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Contents: Top – 0–9 A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

From Wikinews, the free news source you can write.



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Retrieved from “https://en.wikinews.org/w/index.php?title=Category:Science_and_technology&oldid=4551729”
  • 5 Oct, 2022
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Know The Reasons For Rejection Of Business Loan

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. Although it may seem difficult for owners to make use of these loans, particularly first-timers, this is not so.

Approval of business loan depends on different parameters, and if these are not met, a loan has a will be denied. The best way to deal with the rejection is to explore the factors behind it and build on them to obtain the business loan eligibility criteria for your next submission.

Reasons for your business loan application getting rejected

Low credit score

[youtube]http://www.youtube.com/watch?v=IjH_j7Sm2mA[/youtube]

A good credit score reflects the successful management of the budget and expenditures. If you have a low credit score, it shows your lack of financial prudence. You must check your score with reputed credit rating agencies before applying for a loan. One of the most common reasons for refusal on l business loans is due to the use of a high percentage of credit amount.

Insufficient cash flow

Your cash flow analysis shows your ability to repay your loan after you have covered the operating costs. Insufficient cash flow influences lender trust to approve the loan. You can increase your cash flow by:

  • Reducing unnecessary costs
  • Holding correct invoice
  • Establish an Emergency Fund

Excess debt

If your company is in over-debt, prospective investors will be turned away. A lender’s primary concern is repayment. When a lender sees you having colossal debt, it is natural that he will be cautious. Maintaining low credit balances and paying off past debts would help solve this problem and can get a business loan quickly.

Weak business plan

Developing a detailed business plan would be wise. You will need to do an in-depth study of the market factors before submitting the documents required for business loans. It lets you get an objective and realistic analysis of the possibilities a scenario provides to your company.

Lack of collateral

Investors are looking for concrete evidence to support their investments. When you apply for a loan, you must have a clear understanding of your inventory of assets which you can use as collateral. If you are unable to provide tangible assets, you may need to mortgage your assets to get the business loan you need.

Purpose of the loan

You should be aware of why you need to apply for business loan. Do you need it to purchase new equipment or for research or to develop a new product or is it for renovating your office? If you are uncertain about your loan’s intent, lenders are less likely to approve your application.

  • 5 Oct, 2022
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  • Finance Specialists

Ontario Votes 2007: Interview with Family Coalition Party candidate Kristen Monster, Willowdale

Wednesday, October 3, 2007

Kristen Monster is running for the Family Coalition Party in the Ontario provincial election, in the Willowdale riding. Wikinews’ Nick Moreau interviewed her regarding her values, her experience, and her campaign.

Stay tuned for further interviews; every candidate from every party is eligible, and will be contacted. Expect interviews from Liberals, Progressive Conservatives, New Democratic Party members, Ontario Greens, as well as members from the Family Coalition, Freedom, Communist, Libertarian, and Confederation of Regions parties, as well as independents.

Retrieved from “https://en.wikinews.org/w/index.php?title=Ontario_Votes_2007:_Interview_with_Family_Coalition_Party_candidate_Kristen_Monster,_Willowdale&oldid=703926”
  • 2 Oct, 2022
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Sprint Nextel customer service rep. harasses client; Sprint cancels his account

Sunday, July 22, 2007

Virginia – Joshua Brady, a former Sprint Nextel customer, has had his cellular phone account shut off, but not because he wasn’t paying the phone bill, or even because he was late on payments, but because a customer service representative who assisted him, began to call him outside of her job, and make death threats to him in September of 2006. She was never fired for her actions, Brady says.

Brady has agreed to be interviewed by Wikinews to tell his story. All information and claims have been logged with Brady’s attorney and federal authorities.

The representative from Sprint Nextel, who for safety reasons is only being identified as Jessica, was working at the company’s call center in Ontario, Canada where Brady’s call to customer service was directed. According to Brady, Jessica then began to call him outside of her job duties at the call center after their first contact.

Brady called the center around 6:00 p.m. (eastern time) on a Saturday and attempted to receive help on a billing question and to find a way to stop prank calls. Brady requested a “soc code”, a code placed into the phone, that would allow for the number that was pranking him to be blocked. Unfortunately, Jessica did not know what that was, but tried unsuccessfully to find it. According to Brady, the only thing she could find was “the ANI feature call centers have.”

Brady then described to Jessica the billing issue he was having. He was being charged “for text messages I was not making”, even though he had unlimited text messaging with his billing plan. Meanwhile, Jessica called for a supervisor to help locate the code. As this customer service request over the phone was taking quite a bit of time, the two of them then started to discuss what two people would normally discuss if just chatting; sports, the weather, movies and music and if Virginia was a nice place to go on vacation. The supervisor then came by Jessica’s station with no luck on finding a code.

Later that night, around 10:30 p.m., Brady received a call. He answered it and much to his surprise, it was Jessica. He answered the phone with the usual “hello” and the voice on the other end answered with “hello Josh.” Brady was “surprised” that she had not said “hello Mr. Brady.”

“I then asked who it was, and she said Jessica. She told me about her day, and hoped that I did not mind her calling.” Then according to Brady, she started to describe how much she hated working in a call center, and how the job “pays the bills”, and asked if she could “come visit me sometime”. Brady said that he “immediately started to record” the call. Brady also stated that Jessica was not aware she was being recorded, and that further conversations were recorded without her knowing.

The call lasted about 15 minutes, but Brady said she “spoke so fast and moved along through things” that he “didn’t have a chance to talk if I wanted to. It [the call] ended with me interrupting her and telling her I had to go to dinner with a friend.”

Brady immediately called customer care back and reported Jessica’s actions to a supervisor (Jason), and the Floor Manager (Also named Jessica) at the Coos Bay call center, which is where his call happened to be directed. The advice he received was to “play along” and continue to report her actions until they could locate someone “better equipped” to handle the situation.

Jessica then began to call “about every other day or so” which turned out to be almost 30 calls, according to Brady who reported each call she made to Sprint Nextel.

Sprint Nextel then told Jessica to cease and desist all contact with Brady, but that didn’t stop Jessica from contacting him. She somehow found out the screen-name of his AOL Instant Messenger account, and left messages threatening to kill him. Brady logged the messages and faxed them to Sprint, who about a week later sent Brady a letter, saying that his accounts have been terminated.

“The purpose of this letter is to inform our that our office has received a complaint regarding your recent questionable interactions with our customer care group. Recent interactions with our company have prompted us to formally contact you. Sprint Nextel terms and conditions state that “termination of services. consistent with this agreement…”, said the letter from Sprint Nextel.

Brady states that Jessica is still employed with Sprint Nextel, despite the fact that all instant messages left by Jessica were forwarded to Sprint Nextel.

As recently as July 10, 2007, as many as 1,000 accounts were terminated by Sprint Nextel because customers were complaining too much and asking too many questions about billing.

“While we have worked to resolve your issues and questions to the best of our ability, the number of inquiries you have made to us during this time had led us to determine that we are unable to meet your current wireless needs,” said one letter to a sprint customer as recent as June 29, 2007. The letter states that the service will be terminated just one day after the letter was written despite saying they “understand switching to a new carrier causes an inconvenience.”

Two weeks ago, Sprint addressed the media about the mass-cancellations. “These accounts have been researched very carefully,” Sprint spokeswoman Roni Singleton said. “We feel strongly that the decisions we made, we stand by them. These decisions weren’t made lightly.”

“If the average person is calling less than once per month and these people are calling 40 or 50 times more, that takes away from customer service,” Singleton said. “Our priority is to improve the customer experience.”

Wikinews sent e-mails to Sprint Nextel on July 20 regarding the Brady incident; to date no response has been received.

Update: On July 23, 2007, Wikinews received an email response from a Sprint representative, going to some length to explain the termination of the customers who were calling up to hundreds of times a month. No information was given on the Brady case covered in this article; “customer privacy considerations” were cited as the reason and “no comment” was Sprint’s reply.

Retrieved from “https://en.wikinews.org/w/index.php?title=Sprint_Nextel_customer_service_rep._harasses_client;_Sprint_cancels_his_account&oldid=3970642”
  • 30 Sep, 2022
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Category:May 24, 2010

? May 23, 2010
May 25, 2010 ?
May 24

Pages in category “May 24, 2010”

Retrieved from “https://en.wikinews.org/w/index.php?title=Category:May_24,_2010&oldid=1114848”
  • 30 Sep, 2022
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Reasons For Insomnia

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By John Callahan

Insomnia is a symptom which can disturb your several sleep, medical and psychology, characterized by persistent difficulty in falling asleep. Insomnia is followed by functional impairment while awake. Insomnia can be categorized into three cases. The first being when the person will not be able to get sleep at all. The second being that the person might be able to sleep but will wake up in the middle of the night and will not be able to sleep again.

In the third case the person will fall asleep but after waking up he/she will still feel tired. There are many different reasons for insomnia. Some of them are:

[youtube]http://www.youtube.com/watch?v=deTgkwJFNHA[/youtube]

Stress is one of the biggest causes of insomnia. Pressure due to work, family, or career makes you stressed. If you are suffering with an uncontrollable stress then start doing yoga. Try to also consult a doctor and get medical treatment. Unhealthy diet disorders are also the main reasons for insomnia. It is very important to eat a healthy diet to maintain a healthy diet cycle.

The pain associated from an injury also causes insomnia. It is difficult to sleep when you are in pain. So you should consult a doctor and get medication to put you to sleep. Knee and back pains are also reasons for insomnia in older people. It is very hard to believe that some of the medications and drugs also cause insomnia. Some drugs can cause a change in your hormonal structure of your body, and causes severe insomnia. Basically our body clock is adjusted to sleep and wake up at a certain time. Irregular work shifts disturbs our body clock and causes insomnia. Travelling across different time zones may also causes insomnia.

As for women they suffer from insomnia due to menstrual period and menopause stage when there is a change in hormonal secretion. It is also difficult to sleep when the food is not digested properly or can not be digested. Thus eat light and less spicy food. Have your food at least two hours before sleep so that your stomach gets enough time to digest the food properly. Avoid taking large quantity of food or late night snacks before sleeping.

Sometimes the types of bed on which we sleep also causes discomfort to our body and prevent us from having a good sleep. Try to keep your bedroom free from noise and sound disturbance. Listening pleasant music will always help you to fall asleep. The reasons for insomnia may vary form person to person. The above reasons may not be exhaustive they cover ninety percent of the issues. In most cases insomnia is a temporary problem. Taking good guidance, care, medications, regular medical check ups will help you to prevent it. Thus if you are suffering from insomnia then do not take it lightly as it can also affect your brain and nervous system. So start taking precautions right now to be away from further serious problems, as prevention is better than cure.

About the Author: Are you ready to discover the best ways to

Reasons for Insomnia

? Visit http://insomniaremedyblog.com today for more information!

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  • 29 Sep, 2022
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China overtakes Germany as world’s biggest exporter

Sunday, January 10, 2010

Chinese officials have said that their country’s exports surged last December to edge out Germany as the world’s biggest exporter.

The official Xinhua news agency reported today that figures from the General Administration for Customs showed that exports jumped 17.7% in December from a year earlier. Over the whole of 2009 total Chinese exports reached US$1.2 trillion, above Germany’s forecast $1.17 trillion.

Huang Guohua, a statistics official with the customs administration, said the December exports rebound was an important turning point for China’s export sector. He commented that the jump was an indication that exporters have emerged from their downslide.

“We can say that China’s export enterprises have completely emerged from their all-time low in exports,” he said.

However, although China overtook Germany in exports, China’s total foreign trade — both exports and imports — fell 13.9% last year.

Retrieved from “https://en.wikinews.org/w/index.php?title=China_overtakes_Germany_as_world%27s_biggest_exporter&oldid=3255271”
  • 27 Sep, 2022
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Canada’s Beaches—East York (Ward 32) city council candidates speak

This exclusive interview features first-hand journalism by a Wikinews reporter. See the collaboration page for more details.

Friday, November 3, 2006

On November 13, Torontonians will be heading to the polls to vote for their ward’s councillor and for mayor. Among Toronto’s ridings is Beaches—East York (Ward 32). Four candidates responded to Wikinews’ requests for an interview. This ward’s candidates include Donna Braniff, Alan Burke, Sandra Bussin (incumbent), William Gallos, John Greer, John Lewis, Erica Maier, Luca Mele, and Matt Williams.

For more information on the election, read Toronto municipal election, 2006.

Contents

  • 1 Sandra Bussin (incumbent)
  • 2 William Gallos
  • 3 Erica Maier
  • 4 Luca Mele
Retrieved from “https://en.wikinews.org/w/index.php?title=Canada%27s_Beaches—East_York_(Ward_32)_city_council_candidates_speak&oldid=2584822”
  • 27 Sep, 2022
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G7 says “all available tools” will be used to solve crisis

Saturday, October 11, 2008

In the midst of the intensifying global financial crisis, finance ministers and central bankers of the G7 nations – Canada, France, Germany, Italy, Japan, the United States, and the United Kingdom – met in Washington, D.C. and released a joint statement.

With failures of large financial institutions in the United States, the crisis rapidly evolved into a global crisis resulting in bank failures in Europe and the Americas, and sharp reductions in the value of stocks and commodities worldwide. The crisis further lead to a liquidity problem and the de-leveraging of world assets, which further accelerated the problem. The crisis has roots in the subprime mortgage crisis and is an acute phase of the financial crisis of 2007–2008.

After the meeting, a joint statement was released with a commitment to “stabilize financial markets and restore the flow of credit.” The statement outlined five steps to achieve these goals:

  1. Take decisive action and use all available tools to support systemically important financial institutions and prevent their failure.
  2. Take all necessary steps to unfreeze credit and money markets and ensure that banks and other financial institutions have broad access to liquidity and funding.
  3. Ensure that our banks and other major financial intermediaries, as needed, can raise capital from public as well as private sources, in sufficient amounts to re-establish confidence and permit them to continue lending to households and businesses.
  4. Ensure that our respective national deposit insurance and guarantee programs are robust and consistent so that our retail depositors will continue to have confidence in the safety of their deposits.
  5. Take action, where appropriate, to restart the secondary markets for mortgages and other securitized assets. Accurate valuation and transparent disclosure of assets and consistent implementation of high quality accounting standards are necessary.
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“Central banks from around the world have acted together to provide additional liquidity for financial institutions, taking the necessary steps to support the global economy,” said US Secretary of the Treasury Henry Paulson in a statement after the meeting.

“We have taken a lot of actions,” said European Central Bank President Jean-Claude Trichet. “My experience of markets is that it always takes a little time to capture the elements [of the decisions taken].”

The Governor of the Bank of England Mervyn King said: “Central banks will work together as we demonstrated this week, to ensure sufficient short term liquidity is provided to stabilise banking systems. But it is also vital that governments work together to ensure their banking systems are recapitalised to enable them to lend to finance spending in the real economy.”

Retrieved from “https://en.wikinews.org/w/index.php?title=G7_says_%22all_available_tools%22_will_be_used_to_solve_crisis&oldid=4656843”
  • 25 Sep, 2022
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A Guide To Get Suitable Storage Containers

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Submitted by: Adrianna Notton

Storage is something that many people and companies spend their money into especially if they have products that become easily perishable. For distributors, hotel caterers, medical institutions and other businesses investing in storage containers is the best way to prevent their products form getting bad. Though some premises are built for storage purposes under certain temperatures, this can prove to be an expensive option.

It is also important to note that due to increasing popularity of the containers, they can be hired from any company or store without you having to buy. However, a company would prefer this practice only when there is frequent leasing from interested customers. Nevertheless, before venturing into purchase of this convenient item you should consider some of the following factors.

The first factor you need to consider before buying is the material used in making the container. If it is made of steel, it should have corrugated walls, roof and doors properly sealed to make it resistant against rain and wind. In addition, if made of wood and fiberglass it should have thick floors made of plywood and should be able to stand firmly on smooth and rough surfaces.

[youtube]http://www.youtube.com/watch?v=oxXtKYBTbIk[/youtube]

A good storage container should be equipped with insulation materials to preserve the items stored in them from being damaged. Moreover, heating, air and ventilation condition should be put in place to regulate the temperature inside the container. Also depending on the purpose of the container, it can be fitted with alarm systems that will give a warning if there is intrusion or a mishap. An example can be in medical laboratories where human organs are preserved for operation procedures.

Another thing you need to consider is the design of the container since different storage containers serve different purposes. For instance, you can decide to choose one that provides easy access to the stored items or one that has additional doors or locks. In this case, you can base your judgment on one that will deliver the best results.

Delivery is also an important thing for one who is buying. He or she should ask himself or herself if the supplier offers delivery services and if they do, is it an additional cost or is it included in the normal charges. Remember delivery is important if your container is to reach home safely. Damages will not only inconvenience you but will also cost you more.

Cost of the item should also be a priority when doing the purchase. Consider if it fits your budget and in cases where you want to rent or lease review if this would be a better option in the end. Inquire if you are required to pay upfront or whether there is a contract to be signed in case you lease. However, any decision made should be based on the safety of your products.

In conclusion remember that converting a whole building or room for storage purposes is not only expensive but is also unnecessary. That is why you need to preserve your products by getting the right storage containers for your business or premises. This is the best option for you because it is affordable and gives you a wide range of choices.

About the Author: Our company provides

Storage containers

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  • 25 Sep, 2022
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  • Office Furniture

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