loan, or Dukandar Overdraft Facility, is a versatile financial tool that offers small business owners and traders a flexible solution to manage cash flow needs. With its revolving credit structure, interest-on-utilized amount feature, and immediate access to funds, it is particularly suited for businesses facing short-term liquidity challenges. However, it's crucial for business owners to carefully assess their financial situation, compare options, and understand the associated costs and risks before opting for this facility. By doing so, they can leverage the benefits of the overdraft facility while ensuring sustainable financial health for their business.

[tanya029]

The Business Overdraft (OD) Loan, often marketed as the Dukandar Overdraft Facility This facility is tailored to meet the unique needs of businesses, especially retail businesses (dukandars), providing them with a financial cushion to manage short-term liquidity challenges.

What is a Business Overdraft (OD) Loan?

A Business Overdraft Loan is a credit facility provided by banks and financial institutions that allows businesses to withdraw more money than what is available in their current account, up to a specified limit. This limit is determined based on the creditworthiness of the business and its financial health. The overdraft amount can be used for various business purposes, such as purchasing inventory, paying suppliers, managing operational expenses, or covering unforeseen expenses.

Features of a Business Overdraft Loan

Flexible Withdrawals: Businesses can withdraw funds as needed, up to the approved limit, and repay the amount as per their cash flow convenience.

Interest on Utilized Amount: Interest is charged only on the amount utilized, not on the entire overdraft limit. This makes it a cost-effective solution compared to traditional loans.

Revolving Credit: The overdraft facility acts as a revolving credit line, allowing businesses to borrow, repay, and borrow again within the approved limit without the need for a fresh loan application.

No Collateral Required: Many banks offer unsecured overdraft facilities to small businesses, though the terms may vary based on the business's credit profile.

Quick Approval and Disbursement: The application process for an overdraft facility is generally quicker than traditional loans, with minimal documentation required, enabling faster access to funds.

Dukandar Overdraft Facility: Tailored for Retailers

The Dukandar Overdraft Facility is specifically designed for retail businesses, acknowledging the unique cash flow challenges faced by retailers. Here’s how this facility benefits retail businesses:

Seasonal Cash Flow Management: Retailers often experience fluctuating cash flows due to seasonal demand. The overdraft facility helps manage these variations by providing easy access to funds during peak seasons and allowing repayment during off-peak periods.

Inventory Management: Retail businesses need to maintain adequate inventory to meet customer demand. The overdraft facility provides the necessary liquidity to purchase inventory without disrupting the cash flow.

Handling Operational Expenses: Daily operational expenses such as salaries, rent, and utilities can be managed efficiently with the overdraft facility, ensuring smooth business operations.

Meeting Unforeseen Expenses: Retailers can face unexpected expenses due to market changes, economic fluctuations, or emergencies. The overdraft facility acts as a financial safety net in such situations.

How to Apply for a Dukandar Overdraft Facility

Applying for a Dukandar Overdraft Facility typically involves the following steps:

Eligibility Check: Ensure your business meets the eligibility criteria set by the bank or financial institution. This may include factors like business vintage, annual turnover, and credit history.

Documentation: Prepare the necessary documents such as business registration certificates, bank statements, financial statements, and any other documents required by the lender.

Application Submission: Submit the application form along with the required documents to the bank or financial institution.

Credit Assessment: The lender will assess your business’s creditworthiness and financial health to determine the overdraft limit.

Approval and Agreement: Once approved, you will receive an overdraft agreement detailing the terms and conditions, including the interest rate, repayment terms, and overdraft limit.

Access to Funds: Upon signing the agreement, the overdraft limit will be activated, and you can start withdrawing funds as needed.

Conclusion

The Business OD Loan, particularly the Dukandar Overdraft Facility, is a vital financial tool for retail businesses, offering the flexibility and liquidity needed to manage cash flow effectively. Providing access to funds when needed enables retailers to maintain operations smoothly, manage inventory efficiently, and navigate through financial uncertainties with confidence. For any retail business looking to enhance its financial agility, the Dukandar Overdraft Facility is an excellent option.

[penelopelima]

A while back I went on a rant about how the US was complicit with Franco's fascist regime in Spain and how the tale of Spain's neutrality during WWII benefited the allied countries economically and strategically. President Truman denounced the fascist dictatorship publically, while negociating with Franco in secret to establish military bases on our ground, not even five years after the end of the war (of which, by the way, the US claims to be the saviours of democracy and victors against fascism).

Here's an excerpt of a poem by Rafael Alberti, who at the time was exiled to escape imprisonment and death at the hands of the regime.

Juan Panadero against the sellers and buyers of Spain 1 Secret revelations: Blue Spain* is no longer worth even the edge of two pesetas. 2 "Ah, what a yellow business! I am now Truman's Ferrol** and not El Caudillo's*** Ferrol." 3 Ah, Ferrol, Ferrol, Ferrol! over your sea, the dollar— I mean, the sun rises. 4 Who will explain such a mistery? Facing the sun****, do I realize that this sun has the same face, 5 that the sovereign blue of the shirts glitters with northamerican gold, 6 that rather than the Falange are the new bankers, the ones counting bright stars. 7 And please, stop counting now. For all accounts, nothing's left for Spain to count, but tears. 8 Who flies already across her skies? Who marches along her roads? Who scratches her sea with their wake? 9 Who, from the north to the south ties her? who from the east to the west wrings her? who her deep skin tears? 10 Her buyers arrived. Blood wolves, they shared one face with her sellers. 11 The same butcher's howl, the same mourning claws to squeeze her money out. 12 "Here are my wonders." And the blue wolf kneeled and licked the dust from the ground. 13 With his tongue and not his hand, took the money, and for dust was the hispanic bull***** sold. 14 Bull, of such a strong start! Good bull for the war and in the war, to give him death! 15 Bull, for the slaughterhouse! But no spaniard or foreigner can slit that bull open. 16 Bull of courage! Here, little Spanish bull, your time is about to come! 17 You are not in this world on your own. the tide is rising within you, the outer waves are reaching you. 18 Awake are they, are we: your children who remained, and those of us who were forced to flee.

*: Blue is used throughout the poem to represent the Falange, the fascist political party that supported Franco. Blue was the colour of their uniforms' shirts.

**: Ferrol was one of the cities, along with Mahón, Cartagena, Cádiz and Santander, whose seaports interested president Truman so much, that he loaned Franco credits valued in hundreds of millions of dollars in exchange for their military control. All while maintaining the official posturing of condemnation of the regime.

***: El Caudillo (commander) was one of the titles of Franco during his dictatorship.

****: "Facing the sun" (cara al sol) is the hymn of the Falange. This whole strophe is a play on the word, equating the "sun" of fascism with the "sun" of capitalism.

*****: The bull is used throughout the poem as a symbol of the subjugated spirit and freedom of the people of Spain. The rest of the poem is a call to resistance for all those who remained in Spain and those who were forced to leave to save their lives. Such resistance was alive in the time, but met with extreme violence and repression.

The translation is mine and very rushed, and I was more worried over preserving the content than the form of the poem, which is written in a deceptively simple style with rich, painterly metaphors and extremely precise consonant rhyming pattern.

However, this is probably the first translation of this text (other works by the poet have been translated), or any of this book (Coplas de Juan Panadero) into English, since the whole of it is an ode to anti-imperialism and a brutal satire of capitalism and fascism.

[nuclearhugs]

Hi! Banker, here! I think there might be a little bit of a misunderstanding in the post above.

While *yes*, it is ABSOLUTELY your right to opt-out of overdraft protection services (ODP) and their associated fees, there are still instances in which they can legally be applied.

In the US, overdraft services are opt-in. What does that mean? Well, it means that you can choose not to use them.

However, if you do opt-in you absolutely, 100%, can be charged fees. When you opt in, you agree to that Financial Institution's overdraft policies. E.g. getting charged a fee if you overdraft.

Let me make an example.

Person A has $100 in their account and they DID opt into overdraft protection services. If they tried to make a purchase, let's say for $150?, their bank will let that charge go through-- BUT Person A will also get charged a fee in accordance to their FI's policy. So if the fee is $25, and the purchase was $150 (they were short $50), they're now negative $75.

And that sucks-- but for some people, paying that fee and having the charge go through is the difference between groceries for the week or going hungry. The ODP fee is the price you pay for your FI essentially lending you those $50 you were short.

Person B, meanwhile, also made the same purchase but does NOT have overdraft protection. That person simply won't see the charge go though. The purchase for $150 will get declined, and they also won't see the fee. Their balance says at $100.

If you don't want to see ODP fees, you need to read your account disclosures! As someone who's opened accounts, I can tell you that 95% of people sign without reading or waiting for an explanation. It's true that there are people who opt-in without realizing it. In fact, it's a big problem in the industry!

If you want to opt-in or opt-out you can do so at any time! Accidently agreed to have ODP? Call them and ask for your status to be changed (this will likely require your signature, just so you're aware).

There are TONS of predatory fee practices-- especially at bigger banks. They're relying on the fact that you don't know what you're opting into and that most people won't bother calling about those fees.

But it's misleading to say that there's never an instance where you can be charged a fee. There are! Lots of them! Ask for your FI's "fee schedule" if you want to see all the little things you automatically agreed to when you opened your account. They're always included in your packet of paperwork when you open an account-- you agreed to them, even if you never bothered to go through your packet!

If a shitty bank charged you an ODP fee that you didn't opt into, report them to the FDIC! That's a crime!!

What can I do?

For starters-- ditch the bank. Find a NCUA insured Credit Union in your area and move your accounts. Small and local is the key here.

Credit Unions are:

-Not for profit (no OD Boats here!) This means there are WAY less fees. Most CU accounts are 110% free. If they do have fees, they're going to be smaller and less frequent. Way easier to avoid!

-Owned by their members (you pay a "share" (usually like $15) when you open your account. This is your part of the CU. They give it back when you close your account). You can vote in their annual meeting and make decisions about policy as a community. Good CUs have a board made up entirely of community members.

-Community focused (They can ONLY open accounts/loans for people in their physical area! Their priority is YOU! And your community!)

-If you go to a small, local credit union, you're going to get Friendly Local Service™ and while you may have to wait in a phone queue for a minute if it's busy, you're always going to get a real person.

TLDR; Read your account paperwork and make sure that you are, in fact, opted out of Overdraft Protection Services. If you're opted-in, your financial institution absolutely CAN charge you a fee. Fuck banks, go to a credit union.

you don't have to pay overdraft fees ever

the biden administration recently cracked down on overdraft fees which means banks cannot force you to pay them as they have become opt-in -- however you do have to call the bank (for example, paypal payments overdraft you even if you have opted out, as they function like checks.)

my experience is with wellsfargo but i imagine that most major banks may operate similarly:

if you have an overdraft fee, call the bank, you will get a machine. go through the autentification process with it but do not mention your issue when it asks you to (specially not the word overdraft -- this is a conspiracy theory i cannot prove but i swear to god they rewire you to more aggressive phone people if you tipoff the machine) instead say "i'd like to speak to a representative" the machine will be like "lol didn't get that" so you may need to repeat it a couple more times before it wires you to a real person

wait! i'd recomend calling as early in the morning as possible to avoid elevator music.

be nice to the customer service person who picks up (i make a point of thanking them for their help and calling them by their name, if i don't catch it the first time i ask them again for it)

my script is something along the lines of: "hi, i noticed there's an overdraft fee in my account that posted on [date]. i am calling to see if we (WE -- you and the representative are a team against the problem) could do something about it" (<- you may decide to be more direct, i just put my innocent hat on)

most if not all of what they say to you is a script. they will be like "i will check that for you with the automated process that takes into account you previous refund activity" BLAH BLAH BLAH. more waiting. if you have had any refunds in the past 12 months, they will be like "sorry the system says no (:" THOUGH, VERY RECENTLY, they have tacked on this question: do you have any thoughts on that / how do you feel about that / etc. though even if they do not prompt you, here's the next step:

say: thank you! i appreciate the automated review, however i do not agree/approve/consent to being charged a fee. is there any way you could check again / anyone else i could talk to / would it be possible to refund it regardless? etc.

they will check again, possibly more waiting, and then you will get an immediate refund! in the rare case they refuse to, here is the link to the FDIC website that you can refer to (note, this is for overdraft fees only):

8. i cannot emphasize this enough -- be nice !!!!!!!!!!! BE NICE! be cheerful, say "thank you" and "no worries" and "take your time!". it is NOT a confrontation, it is NOT their fault, and most of the time the customer service representative wants this to be as frictionless as possible. they are helping you, use the opportunity to make a moment of their day a lot less stressful than they expect it to be.

that is ALL -- i have been using wellsfargo for over eight years, and have lost hundreds of dollars to predatory overdraft fees charged as a punishment for having no money.

during the beginning covid, when they were momentarily suspended (you had to mention covid on the phone to get them back lol), i came to the realization that all of this time they could have been giving me my money back. there was no reason not to, except corporate greed.

do not let phone social anxiety let them take your money from you, now that it is easier than EVER to get it back. and if you need motivation to pick up the phone, remember this headline from a couple of years back lol:

DEATH TO CAPITALISM !!!!!!

[companyknowledgenews]

Diaspora stalwart Dr Karren Dunkley humbled to receive OD - Information Important Web https://www.merchant-business.com/diaspora-stalwart-dr-karren-dunkley-humbled-to-receive-od/?feed_id=210638&_unique_id=66f2d9d68609a #GLOBAL - BLOGGER BLOGGER For service to the Jamaican Diaspora in the United States, Dr Karren Dunkley will be conferred with the Order of Distinction (OD), in the rank of Officer, on National Heroes Day, October 21.The daughter of a corrections officer and an insurance salesman, Dr. Dunkley, whose mantra is “To serve is to live”,  recalls spending many summers in Elderslie, St Elizabeth, which is the birthplace of her parents and grandparents.Dr Dunkley grew up in Ensom City, St Catherine, where she attended St Catherine High School and graduated as valedictorian in 1989, before transitioning to Wolmer’s Girls for sixth form.She then moved to the United States on a student visa to pursue an undergraduate degree in political science and education at St John’s University.“When I came, like most immigrants, I had to work and put myself through school. Sometimes I was working three jobs at once. I waited tables, I had a cleaning company, just to make ends meet,” she revealed in a recent interview.  On completing university, her plan was to return to Jamaica, so she settled her credit cards, gave up her apartment, sold her car and then a phone call from St John’s offering her a full scholarship to pursue a Master’s in International Law changed the trajectory of her life.“I took that scholarship and the rest was history. I ended up being here from that time. I never went back home,” she notes.With a Doctorate in urban education from Columbia University’s Teachers’ College, Dr Dunkley has excelled as a deputy superintendent, principal, teacher, and coach, deeply committed to advancing educational equity and excellence.Though not physically in Jamaica, her passion for helping to develop the country has never wavered.She notes that she has several businesses in the land of her birth.“I have been one of those Jamaicans who have had the opportunity to come to the United States but have always planted roots in Jamaica and ensured the viability of the Jamaican ecosystem and infrastructure,” she said. From January 2020 to December 2022, Dr Dunkley served as the Global Jamaica Diaspora Council Representative for the Northeast United States, which covers 14 states, where she played a pivotal role in fostering partnerships that advance Jamaica’s national development goals.“I led during the unprecedented COVID-19 pandemic with a team of phenomenal individuals across the 14 states,” she says, noting that some 52 events were spearheaded by her team over the three-year period.During her tenure, Dr Dunkley created infrastructure for inclusive engagement across states by establishing a think tank comprised of state leads and sector leaders in the areas of health and wellness, education and innovation, economic development and empowerment, crime and citizen security and faith-based partnerships.Along with her team, Dr Dunkley secured US$3.6 million in forgivable government loans and grants through technical assistance for more than 30 small businesses.Her team also provided temporary housing, food, financial, and counselling assistance for 125 international students who were displaced by the pandemic and collaborated with Remnant Church of God Seventh-day to feed 300 families weekly across Pennsylvania.In addition, she led the registration of more than 500 individuals across Massachusetts, New York, New Jersey, and Pennsylvania for Census 2020; provided pro-bono immigration assistance to 25 international students through immigration attorneys; engaged in policy discussions and advocacy with various government ministries and agencies, primarily the Ministry of Foreign Affairs and Foreign Trade; and activated critical partnerships with the Embassy of Jamaica in Washington DC.Dr Dunkley’s contributions to academics, philanthropy and the diaspora have garnered her a long list of accolades.

“I am energised by giving and by serving. The greatest gift in terms of serving the diaspora in this capacity has been the Jamaican people. I have to commend the team – the think tank, our sector chairs and our state chairs, who are absolutely fantastic.“Even the young people who were stranded in Ukraine, we were one of the first calls, because people knew that we had built this ecosystem. I’m just privileged to have the opportunity to serve others,” Dr. Dunkley said.  She describes herself as a “quiet worker and giver” who has always believed in advocacy and national advancement.Dr Dunkley is humbled and honoured to be a recipient of the Order of Distinction.“I don’t do service with any expectation of reward, so it’s a tremendous honour and I share this honour with all my partners in the diaspora,” she said.“Diaspora stalwart Dr Karren Dunkley humbled to receive OD Loop News Reporter Tue, 09/24/2024 – 08:52…”Source Link: http://jamaica.loopnews.com/content/diaspora-stalwart-dr-karren-dunkley-humbled-receive-od http://109.70.148.72/~merchant29/6network/wp-content/uploads/2024/09/pexels-photo-3751280.jpeg For service to the Jamaican Diaspora in the United States, Dr Karren Dunkley will be conferred with the Order of Distinction (OD), in the rank of Officer, on National Heroes Day, October 21. The daughter of a corrections officer and an insurance salesman, Dr. Dunkley, whose mantra is “To serve is to live”,  recalls spending … Read More

[bravecompanynews]

Diaspora stalwart Dr Karren Dunkley humbled to receive OD - Information Important Web - #GLOBAL https://www.merchant-business.com/diaspora-stalwart-dr-karren-dunkley-humbled-to-receive-od/?feed_id=210637&_unique_id=66f2d9d587f60 For service to the Jamaican Diaspora in the United States, Dr Karren Dunkley will be conferred with the Order of Distinction (OD), in the rank of Officer, on National Heroes Day, October 21.The daughter of a corrections officer and an insurance salesman, Dr. Dunkley, whose mantra is “To serve is to live”,  recalls spending many summers in Elderslie, St Elizabeth, which is the birthplace of her parents and grandparents.Dr Dunkley grew up in Ensom City, St Catherine, where she attended St Catherine High School and graduated as valedictorian in 1989, before transitioning to Wolmer’s Girls for sixth form.She then moved to the United States on a student visa to pursue an undergraduate degree in political science and education at St John’s University.“When I came, like most immigrants, I had to work and put myself through school. Sometimes I was working three jobs at once. I waited tables, I had a cleaning company, just to make ends meet,” she revealed in a recent interview.  On completing university, her plan was to return to Jamaica, so she settled her credit cards, gave up her apartment, sold her car and then a phone call from St John’s offering her a full scholarship to pursue a Master’s in International Law changed the trajectory of her life.“I took that scholarship and the rest was history. I ended up being here from that time. I never went back home,” she notes.With a Doctorate in urban education from Columbia University’s Teachers’ College, Dr Dunkley has excelled as a deputy superintendent, principal, teacher, and coach, deeply committed to advancing educational equity and excellence.Though not physically in Jamaica, her passion for helping to develop the country has never wavered.She notes that she has several businesses in the land of her birth.“I have been one of those Jamaicans who have had the opportunity to come to the United States but have always planted roots in Jamaica and ensured the viability of the Jamaican ecosystem and infrastructure,” she said. From January 2020 to December 2022, Dr Dunkley served as the Global Jamaica Diaspora Council Representative for the Northeast United States, which covers 14 states, where she played a pivotal role in fostering partnerships that advance Jamaica’s national development goals.“I led during the unprecedented COVID-19 pandemic with a team of phenomenal individuals across the 14 states,” she says, noting that some 52 events were spearheaded by her team over the three-year period.During her tenure, Dr Dunkley created infrastructure for inclusive engagement across states by establishing a think tank comprised of state leads and sector leaders in the areas of health and wellness, education and innovation, economic development and empowerment, crime and citizen security and faith-based partnerships.Along with her team, Dr Dunkley secured US$3.6 million in forgivable government loans and grants through technical assistance for more than 30 small businesses.Her team also provided temporary housing, food, financial, and counselling assistance for 125 international students who were displaced by the pandemic and collaborated with Remnant Church of God Seventh-day to feed 300 families weekly across Pennsylvania.In addition, she led the registration of more than 500 individuals across Massachusetts, New York, New Jersey, and Pennsylvania for Census 2020; provided pro-bono immigration assistance to 25 international students through immigration attorneys; engaged in policy discussions and advocacy with various government ministries and agencies, primarily the Ministry of Foreign Affairs and Foreign Trade; and activated critical partnerships with the Embassy of Jamaica in Washington DC.Dr Dunkley’s contributions to academics, philanthropy and the diaspora have garnered her a long list of accolades.

“I am energised by giving and by serving. The greatest gift in terms of serving the diaspora in this capacity has been the Jamaican people. I have to commend the team – the think tank, our sector chairs and our state chairs, who are absolutely fantastic.“Even the young people who were stranded in Ukraine, we were one of the first calls, because people knew that we had built this ecosystem. I’m just privileged to have the opportunity to serve others,” Dr. Dunkley said.  She describes herself as a “quiet worker and giver” who has always believed in advocacy and national advancement.Dr Dunkley is humbled and honoured to be a recipient of the Order of Distinction.“I don’t do service with any expectation of reward, so it’s a tremendous honour and I share this honour with all my partners in the diaspora,” she said.“Diaspora stalwart Dr Karren Dunkley humbled to receive OD Loop News Reporter Tue, 09/24/2024 – 08:52…”Source Link: http://jamaica.loopnews.com/content/diaspora-stalwart-dr-karren-dunkley-humbled-receive-od http://109.70.148.72/~merchant29/6network/wp-content/uploads/2024/09/pexels-photo-3751280.jpeg BLOGGER - #GLOBAL

[boldcompanynews]

Diaspora stalwart Dr Karren Dunkley humbled to receive OD - Information Important Web - BLOGGER https://www.merchant-business.com/diaspora-stalwart-dr-karren-dunkley-humbled-to-receive-od/?feed_id=210636&_unique_id=66f2d9d482d98 For service to the Jamaican Diaspora in the United States, Dr Karren Dunkley will be conferred with the Order of Distinction (OD), in the rank of Officer, on National Heroes Day, October 21.The daughter of a corrections officer and an insurance salesman, Dr. Dunkley, whose mantra is “To serve is to live”,  recalls spending many summers in Elderslie, St Elizabeth, which is the birthplace of her parents and grandparents.Dr Dunkley grew up in Ensom City, St Catherine, where she attended St Catherine High School and graduated as valedictorian in 1989, before transitioning to Wolmer’s Girls for sixth form.She then moved to the United States on a student visa to pursue an undergraduate degree in political science and education at St John’s University.“When I came, like most immigrants, I had to work and put myself through school. Sometimes I was working three jobs at once. I waited tables, I had a cleaning company, just to make ends meet,” she revealed in a recent interview.  On completing university, her plan was to return to Jamaica, so she settled her credit cards, gave up her apartment, sold her car and then a phone call from St John’s offering her a full scholarship to pursue a Master’s in International Law changed the trajectory of her life.“I took that scholarship and the rest was history. I ended up being here from that time. I never went back home,” she notes.With a Doctorate in urban education from Columbia University’s Teachers’ College, Dr Dunkley has excelled as a deputy superintendent, principal, teacher, and coach, deeply committed to advancing educational equity and excellence.Though not physically in Jamaica, her passion for helping to develop the country has never wavered.She notes that she has several businesses in the land of her birth.“I have been one of those Jamaicans who have had the opportunity to come to the United States but have always planted roots in Jamaica and ensured the viability of the Jamaican ecosystem and infrastructure,” she said. From January 2020 to December 2022, Dr Dunkley served as the Global Jamaica Diaspora Council Representative for the Northeast United States, which covers 14 states, where she played a pivotal role in fostering partnerships that advance Jamaica’s national development goals.“I led during the unprecedented COVID-19 pandemic with a team of phenomenal individuals across the 14 states,” she says, noting that some 52 events were spearheaded by her team over the three-year period.During her tenure, Dr Dunkley created infrastructure for inclusive engagement across states by establishing a think tank comprised of state leads and sector leaders in the areas of health and wellness, education and innovation, economic development and empowerment, crime and citizen security and faith-based partnerships.Along with her team, Dr Dunkley secured US$3.6 million in forgivable government loans and grants through technical assistance for more than 30 small businesses.Her team also provided temporary housing, food, financial, and counselling assistance for 125 international students who were displaced by the pandemic and collaborated with Remnant Church of God Seventh-day to feed 300 families weekly across Pennsylvania.In addition, she led the registration of more than 500 individuals across Massachusetts, New York, New Jersey, and Pennsylvania for Census 2020; provided pro-bono immigration assistance to 25 international students through immigration attorneys; engaged in policy discussions and advocacy with various government ministries and agencies, primarily the Ministry of Foreign Affairs and Foreign Trade; and activated critical partnerships with the Embassy of Jamaica in Washington DC.Dr Dunkley’s contributions to academics, philanthropy and the diaspora have garnered her a long list of accolades.

“I am energised by giving and by serving. The greatest gift in terms of serving the diaspora in this capacity has been the Jamaican people. I have to commend the team – the think tank, our sector chairs and our state chairs, who are absolutely fantastic.“Even the young people who were stranded in Ukraine, we were one of the first calls, because people knew that we had built this ecosystem. I’m just privileged to have the opportunity to serve others,” Dr. Dunkley said.  She describes herself as a “quiet worker and giver” who has always believed in advocacy and national advancement.Dr Dunkley is humbled and honoured to be a recipient of the Order of Distinction.“I don’t do service with any expectation of reward, so it’s a tremendous honour and I share this honour with all my partners in the diaspora,” she said.“Diaspora stalwart Dr Karren Dunkley humbled to receive OD Loop News Reporter Tue, 09/24/2024 – 08:52…”Source Link: http://jamaica.loopnews.com/content/diaspora-stalwart-dr-karren-dunkley-humbled-receive-od http://109.70.148.72/~merchant29/6network/wp-content/uploads/2024/09/pexels-photo-3751280.jpeg #GLOBAL - BLOGGER For service to the Jamaican Diaspor... BLOGGER - #GLOBAL

[technologycompanynews]

Diaspora stalwart Dr Karren Dunkley humbled to receive OD - Information Important Web - BLOGGER https://www.merchant-business.com/diaspora-stalwart-dr-karren-dunkley-humbled-to-receive-od/?feed_id=210635&_unique_id=66f2d9d323b53 For service to the Jamaican Diaspora in the United States, Dr Karren Dunkley will be conferred with the Order of Distinction (OD), in the rank of Officer, on National Heroes Day, October 21.The daughter of a corrections officer and an insurance salesman, Dr. Dunkley, whose mantra is “To serve is to live”,  recalls spending many summers in Elderslie, St Elizabeth, which is the birthplace of her parents and grandparents.Dr Dunkley grew up in Ensom City, St Catherine, where she attended St Catherine High School and graduated as valedictorian in 1989, before transitioning to Wolmer’s Girls for sixth form.She then moved to the United States on a student visa to pursue an undergraduate degree in political science and education at St John’s University.“When I came, like most immigrants, I had to work and put myself through school. Sometimes I was working three jobs at once. I waited tables, I had a cleaning company, just to make ends meet,” she revealed in a recent interview.  On completing university, her plan was to return to Jamaica, so she settled her credit cards, gave up her apartment, sold her car and then a phone call from St John’s offering her a full scholarship to pursue a Master’s in International Law changed the trajectory of her life.“I took that scholarship and the rest was history. I ended up being here from that time. I never went back home,” she notes.With a Doctorate in urban education from Columbia University’s Teachers’ College, Dr Dunkley has excelled as a deputy superintendent, principal, teacher, and coach, deeply committed to advancing educational equity and excellence.Though not physically in Jamaica, her passion for helping to develop the country has never wavered.She notes that she has several businesses in the land of her birth.“I have been one of those Jamaicans who have had the opportunity to come to the United States but have always planted roots in Jamaica and ensured the viability of the Jamaican ecosystem and infrastructure,” she said. From January 2020 to December 2022, Dr Dunkley served as the Global Jamaica Diaspora Council Representative for the Northeast United States, which covers 14 states, where she played a pivotal role in fostering partnerships that advance Jamaica’s national development goals.“I led during the unprecedented COVID-19 pandemic with a team of phenomenal individuals across the 14 states,” she says, noting that some 52 events were spearheaded by her team over the three-year period.During her tenure, Dr Dunkley created infrastructure for inclusive engagement across states by establishing a think tank comprised of state leads and sector leaders in the areas of health and wellness, education and innovation, economic development and empowerment, crime and citizen security and faith-based partnerships.Along with her team, Dr Dunkley secured US$3.6 million in forgivable government loans and grants through technical assistance for more than 30 small businesses.Her team also provided temporary housing, food, financial, and counselling assistance for 125 international students who were displaced by the pandemic and collaborated with Remnant Church of God Seventh-day to feed 300 families weekly across Pennsylvania.In addition, she led the registration of more than 500 individuals across Massachusetts, New York, New Jersey, and Pennsylvania for Census 2020; provided pro-bono immigration assistance to 25 international students through immigration attorneys; engaged in policy discussions and advocacy with various government ministries and agencies, primarily the Ministry of Foreign Affairs and Foreign Trade; and activated critical partnerships with the Embassy of Jamaica in Washington DC.Dr Dunkley’s contributions to academics, philanthropy and the diaspora have garnered her a long list of accolades.

“I am energised by giving and by serving. The greatest gift in terms of serving the diaspora in this capacity has been the Jamaican people. I have to commend the team – the think tank, our sector chairs and our state chairs, who are absolutely fantastic.“Even the young people who were stranded in Ukraine, we were one of the first calls, because people knew that we had built this ecosystem. I’m just privileged to have the opportunity to serve others,” Dr. Dunkley said.  She describes herself as a “quiet worker and giver” who has always believed in advocacy and national advancement.Dr Dunkley is humbled and honoured to be a recipient of the Order of Distinction.“I don’t do service with any expectation of reward, so it’s a tremendous honour and I share this honour with all my partners in the diaspora,” she said.“Diaspora stalwart Dr Karren Dunkley humbled to receive OD Loop News Reporter Tue, 09/24/2024 – 08:52…”Source Link: http://jamaica.loopnews.com/content/diaspora-stalwart-dr-karren-dunkley-humbled-receive-od http://109.70.148.72/~merchant29/6network/wp-content/uploads/2024/09/pexels-photo-3751280.jpeg BLOGGER - #GLOBAL For service to the Jamaican Diaspora in the United States, Dr Karren Dunkley will be conferred with the Order of Distinction (OD), in the rank of Officer, on National Heroes Day, October 21. The daughter of a corrections officer and an insurance salesman, Dr. Dunkley, whose mantra is “To serve is to live”,  recalls spending … Read More

[onlinecompanynews]

Diaspora stalwart Dr Karren Dunkley humbled to receive OD - Information Important Web https://www.merchant-business.com/diaspora-stalwart-dr-karren-dunkley-humbled-to-receive-od/?feed_id=210634&_unique_id=66f2d8b340827 For service to the Jamaican Diaspor... BLOGGER - #GLOBAL For service to the Jamaican Diaspora in the United States, Dr Karren Dunkley will be conferred with the Order of Distinction (OD), in the rank of Officer, on National Heroes Day, October 21.The daughter of a corrections officer and an insurance salesman, Dr. Dunkley, whose mantra is “To serve is to live”,  recalls spending many summers in Elderslie, St Elizabeth, which is the birthplace of her parents and grandparents.Dr Dunkley grew up in Ensom City, St Catherine, where she attended St Catherine High School and graduated as valedictorian in 1989, before transitioning to Wolmer’s Girls for sixth form.She then moved to the United States on a student visa to pursue an undergraduate degree in political science and education at St John’s University.“When I came, like most immigrants, I had to work and put myself through school. Sometimes I was working three jobs at once. I waited tables, I had a cleaning company, just to make ends meet,” she revealed in a recent interview.  On completing university, her plan was to return to Jamaica, so she settled her credit cards, gave up her apartment, sold her car and then a phone call from St John’s offering her a full scholarship to pursue a Master’s in International Law changed the trajectory of her life.“I took that scholarship and the rest was history. I ended up being here from that time. I never went back home,” she notes.With a Doctorate in urban education from Columbia University’s Teachers’ College, Dr Dunkley has excelled as a deputy superintendent, principal, teacher, and coach, deeply committed to advancing educational equity and excellence.Though not physically in Jamaica, her passion for helping to develop the country has never wavered.She notes that she has several businesses in the land of her birth.“I have been one of those Jamaicans who have had the opportunity to come to the United States but have always planted roots in Jamaica and ensured the viability of the Jamaican ecosystem and infrastructure,” she said. From January 2020 to December 2022, Dr Dunkley served as the Global Jamaica Diaspora Council Representative for the Northeast United States, which covers 14 states, where she played a pivotal role in fostering partnerships that advance Jamaica’s national development goals.“I led during the unprecedented COVID-19 pandemic with a team of phenomenal individuals across the 14 states,” she says, noting that some 52 events were spearheaded by her team over the three-year period.During her tenure, Dr Dunkley created infrastructure for inclusive engagement across states by establishing a think tank comprised of state leads and sector leaders in the areas of health and wellness, education and innovation, economic development and empowerment, crime and citizen security and faith-based partnerships.Along with her team, Dr Dunkley secured US$3.6 million in forgivable government loans and grants through technical assistance for more than 30 small businesses.Her team also provided temporary housing, food, financial, and counselling assistance for 125 international students who were displaced by the pandemic and collaborated with Remnant Church of God Seventh-day to feed 300 families weekly across Pennsylvania.In addition, she led the registration of more than 500 individuals across Massachusetts, New York, New Jersey, and Pennsylvania for Census 2020; provided pro-bono immigration assistance to 25 international students through immigration attorneys; engaged in policy discussions and advocacy with various government ministries and agencies, primarily the Ministry of Foreign Affairs and Foreign Trade; and activated critical partnerships with the Embassy of Jamaica in Washington DC.Dr Dunkley’s contributions to academics, philanthropy and the diaspora have garnered her a long list of accolades.

“I am energised by giving and by serving. The greatest gift in terms of serving the diaspora in this capacity has been the Jamaican people. I have to commend the team – the think tank, our sector chairs and our state chairs, who are absolutely fantastic.“Even the young people who were stranded in Ukraine, we were one of the first calls, because people knew that we had built this ecosystem. I’m just privileged to have the opportunity to serve others,” Dr. Dunkley said.  She describes herself as a “quiet worker and giver” who has always believed in advocacy and national advancement.Dr Dunkley is humbled and honoured to be a recipient of the Order of Distinction.“I don’t do service with any expectation of reward, so it’s a tremendous honour and I share this honour with all my partners in the diaspora,” she said.“Diaspora stalwart Dr Karren Dunkley humbled to receive OD Loop News Reporter Tue, 09/24/2024 – 08:52…”Source Link: http://jamaica.loopnews.com/content/diaspora-stalwart-dr-karren-dunkley-humbled-receive-od http://109.70.148.72/~merchant29/6network/wp-content/uploads/2024/09/pexels-photo-3751280.jpeg #GLOBAL - BLOGGER For service to the Jamaican Diaspora in the United States, Dr Karren Dunkley will be conferred with the Order of Distinction (OD), in the rank of Officer, on National Heroes Day, October 21. The daughter of a corrections officer and an insurance salesman, Dr. Dunkley, whose mantra is “To serve is to live”,  recalls spending … Read More

[internetcompanynews]

Diaspora stalwart Dr Karren Dunkley humbled to receive OD - Information Important Web - BLOGGER https://www.merchant-business.com/diaspora-stalwart-dr-karren-dunkley-humbled-to-receive-od/?feed_id=210633&_unique_id=66f2d8b221a90 For service to the Jamaican Diaspora in the United States, Dr Karren Dunkley will be conferred with the Order of Distinction (OD), in the rank of Officer, on National Heroes Day, October 21.The daughter of a corrections officer and an insurance salesman, Dr. Dunkley, whose mantra is “To serve is to live”,  recalls spending many summers in Elderslie, St Elizabeth, which is the birthplace of her parents and grandparents.Dr Dunkley grew up in Ensom City, St Catherine, where she attended St Catherine High School and graduated as valedictorian in 1989, before transitioning to Wolmer’s Girls for sixth form.She then moved to the United States on a student visa to pursue an undergraduate degree in political science and education at St John’s University.“When I came, like most immigrants, I had to work and put myself through school. Sometimes I was working three jobs at once. I waited tables, I had a cleaning company, just to make ends meet,” she revealed in a recent interview.  On completing university, her plan was to return to Jamaica, so she settled her credit cards, gave up her apartment, sold her car and then a phone call from St John’s offering her a full scholarship to pursue a Master’s in International Law changed the trajectory of her life.“I took that scholarship and the rest was history. I ended up being here from that time. I never went back home,” she notes.With a Doctorate in urban education from Columbia University’s Teachers’ College, Dr Dunkley has excelled as a deputy superintendent, principal, teacher, and coach, deeply committed to advancing educational equity and excellence.Though not physically in Jamaica, her passion for helping to develop the country has never wavered.She notes that she has several businesses in the land of her birth.“I have been one of those Jamaicans who have had the opportunity to come to the United States but have always planted roots in Jamaica and ensured the viability of the Jamaican ecosystem and infrastructure,” she said. From January 2020 to December 2022, Dr Dunkley served as the Global Jamaica Diaspora Council Representative for the Northeast United States, which covers 14 states, where she played a pivotal role in fostering partnerships that advance Jamaica’s national development goals.“I led during the unprecedented COVID-19 pandemic with a team of phenomenal individuals across the 14 states,” she says, noting that some 52 events were spearheaded by her team over the three-year period.During her tenure, Dr Dunkley created infrastructure for inclusive engagement across states by establishing a think tank comprised of state leads and sector leaders in the areas of health and wellness, education and innovation, economic development and empowerment, crime and citizen security and faith-based partnerships.Along with her team, Dr Dunkley secured US$3.6 million in forgivable government loans and grants through technical assistance for more than 30 small businesses.Her team also provided temporary housing, food, financial, and counselling assistance for 125 international students who were displaced by the pandemic and collaborated with Remnant Church of God Seventh-day to feed 300 families weekly across Pennsylvania.In addition, she led the registration of more than 500 individuals across Massachusetts, New York, New Jersey, and Pennsylvania for Census 2020; provided pro-bono immigration assistance to 25 international students through immigration attorneys; engaged in policy discussions and advocacy with various government ministries and agencies, primarily the Ministry of Foreign Affairs and Foreign Trade; and activated critical partnerships with the Embassy of Jamaica in Washington DC.Dr Dunkley’s contributions to academics, philanthropy and the diaspora have garnered her a long list of accolades.

“I am energised by giving and by serving. The greatest gift in terms of serving the diaspora in this capacity has been the Jamaican people. I have to commend the team – the think tank, our sector chairs and our state chairs, who are absolutely fantastic.“Even the young people who were stranded in Ukraine, we were one of the first calls, because people knew that we had built this ecosystem. I’m just privileged to have the opportunity to serve others,” Dr. Dunkley said.  She describes herself as a “quiet worker and giver” who has always believed in advocacy and national advancement.Dr Dunkley is humbled and honoured to be a recipient of the Order of Distinction.“I don’t do service with any expectation of reward, so it’s a tremendous honour and I share this honour with all my partners in the diaspora,” she said.“Diaspora stalwart Dr Karren Dunkley humbled to receive OD Loop News Reporter Tue, 09/24/2024 – 08:52…”Source Link: http://jamaica.loopnews.com/content/diaspora-stalwart-dr-karren-dunkley-humbled-receive-od http://109.70.148.72/~merchant29/6network/wp-content/uploads/2024/09/pexels-photo-3751280.jpeg Diaspora stalwart Dr Karren Dunkley humbled to receive OD - Information Important Web - #GLOBAL BLOGGER - #GLOBAL

[formidablecompanynews]

Diaspora stalwart Dr Karren Dunkley humbled to receive OD - Information Important Web https://www.merchant-business.com/diaspora-stalwart-dr-karren-dunkley-humbled-to-receive-od/?feed_id=210632&_unique_id=66f2d8b0f0d08 #GLOBAL - BLOGGER BLOGGER For service to the Jamaican Diaspora in the United States, Dr Karren Dunkley will be conferred with the Order of Distinction (OD), in the rank of Officer, on National Heroes Day, October 21.The daughter of a corrections officer and an insurance salesman, Dr. Dunkley, whose mantra is “To serve is to live”,  recalls spending many summers in Elderslie, St Elizabeth, which is the birthplace of her parents and grandparents.Dr Dunkley grew up in Ensom City, St Catherine, where she attended St Catherine High School and graduated as valedictorian in 1989, before transitioning to Wolmer’s Girls for sixth form.She then moved to the United States on a student visa to pursue an undergraduate degree in political science and education at St John’s University.“When I came, like most immigrants, I had to work and put myself through school. Sometimes I was working three jobs at once. I waited tables, I had a cleaning company, just to make ends meet,” she revealed in a recent interview.  On completing university, her plan was to return to Jamaica, so she settled her credit cards, gave up her apartment, sold her car and then a phone call from St John’s offering her a full scholarship to pursue a Master’s in International Law changed the trajectory of her life.“I took that scholarship and the rest was history. I ended up being here from that time. I never went back home,” she notes.With a Doctorate in urban education from Columbia University’s Teachers’ College, Dr Dunkley has excelled as a deputy superintendent, principal, teacher, and coach, deeply committed to advancing educational equity and excellence.Though not physically in Jamaica, her passion for helping to develop the country has never wavered.She notes that she has several businesses in the land of her birth.“I have been one of those Jamaicans who have had the opportunity to come to the United States but have always planted roots in Jamaica and ensured the viability of the Jamaican ecosystem and infrastructure,” she said. From January 2020 to December 2022, Dr Dunkley served as the Global Jamaica Diaspora Council Representative for the Northeast United States, which covers 14 states, where she played a pivotal role in fostering partnerships that advance Jamaica’s national development goals.“I led during the unprecedented COVID-19 pandemic with a team of phenomenal individuals across the 14 states,” she says, noting that some 52 events were spearheaded by her team over the three-year period.During her tenure, Dr Dunkley created infrastructure for inclusive engagement across states by establishing a think tank comprised of state leads and sector leaders in the areas of health and wellness, education and innovation, economic development and empowerment, crime and citizen security and faith-based partnerships.Along with her team, Dr Dunkley secured US$3.6 million in forgivable government loans and grants through technical assistance for more than 30 small businesses.Her team also provided temporary housing, food, financial, and counselling assistance for 125 international students who were displaced by the pandemic and collaborated with Remnant Church of God Seventh-day to feed 300 families weekly across Pennsylvania.In addition, she led the registration of more than 500 individuals across Massachusetts, New York, New Jersey, and Pennsylvania for Census 2020; provided pro-bono immigration assistance to 25 international students through immigration attorneys; engaged in policy discussions and advocacy with various government ministries and agencies, primarily the Ministry of Foreign Affairs and Foreign Trade; and activated critical partnerships with the Embassy of Jamaica in Washington DC.Dr Dunkley’s contributions to academics, philanthropy and the diaspora have garnered her a long list of accolades.

“I am energised by giving and by serving. The greatest gift in terms of serving the diaspora in this capacity has been the Jamaican people. I have to commend the team – the think tank, our sector chairs and our state chairs, who are absolutely fantastic.“Even the young people who were stranded in Ukraine, we were one of the first calls, because people knew that we had built this ecosystem. I’m just privileged to have the opportunity to serve others,” Dr. Dunkley said.  She describes herself as a “quiet worker and giver” who has always believed in advocacy and national advancement.Dr Dunkley is humbled and honoured to be a recipient of the Order of Distinction.“I don’t do service with any expectation of reward, so it’s a tremendous honour and I share this honour with all my partners in the diaspora,” she said.“Diaspora stalwart Dr Karren Dunkley humbled to receive OD Loop News Reporter Tue, 09/24/2024 – 08:52…”Source Link: http://jamaica.loopnews.com/content/diaspora-stalwart-dr-karren-dunkley-humbled-receive-od http://109.70.148.72/~merchant29/6network/wp-content/uploads/2024/09/pexels-photo-3751280.jpeg For service to the Jamaican Diaspora in the United States, Dr Karren Dunkley will be conferred with the Order of Distinction (OD), in the rank of Officer, on National Heroes Day, October 21. The daughter of a corrections officer and an insurance salesman, Dr. Dunkley, whose mantra is “To serve is to live”,  recalls spending … Read More

[smartcompanynewsweb]

Diaspora stalwart Dr Karren Dunkley humbled to receive OD - Information Important Web - #GLOBAL https://www.merchant-business.com/diaspora-stalwart-dr-karren-dunkley-humbled-to-receive-od/?feed_id=210631&_unique_id=66f2d8af3f309 For service to the Jamaican Diaspora in the United States, Dr Karren Dunkley will be conferred with the Order of Distinction (OD), in the rank of Officer, on National Heroes Day, October 21.The daughter of a corrections officer and an insurance salesman, Dr. Dunkley, whose mantra is “To serve is to live”,  recalls spending many summers in Elderslie, St Elizabeth, which is the birthplace of her parents and grandparents.Dr Dunkley grew up in Ensom City, St Catherine, where she attended St Catherine High School and graduated as valedictorian in 1989, before transitioning to Wolmer’s Girls for sixth form.She then moved to the United States on a student visa to pursue an undergraduate degree in political science and education at St John’s University.“When I came, like most immigrants, I had to work and put myself through school. Sometimes I was working three jobs at once. I waited tables, I had a cleaning company, just to make ends meet,” she revealed in a recent interview.  On completing university, her plan was to return to Jamaica, so she settled her credit cards, gave up her apartment, sold her car and then a phone call from St John’s offering her a full scholarship to pursue a Master’s in International Law changed the trajectory of her life.“I took that scholarship and the rest was history. I ended up being here from that time. I never went back home,” she notes.With a Doctorate in urban education from Columbia University’s Teachers’ College, Dr Dunkley has excelled as a deputy superintendent, principal, teacher, and coach, deeply committed to advancing educational equity and excellence.Though not physically in Jamaica, her passion for helping to develop the country has never wavered.She notes that she has several businesses in the land of her birth.“I have been one of those Jamaicans who have had the opportunity to come to the United States but have always planted roots in Jamaica and ensured the viability of the Jamaican ecosystem and infrastructure,” she said. From January 2020 to December 2022, Dr Dunkley served as the Global Jamaica Diaspora Council Representative for the Northeast United States, which covers 14 states, where she played a pivotal role in fostering partnerships that advance Jamaica’s national development goals.“I led during the unprecedented COVID-19 pandemic with a team of phenomenal individuals across the 14 states,” she says, noting that some 52 events were spearheaded by her team over the three-year period.During her tenure, Dr Dunkley created infrastructure for inclusive engagement across states by establishing a think tank comprised of state leads and sector leaders in the areas of health and wellness, education and innovation, economic development and empowerment, crime and citizen security and faith-based partnerships.Along with her team, Dr Dunkley secured US$3.6 million in forgivable government loans and grants through technical assistance for more than 30 small businesses.Her team also provided temporary housing, food, financial, and counselling assistance for 125 international students who were displaced by the pandemic and collaborated with Remnant Church of God Seventh-day to feed 300 families weekly across Pennsylvania.In addition, she led the registration of more than 500 individuals across Massachusetts, New York, New Jersey, and Pennsylvania for Census 2020; provided pro-bono immigration assistance to 25 international students through immigration attorneys; engaged in policy discussions and advocacy with various government ministries and agencies, primarily the Ministry of Foreign Affairs and Foreign Trade; and activated critical partnerships with the Embassy of Jamaica in Washington DC.Dr Dunkley’s contributions to academics, philanthropy and the diaspora have garnered her a long list of accolades.

“I am energised by giving and by serving. The greatest gift in terms of serving the diaspora in this capacity has been the Jamaican people. I have to commend the team – the think tank, our sector chairs and our state chairs, who are absolutely fantastic.“Even the young people who were stranded in Ukraine, we were one of the first calls, because people knew that we had built this ecosystem. I’m just privileged to have the opportunity to serve others,” Dr. Dunkley said.  She describes herself as a “quiet worker and giver” who has always believed in advocacy and national advancement.Dr Dunkley is humbled and honoured to be a recipient of the Order of Distinction.“I don’t do service with any expectation of reward, so it’s a tremendous honour and I share this honour with all my partners in the diaspora,” she said.“Diaspora stalwart Dr Karren Dunkley humbled to receive OD Loop News Reporter Tue, 09/24/2024 – 08:52…”Source Link: http://jamaica.loopnews.com/content/diaspora-stalwart-dr-karren-dunkley-humbled-receive-od http://109.70.148.72/~merchant29/6network/wp-content/uploads/2024/09/pexels-photo-3751280.jpeg BLOGGER - #GLOBAL

[jitendra095525]

Difference between Cash Credit & Overdraft: Key Differences For Every Business Needs to Know

Understanding Overdraft vs. Cash Credit: What is the key Difference?

Understanding the difference between an Overdraft (OD) Limit and a Cash Credit (CC) Limit is crucial for businesses seeking financial flexibility. Both are financial products that provide short-term funding, but they are used for different purposes and come with unique features

Two common financial tools for managing short-term funding needs are the Overdraft (OD) Limit and the Cash Credit (CC) Limit. Here’s a practical guide to understanding how they differ and how each can benefit your business.

1. Overdraft (OD) Limit:

An overdraft limit refers to a saving reserve in case of If you don't have funds in your company’s current account. In this type of arrangement, you can withdraw more money than what you have in your account up to a predetermined limit set by your bank.

How it Works:

Accessibility: You can take out as much cash as required but within a set pre-approved maximum amount...

Interest: Interest is only charged on the amount overdrawn, which can minimize the cost when used for short-term purposes.

Repayment: Usually, money is repaid immediately when there is a positive balance in your current account...

2. Cash Credit (CC) Limit:

Cash Credit Limit is a type of short-term business loan that is taken by a business to meet their working capital needs for a short period

Your bank sets a credit limit on funds borrowed by businesses to meet their financial requirements.

How it Works:

Access: Businesses can draw up to the limit at any time hence, it is commonly used for buying stock or paying suppliers.

Interest: On the other hand, Interest is calculated on the amount of credit used and not on the entire limit.

Repayment: This includes structured repayment schedules usually involving monthly instalments

Key Differences:

Usage: Overdrafts are best suited for short-term cash flow challenges and emergencies while cash credit means running a business continuously and its financing.

Account Linking: Your current account links OD while CC is just a separate credit account.

Flexibility vs Planning: Immediate and flexible access to funds is a specification of OD whereas CC has set limits and repayment terms making it more planned in approach

Interest Rates: Overdraft interest rate may be higher than that of CC due to unstructured borrowing and flexible lending conditions by financial institutions

To sum up, both OD as well as CC facilities give financial support to your businesses but their structure and purpose are different which means both are suited for different financial needs. By recognising these differences, companies will be able to choose an appropriate facility that enables them to manage their cash flow effectively

Get hassle-free Personal Loans, Business Loans, Unsecured Overdrafts, Loan Against Property, and Home Loans at More Money with Zero Service Fees, Lowest Interest Rates, Easy Documentation, and Doorstep Delivery—making borrowing affordable, stress-free, and convenient.

[payalll]

Managing finances effectively often requires flexibility and quick access to funds. A personal overdraft loan, also known as an OD personal loan or personal loan OD, provides this flexibility by allowing you to withdraw money as needed up to a pre-approved limit. This guide will delve into the personal loan overdraft facility, highlighting its benefits, how it works, and why it might be the right choice for you.

What is a Personal Overdraft Loan?

A personal overdraft loan is a type of credit facility that provides a revolving line of credit, enabling you to borrow funds as required, up to a certain limit. Unlike traditional personal loans where you receive a lump sum upfront, a personal loan overdraft facility allows you to withdraw money incrementally and repay it flexibly.

How Does a Personal Loan Overdraft Facility Work?

Application and Approval: You apply for a personal overdraft loan similar to a traditional loan. The lender evaluates your creditworthiness and sets a credit limit based on factors like your income and credit score.

Credit Limit: Upon approval, you receive a credit limit that you can draw from as needed. This limit is determined by your financial profile and the lender's policies.

Withdrawals and Repayments: You can withdraw funds up to your credit limit. Interest is charged only on the amount you use, not on the entire limit. You have the flexibility to repay the borrowed amount at your convenience.

Interest Rates: The interest rate for a personal loan OD is usually higher than that of a traditional personal loan. However, you save on interest costs since you only pay interest on the utilized amount.

Benefits of a Personal Overdraft Loan

Flexibility: The ability to withdraw funds as needed and repay them on your schedule offers unparalleled financial flexibility.

Interest Savings: Since interest is charged only on the amount you use, you can save on interest costs compared to a traditional loan where interest is charged on the entire loan amount.

No Fixed EMIs: Unlike traditional loans that require fixed monthly payments, a personal loan OD allows you to repay any amount at any time.

Revolving Credit: As you repay the borrowed amount, your available credit is replenished, giving you continuous access to funds.

Emergency Funds: A personal loan overdraft facility is perfect for managing unexpected expenses or emergencies, providing immediate access to cash.

Who Can Benefit from a Personal Loan OD?

A personal loan OD is ideal for individuals who need flexible access to funds for various purposes, including:

Emergency Expenses: Covering sudden medical bills, home repairs, or other unforeseen costs.

Variable Expenses: Managing fluctuating monthly expenses or bridging temporary cash flow gaps.

Small Business Owners: Providing quick access to working capital for business needs.

Debt Management: Consolidating high-interest debts into a single, more manageable credit facility.

Applying for a Personal Loan Overdraft Facility

The application process for a personal overdraft loan is simple and can often be done online. Here’s how it typically works:

Eligibility Check: Ensure you meet the lender’s criteria, which may include a minimum income requirement, a good credit score, and stable employment.

Documentation: Gather necessary documents such as identity proof, address proof, income proof, and bank statements.

Online Application: Fill out the application form on the lender’s website with accurate details.

Upload Documents: Scan and upload the required documents.

Approval and Limit Setting: The lender reviews your application and sets a credit limit based on your financial profile.

Account Activation: Once approved, your overdraft account is activated, and you can start withdrawing funds as needed.

Managing a Personal Loan Overdraft Facility

Effective management of your personal loan OD is crucial to avoid financial difficulties. Here are some tips:

Track Withdrawals: Keep a close eye on your withdrawals to ensure you do not exceed your credit limit.

Timely Repayments: Make repayments as soon as possible to reduce interest charges and replenish your credit limit.

Prudent Usage: Use the overdraft facility wisely and avoid relying on it for regular expenses.

Review Interest Rates: Regularly check and compare interest rates from different lenders to ensure you’re getting the best deal.

Conclusion

A personal overdraft loan, or personal loan OD, is an excellent financial tool for those who need flexible access to funds. With its revolving credit feature, interest savings, and no fixed EMIs, it offers a convenient alternative to traditional personal loans. Whether you’re managing emergency expenses, variable costs, or business needs, a personal loan overdraft facility can provide the financial flexibility you need. By understanding how it works and managing it responsibly, you can make the most of this versatile financial product.

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Real Estate Luminary Bridget Brick Debuts Poetic Masterpiece on Poetry.com

Real Estate Luminary Bridget Brick Debuts Poetic Masterpiece on Poetry.com: 'Foundations of Success'

Bridget Brick, one of the foremost experts in real estate finance and the founder and CEO of Brick by Brick Capital has written and published an inspirational poem called “Foundations of Success” on Poetry.com. This lyrical work captures her journey both personally and professionally through its lyrics that showcase unfailing determination and innovative approaches as the basis of success throughout her remarkable career journey. “Foundations of Success” gives readers insight into Bridget’s unique ethos that has guided this incredible path toward achievement in real estate finance.

Bridget Brick’s poem “Foundations of Success,” which celebrates her pioneering spirit and commitment to excellence is an ode to her visionary outlook and dedication to real estate finance excellence. Renowned for pioneering innovative financial solutions and leadership in real estate finance, she uses poetry to share her journey and motivate others. An education from Nashville combined with relentless ambition have propelled Bridget down a distinguished career path within real estate finance — earning her one of San Diego’s “40 Under 40.”

Poetic Journey

Bridget Brick’s narrative centers around her roots in Nashville, Tennessee. Raised with strong family values and dedication to hard work, she embarked upon an educational pursuit which propelled her into business success — the poem portraying this process by emphasizing perseverance and dedication as keys for achieving greatness in this arena.

Career and Accomplishments

These words capture Bridget’s career accomplishments perfectly: she founded Brick by Brick Capital, an innovative startup offering investment property loans. Bridget revolutionized this industry through tailored financial solutions such as DSCR Loans and Renovation Loans she pioneered herself — earning widespread praise including being included on San Diego’s esteemed “40 Under 40” list.

Resilience and Leadership

Bridget has demonstrated her resilience by her unwavering dedication to both clients and industry alike — turning obstacles into opportunities and remaining focused in her efforts throughout. “Each setback a valuable lesson, each success an achievement to celebrate”, as her poem states — something many are inspired by in life’s journeys. Her words make an ode to Bridget that illuminates her path as an inspiring leader who is sure to guide many through tough situations!

Bridget Brick’s impact and recognition go well beyond her professional successes. Her poem sheds light on her role as an innovator and leader within real estate finance and her commitment to helping her clients build prosperous futures for themselves. Her hard work has been celebrated through media attention as well as industry accolades establishing her as an authoritative presence within her field of practice.

Special Features

Exclusive Insight: “Foundations of Success” provides an exclusive and personal look into Bridget Brick’s philosophy on success and resilience, intended to motivate readers through her journey and the lessons she has learned along the way. Inspirational Impact: This poem serves to inspire and motivate audiences by depicting Bridget’s experience of both success and resilience from her point-of-view.

Community Engagement: Poetry.com serves as an online venue to showcase and disseminate inspirational works, giving Bridget Brick’s words the ability to reach wide audiences and spark engaging discussions.

“Foundations of Success,” written by Bridget Brick, acknowledges her rise from Nashville to become one of the leading figures in real estate finance. This poem details Bridget’s educational background, career achievements and ability to overcome any challenges encountered along her way — while simultaneously depicting Bridget as she tirelessly works toward providing investment property loans with promising returns for both clients and herself alike.

Q & A About Bridget Brick

Q: Who Is Bridget Brick?  A: Bridget is the founder and CEO of Brick by Brick Capital, an innovative startup offering investment property loans. She is widely respected within real estate finance circles and was honored as part of San Diego’s “40 Under 40”.

Q: Who is Bridget Brick?  A: She hails from Nashville, Tennessee and holds an MBA. Throughout her journey and professional experiences she has become one of the go-to people within real estate finance industry.

Q: What topics does Bridget Brick’s poem “Foundations of Success” address?  A: Her verse offers insights into success and resilience gained both through personal experience in real estate finance and through professional work as an accountant.

Q: What can readers anticipate from Bridget Brick’s poem? A: Readers can anticipate an emotionally gripping and inspiring narrative which provides a window into her journey and philosophy for reaching success.

Q: Where can I read Bridget Brick’s poem Foundations of Success?  A: For your convenience, this inspiring work by Bridget is available on Poetry.com — visit there to read her inspiring words and draw motivation from her experiences.

Q: How can I stay informed on Bridget Brick’s activities and future works?A: Stay up-to-date by following her social media platforms for regular updates, insights and details regarding her current projects as well as future endeavors.

Bridget Brick’s poem “Foundations of Success” on Poetry.com should be an essential reading experience for those searching for real estate finance leadership inspiration. Her lyrical words celebrate resilience, innovation and dedication across her long journey — visit Poetry.com today and read Bridget’s extraordinary journey and profound insights!

[kriti2024]

A Personal Overdraft (OD) facility, also known as a Personal Loan OD or Personal Loan Overdraft Facility, offers a flexible credit option to borrowers. Here’s what you need to know:

1. What is a Personal Overdraft (OD) Loan?

A Personal OD Loan combines the features of a traditional loan with the flexibility of an overdraft facility.

It provides a pre-approved credit limit that you can withdraw from as needed, similar to how you use funds from a bank account overdraft.

2. How Does a Personal Loan OD Work?

You are given a credit limit based on your creditworthiness, income, and other factors.

Interest is charged only on the amount withdrawn, not on the entire credit limit.

Repayments are typically flexible, with options to repay the borrowed amount in parts or in full.

3. Benefits of a Personal Loan Overdraft Facility:

Flexibility: You can withdraw funds whenever needed, up to your approved limit.

Interest Savings: Pay interest only on the amount withdrawn, potentially saving money compared to traditional loans where interest accrues on the full amount.

Convenience: Immediate access to funds without reapplying for a new loan each time.

Emergency Funds: Acts as a safety net for unexpected expenses.

4. Eligibility Criteria:

Generally, you need to have a good credit history and a stable income to qualify for a Personal Loan OD.

Specific requirements may vary between financial institutions.

5. How to Apply for a Personal Loan OD:

Contact your bank or financial institution to inquire about their Personal OD Loan offerings.

Provide necessary documents such as proof of income, identification, and address proof.

6. Things to Consider:

Interest Rates: Compare interest rates and fees across different lenders.

Repayment Terms: Understand the repayment schedule and penalties for late payments.

Credit Limit: Determine the appropriate credit limit based on your financial needs and ability to repay.

7. Usage Scenarios:

Home Renovation: Covering unpredictable costs during renovations.

Medical Expenses: Handling unexpected medical bills.

Business Cash Flow: Managing temporary cash flow gaps for small businesses.

Travel Expenses: Funding trips without disrupting savings.

8. Conclusion:

A Personal Loan Overdraft Facility provides a flexible and convenient way to access credit when needed, offering financial flexibility and peace of mind.

In summary, a Personal Loan OD is a versatile financial tool that can suit various needs, providing access to funds efficiently while offering the flexibility to manage repayments according to your financial situation.