Posts tagged Resources

What financial resources available for the construction, if I buy undeveloped land and an offer for a house on this earth?

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I live in an urban area and just found a free plot of land between two houses. I am interested in building a house with one touch / modern design and environmentally friendly features. If I rent the land purchase and an architect / engineer to have the structural design, I have a few people in to buy the house before it is built is interested. If I buy an offer from them, the house, what are my options for financing the construction of the project? Reply

TsionbenJudah
construction perm loan would be best.

Human Resources Audits: 6 Ways Electronic Document Administration (EDM) Can Aid You Comply

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Managers who are value their salt perform difficult to make certain workers have the instruments they want to deal with each day company and tackle probable issues. Strategic organizing, acceptable policies and clear communications’proactive and reactive’lay the groundwork for achievement. But with out a periodic audit of your practices, it is hard to ascertain no matter whether you and your crew are adequately prepared and regardless of whether methods are regularly being followed or are nonetheless even relevant.

Typically, auditors desire a sea of documentation that must be dredged from multiple programs. If you’ve ever before gone via the method manually’or searched for employee handbooks, programs, contracts, positive aspects summaries, tax forms, pay out stubs and other files scattered amid legacy techniques, databases, and line-of-organization apps’ the disappointment is acquainted. All you truly want to do is exchange cumbersome search for meaningful work that developments your business’and nevertheless a well-performed internal or external audit can advance your organization, too.Audits: tackle concerns proactively

HR audits elevate critical concerns. They identify gaps in between policy aims and procedures, allowing you make changes to safeguard your business from future harm. Whether you carry out a extensive annual audit or tackle different topics each and every year (examining created policies, reviewing new hire compliance), EDM can aid to tackle worries swiftly, precisely, and costeffectively.

Ask yourself:

* Do our policies and techniques demand updating? * Are there any that are not adopted constantly? If so, why? What rules can we create to enforce observance? * Do present actions assist workers to comply? Are they person friendly, encouraging adoption? * Is our compliance coaching sufficient? * Are inner communications apparent, satisfactory, and frequent enough to help policy adoption and make sure staff execute tasks compliantly? * Are there unwritten methods, inconsistencies, or other probable liabilities that could pose legal dangers to our organization?

Audits can give even the most meticulous document keeper an anxiety assault. What if an I-nine or other crucial documentation is lacking, an individual discovers a questionable termination, or staff claim bonuses have been unfairly distributed? Will inadequate documentation set the firm at threat or mar its popularity? Result in a very good or a lawsuit? If so, how considerably will the damages be? What modifications can be produced to defend the organization from long term damage?

An successful audit uncovers techniques you can improve HR procedures and business in common. EDM provides you the required tools to expedite and guarantee improvements. It lets you:

* Provide consistent policies for managing info through the document lifecycle, governing how information is accessed and used, from capture via processing and archival. * Give auditors secure, genuine-time accessibility to scattered information so they can search, extract, and evaluate documentation and practices effectively and achieve the holistic insight they want. * Spot discrepancies speedily, rectify worries promptly, and lay the groundwork for enterprise-vast compliance.

Skillful at creating and increasing best practices, an audit is less complicated, much more effective, and less costly when data and paperwork are guarded below the watchful eye of EDM.Value proposition: EDM as the watchdog for efficient HR administration

If you currently use Lawson, Oracle, PeopleSoft, or other HR application along with automated accounting techniques, a disaster recovery program, and a lot more, you may query whether or not you want EDM. Yet the value proposition begins there: if you’re like most organizations, your information is scattered’and securing, gathering, and managing dispersed details is time consuming, inefficient, and pricey. EDM transforms details management, enabling centralized, electronic storage and retrieval of all policies, worker files, and supporting documentation. It allows you to control HR documents securely and properly throughout the whole employment lifecycle, from document generation via retention and disposition.

EDM doesn’t exchange important systems relatively, it establishes a framework for seamless, protected accessibility and efficient info administration.

Place your organization for effective compliance and audits EDM and its sibling in method management’automated workflow’prepare you for effective audits by ensuring your company policies constantly govern how your paperwork are accessed, employed, and managed. They assist you to:

one. Make certain sensitive documentation is protected.

How? EDM lets you:

* Specify which document sorts every consumer can view or use and management person rights via a central interface. Only documents end users are authorized to operate with seem on their screens, making sure compliance with HIPAA and other rules that govern data access. * Dictate how every man or woman can use every doc type, in accordance to person task roles. Delicate info is protected, viewable and actionable as your rules allow.

The consequence: Compelled observance of the company guidelines you place in place.

two. Guarantee your company guidelines are followed constantly.

How? EDM that incorporates an integrated workflow element should be in a position to:

* Ensure employee files are comprehensive, using checklist attributes to assess portfolio contents and immediately initiate communications to appropriate people(s) if added documentation is required. * Automate your policies for document and method handling so they are standardized and constant, guaranteeing your policies governing file use are observed. * Manage widespread exceptions regularly (these as rejected apps or claims) by creating separate workflows, every with its personal set of standardized policies. * Guarantee document portfolios are total prior to they are routed (or consist of the minimal essential number of paperwork), decreasing the require for re-routing and the likelihood of delays * Minimize the probability of missing mandated deadlines for filing, reporting, etc.

The outcome: More rapidly turnaround, consistent document managing, less errors.

three. React to transforming policies immediately.

How? EDM lets you:

* Amend employee authorization to entry, view, annotate, update, and delete documents with a mouse click. * Enforce observance of new policies quickly by merely updating technique configurations. * Prescribe guidelines and amend as necessary using digital kinds that offer drop-down menu choices, fixed formats (these as date formats and alpha-numeric entry with a set quantity of characters), making certain information collection meets your existing criteria. * Offer help containers and explanatory text when processes alter, supporting staff to adapt swiftly to new guidelines and react appropriately to modify.

The result: New guidelines are implemented and adapted quickly by simply changing your system’s document entry, routing, or processing policies, reducing the require for constant retraining and saving you time and cash.

4. Migrate documents to designated extended-phrase storage and purge files according to your retention policies.

How? EDM lets you:

* Create data-driven policies to instantly migrate documents for prolonged-phrase archival or purge them, depending on the policies to which they are subjected. * Make certain the correct version of paperwork is retained, and that document variations can be rolled back on need if the audit demands it. * Set principles to notify staff as documents are prepared to be purged or deleted, allowing approved individuals to verify the action is appropriate just before it occurs.

The end result: Documents essential for potential reference or possible litigation are obtainable with a mouse click. Automated retention scheduling ensures files that could put your organization at threat are destroyed promptly.

five. Provide a widespread framework for accessing documentation, thereby generating audits easier, quicker, and charge-effective.

How? EDM lets you:

* Integrate HR computer software, databases, legacy programs, payroll, A/P, line-of-enterprise software program and a lot more, centralizing and easing auditor accessibility while allowing administration control employee entry to sensitive information. * Enable immediate desktop sampling of sought after report classes. * Make information obtainable to auditors through a normal world wide web browser so examinations can be conducted remotely’yet securely. No far more repurposing of valuable office area for reviews. Staff function uninterrupted, remaining centered and productive. * Lets auditors e mail, export, and print documents as essential, conserving cash for the reviewer’ and you.

The consequence: More quickly, simpler, self-service auditing that’s nobtrusive and significantly less costly.

6. Offer a trail of all document entry, use, and transactional exercise.

How? EDM lets you:

* Retain a log of all actions’who, what was accessed or utilised, how it was utilised, when, and so on. * Track program administration alterations so compliance (as effectively as errors or non-compliance) can be proven. * Verify the most latest versions of paperwork have been archived, with the capability to roll again to prior versions if necessary.

The consequence: Less complicated evidence of compliance all supporting documentation is offered with a handful of mouse clicks. Alternatively of continual concerns about document variations and rule changes, audit trails supply comprehensive information auditors need.

Reduced costs, significantly less risk, greater outcomes

No one enjoys planning for audits, but a thorough assessment is nicely really worth the investment when if it’s price-productive and lets you make essential enhancements. By creating a robust, central infrastructure for your information techniques and putting the instruments in location to manage your details successfully, your audits will generate timely benefits, be problem cost-free, and allow you respond quickly to a changeable regulatory and operate environment.

Instead than drowning in burdensome preparations, function interruptions, and final studies, EDM will empower your auditors to entry what they require quickly and efficiently so you can make prompt and meaningful enhancements. In the stop, every person wins.database auditing

Retirement Planning Ideas and Assets

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Retirement arranging really should be at the forefront of objective setting pursuits. Sad to say, a lot of individuals spot organizing for their potential on the back again burner due to the fact they do not have the economic means to contribute to investment ideas. Today, millions of U.S. citizens can barely find the money for to feed their household, allow by yourself set aside funds for their golden years.

Ideally, retirement arranging would get started at birth. Envision how large your retirement fund could be if your parents contributed just a week commencing the day you had been born. The actuality is, folks effectively into their 40s and 50s are still unable to contribute a week; leaving them very unprepared when their operating days are more than.

One particular misconception of planning for retirement is that it is reserved for the wealthy. Everybody ought to commit to setting aside funds in a substantial interest cost savings account for the days when they are no lengthier capable to perform. Numerous opportunities exist to revenue from fiscal, actual estate, and enterprise investments. It really is amazing what can be performed by saving a measly a week.

Acquiring credible information is the essential to accomplishment. A lot of details can be obtained via the Net or by consulting with professional retirement planners.

A single of the most dependable retirement arranging assets is the American Association of Retired Persons. Their site provides complete action-by-step guides, along with downloadable financial worksheets and complimentary brochures.

Site visitors can find out about Simplified Worker Pension (SEP), Particular person Retirement Accounts (IRA), stocks, bonds, reduced-charge index investments, mutual funds, actual estate investment trusts (REIT) and extra wealth-constructing equipment.

The United States Social Security Administration provides an abundance of financial equipment and retirement organizing instruments by means of their site at SocialSecurity.gov. SSA worksheets support individuals decide the volume of social safety positive aspects they will be entitled to at retirement.

The U.S. Financial Literacy and Training Committee founded MyMoney.gov to offer funds management instruments to U.S. citizens. MyMoney.gov delivers substantial monetary info, a complimentary toolkit which contains a Customer Action handbook, and a selection of personalized finance assets.

A lot of employers supply complimentary consultations through human sources department. Some employers put into action fiscal planning schooling workshops carried out by professionals.

Most banks and credit unions provide complimentary consultations to their customers. Stop by your regional financial institution to select up retirement organizing brochures or arrange a meeting with the branch manager. Most monetary institutions provide on-line fiscal organizing equipment at no cost.

Lastly, investment firms are an exceptional resource for trustworthy retirement arranging suggestions. Expert investors can offer guidance in developing varied fiscal portfolios to guarantee you receive brief- and prolonged-term ambitions.

Now is the time to become educated about opportunities which let your funds to function for you so you can sit back and unwind when it is time to retire. By planning ahead you can rest at evening understanding you are prepared. retirement advice

Tips for investing and online resources for staying safe and making smart decisions

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online investment is to provide a relatively new way for people or to build investment portfolios. Members can open new accounts, the accounts of existing resources, and in trading activities 24 hours a day, 7 days a week in the comfort of home.

Online allows the novice investor with the tools to invest learn about the different types of investment products. Experienced investors find online investment a practical option to buy, trade or sell when the stock market may show variations.

The people should be familiar with the various types of investment products before making an investment decision, account online. Most major securities firms offer online investment tools to help customers identify the products best suited to their personal investment goals.

Products

joint investments include certificates of deposit (CDs), treasury bills, equities and options, pensions, life insurance, mutual funds, pensions, deferred taxes Some investment firms known offers the possibility to set up online accounts: Fidelity Investments, Edward Jones, Merrill Lynch and Charles Schwab. Any investment site offers a range of interactive tools, online seminars and Libraries section to help customers with their company and its services.

In addition to offering online tools, many investment companies also have physical locations where customers can meet with brokers to discuss their goals and develop investment plans and short term. Most brokers offer free advice for investment prospects. Consultations may take over the phone, in person or via instant messaging systems.

Investors should take the time to research each company and products. Should take into account the expected rate of return, costs related to investing activities online, the potential risks associated with individual products. And tax consequences

beginner and experienced investors will find internships in line to be intimidating. They are often concerned about security issues, identity theft and financial problems that may result from exposure to personal information. Suffice it to say that nothing is safe from hackers, but the investment companies make great efforts to protect their clients’ financial portfolios.

A reliable source for learning about the security features and product placement InvestingOnline.org. The website contains a simulation tool of investment, the visitors to buy, sell and trade stocks for virtual learning how the process works allowed. Visitors can also test their skill level of online investments and review articles that discuss how to avoid to determine cheated, and tips to keep all information security.

Each has its own unique approach

investment. Some people prefer to invest in a product. Others, such as different products with the benefits that they take over from her first investment. While other investors to use two or more brokerage firms to buy more products. The choice depends entirely on you and what you feel comfortable.

Online Investments has opened a new world of possibilities and leveled the field so that everyone can benefit from different types of investment products. Investors who take the time to learn about the process and know which products pay the highest rates of return can be a solid investment portfolio, which help them to be achieving their goals.


Social Investment

What resources will provide us with honest Debt Consolidation of our Credit Cards?

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Question : What resources will provide us with honest Debt Consolidation of our Credit Cards?
I’m looking for companies or Non-Profits that will help, not hinder in this process. I would prefer to pay the debt off in 4 years, however, the problem is we might need the Credit Card in case of an emergency. NOTE- Some services require that you cancel the card once paid off and/or suspend the credit while paying this debt off.
non profit credit card consolidation

Best answer:

Answer by dinky eagle
it’s a crapshoot, but, there are ways you can protect yourself, check out the below site:

http://www.ftc.gov/bcp/conline/pubs/credit/debt.shtm

read, read, read.

Good luck.

The best forex trading online resources you know for a beginner?

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Question : The best forex trading online resources you know for a beginner?
Which are the best forex trading online resources you know for a beginner?
online forex

Best answer:

Answer by Chuck Norris
fxcm

Bad Credit Lenders- Resources on how to beat the economic c

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debt consolidation lenders


www.nocreditcrunch.net- Bad credit lenders, bad debt consolidation, debt programs, credit score repair, credit cards balance transfer, credit cards secured. Information on how to be successfully debt free.

Career in financial planning or Human resources??

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Question : Career in financial planning or Human resources??
Hi. Im currently doing a business course at uni and of all the majors on offer iv chosen to do either HR or financial planning. I’d just like to know which field would be better in terms of pay, job availabilities or just any facts of interest.
I herd HR these days are more outsourced which is apparently bad but i dont see why? Wouldnt you just apply for a job at the organisation doing the outsourcing?

cheers
financial planning course

Best answer:

Answer by Jackie W
You are correct that you could work for a company that provides HR outsourcing, but I think the types of jobs you may have access to would be limited. I am familiar with companies that outsource hiring, so all applicants are screened by the outsourcing company and the final 3 or 4 candidates are sent to be interviewed. Many people would find interviewing people day-after day to be boring after a while.

I worked in finance for a number of years before switching to project management and loved it. I never had a problem finding a job, my job was always changing and I worked with people across all levels of the organization. Some finance jobs are also outsourced now, but I think job prospects will always be good because there are some finance jobs that would be impractical for an organization to outsource.

For me the best thing about finance, was that even though I often managed large groups of people I rarely had to listen to anyone whine about their job. I think one of the most important parts of an HR job is that you have to have the ability to listen to people complain.

Good luck!

Webmaster Tools and Resources: 5 Easy Steps to Super seized profitable tools and resources for your online business

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dramatically increase your online revenue, one of the essential keys to good web tools and resources to run your online business.

I’m sure most of you already knew long ago, but the sad thing is many webmasters and site owners to this day still do not know exactly how to get good tools and resources to develop their online business.

Most have ended up wasting time and money by skipping a business (or service) to another until it is right that they can find on their long-term activity.

This is inefficient and uneconomic.

You need a solution to solve such a problem, so I’m here to show you how to make good web tools and resources for your online business, so you can follow to find and make more profit.

Note that before proceeding: You can use this solution in 5 steps, you will find a good meaning for you, but the thing is how many people use their common sense to do things effectively

?
Ok, so let’s go down and get faster if you follow what I share with you here, you’ll be five steps closer to reap more profits than ever. Guaranteed />

The first, see this first tool or resource that can be recommended by someone you trust as some well known gurus / experts or legitimate businesses.

Look, these people need their credibility and reputation to preserve, the more people flock to it for the future or services.

Tightening
If it’s something ugly to advise people to guess what will happen to its credibility and reputation?

Your credibility and reputation could completely overnight by such a stupid act, in turn swept. Okay?

But do not stop here and now, if you are fairly certain at this point until you move to the next step

. Money back guarantee or free trial

: Step 2
Yep, this stage of the examination, if the tool or resource, you should try with money back guarantee or a free trial for yourself first before getting on stage.

Usually when a company has great confidence in the quality of their products or services, would you free trial or reimbursement help you get out of the fence.

Of course, ultimately, it can be seen in its sole discretion, if you want to continue using the product / service or not.

This is a very good insurance against you losing money because you do not have to waste money on something you do not feel well with

. Step 3: Pre-sale Check

In this step, you should check on the customer service before signing up for the free trial version or go to pay to use the product / service. Is to see if the customer service is seriously support high quality or not.

If companies are poor in this area, do you think they will be on providing after-sales service, especially if you encounter any technical problems in well with their product / service?

serious business or service provider shall ensure their chances of ever using the best support they can convert their prospects into long term customers.

They will respond to your requests and answer your questions about what you know.

You can easily according to their response time and answers to your questions on a verdict on whether they treat you like dirt or stones to arrive.

If they treat you like a jewel, then naturally your next step is to test their products and services.

Otherwise, the next best jump. Is that />

: Step 4
Well, in this step, you may need to make an advance payment if the company’s tool or resource that you should not offer a free trial but money back guarantee.

Do not worry, even if you need to go ahead, because if you pay later, you do not like the product / service to find any reason, you can always get your money, as ways promised.

. Ensure full utilization of the free trial period or money-back guarantee to test, make the tool or resource

bottom Step 5: check after-sales

Here, this step is recommended that further analysis on customer service during the tests on the product / service, while you’re still a long way in securing a refund or free trial.

The reason for this is to check the consistency of their customer service.

Some companies are well ahead, but lousy at after sales support.

You want a company (or service) that you were with the support of first class from the moment their prospects for the time you have with their customers, right?

But here’s the question of what to check? Of course, you must use some questions about the tool or resource, and just shoot. Not only will this help you determine if their customer service is good or not, but you will also find answers to your questions.

If they are in that aspect, well, you can derive certain that this company (or service) of the tool or resource that you have a test that you make a transaction in the long term.

My last word:

If you use this solution in 5 steps, it can give you some time to use for sorting quality tools and resources for your online business. But nothing could be further from the fact that if you do not ask, you’ll have more time to try for a company that you keep looking for life as waste.

However, if you do not want to do at the time, then you can search for web sites (such iOneMoney.com) that is not all that hard work working for you to enjoy. All you have to do is choose and use only. Period.


Activity Report online

Strengthening resilience, the risk of developing depression: provides HeartMath (R) free resources on the basis of the Depression Awareness Month

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Current research is shedding new light on the biological connection between stress and depression. Despite the advances in the understanding of stress and depression, one in ten Americans still meet the criteria for depression and only half of people with depression can be treated in the polls by the Centers for Disease Control and the National Institute of Mental Health.

almost twenty years HeartMath ® (www.heartmath.com) has to believe studies on the physiology of stress and well-being and stress HeartMath experts believe that chronic stress is a likely cause for the increase is done suffering from depression. In view of the Depression Awareness Month, HeartMath offers resources for stress and depression that can work with the draft proposed medical treatment.

Depression has many causes, can cause as genetics, brain chemistry and life situations of stress. chronic stressors may increase the risk of developing depression when people do not deal well with stress. While many are stressed these days also relieve stress on the personal resources does not seem as good as not at work. HeartMath stress experts say that is because that the stress of today is different.

After nearly twenty years of research on the physiology of stress and well-being and stress increase observed every year, experts say HeartMath that most of us are resigned to stress as a means not unwanted, but unavoidable in life. Until recently, stress as a problem only after a major life crisis. But for many people, the stress of today is not only an event kind of stress that arises naturally from trauma. Today many people are confronted with several incidents of stress as well as illness, financial difficulties and in some cases and lost jobs at home.

turned to questions of stress and depression, HeartMath offers a downloadable free webinar on their website as “overcoming feelings of sadness and depression” (http://www.emwave.com/askdrrozman/index3.html).

webinar by Deborah Rozman, a behavioral psychologist with experience of over thirty years “and a recognized expert led to human emotions. It offers suggestions and methods to increase the resistance of more emotional feelings pending to improve sadness and depression.

If our elasticity factor is low, we lack the motivation and the ability to experience pleasure or reward. Experts agree that stress knowledge of where stress originates and how much it impacts is an important step in its transformation. HeartMath stress developed a comprehensive and accurate survey and welfare http://www.heartmath.com/about-us/trackers-survey.html. Stress and well-being Surveyor? ¢ is a free service to enjoy the people.

The workplace is a common Petri dish for the reproduction levels of chronic stress. HeartMath programs and measurable immediately form the stress reaction of the people to a healthier and more productive office proved. Their programs of social welfare has shown that on average, the customers of the organization saw a 60% reduction in depression and over 40% reduction in anxiety over a period of six to nine weeks before and after tests on more than 3,000 people.

Rozman is also the co-author, with HeartMath founder Doc Childre, the book “Transforming Depression. The HeartMath ® Solution to feel overwhelmed, sad, and stressed:” The book uses techniques developed scientifically HeartMath to help people, new resources of energy, positivity and tap new ways to interact with people. HeartMath research shows that these techniques can help individuals move from negative to positive emotions.

, millions of people a kind of mild depression because of constant fear and overwhelming sense, “said Rozman. “Depression a low level can not you can just leave these positive thinking and emotional thinking -. The accompanying biochemical and neurological imbalances – take the time to introduce it will take time to bring them back to equilibrium, but it was not Sun he felt. “

“It is the hope, tools and techniques presented in the book, Transforming Depression. Scientific research with a new understanding of how the emotional energy that you can turn depression.”


HeartMath stress experts believe

that progress in reducing the burden on the individual is known to play an active role in their emotional and self-assertion play an important part of the process to make. Self-pity and patience, they say, can we emerge from the depths of the hard times, especially if we want to move with the force that your heart is really forward to connect. HeartMath’s mission is to understand tools and a step-by-step how to find balance, hope and inner peace.

Transforming Depression: The HeartMath ® Solution to feel overwhelmed, sad, stressed and on amazon.com. For more information visit www.heartmath.com HeartMath.


HeartMath

news, events and free resources on their Facebook page (facebook.com / HeartMath) and their Twitter page and YouTube included.


About HeartMath ®

:

The HeartMath system of Doc Childre was created. HeartMath LLC, a leading performance, offers a range of unique services, products and technologies for health and well-being improve dramatically, while reducing stress. HeartMath clinical studies have provided the critical link between emotions, heart function and cognitive performance capabilities. HeartMath research has been published in numerous magazines such as American Journal of Cardiology, Stress Medicine, Preventive Cardiology and the Journal of the American College of Cardiology. Its customers, the organization of the Stanford Business School, Stanford Hospital, Mayo Clinic, Scripps Center for Integrative Medicine and Kaiser Permanente, as well as dozens of school systems and thousands of health professionals are among the world. HeartMath emWave technologies are part of the award-winning emWave Personal Stress Relief and emWave PC Stress Relief System. EmWave Personal Stress Relief recently has the latest gadget Permanent People’s Choice Award 2009 won at the International Consumer Electronics Show, and Caregiver magazine today Caregiver Friendly Award ®.


listed in the name of the company over

:

This press release was prepared by PR Web Resources (HR www.HRmarketer.com) distributed.
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Emergency credit card

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