October 26, 2021

Eight ways to get a loan in person, the final one should be cautious


Whether it's to meet everyone's excessive consumption requirements or to apply venture capital, bank credit inspires an essential efficacy. But for regular people, getting a loan from a financial institution is not an easy thing to do. Online loans or 私人貸款 microloan loans as a filler are also very crucial in reducing the pressure of temporary asset work level. The following is a list of eight ways to get a loan, although not very comprehensive and sound, but also look forward to some assistance to those who must.

One, financial subsidized loans.

This type of loan contains the characteristics of the current policy, suitable for small and medium-sized entrepreneurs. There are more varieties of loans, such as: self-employment of college graduates, veterans, women's entrepreneurship, micro-enterprise support; support for the poor staff self-employment, laid-off workers self-employment these. General provisions are project investment, self-employment, if the above staff self-employment can be applied for.

Advantage is the financial discount, and even the full amount of interest-free installment; disadvantage is that the loan credit is not high, generally all 50,000, 100,000, the maximum does not exceed 300,000.

Second, consumer loans.

These aspects of the loan is more popular, the key to housing loans and car purchase loans as the leading. Buy a house, car application loans, has long become the preferred choice of most people . And the application process is also very convenient, the general raw materials are prepared by the relevant parties. At the level of buying a house, if you enjoy the personal provident fund, the interest rate is also very low. Nowadays, in order to meet the consumer market, commercial banks also handle loan goods in categories such as renovation and vacation travel.

The advantage is that the loan is convenient and the interest rate is not too high; the disadvantage is that the regulations on personal credit are stricter and are more limited by the new national policy.

Third, personal credit loans

Personal credit loans are more extensive, bank credit cards, online loans, small loans can also be counted in this, here is the personal credit loans of commercial banks. The general age above 20 years old, there is a smooth salary of the administrative organs, enterprises, institutions and institutions employees, all can still be, the state civil servants in these aspects of the advantages more significant some, is the general staff to join the business and trading key to get assets method. Similar to most of my loans, the maximum of these loans are not more than 300,000 yuan. And in the use of assets is also more convenient, a credit line, borrow and repay the loan as you go, into the key way.

Advantages: easy to use, disadvantages: personal credit report regulations are stringent.

Fourth, loan guarantees, pledged loans.

The pledge and loan guarantee loans, for some people who can not apply personal credit loans, enabled the way to get assets. However, the first requirement is to have a financial institution sure pledge or suitable loan guarantor, and for general pledge loans, generally need to be re-guaranteed through the loan business, so that the cost is much higher, the annual interest rate to 12% or less, but than other channels of equity financing, or to be much more cost-effective. In the loan guarantee loan, the guarantor bears the legal responsibility, the guarantor's true identity is not the same will have an impact on the interest rate, many commercial banks will be divided into loan guarantees of state civil servants and general partner loan guarantees.

The interest rate of such loans, higher than the general financial institutions loans, but compared to small loans loans or other ways of equity financing, interest or to much lower.

Fifth, the application of credit card swipe.

The application of credit card swipe and even project investment, many people have long been very clear. It is to do more than one bank credit card, according to the form of installment repayment or withdrawal to obtain assets. Naturally, the credit card cash is also a method, but is not allowed. The interest rates and costs are relatively high, generally close to or up to 20% APR.

The advantage is: more convenient; the disadvantage is: very high costs, violations of the risk of card suspension.

Six, online loans.

Offline promotion can not borrow, there are many ways to finance online. Reliable online loans are counted as personal credit loans, many large Internet platforms have their own financing companies, through personal credit score after giving loans for users. And it is easier to apply and repay the loan, there are more types of installments, and the payment is also very fast. However, at this stage, the control of the online loan business also needs to be improved, and it is also overflowing with a part of the spoilers, and even use the online loan to do the cover to do the deceitful things.

Advantages: unsecured loans, loan guarantees, fast disbursements.

The disadvantages: the interest rate is higher, select the loan business to pay attention to.

Seven, P2P loans.

P2P loans are generally all online and offline closely, P2P service platform as an intermediary, from online digestion to absorb the assets of investors, followed by online or offline promotion to distribute loans, the service platform to get among the spread. This kind of loan is generally very high interest, the platform financing interest far more than the deposit interest, the service platform also need to get the spread in this, the higher the loan interest the higher the more obvious it is. In addition, the current stage of P2P service platform is mixed, some black service platform overflowing in it, is a source of the set of loans.

Advantages: loans without collateral, loan guarantees, little to no provision for personal credit.

Disadvantages: high interest rates, the risk of being "tricked".

Eight, microfinance companies.

The small loan companies mentioned here can be more unreliable, they do not have the approval to operate the financial industry, usually shouting business consulting, financing companies and other names, the practice of loan business processes, in fact, most see loan sharks. Not only in the interest rate is high, and also coincidentally deduct all kinds of expenses, "online loan interest", "service fee", "door-to-door service fee", "look head fee ", "towing costs", "management fees", "insurance costs", "breach of contract fees " These, in many forms, come in a variety of forms. Once the lender breaks the contract, they mostly apply scratching, scaring, coercion and other ways to collect, and even have also practiced intentional injury, extortion and other criminal acts. The interest and spend more than the legal interest rate many times, some use a loan repayment method, the interest is even higher than the principal tens of times.

Advantages: no personal credit limit; disadvantages: not recommended in the microfinance company loans.

I get assets, but also according to the pawnshop, equity financing, friends and family loans and other ways, it is not here outlined. Overall, it is proposed to keep a stable personal credit, to borrow in commercial banks or reliable online loan service platforms, and not recommended to borrow from microfinance companies.

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成功率の高いローンはどれか:銀行ローンの成功率を上げるための方法

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Posted by: candicekp at 08:05 AM | Comments (1) | Add Comment
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October 07, 2021

What should I do if my child is nearsighted? There are many tips to help you deal with your doubts


Summer vacation is here, many parents for better self convenience, let children look at the phone, play games, themselves to busy with other things. But I don't know, it is exactly this kind of approach that makes children get all kinds of eye diseases and wear兒童近視控制鏡片 myopia glasses very early. It is the hope of anyone to have a pair of physically and mentally healthy eyes that will speak. Children's eyes are very sensitive and still in the process of development, very easy to suffer damage due to improper handling. Children usually lack the concept of protecting their eyesight and do not pay attention to the effective use of eyes, so at this moment it is necessary for parents to properly guide their children to use their eyes effectively. What should parents do to prevent their children's eyes from becoming nearsighted?

1. Pay attention to eye hygiene

Children's skin is more tender, the body resistance to pathogenic bacteria are not strong. Therefore, the usual adults and children's hand towels and other toiletries must be placed separately. Prevent contamination of the trachoma. Acute conjunctivitis and other infectious eye diseases.

Children are cheerful and active, and they can carry germs in their hands after playing. Parents should always educate their children not to rub their eyes with dirty hands. After playing, you should often wash your hands to disinfect, to avoid sand and other things fall into the eyes.

Take children to the water amusement park to兒童近視 play, to pay attention to the reservoir water is not to achieve food hygiene standards. In the summer, the light source is too obvious, to avoid children's eyes were ultraviolet light zap, when going out is best to give children wear sunglasses. Sun hat and so on to protect the eyesight.

2. Form good eye fatigue habitual

Good habits should be cultivated since childhood, and wrong habits need to be corrected on time. Do not let your child lie down to read a book. Lie in bed with the TV, always pay attention to the posture of reading and writing, once found to correct early, to make children aware of the need to use their eyes properly.

In learning to write. The book is a good natural environment, and pay attention to shaping the child's proper reading. Writing posture.

To buy tables and chairs according to the child's height, so as to ensure the completion of the accurate writing posture, so that the eyes and textbook spacing to achieve the appropriate provisions.

Avoid extra-ocular muscle fatigue, study time does not have to be too long, after reading for more than 40 minutes to rest for 10 minutes, look at distant objects, do eye exercises.

Decline in eye vision should be immediately to the hospital for medical examination. Medical treatment.

3. Reduce the time to apply electronic products

Now is the era of the Internet, children since childhood gradually began to touch the cell phone, computer and other electronic products. However, the flashing display of electronic products, the impact on children's eyes is particularly large, long-term close look at things, but also very easy to cause eye fatigue. This kind of excessive personal behavior with eyes is a big reason for myopia. Therefore, parents must take the initiative to properly guide and manipulate their children's time to apply electronic products.

4. Promote outdoor sports

The actual fact is that you will be able to get a lot more than just a couple of days to get a lot more than just a couple of days. There is no need to make the eyes overly tired. Therefore, parents and teachers need to motivate children to go out more to participate in activities, not only the eyes to get relief rest, strengthen the exercise, but also to make the child's eyes more broad, and at the same time also help the parent-child tour in the middle of the emotional communication. Especially in the summer, more need to make full use of this time to go out more, strengthen exercise, and release under a good.

5. Effective and balanced diet with

The human body is in the growth period of the child, has been the development period is particularly must nutrients. This is especially true for children's eyes. An effective and balanced diet becomes very critical. Parents should not only give their children an effective diet, but also let them develop a good diet structure.

Eat more fruits and vegetables and fruits, eat less sweets, do not be picky or picky about what you eat, and diversify your diet as much as possible. Pay attention to vitamins. Zinc. Calcium. Protein and other nutritional elements to fill.

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Posted by: candicekp at 04:30 PM | No Comments | Add Comment
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October 05, 2021

Should polyps, which are unnecessary meat, be removed?


A polyp is a superfluous object that appears on the surface of human cells, and modern science generally refers to a superfluous object that 肉粒切除 grows on the surface of the body's mucous membrane as a polyp. Many people find that there are polyps in some places of the body after regular medical checkups, which makes them very anxious, because when polyps are mentioned, many people imagine cancer.

Not every polyp is cancerous, but there are some similarities between polyps that become cancerous.

First, polyps that develop rapidly in a short period of time

If this type of polyp occurs, it should cause attention, especially if the diameter of the polyp exceeds two centimeters, usually may be classified as malignant, the patient should be diagnosed as soon as possible to prevent rapid malignancy and missed opportunities for treatment. Generally speaking, the larger the polyp, the greater the probability of cancer: <1% for polyps under 1cm; 10% for polyps 1-2cm; and 50% for polyps >2cm.

Secondly, cystic adenoma type polyps

Pathologically, polyps are cystic adenomatous and inflammatory. If a physician diagnoses an inflammatory polyp, the probability of cancer is low, but if the diagnosis is cystic adenomatous polyp, it should be noted that such polyps are more likely to become malignant and carcinogenic

The third is cauliflower type. Broad-based polyps

Compared to small polyps with a small size. Polyp with tip, cauliflower type. Wide-based polyps are more likely to become cancerous, and patients with such polyps should be treated early.

Fourth, sinus receptor polyp

If the body produces several polyps at the same time, it is important to pay attention to it, after all, the chance of cancer will increase due to the number of polyps

These 3 signs are the signs of polyp cancer.

1. Stool bleeding: the cancer rate of a polyp is 1%, then the growth and development of 100 polyps, cancer is likely to be close to 100%, when the polyps and cancer climb "friends and relatives", the patient will appear stool bleeding. The blood night is bright red, or dark red, the blood strips can be more or less, take medicine and drip can not easily turn better.

2. fart: all normal people need 2 to 5 liters of exhaust every day, whether the gut is physically and mentally healthy. Whether the bacteriological flora is balanced, can be assessed from the gas you discharge. If the fart is accompanied by bad odor. Fishy odor. Frequent diarrhea. In case of severe constipation, it means that cancer is only one step away from you.

3. Very rapid decrease in weight: When polyps evolve into tumor cells, it needs a large amount of nutrients to develop, so the weight of the rest is relieved unexpectedly and rapidly, most likely because the body's tumor cells and regular body cells are competing for nutrients, and when the patient is thin and bony, it often reaches the end stage.

People usually talk about cancer fear, that is, polyps may be cancerous, usually should pay more attention to check, if needed should be removed immediately! A small data signal, detected in advance, can reduce the likelihood of cancer!

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Posted by: candicekp at 06:12 PM | No Comments | Add Comment
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