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<title>4 Keys When Searching for Online Loan Providers</title>
<link>https://gisntms.info/4-keys-when-searching-for-online-loan-providers</link>
<comments>https://gisntms.info/4-keys-when-searching-for-online-loan-providers#comments</comments>
<pubDate>Tue, 18 Jul 2023 07:28:51 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Online payday loan]]></category>
<guid isPermaLink="false">http://gisntms.info/?p=58</guid>
<description><![CDATA[The internet is an information hub that has changed the way human beings do things. It has undoubtedly made life easier and products or services more accessible to those who are in need of them. For those who are in … <a href="https://gisntms.info/4-keys-when-searching-for-online-loan-providers">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ The internet is an information hub that has changed the way human beings do things. It has undoubtedly made life easier and products or services more accessible to those who are in need of them. For those who are in a credit crunch, online payday lenders provide quick access to cash when you need them without the same stringent rules that most loan providers have.The harsh reality that consumers face when looking for online personal loans is the fact that there are several malicious minds waiting to prey on their desperation. The high level of demand for online loans have prompted many to offer quick loans only for consumers to find out later on that they had been scammed. To avoid being their next victim, you have to conduct a thorough research before you pursue a given online loan provider.There are four measures you can take in order to guarantee that you have chosen to work with the right lender for your needs.The first key to remember when finding online loan lenders no credit check, especially for those who have a not-so-favorable credit status, is to ask your friends or family members for suggestions. These are people whom you trust and whose opinion matter to you. Hence, you need to ask them for any recommendations, especially if they have tried out any lender in the past. They can genuinely provide you with inputs about their experience with a particular lender, which you can use to accurately assess if a given online personal loans provider would be a good fit for your needs. Make sure you speak to them before calling up any lenders.Check the website of the payday lenders. This step should be taken only after the step above. Once you have a shortlist of names of loan companies that you would like to consider, take the time to look at their respective websites. What are the services on offer? What are the set of requirements you need to fulfill? While you are on their website, take the time to look into the testimonies of previous borrowers. Or, you can do a quick review of the specific company online to see what others can say about them.Verify the business with the Better Business Bureau. If a specific lender is not listed with the BBB, then you have to think twice about proceeding. Or, better yet, do not deal with them at all. If a lender is listed, use this opportunity to check with the Better Business Bureau if they have any pending grievances.Look into their customer service. Most providers of personal loan on the internet strive to offer competitive interest rates and terms for their customers. And while these factors are a given when comparing lenders, the quality of their customer service is a vital factor that will ensure they have your best interest in mind.Time and again, it has been emphasized how important research is on your quest to finding the right short term loans provider. Be patient as you are comparing through your options. If you get too hasty, you might fall into the trap of scammers and you will end up losing more than you can gain. You might be in need of emergency source of fund, but it does not mean you have to be reckless in finalizing your choices.
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<title>Understanding ‘CIP’ for Reverse Osmosis System Maintenance</title>
<link>https://gisntms.info/understanding-%e2%80%98cip%e2%80%99-for-reverse-osmosis-system-maintenance</link>
<comments>https://gisntms.info/understanding-%e2%80%98cip%e2%80%99-for-reverse-osmosis-system-maintenance#comments</comments>
<pubDate>Fri, 31 Mar 2023 20:26:20 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://gisntms.info/?p=56</guid>
<description><![CDATA[Purchasing a reverse osmosis system for your business is quite an investment, so it is really important that you take good care of it and get it cleaned and maintained accordingly. It is recommended that a reverse osmosis system is … <a href="https://gisntms.info/understanding-%e2%80%98cip%e2%80%99-for-reverse-osmosis-system-maintenance">Continue reading →</a>]]></description>
<content:encoded><![CDATA[Purchasing a reverse osmosis system for your business is quite an investment, so it is really important that you take good care of it and get it cleaned and maintained accordingly. It is recommended that a reverse osmosis system is cleaned using a Cleaning In Place (CIP) method, and indeed some suppliers include this in the initial purchase price. 
Why though, does the machine need to be dealt with in situ and what exactly does the process involve?
What is the CIP Method?
The CIP involves the complete removal of foulants in the RO (reverse osmosis) membranes. Cleaning products are circulated around the elements in order to achieve the desired cleanliness.
First of all, an alkali is used in order to remove the organic compounds, after which an acid clean is undertaken so that inorganic compounds such as Calcium, Magnesium, Iron or Manganese are dealt with. Normally these two processes are adequate, but if at any point it is suspected that bacteria has got into the system and is causing fouling then a bactericide will also be used in a third stage clean.
Leave it to the Experts
The CIP process is something that you should never attempt unless you are a specialist or have been properly trained to undertake the service. Experts have the knowledge at their fingertips and will spot as soon as the cleaning solution needs changing. They will also be able to ascertain quickly when the process has finished and immediately know how effective it has been.
Some specialists will use a heated solution to improve the cleaning productivity. It can be really beneficial, although the person dealing with the product should not heat the solution too high, as this can cause membrane damage; again, leave this to the people in the know. Your service provider will also monitor the strength and condition of the chemicals used in the process just in case they need replacing or adding to.
The main benefit of employing an expert is that they will ensure that the time the reverse osmosis system is out of use is kept to a minimum; because this is a piece of kit that you don’t want out of action for too long!
When to Get a Reverse Osmosis System Clean
The general rule of thumb is that you should get your membranes dealt with when one or more of the following three things has occurred:
The normalized pressure drop increases 5-10% The normalized permeate flow drops > 10% The normalized salt passage increases 5-10%
Just as with any piece of mechanical equipment, regular maintenance of your reverse osmosis system is key to its longevity. You will get out of it what you put in, so stay on top of the cleaning and you and your kit can look forward to a long and uneventful partnership.
Author Plate Sean Clifford is an advisor at AllWater Technologies Ltd, a wholly independent company providing consultation and water treatment equipment, including a reverse osmosis system and effluent treatment plant. Bringing together a host of experience and specialist knowledge, the company is committed to building and maintaining long-term relationships and creating maximum value and benefit for their customers.
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<title>Hold urgent GST meet to cut tax on key medicines, equipment</title>
<link>https://gisntms.info/hold-urgent-gst-meet-to-cut-tax-on-key-medicines-equipment</link>
<comments>https://gisntms.info/hold-urgent-gst-meet-to-cut-tax-on-key-medicines-equipment#comments</comments>
<pubDate>Fri, 31 Mar 2023 20:26:05 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://gisntms.info/?p=51</guid>
<description><![CDATA[As the country attacks with a stronger second Covid wave, all the states need the Centre to urgently convene a meeting of the Goods and Services Tax (GST) Council, which has not met for the last six months. This arrives … <a href="https://gisntms.info/hold-urgent-gst-meet-to-cut-tax-on-key-medicines-equipment">Continue reading →</a>]]></description>
<content:encoded><![CDATA[As the country attacks with a stronger second Covid wave, all the states need the Centre to urgently convene a meeting of the Goods and Services Tax (GST) Council, which has not met for the last six months. This arrives after the chorus for rate cuts on key medicines and device grows louder. In this article we will talk on Hold urgent GST meet to cut tax.
Notification on Hold urgent GST meet to cut tax 
Due to the second Covid-19 wave, the states expect the Centre to urgently convene a meeting of the Goods and Services Tax (GST) Council, which has not met for the last six months. This happens after the chorus for rate cuts on crucial medicines and equipment grows louder. Moreover, states also anticipate discussing the addition of the compensation period, under the GST Regime, beyond July 2022 in the council meeting as unpredictable times cast a shadow over state finances.
States are compelling exemption of key Covid drugs like Remdesivir, medical-grade oxygen used in oxygen cylinders, and related supplements, which currently attract 12 percent tax. Other judgments piled up include rationalization of GST slabs, correction of inverted duty on specific items and inclusion of petroleum products, among others.
Also, the law orders the council to meet at least once a quarter, but the long gap this time has given rise to apprehensions.
Additional Notification by Central Government 
Chhattisgarh health minister who represents the state at the council stated that the state is going to write to the Centre for GST exemption on Remdesivir, and related supplements. “We are mandating a GST exemption on Remdesivir and some other items. But, the GST Council requires to meet for that.
Amid this time, the country is confronting a critical shortage of the Remdesivir drug However, due to the high integrity of the pandemic, many states are demanding a high volume of drugs to treat Corona. The State of Chhattisgarh has requested 90,000 Remdesivir injections, worth Rs 14.11 crore, with a pharma major Mylan Laboratories.
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<title>No income tax penalty on Hospitals accepting cash from patients</title>
<link>https://gisntms.info/no-income-tax-penalty-on-hospitals-accepting-cash-from-patients</link>
<comments>https://gisntms.info/no-income-tax-penalty-on-hospitals-accepting-cash-from-patients#comments</comments>
<pubDate>Fri, 31 Mar 2023 20:25:54 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://gisntms.info/?p=52</guid>
<description><![CDATA[Due to the Covid-19 pandemic, the Ministry of Finance published an announcement in this regard on Friday announcing relaxation for the Covid Care hospitals in Section 269ST of the Income Tax Act. In this article, we will discuss on No … <a href="https://gisntms.info/no-income-tax-penalty-on-hospitals-accepting-cash-from-patients">Continue reading →</a>]]></description>
<content:encoded><![CDATA[Due to the Covid-19 pandemic, the Ministry of Finance published an announcement in this regard on Friday announcing relaxation for the Covid Care hospitals in Section 269ST of the Income Tax Act. In this article, we will discuss on No income tax penalty on hospitals. 
Notification on No income tax penalty 
The central government has facilitated Income Tax for the Covid hospitals, dispensaries, nursing homes,s, and Covid care centers of similar facilities for obtaining cash of ?2 lakh or above from the patients.
The Ministry of Finance published notification in this regard on announcing relaxation for the Covid Care hospitals in Section 269ST of the Income Tax Act. But, the exemption for cash payment receipt is for the period of 1st April 2021 to 31st May 2021 only.
The Department of Revenue at the Ministry of Finance has published notification in this regard and stated that the central Government, in the exercise of powers conferred by clause (iii) of Provision to Section 269ST of the Income-tax Act, 1961, hereby specifies hospitals, dispensaries, nursing homes, Covid Care Centre or similar other medical facilities providing Covid treatment to patients for the pertain of Section 269ST of Income-tax Act, 1961 for payment obtaining in cash during 01.04.2021 to 31.05.2021, on obtaining the PAN or Aadhaar of the patient and the payee and the relationship between the patient and the payee by such hospitals, dispensaries, nursing homes, Covid Care Centres or similar other medical equipment.
Further Relief by Central Government 
Further, the central government Informing about the same, the Income Tax Department also tweeted and stated, “providing further relief in view of severe Covid pandemic, provisions of section 269ST of Income-tax Act,1961 relaxed.
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<title>Why a Custom Made Tshirt is a Great Business Decision</title>
<link>https://gisntms.info/why-a-custom-made-tshirt-is-a-great-business-decision</link>
<comments>https://gisntms.info/why-a-custom-made-tshirt-is-a-great-business-decision#comments</comments>
<pubDate>Fri, 31 Mar 2023 20:25:40 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://gisntms.info/?p=50</guid>
<description><![CDATA[Custom printing is playing an increasingly important role for businesses, large and small and there are good reasons why. There are a lot of printing services to choose from but doing some research is worth the effort. Here is a … <a href="https://gisntms.info/why-a-custom-made-tshirt-is-a-great-business-decision">Continue reading →</a>]]></description>
<content:encoded><![CDATA[Custom printing is playing an increasingly important role for businesses, large and small and there are good reasons why. There are a lot of printing services to choose from but doing some research is worth the effort. Here is a look at why custom t-shirts create an advantage for your business over your competition who does not.
Creating comfortable uniforms
In a setting where it is appropriate to dress somewhat casually, t-shirts with branding and a logo on them are a great way to create a uniform for your employees. With custom made tshirt options your workers have less wear and tear on their own clothing, do not have to think about what to wear and as they go to and from work they are marketing for you and representing your business. They are comfortable, can be original and come in all sizes to fit all shapes. Tucked in they look smarter, especially if paired with slightly more formal bottoms, it means they are not roasting on hot days, and you can even use them to show who is managerial and who are in sales.
Using them for marketing purposes
A big part of wanting to invest in printed t-shirts is the marketing opportunity they offer. A lot of businesses can have them made and then give them away as rewards to loyal customers, as prizes on social media, as gifts at conferences. With more people wearing your logo as well as your employees, you are advertising your business wherever they go with very little costs involved and little effort once that initial printing is ordered. You can use writing to create a catchphrase of some kind, an image for your logo, your business name. In some cases, you could even have your address or your website on it. For as long as those people wear those t-shirts you get more marketing.
Creating a team
People wearing the same t-shirts create a team feeling. Whether it is for a sporting team, graduating class, or a corporation, wearing the same t-shirts unites them. As well as making your employees easier to identify at large events, it can encourage them to work together and be more productive as a result. It does not cost much to boost team morale with a custom made tshirt either.
To sell and give away as merchandise
Custom printing is a great way to get creative and come up with something people appreciate and then link to you and your business in a positive way. If it looks great and is a decent t-shirt you can even give them away or sell them and people are happy to wear them not just as a one-off, but as a part of their usual casual wardrobe. They might even become return customers and ask you about when your next design is out. They then become loyal customers and will praise your business to others. You get not just marketing but a good reputation this way.
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<title>10 Effortless Tips for the Smartest Route to Move Homes!</title>
<link>https://gisntms.info/10-effortless-tips-for-the-smartest-route-to-move-homes</link>
<comments>https://gisntms.info/10-effortless-tips-for-the-smartest-route-to-move-homes#comments</comments>
<pubDate>Fri, 31 Mar 2023 20:24:34 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://gisntms.info/?p=44</guid>
<description><![CDATA[If you have found your new home in the city of Coimbatore and shall soon be leaving the city from Mumbai, congratulations! Well, we assume you know where you need to look out to streamline this transition period. It is … <a href="https://gisntms.info/10-effortless-tips-for-the-smartest-route-to-move-homes">Continue reading →</a>]]></description>
<content:encoded><![CDATA[If you have found your new home in the city of Coimbatore and shall soon be leaving the city from Mumbai, congratulations! Well, we assume you know where you need to look out to streamline this transition period. It is the packers and movers in Mumbai that are easily available online with good research. 
Overview
One must not underestimate the struggle of relocations but rather remain prepared for it. Let’s start step-wise and look into how you can find a quality moving company efficiently? We’ve just recommended some advice, now it is you who has to initiate the research and analyze the available moving options to come across the one that is the best moving company, in terms of the assurances offered and the price you will pay for the same!
For that, there is another valuation that is to be done. It is relating to the distance you are moving. Because not every moving company you come across on the internet shall be a pro mover to serve you with desired services. If you have a long-distance move to make, you will have to select a company that is proficient in that and the same goes with when you are looking for a mover that is a pro in a dedicated range of specialized moving services. So, we can say that there are quite a few considerations to be made. And all of this would take up a lot of time.
Henceforth, starting early is the key.
Along with that, just check out the tips shared in this post:
• Make an informed decision – Moves are meant to be conducted mindfully and affordably. But coming across a budget-friendly moving option is not easy. For that, one has to browse several moving alternatives and shortlist the one that not only addresses your moving needs completely but also takes care of your moving budget. So, brainstorm a bit and lay your hands on an expedient deal. • Discuss specific move needs – You can have some distinct moving needs where you may want your fragile belongings to be attended to a certain way or your pets to be moved in the most desired ambience and protection. All of these specific moving requisites should be informed to the moving professionals beforehand. They will then think through the best possible solution for the same. • Manage majority of packing – To have an effortless move, packing should be on top priority. Regardless of whoever does the packing, it should always be on point and executed in the most flawless way possible, where quality packing materials are used and appropriate techniques are integrated. We would advise you to pack some goods on your own so you can save some money.
• Check the transit route early – Relocations often necessitate this aspect and it becomes primal for not just the experts but the customers too, to figure out what the best route for the move is. If you are moving in the monsoons, chances are you will encounter multiple hurdles along the way. The same is the situation when you are moving in the winter. So, inspecting the transit route beforehand is important. • Use calculator to check costs – Calculating the moving costs with the help of the moving calculators and estimators given on the website is advisable. If you know the pricing estimate of your move, you will be able to budget accordingly. Since the majority of the moving websites have smart calculators on their pages, you can easily compare the rates to select an affordable one. • Assess all the moving aspects – When you are sorting movers and shortlisting options depending on your moving needs, you must consider a few primal aspects – for example, the timeline of the move, the insurance coverage, the storage needs, its protocol, its rates, the packing protocol, etc. If you think any of these can impact your move, try to sort and settle these needs with the movers ahead of time. They will make every possible effort to make it happen. • Let the professionals inspect – Packing is the secondary aspect of the move. The first thing is doing a comprehensive inspection of goods at your place. The initial round of assessment is run by the customer and later on when the experts get involved in the picture, they take charge of the entire move and so they start from the inspection of goods first before they proceed with the usual packing tasks. • Note down the move advice – The professionals upon acknowledging and inspecting your move and moving requirements would share some invaluable moving tips and much-needed relocation advice. You must take them into account so you can enjoy a hassle-free move. In addition to that, you must update yourself on some pro packing and moving tips from the online moving guides and manuals. • Opt for apt packing support – One smartest way to shift homes is to get the best packing protection for the entire range of household goods. After all, these properties are what matter the most because these are what we have purchased with our hard-earned money. So, resourcing the best packing supplies including moving boxes, packing materials, stretch wraps, and corrugated boxes, and integrating them into the process is a must. • Take every step sensibly- You may have the experts’ aid with you or you may not have them by your side. But the main individual driving your move would be nobody but you so you should look into every single step that you will take along the process – whether it is for budgeting for the move or planning for the journey; evaluating or surveying your belongings or purchasing the needful packing materials, etc. Watch out every step mindfully so you do not end up making any mistake.
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<title>4 Things to Know About Being a Property Investor</title>
<link>https://gisntms.info/4-things-to-know-about-being-a-property-investor</link>
<comments>https://gisntms.info/4-things-to-know-about-being-a-property-investor#comments</comments>
<pubDate>Fri, 31 Mar 2023 20:24:22 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://gisntms.info/?p=45</guid>
<description><![CDATA[Property investment can be an excellent way to turn a profit, but it’s not for the faint-hearted. Landlords have a lot of responsibilities beyond collecting rental checks. They have to find good tenants, ensure compliance with the law, and adapt … <a href="https://gisntms.info/4-things-to-know-about-being-a-property-investor">Continue reading →</a>]]></description>
<content:encoded><![CDATA[Property investment can be an excellent way to turn a profit, but it’s not for the faint-hearted. Landlords have a lot of responsibilities beyond collecting rental checks. They have to find good tenants, ensure compliance with the law, and adapt to issues when they arise (which they often do). Rochester NY is a thriving market, so if you’re thinking about becoming a real estate investor in the Rochester area, these four tips will help you achieve amazing results.
You’ll Need Good Tenants 
Once you’ve purchased a property and got it ready to rent, you’ll want to find good tenants who aren’t going to cause endless problems. Ideally, every landlord should meet their renters face to face prior to signing any contracts.
This helps both parties get a feel for one another and build rapport. For those just starting out, using rental management in Rochester NY will take some of the burden off finding suitable tenants the first time around. Your management team will have all the skills and experience necessary to advise you when it comes to finding and managing renters.
You’ll Need Proper Insurance 
Don’t scrimp when it comes to insurance. We all hope to have renters who will look after our properties with care but, unfortunately, this just isn’t always the case. Besides, some situations are out of even the best tenants’ control. You need to ensure your rental properties against damage.
You’ll Have Certain Responsibilities 
Being a landlord is about much more than just owning a house and earning a healthy passive income. Although that’s part of it, there are lots of additional responsibilities that come with the role. Landlords are responsible for ensuring that their tenants have a safe and comfortable place to live in. That means you’ll have to stay on top of maintenance inspections to ensure that your property is health and safety and building compliant at all times. Landlords must also tend to maintenance and repair issues raised during a tenancy. Failing to tend to repair issues won’t just leave you with disgruntled tenants; it’s actually a legal requirement and, for urgent repairs, landlords are required to act within three to seven days. You’ll Need to Engage Good Rental Management
If you’re becoming a property investor for the first time then it’s worth getting good rental management. Looking for rental management (Rochester NY has some excellent companies) is the safest bet. They will provide you with the guidance you need and take care of many of the landlord’s responsibilities, which include finding good tenants, setting rental rates, managing rent payments, advertising, billing, accounting and ensuring legalities and compliance.
Becoming a landlord is rewarding and challenging in equal measure. To get started as a property investor in Rochester you’ll need good tenants, proper insurance, a can-do attitude, and most importantly the support of expert rental management. In Rochester NY there are opportunities waiting for you – it could be time!
Author Plate 
Danny Torres is from Torres Turn Key, a property management company in Rochester NY with more than ten years’ experience providing a holistic service for both domestic and international investors. When it comes to property rental management, Rochester NY is one of the most exciting areas to invest in both commercial and residential properties. The company brings together a host of experience and specialist knowledge to build long-term relationships and create maximum value and benefit for their customers.
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<title>12 Brilliant Household Packing Tips for an Easy Move!</title>
<link>https://gisntms.info/12-brilliant-household-packing-tips-for-an-easy-move</link>
<comments>https://gisntms.info/12-brilliant-household-packing-tips-for-an-easy-move#comments</comments>
<pubDate>Fri, 31 Mar 2023 20:24:09 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://gisntms.info/?p=46</guid>
<description><![CDATA[For your upcoming Delhi to Punjab move, you chose to opt for the best relocation help and that is why you appointed the professional packers and movers in Delhi before time. Well, when it comes to moving, you can never … <a href="https://gisntms.info/12-brilliant-household-packing-tips-for-an-easy-move">Continue reading →</a>]]></description>
<content:encoded><![CDATA[For your upcoming Delhi to Punjab move, you chose to opt for the best relocation help and that is why you appointed the professional packers and movers in Delhi before time. Well, when it comes to moving, you can never assert that you are prepared. Because the truth is, no one is completely prepared. There is always room for doing something more, something extra. 
After all, relocations are a serious life event involving not just your emotions, but your finances, efforts, peace of mind, and the most valuable, your time. And when despite all the possible preparations and planning, the relocation project does not come out the way you plan it, the feeling is heartbreaking.
Keeping that in mind, this article is created to highlight some brilliant household packing and moving tips that are not just going to make your move a memorable event but are going to relieve you of the unwanted moving qualms and concerns that burden your mind whenever there is a move.
Let’s begin:
1. Commence early – What would you love? Packing your household chockfull of stuff in a few days or packing items gradually over some time? Well, the second one is the ideal way to tackle belongings for a move because packing for a move requires serious planning and if you rush into the process due to a time crunch; you may pack your stuff that efficiently.
2. Remove the unwanted – Well, let’s simplify the packing task for you and also for the movers. If you are preparing for your move for quite some time now, you would realize you have a significant amount of unwanted stuff in your place that does not deserve a chance to be moved to your new residence. All these items must be dealt with before the move either over sale, donation or simply be discarded.
3. Know the box logic – If you are packing your articles on your own, you must know this one packing rule. When you are packing smaller, fragile articles like décor items, artifacts, and sentimental possessions, you must put them in decent size boxes and not smaller ones. That way, there will be sufficient space in the box that you can use to cushion the object efficiently. Pack bigger items in similar size boxes so there is no room for the hefty article to shift sides during the transit disturbance.
4. Get the essentials – Whether it is collecting furniture blankets for your high-value fittings and fixtures, or sourcing the best fabric sheets to protect your expensive, elaborate household stuff, you must first create a detailed list of packaging materials that you will need to execute the packing process. Some of the key materials you must have include moving boxes, wrapping paper, bubble wraps, corrugated sheets, stretch wraps, etc.
5. Pack clothes carefully – First, decide who and how clothes are to be packed. Do you want to handle them by yourself? Or do you want the professional packers only to pack your clothes? Whatever you choose, make sure your clothes are packed well. Separate the daily wear clothes, office wear outfits, and the fancy clothes. Similarly, sort out the off-season clothes and pack them first.
6. Prepare the electronics – The electronic items at your place like the laptop to the major appliances including the refrigerator, television, computer, washing machine, dishwasher, chimney, etc. must be prepared first before they are packed for the move. Each of these must be cleaned using stain removers so they can be installed straight away after the move.
7. Attend delicate items – Whether you are packing the specialty items from your living room or the ones from your kitchen, every fragile item requires foolproof packing which must be done using protective packing materials like bubble wraps, packing paper, foam sheets, etc. secured properly in double-duty packing tapes.
8. Pack assorted items – There is a lot of stuff in our household that we feel does not belong to any category. All these sundry items must be packed in one box and labeled as ‘miscellaneous’ or can be packed in a separate vacuum bag or plastic pouch if they are small articles and not something big in size. You may pack keys, nuts, single articles without the set, etc. in this box.
9. Let the experts pack – You need not worry about the complicated stuff at your place. The professional movers you hired would evaluate those carefully and devise effective ways to handle them for the move. Moreover, they will even incorporate innovative packing and moving strategies to ensure every piece of your complicated stuff gets transferred to the new place intact. So, leave the job to them and rest easier.
10. Label the boxes – You can either add name labels that are printed or use the ones where you add the package details on the labels on your own. If you are using handwritten labels, use permanent markers to add the needful information. We would advise you to use print labels because they are waterproof and safe.
11. Pack boxes right – There is a way to prepare and pack moving boxes. Every moving carton requires fortification and the ones carrying heavy stuff or fragile objects need special attention because any kind of rupture to these boxes can call for big mishaps during the move. So, you can let the professional packers handle it.
12. Pack liquids upright – When you are packing liquids, whether it is from your bathroom (the bottles of toiletries like shampoo, conditioner, shower gel, hand wash, etc.) or your kitchen (bottles of ketchup, oil, taste enhancers, etc.), you must enquire your movers and packers in Delhi about the non-allowable items for the move because in most cases, liquids that are solutions with some percentage of foreign elements are considered risky. But even if you had to pack them, pack them upright.
We tried to cover all the packing tips that one usually undertakes during their household packing task. You may have a few more things to pack or some less stuff to prepare, but keeping in mind these 12 tips are surely going to help you for your next move.
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<title>High Risk Loans – 8 Things You Should Know About High Risk Loans</title>
<link>https://gisntms.info/high-risk-loans-8-things-you-should-know-about-high-risk-loans</link>
<comments>https://gisntms.info/high-risk-loans-8-things-you-should-know-about-high-risk-loans#comments</comments>
<pubDate>Tue, 21 Mar 2023 17:00:16 +0000</pubDate>
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<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[Every day, more people are losing their jobs and finding themselves in tough financial times. If you have ever been among these unlucky people, you may have damaged your credit rating and feel like you may not be able to … <a href="https://gisntms.info/high-risk-loans-8-things-you-should-know-about-high-risk-loans">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Every day, more people are losing their jobs and finding themselves in tough financial times. If you have ever been among these unlucky people, you may have damaged your credit rating and feel like you may not be able to get a loan. While it may be tough to find them, loans exist that are designed for people in just this situation. While it is sad that so many are struggling, it means that there is more demand for high risk personal loans, especially unsecured personal loans, and these loans are more available to people who might not have qualified for loans in the past. Bearing this in mind, here are the 8 things you should know about high risk loans:1. Payday Loans are ExpensiveYou probably already know that payday loans should really only be a last resort. Unless you are absolutely sure you can repay them in full, they will typically cost you far more than they are worth. When extended for a full year, a $100 payday loan can have almost an 800% APR. That is astronomical compared to the rates that banks and even credit cards charge.2. Payday Loans are Easy To GetYou are a grown-up, and only you can decide if it makes sense to get a payday loan. If you decide to apply for a payday loan, you will usually need to bring your ID, proof of income, a bank statement, and the date of your next pay day at a minimum. Some places also require you to have a certain level of income before they will give you a pay day loan. The good news about pay day loans is that you can get them the same or next day in most cases and there is typically no credit check, so your credit doesn’t have to be good to qualify for one.3. Payday Loans do not Improve Credit ScoresYou would think that a loan paid off in a timely fashion would help you build your credit. This is not always the case. Since these loans are not usually reported to the major credit bureaus, they do not have a bearing on your credit score.4. You Can Get a Loan OnlineOne of the best places to find a high risk personal loan is online, and you can get an online loan from the comfort of your home. If you have a poor credit rating, it can be embarrassing to apply for a loan in person only to be turned down. Going online for your application, ensures that you do not have to put yourself in this position. Online Loans usually have low limits on the amount of money you can borrow, which might prevent you from taking on more than you can handle financially.5. Tax Return Loans are AvailableKnown as Return Anticipation Loans (RALs), these loans are extended based on the anticipated amount of your tax return. Basically, they are cash advances with interest rates ranging from about 50% to over 500% APR. Keep in mind that if you file your taxes early, you can generally have your return within 8-10 days if you file electronically and use direct deposit. This is almost always a better option than a Return Anticipation Loan, but it is good to know that they exist.6. Your Car Can be Used as CollateralKnown as Car Title Loans, these are secured loans that use the title of your car as collateral. Often, the loan is for less than the car itself is worth, so it is essential that you are able to pay back the loan because the lender can take possession of your car if you are unable to pay in a timely manner. You are going to need your car, right? So, be very careful if you decide to go this route. The one positive is that secured loans such as this often have lower interest rates than payday loans.7. There are High Risk Loan StoresYou can sometimes qualify for high risk personal loans of thousands of dollars or more if you go to one of the personal loan stores that are available in some states. With the credit crunch in the United States, there are fewer of these stores than there used to be, but a few still exist. High risk personal loan stores specialize in giving loans to people with bad credit. These are not pay day loans that you pay back in a couple of weeks. These are genuine, non-collateral, unsecured personal loans that you pay back over several years. Sometimes, you can get a lump sum loan, and other times you may qualify for a line of credit where you free up more money to spend as you pay off your loan(it’s like revolving credit). The interest rate is typically high, but you have longer to pay it off, and it looks good on your credit report to have a higher loan awarded to you. These will probably take some work to find, but may be one of your best options.8. Lenders Take a Risk, TooBecause these types of loans are really high risk to lenders, the fees and interest rates are typically higher for online unsecured personal loan options than they are for traditional loans. As such, you will probably have to pay more just to acquire one. Keep in mind that these are high risk personal loans to individuals whose credit doesn’t warrant better terms, but better terms are often available to those with better credit scores or some sort of collateral.Other Things to Keep in Mind About High Risk Personal LoansOne more thing that may make the process of searching for a high risk personal loan simpler is to search in your state first. The regulations for high risk loans are different in many locations and lenders may be more apt to loan to people located closer to them. Having said that, there are many financial products online and available anytime, and it will just take a little of your time and patience for you to find the right one.Once you’ve decided which option is best, make sure that you do some research first and compare the interest rates of each lender. This will keep you from taking a loan that could cost you more money than you realized it would.
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<title>Introducing Diploma of Investigative and Forensic Accounting: A Case Study in Lebanon</title>
<link>https://gisntms.info/introducing-diploma-of-investigative-and-forensic-accounting-a-case-study-in-lebanon</link>
<comments>https://gisntms.info/introducing-diploma-of-investigative-and-forensic-accounting-a-case-study-in-lebanon#comments</comments>
<pubDate>Tue, 21 Mar 2023 15:07:25 +0000</pubDate>
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<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[DIFA, Diploma of Investigative and Forensic Accounting, is gaining acceptance due to its importance in facing corruptive business practices and financial theft. However, the absence of Forensic Accounting (FA) is still noticed in countries of opaque business practices. Furthermore, only … <a href="https://gisntms.info/introducing-diploma-of-investigative-and-forensic-accounting-a-case-study-in-lebanon">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ DIFA, Diploma of Investigative and Forensic Accounting, is gaining acceptance due to its importance in facing corruptive business practices and financial theft. However, the absence of Forensic Accounting (FA) is still noticed in countries of opaque business practices. Furthermore, only few universities across the world are introducing DIFA, thus a major work has to be done to shed the light on the importance of the diploma in the first place and then offer it as an official diploma with courses relating to FA whether in universities or financial institutions.The major concern lies in the fact that Forensic Accounting is neither provided in universities as a diploma, nor at financial institutions to detect fraud and make legal court reports. In many universities of Canada and the United States, the DIFA, is being included in the curriculum in order to recruit new students and provide skills set for career advancement through development of a specialized niche. One of the objectives of the Alliance for Excellence in Investigative and Forensic Accounting (Alliance), established by the Canadian Institute of Chartered Accountants (CICA), is to develop and manage a specialist certification program. This diploma is designed as a comprehensive program for someone who wishes to practice in this area. CPA, CFA, CIA are examples of certificates granted in Lebanon, however, no diploma is available related to Forensic Accounting. Therefore, it could be a diploma given in educational institutions that grant CPA or any other certification related to auditing or accounting.Furthermore, the importance of adopting FA in the universities’ accounting curriculum is highlighted especially that its demand for it is increasing gradually. Such adoption has a huge potential to enhance students’ skills and competencies and could be used as a veritable resource from which fraud could be mitigated. Fresh graduates can as well attain the DIFA program that provides a broad range of knowledge and skills to carry out financial investigations. This range includes accounting, audit, income tax knowledge, fraud knowledge, knowledge of law and rules of evidence, an investigative mentality and critical skepticism, understanding of psychology and motivation, and strong communication skills (Stott, 2005).The program focuses on knowledge and skills that can be best taught and examined in person: such as handling a face-to-face meeting with a client, interviewing skills, and testifying in court as an expert witness. DIFA supports accountants with the knowledge and skills needed to bridge the gap between existing quantification models and principles and different litigation contexts (Stott, 2005).Based on descriptive statistics of survey results conducted in Lebanon, being a country of opaque business practices, to identify the certificates that a forensic accountant must possess showed that:
59.09% of the respondents thought that a forensic accountant should have a DIFA;
31.82% proposed that CPA is the needed certificate (Certified Public Accountant);
20.91% thought that CFA is the appropriate one (Chartered Financial Analyst);
10.00% mentioned other types of certification.
2.12% of the respondents didn’t find it necessary to have any certification to become a forensic accountant. 
Furthermore, the relation between occupation and the respondents’ opinion about the types of certifications that a forensic accountant must possess was also studied. The following breakdown shows the percentages of respondents who proposed that DIFA is the important certification based on job occupation.
69.10% of the respondents working in banking or insurance
51.60% of the respondents working in finance
72.70% of the respondents working in education
80% of the respondents working in management 
However, most of the respondents in the accounting field thought that CPA is the type of certification that should be possessed by the forensic accountant with a 77.10%. People working in accounting usually tend to pursue a CPA degree for the help it provides in this domain.In addition to the above, the relation between experience and the respondents’ opinion about the types of certification that a forensic accountant must possess was also studied. The results, based on those who choose DIFA as the needed certificate, were as follows:
most respondents with more than two years’ experience thought that DIFA is the needed certification to practice FA
51.90% of respondents with 2 years’ experience and less thought that DIFA is the needed certification to practice FA;
68.80% between 2 and 6 years of experience thought that DIFA is the needed certification to practice FA;
55.40% of those with less than 2 years or no experience at all thought that CPA is the type of certification that should be possessed by the forensic accountant. 
Moreover, the surveys conducted answered the question whether the respondents approve that the DIFA should be included in the Lebanese university programs. It demonstrates that:
97.88% of the respondents accepted having a DIFA in the universities;
2.12% of them didn’t accept having a DIFA in the universities; 
This is especially important since most of the Lebanese people are in the stage of pursuing their educational degrees of which the highest percentage is studying finance.Supporting the results of the surveys, interviews were also conducted to know about the type of certificates that a FA must hold. Most respondents approved that there should be a certification granted to a forensic accountant. This can be illustrated by what the accounting manager at “Malia Group Multinational Company” (with 5 years of experience) stated by saying: “It should be taught in universities and the business owners should request in their vacancies for an accountant with a certain certifications such as DIFA”The interviewees’ answers stressed that it should be introduced in all universities and educational institutions leading to a certificate (DIFA), and candidates should have knowledge and a degree in accounting and auditing. As one interviewee, a partner at Bureau d’Analyse et de Revision Comptable (BARC) for auditing and taxation (with 33-36 years of experience) puts it: “It is a way to prevent corruption this is why I specify that it should be taught in universities because I strongly agree that it is implemented”. Relating interviewees’ recommendations to include FA in university programs, the head of audit department at “professional auditors” (11 years of experience) states: “FA is important for cheating methods, it can be introduced in universities”.Interviewees gave different responses and suggestions about what is needed to perform Forensic Accounting. One interviewee coded that: “There are specific teaching programs such as CPA and there are special programs for certified financial forensic and DIFA”(Partner of an audit and taxation firm “Bureau d’Analyse et de Revision Comptable with 33-36 years of experience). Thus interviewees thought that a forensic accountant should be an experienced auditor or has a deep knowledge in laws; the type of certification needed could be CPA (certified public accountant), or have a license in accounting, a certification or a diploma from the LACPA (Lebanese Association of Certified Public Accounting). For instance the head of the audit department at professional Auditors indicated that: “Of course you need to have a license in accounting and maybe CPA, for example in our LACPA Lebanese association of certifies public accounting maybe you can get this diploma there”.Other interviewees said that FA should obviously have a degree in accounting besides the needed experience to be able to detect suspicious acts, or have a BA degree with issues related to fraud and disclosure, CPA is a plus, or maybe have CFE. A lecturer and former partner at KMPG (with 15 to 17 years of experience) commented on this matter by saying: “On the educational level the best certification would be CFE if anyone wants to be involved in that topic he must go for such certification specialized in fraud examination”.If anyone seeks to be involved in this domain he must go for such certification specialized in fraud examination. Others said that FA already has CPA or long experience. Furthermore, a forensic accountant, as an auditor have stated: “should have investigative skills and you should do the proper training in order to be competent”. Other interviewees also noted that a forensic accountant should have investigative skills and undergo proper training in order to be competent or be a certified accountant with certain skills and experience; the certifications needed are an accounting degree or a law degree since the forensic accountant may have to testify in courts. Or have a formal education in fraud; certifications could be CPA or CFE.Another important statement coded from the interviewees is that “To become a forensic accountant, you need to be a certified accountant with certain skills and experience, the certifications needed are accounting degree or law degree since the forensic accountant could testify in courts” (Accounting Manager at Malia Group, with 8 years of experience).In other words, FA accountants should be accountants in the first place, no specialized certification, but should be involved in training workshops or seminars that help enhance his knowledge and skills, or be an accountant or audit with knowledge about relevant laws. An accounting degree is enough but it would be better if he could take courses in investigative accounting if they are available in Lebanon. In addition they should have a degree in accounting with a profound experience and analytical skills; a certification would be a plus such as CPA or any other certification in accounting and auditing field.Interviewees also reported that the certification that could be held by forensic accountant to practice FA is CPA since it is well known because it is available in many educational institutions. Almost all respondents conferred a high degree of importance for introducing FA in the educational sector in the financially corrupted countries.Almost all respondents believed that FA should be taught in universities as a course or a graduate major or as case studies in an audit related course. Suggestions also included that FA could be a specialty in educational institutions that grant CPA or any other certification related to auditing or accounting.Respondents and interviewees also suggested introducing FA through workshops and seminars with the assistance of experts and skillful forensic accountants. They also showed acceptance for online educational programs since DIFA is not available in most financially corrupted countries while it is available in the USA. Therefore online education could shorten the distance to people who cannot leave work and are interested to be specialized in forensic accounting.The participants also recommended that the employees and managers, who are responsible for the financials of the company, should be educated and submitted to an intensive training to develop their skills to enable them to detect fraudulent activities within the company.In sum, DIFA is designed to provide a broad range of knowledge and skills to carry out financial investigations. Employee and management fraud, theft, embezzlement, and other financial crimes are increasing, therefore accounting and auditing personnel must have training and skills to recognize those crimes. In addition, high-visibility corporate scandals, such as Enron and WorldCom, demonstrate the need to better prepare entry-level accounting graduates and practicing CPAs in the areas of fraud prevention, deterrence, detection, investigation, and remediation, Houck et al., (2006). Universities and educational institutions, as will be discussed later on, play a vital role in introducing DIFA and other FA related courses, certificates and diplomas. These formal certificates can deepen the students’ knowledge and sharpen their skills in Forensic Accounting through trainings under the supervision of an experienced forensic accountant, participating in various international conferences, reading relevant journals, books and other literature.
Universities: 
Universities play a constituent role in introducing FA since they can control the materials that could be taught to the students. Introducing it as a degree, Forensic Accounting could be one of the majors that exist in universities; the study proved that there are some educators who are knowledgeable in the field since most of them did their doctorate degree in the USA and UK. Therefore it could be an undergraduate or graduate degree in the universities.Concerning the courses, Forensic Accounting could be given as a course in the university instead of being a major; it could be included as part of accounting, CCE, Law or any other major but customized for each specialty.Regarding the case studies, in case FA is not considered as a major or given as a course, it could be highlighted through case studies where the students analyze many international fraudulent cases and the methods and the logics that were used by forensic accountants to detect and reveal the fraud.
Educational Institutions:
Educational Institutions complete the role of the universities by covering the gap when some of the courses and degrees are not granted by the universities; they would be available in educational institutes or academies. The major course of actions that could be taken by these institutions is granting DIFA which must be an official certification given to the experts that want to practice Forensic Accounting in their countries. Yearly or monthly sessions must be announced through specialized means of marketing. Moreover, the certification could be incorporation with the government where certified accountants working in their departments and institutions could be sent to acquire it from a reputable educational institution. This certificate should be officially recognized and certified from the ministry of education, finance, and justice. The syndicate must hire qualified forensic accountants capable of studying, analyzing, suggesting policies, and training others.Houck, M., Kranacher, M., Morris, B., Riley Jr, R., Robertson, J., & Wells, J. (2006). Forensic accounting as an investigative tool. CPA Journal. Aug2006, Vol. 76 Issue 8, p68-70. 3p,Taha, N. (2014). Forensic Accounting in Countries of Business Opacity (1. Aufl. ed.). SaarbruÌï¿½cken: LAP LAMBERT Academic Publishing.Stott, M. (2005). “The Role of Investigative and Forensic Accountants and their Importance in Maintaining and Enforcing the Integrity of Canada’s Capital Markets”
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