When you need money quickly, it can be frustrating receiving declined decisions. You may start having the feeling lenders don’t want to help you, however, there could be some simple reasons why this is happening. Rather than left wondering why, here are 5 common reasons you are being rejected for a loan you can check today.
- Applying for the Wrong Type of Loan
It can be easy to apply for the first loan you see, however, due to different eligibility requirements and types of loans, not all will meet your needs. If you are someone with existing debt, for example, this may reduce the number of lenders who can help. You may want to consider debt consolidation loans UK lenders if you are looking to settle your debts and have one creditor instead. This is a more specific need for those wanting a simpler way to improve their financial outlook. This is very different to a payday loan, for example, or other short term options that will only allow smaller amounts and shorter repayment terms. Apply for the type of loan that matches what you need, rather than randomly choosing a lender.
- Multiple Applications Too Quickly
The temptation when you have been declined is to keep applying for other loans until one says yes. However, this will only make your situation more difficult and even increase the number of declines you receive. This is because your application history will appear on your credit file, so when you apply for a loan, the lender will be able to see this information. This will influence their own lending decision and it may appear you are desperate for money with many failed applications. It is best to give some time between applications where possible.
- Not Having the Affordability
Quite simply, if a lender cannot see you can afford the loan, they will decline your application. This is true whether you have a good or bad credit history. Lenders ideally want to approve those who present the least amount of risk, so that they can minimise any arrears or defaults from happening. If you apply for a loan without knowing how much you can afford, you are running the risk of being declined straight away. Spend some time working out your affordability by comparing your income and expenditure and then you can apply with confidence. You may discover you have very little disposable income, so review and cut back on non-essential spend where possible and improve your chances.
- Low Credit Rating
A low credit rating can be one of the main reasons for a declined application. Some lenders may use automated lending processes, meaning they will filter those with low credit scores. The more you apply for loans, the more this can affect your credit rating, especially if receiving multiple rejections. To avoid harming your credit rating further, identify lenders that can help those with bad credit first. This type of lender will focus more on your affordability than your credit history, improving your chances of approval.
- Incorrect Information on your Credit Report
One reason that is less obvious than others is potential errors on your credit file. When a lender accesses this to provide a lending decision, if they can’t find all the information they need, this can influence a declined decision. This is where periodically checking your credit report can help you and identify any potential issues. Something as simple as an incorrect address history can have a big influence, and you may also discover information that could be out of date, such as a credit account you’ve settled still appearing. Contact one of the credit reference agencies and access your report to double-check.
Can Social Media Posts Impact Immigration?
There have been many speculations as to why some applicants are denied visas when all their documents are intact. Or why they are turned back by immigration at the point of entry even though these travelers have a visa in their possession. There have been no absolute answers to these concerns.
But, one constant that cannot be overlooked is that a discovery was made about these applicants that disqualified them. Some analysts and immigration attorneys located in Louisiana associated this event with the social media content of the applicants’ profiles.
However, since there was no proof that this was the reason for those denials, that argument fizzled out. Can immigrants’ posts on social media affect their immigration process? Let’s find out.
Does what you post on social media matter?
The discourse on whether social media posts can impact immigration has gained renewed momentum since 2019. This is after the US Department of State (DOS) announced in May 2019 that visa applicants are now required to provide their social media account names for review.
This news threw a new spanner in the works of individuals with immigrant status seeking citizenship and created more folders for new applicants to sort through before going to embassies.
As you open yourself up for scrutiny by the relevant authorities when you make applications, you will learn here a few things you must know about your social media use.
The reach and limits of the DHS and relevant agencies
The US Department of Homeland Security (DHS) is one of the agencies that are involved in the monitoring and/or review of your social media accounts as a visa applicant, naturalized citizen, or immigrant. They scrutinize your account for content that could be a potential threat to national security.
This department, in association with the US Consular, also screens for languages or relationships with individuals that pose a security threat to the country. If certain immigrants like asylum seekers, for instance, seek certain benefits but their social media content does not reflect this reality or danger, they can be denied a visa.
The DHS collates information gathered from social media accounts and stores them in files called A-files. The limitation to the powers of the DHS is that they cannot request passwords or any authentication code that will give them operational access to your social media accounts.
What will you be required to disclose?
The disclosure of details of one’s private accounts used to be limited to immigrants arriving or applying from countries tagged “high-security risk countries.” But reviewed policies and immigration reforms have now subjected every foreigner to the same scrutiny.
As a visa applicant, you will be required to disclose the following:
- The email addresses and phone numbers used within the last five years.
- The social media platforms used within the same time frame as above.
- A list of the names or aliases on these social media accounts
What aspects of your social media use can be under scrutiny?
Instagram is a bubbly platform for those vacation pictures or some of your business posts. It can also be a good platform to also keep up with your family and friends. Twitter may also be an excellent pedestal to launch and champion the activism campaign you are involved in.
But some of this content can disqualify you from certain visas and benefits if you are found wanting after social media account validation by the DHS. It can, for example, incriminate people who are trying to commit marriage fraud for a green card but have posts that are inconsistent with their marriage claims.
To prevent such unfortunate occurrence, you can take steps to check the following kinds of content or affiliations on your social media accounts:
- Offensive posts and comments
These are the obvious contents to avoid. If your posts can be perceived to be discriminatory against a particular group of people, you can be denied a visa.
Likewise, posts that instigate violent acts and hate or incite people to attack others, no matter how cloaked in the garment of opinion they are, can disqualify you.
- Comedic content
Comedy can be satirical or it can simply mirror everyday life events. The assumption of ignorance or humor will not suffice if you post comedy skits on your socials that can be linked to support heavy subject matters such as rape, gang action, or even terrorism.
This can negatively impact the success of your immigration application. Your jokes should not touch on sensitive matters especially if they are to be posted on your social media accounts.
- Comments from friends
As far-fetched as this might seem, the comments made by your friends and connections on your social media platforms can influence the decision on your application.
While you may not have control over what others decide to post on your profile, you should consider restricting what appears on it after they have been posted.
- Past history
The internet never forgets. It doesn’t matter if a post was made ten years ago. If it is incriminating and suggests a history of drug abuse or criminal activity, it can be grounds enough to deny your immigration benefits or deny your visa application success.
How can you protect yourself?
It is a generally held consensus that setting your social media posts private can buffer you against the possible consequences of having questionable content on your social media. Since there is no request for passwords, your posts set to private cannot be accessed by agencies such as DHS.
These agencies also do not use spy technology to pry into or view the posts of the applicants. You can also delete all doubtful content or information on your social media posts.
Making edits is not acceptable on platforms such as Facebook since your edit history can easily be viewed. Above all, do not share content that will call your eligibility into question.
There is an increasing global interest in immigration reforms and laws. Consequently, immigration officers, embassies, and security agencies have tightened their reins on requirements that foreigners must fulfill to gain entry into their country.
To err on the side of caution, it is pertinent that all conditions that might disqualify you be avoided at all costs
Tips to get the best real estate drone photography
In this digital era, photography is a crucial part of the real estate sales process. You need quality images to show off the house and entice buyers. But many realtors have trouble photographing their properties due to their large size or home location. This is where drones and quadcopters come into play. According to the multiple listing service (MLS), houses and other properties with Real Estate Drone Photography photos have a 68% better probability of selling than those without.
Real Estate Photographer is a tough job. It’s not just about taking pictures. Realtors must be masters of marketing, and mastering drone photography is one of the best ways to do that. If you want to know tips to do excellent drone photography in real estate, this blog will be able to help you as it will provide you with some valuable tips do drone photography in real estate.
Top 5 tips for getting the best real estate photograph
Aerial drone photography is the latest and greatest way for real estate agents to showcase a property. The pictures are beautiful, but the process of capturing them can be overwhelming. The good news is that you can capture stunning aerial images without breaking the bank. Below are some tips to get the best Drone Photography Real Estate:
1. Take benefit of natural light.
Indeed, there are several artificial lights available on the market, but nothing can replace the orangish light of the sun. However, it will give a natural look to the whole photo. Take advantage of the timing if you are shooting at midday because the sun will be at its lowest angle and maximize the shadow. If you think the harsh light at noon can affect your photo, you must use a neutral-density drone filter to reduce the amount of light entering the lens.
2. Set your drone
Drones, like traditional cameras, come with numerous features and settings to make your photography perfect. It would be best to set the drone before starting your photography to get the best result. You should change the camera aspect ratio to 3:2 to acquire the highest-definition images possible while using a drone to take real estate shots. It also works with 4:3. You can also use autofocus because it will relieve a lot of your stress and ensure that your pictures are clear. Shoot your pictures in RAW; although the file sizes are more extensive, you’ll have considerably more versatility when editing the pictures.
3. Keep your drone low
Indeed, drones are famous for taking pictures from the uppermost angle. But if you think you should take photos from the uppermost layer of the sky, you might be mistaken as the drone will only take pictures of the roof and garden of the property. It would be great to keep your drone closer to the house to capture every exterior aspect since real estate photography strives to present a comprehensive listing perspective. The height of the 20 to 25 feet of the drone will be quiet enough to take an excellent photo.
4. Consider traffic
No one wants to cover the distraction in the photo as it can destroy the overall view of real estate photography. Drone photography’s ability to capture a broader perspective is one of its appeals. You should consider the traffic patterns in the area, much as you sought to decrease the clutter on the property. You should consider what kind of activities, like vehicle traffic, pedestrian traffic, people waiting for the bus, or more, can affect your shot. Find out when there won’t be too many distractions from what you’re attempting to feature and try to avoid those times of day or week.
5.Take multiple shots
You might think that one perfect shot is enough for real estate photography, but you can be wrong because sometimes the results can differ. Several issues are evident in the field but unpleasant at high resolution. There might be a child running through the corner of a nearby yard which is gone a second later, or you might be slightly out of focus or have a motion blur from a burst of wind. Apart from that, there can be other reasons that can destroy your photo. So it would be best to take multiple shots. You must turn on the burst mode setting to ensure you capture multiple shots of every angle.
When you take the time to find the best Drone Photography Real Estate, you’ll capture stunning aerial photos that are impossible to get with a traditional camera. You’ll also find plenty of services that offer ways to track your shots. Although if you are searching Real Estate Photographer Near Me on Google, stop searching as Alex Drone Photography is the best option for you that can capture eye-catching photos using a drone of your property.
How to Market Your Cannabis Business
The topic of cannabis marketing is challenging. You’re likely to get different opinions on how to get it done. It can be challenging to figure out who is right, and sometimes more than one opinion is right at the same time. However, you don’t have to hire marketing staff, and you don’t have to spend much time analyzing strategies. There is a new cannabis marketing agency on the block. In North America, Kief Studio is the only Cannabis Master Certified agency with nearly 20 years of experience in branding, marketing, data, design, and development. A minority woman-owned business, Kief Studio (https://kief.studio), provides cannabis marketing, PR, branding, content creation, advertising, design, social media, and website development services.
Content Along With Geofencing and Geotargeting
They use content strategies to develop brands and companies and traditional advertising in Massachusetts, the current cannabis capital of the Northeast. In addition, they serve clients in the United States and Canada. As a result of geofencing and geotargeting techniques, they can combine education content with targeted advertising to create a high-converting campaign. By geofencing, ads can be delivered directly to consumers who have been inside competing dispensaries. As a result, the audience is above the reasonable threshold for complying with advertising regulations.
Huge Marketing Campaigns in Cannabis
Despite being founded in March 2022, the founders of Kief Studio have been marketing cannabis since 2016. Initially, they developed the cannabis brand marketing strategy for an edibles company in Beverly Hills, California. The edibles company owners discovered that their daughter’s rare brain condition could be successfully treated with cannabis therapy. As a result, the edibles company served as a means of providing care for the owner’s daughter. Kief Studio’s co-founder created a campaign that earned national news coverage, multiple TV appearances, and a prime feature in PopSugar. Over 2 million people viewed this campaign online.
Do Not Hire a Cannabis Marketing Agency Based on Pricing
Even though pricing can be influential in deciding which agency to hire, it shouldn’t be the only one. It would help if you did not have agencies competing for your business based on price. Inexperience can make you less money, while experience can cost more, but it can make you more money. Kief Studio focuses on creating value-driven content for its clients, from early ideas to project development.
The Cannabis Industry is Growing, But Companies are Falling Short
The cannabis industry is growing, but oddly enough, many companies are not staying in the green. Cannabis companies fail mainly due to poor exposure, poor customer relationships, and lack of proper marketing. In addition, for smaller to mid-sized companies, regulations cause problems that larger companies can easily absorb. Kief Studio aims to solve this problem. With a tiered pricing approach, smaller and mid-sized cannabis companies can get the exposure needed to succeed in the cannabis industry.
Here are some of the services Kief Studio offers, which is quite an impressive list.
If your company or product wants to succeed, it needs a clear purpose. There needs to be a clear and concise goal for your company or product, a voice, and an image. Creating a brand that represents your business is what Kief Studio does.
Cannabis Content Creation
Kief Studio creates all forms of digital media to keep your website and social media engaging and relevant. Websites and social media are essential for advertising, branding, and customer engagement. Customers are more likely to return to a business if they are top of mind. It is, however, very easy to lose viewers and followers if your website and social media are not up to date.
Cannabis Search Engine Optimization
You need excellent cannabis SEO services to make your outreach successful. Successful SEO has three essential components: on-page optimization, link building, and content marketing. Kief Studio will discuss these topics in more detail during a free consultation. In addition, you should consider investing in SEO services to improve your website’s ranking in search engine results.
Cannabis Dispensary Marketing
You can guide customers directly to your dispensary using online marketing, geofencing, and geotargeting. A geofence allows you to target people based on their location. Likewise, you can target people based on their location with Geotargeting. With these two tools, Kief Studio can help you increase foot traffic to your dispensary.
Cannabis Packaging Design
There are thousands of words in a first impression. Customers should be able to relate to your brand. The first impression of your brand must be unique and relatable. Customer-relatable brands are easy to remember and are relatable to the customer. Your company must make an excellent first impression on a customer. It can either make or break the relationship they have with you. Kief Studio will build a plan to maintain a great experience and design your cannabis packaging to resonate with your clients.
Cannabis Company Social Media Management
Businesses and individuals need social media platforms to connect with their customers. By engaging with social media, companies can create a loyal customer base. Likewise, Kief Studio builds relationships by engaging with its clients’ customers through the clients social media channels. Increased sales and customer loyalty can result from this relationship.
Cannabis Website Advertising Marketing Services
Because they do not have the resources to run effective ads on significant websites, many businesses avoid advertising on them. Using deep identifier technology, you can run compliant ads on major websites. In addition, Kief Studio can target ads to users based on this technology. As a result, you will be able to reach a broader audience and build a more loyal customer base.
Radio and Podcast Cannabis Marketing Services
Audio-based advertising can reach particular consumers more effectively than traditional advertising, such as television and the Internet. In addition, Kief Studio’s advertising on podcasts and radio allows for more personal interaction between the advertiser and the consumer.
Reach out to Kief Studio, an extremely Powerful Minority Woman-Owned Design Studio For Cannabis Marketing, at https://kief.studio/contact for a free consultation.
Best SUVs for Road Trips and Travelling
When you envision road trips and open roads on two-lane highways, warm autumn lights are the first things that pop into your mind. As autumn approaches, you might be planning the best autumn road trip to take with your friends or family. Obviously, the first thing to consider is a vehicle to match your road trip expectations, something that rides comfortably and smoothly while handling different terrains.
SUVs are excellent for city driving and running errands on a daily basis, but their added size, comfort, and convenience also make them ideal for long-distance trips. While many groups used to favor sedans, SUVs are now more prevalent. GAC MOTOR modern SUVs offer more than simply extra capacity. SUVs are now luxurious and comfortable for long-distance driving thanks to new driver-assist technology, infotainment systems, and cameras.
Here are 3 of the best SUVs to consider for road trips or when traveling the long unwinding roads
GAC Motor All New GS8
Straight from GAC Motor comes the All New GS8, a stunning spacious SUV that comfortably accommodates 7 people without compromising on boot space. The All New GS8 is a beauty both in performance and appeal. The All New GS8 features a continuous grille design that extends from the bonnet to the front fascia’s lower portion. There are a lot of smooth surfaces and few crests and curves on the side.
It can hold a maximum of 65 liters of fuel in its tank, whereby 12.5L is consumed for every 100 km. The All New GS8 runs on a powerful 2.0 GDI engine that generates a max torque (Nm/rpm) of 400 / 1750~4000 with an output (HP/rpm) of 248 / 5250. Its 4WD handles well, so you need not fear going offroad for some site seeing. If its performance does not sway you, then its comfort sure will.
The interior of the All New GS8 is digitalized, with a 14.6-inch touchscreen in the center that serves as the car’s primary control panel and a 7-inch instrument panel cluster on either side. Multiple gadgets can be wirelessly charged throughout the full under-area. This automobile features a leather interior stretching towards the dashboard and a beautifully completed interior.
This SUV is a great choice to offer you connectivity and joy on the road. It’s sure to give you a thrilling, comfortable, and safe journey experience as you travel.
GAC Motor GS3 POWER
Among the most compact, fashionable, and reasonably priced SUVs is the GAC GS3 POWER. Despite having a similar appearance to the GS4, the GS3 POWER’s streamlined design brief offers individual parts greater breathing room. The split shoulder and rising D-pillar wing are similar to the GS4; however, the rear shoulder is more prominent and stretches out across the body toward a chrome arrow which a side marker would normally be.
To create more space, the inside still closely resembles the GS4, albeit with simpler shapes. The center console takes up less of your legroom, and a smaller, sportier steering wheel is placed, matched by firm leather seats that are less widely spaced but still provide plenty of knee support.
It features a turbocharged GAC 3rd generation 270T engine. The flexible intermediate torque enables efficient overtaking on highways.
However, there are times when the engine gets caught off-boost. But the six-speed transmission’s clever stacking makes sure you’re never too far from the right gear. When it comes to driving dynamics, the GS3 POWER is more impressive. Compared to the GS4, it seems more balanced, sharp, and less likely to wipe out into understeer.
2021 Hyundai Palisade
The 2021 Hyundai Palisade achieves the difficult balancing act between affordability and luxury, providing a comfortable interior, a smooth ride, and a remarkably well-executed design that result in an excellent midsize SUV. The vehicle is made for individuals who desire to be unique and break everyday routines, thanks to its striking design. Palisade offers a constant stream of delightful surprises, from its cutting-edge intelligent safety systems to its class-leading spaciousness.
A 3.8-liter V-6 engine powers the Palisade. The engine’s 291 horsepower, when paired with an 8 automatic transmission, releases an extra kick. Paddles placed on the steering wheel can shift the Palisade’s transmission. The transmission automatically shifts smoothly, but there might be some shuffle. All Palisades has a strong gearbox cooler, trailer pre-wiring, and wobble control as standard features.
The SUVs on our ranking are not solely big seven-passenger family haulers. We considered various factors to create the best list possible, including gas mileage, comfort, features, space, and much more. Any SUVs mentioned above will serve all your traveling needs while allowing you to enjoy the experience without a hitch.
How Protech is Helping the Coworking Industry to Sustain?
Unlike traditional office spaces, the co-working industry allows people from different backgrounds, professions, companies, and projects to share a property for commercial or professional purposes. The concept of
coworking has been more openly embraced the idea by business organizations post-covid. Many businesses are now looking forcommercial space for offices as they want to create an advanced and holistic work environment for the employees.
Mr. Harsh Binani, the co-founder of Smartworks, India’s largest platform for managed and flexible office space has shared his views on collaboration between Proptech and Co-Working industry. Harsh Binani truly believes that Proptech is not only helping the coworking industry to sustain itself.Proptech is creating a powerful environment and ecosystem that is helping the commercial real estate sector to grow.
Indeed, Proptech is creating a positive difference in the overall development of the coworking industry. In simple words, Proptech means integrating technology with the property to minimize human efforts to maximize productivity. There’s been a significant incline in the overall demand for tech-enabledcommercial space for offices and business purposes since the decline of covid-19.
Elements which Strengthen that Proptech is Helping the Co-Working Industry to Sustain and Grow–
Proptech, also known as property technology, is all the tech tools and concepts that are installed and implemented at commercial properties to optimize the process for enhanced user experience. Harsh Binani also said that “Proptech is playing a very crucial role since the pandemic has begun because it has become vital for the companies to ensure employee safety in the workplace.” There are certain elements that create a base for a successful merger of the Proptech and Coworking industry. These elements can also be taken as benefits.
1. Building and Optimizing Office Spaces:
Proptech plays an important role in designing the overall layout and structure of the building. Building and optimizing the office space allows businesses to streamline the processes and manage the available office space adequately in order to reduce clutter and maximize the productivity of the workforce. It is true that without technological advancements, it is difficult for any sector to sustain and grow.
2. Asset Utilization:
Proptech is surely helping the coworking industry to advance and upgrade aggressively. In simple words, asset utilization means the actual use of the machines, tools, and other physical resources in a managed office space. This allows businesses to reduce the wastage of any resource. Asset utilization and control is one of the major aspects of the coworking industry to sustain and grow.
3. Property Management:
Integrating technology with assets and tools allows businesses to manage and control their property. Property management allows the security officials to prevent any mishappening that might affect the business and the workforce as well. According to Harsh Binani,property management is one of the crucial elements for companies to ensure the smooth running of operations.
4. Digital Engagement and Touchless Solutions:
Coworking is an advanced work environment concept where people from diverse cultures, companies, religions, and backgrounds share the office spaces including all the amenities. Introducing Proptech in the coworking sector has been a beneficial move. The modern generation is more friendly and engaged with technology and hence concepts like touchless solutions and digital engagement help companies to offer better user experience.
5. Visitor and Access Management System:
Visitor and access control management are the most imperative aspects for any business organization to sustain. Earlier it was not easy to track and monitor the movements of the employees as well as the visitors. Today, it has become easier than ever. The enterprise visitor management system allows security officials to grant or deny access to track the movement of the guests to prevent any suspicious activity within the office premises. Whereas, Access management system restricts the employees to access any area that comes under top management jurisdiction.
6. Eliminate Paperwork and Reduce Costs:
Earlier, the coworking space used to utilize a lot of paper and ink for access and activities to the workforce. Today with Proptech, it has become convenient for the management to reduce the paperwork to protect nature and save resources. Coworking space is a cost-effective method to minimize the cost because the cost of all the amenities is shared among the people.
7. Detailed Insights
Detailed insights or reports are very important for businesses to highlight the areas of improvement and implement new ways to outplay them. Many big enterprises use detailed insights tools to rectify mistakes and create better plans to succeed. Detailed insights allow the companies to be aware of certain factors like:
8. Data and Employee Security:
The security of your data as well as the employees are the major concerns for any business organization. Breach of any of these, the company may face serious backlash and rapid downfall. Enforcing Proptech in the coworking space allows businesses to protect their data and employees from any outsider. Concepts like the enterprisevisitor management system and access control system help the companies to trace any suspicious activity within the office space.
9. IoT Enabled Workspaces:
IoT has gained significant popularity in recent times in the corporate, education, and hospitality sectors. IoT stands for Internet of Things which works on integrating technology with office assets and resources like tabs, machines, and computing devices. In his recent interview, Harsh Binani also stated that continuous implementation of IoT will cause a major positive shift in the coworking industry.
Therefore, these are some of the elements that strengthen the statement “Proptech is helping coworking to sustain”. Proptech is transforming the workspaces to offer a whole new and holistic work environment to the workforce. Proptech also allows companies to integrate other productive concepts like hot desking and meeting room booking.
So, if you’re also looking for commercial space for offices, make sure that they are fully furnished and packed with tech equipmentbecause then you will have a higher chance of attracting the workforce.
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