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How to Edit Your Community Lending Application Package Online

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How to Edit Text for Your Community Lending Application Package with Adobe DC on Windows

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What advice can you give high school age homeschoolers about getting into good colleges?

As the number of homeschoolers has skyrocketed over the past two decades, so has the number of homeschooler acceptances at top universities. Homeschooling gives way to unique experiences that will make you stand out. However, unconventional transcripts can put homeschoolers at a disadvantage when it comes to proving legitimacy. Here are 4 basic things homeschoolers can do to improve their chance of acceptance at a great university.1. Do your research: Look for colleges whose websites clearly address homeschool students and suggest guidelines. These schools care enough about homeschoolers to offer guidance up front. A quick search will show you that schools as diverse as Yale, MIT, Penn State, and the University of California system all offer helpful advice. Having these guidelines will make your application process far easier. Information for homeschoolers not on the website? Call up a school’s admissions office to see if you can get some clarity there.2. Seek standard documentation: AP scores and SAT subject tests are a solid way of demonstrating your proficiency in traditional high school subject matter. You can also earn early college credit at most community colleges to prove that you can succeed in typical classroom settings. The reality is, you’ll need these traditional metrics to show you’re on par with other high school students.3. Develop references: If your parents have been your only teachers, you will have a tough time getting universities to take your teacher recs seriously. It is crucial to find other adult teachers and mentors who will lend credibility to your application. Take classes at nearby colleges, find mentors in the academic fields that interest you most, seek internships that will be a possible sources of objective, glowing recommendations.4. Killer applications. Your college application process will be more complex (and more interesting) than most. Allow enough time to prepare an application package that thoroughly captures your qualifications as well as your individuality.In short, homeschoolers have to be both conventional and unconventional. The good news is that your experiences probably already fit this comprehensive description.

What if Trump was elected in 2008, would his policies have had helped the US recover faster and better than Obama's policies?

“What if Trump was elected in 2008, would his policies have had helped the US recover faster and better than Obama’s policies?”The mood of the Republican party at the time of the Bush Crash was one of extreme austerity. Every Republican propaganda organ trumped austerity, and would brook no Keynesian intervention.In fact, a number of states underwent austerity regimes between 2009 and 2015, together with tax cuts and other incentives. Every state which embraced austerity took longer and recovered more slowly than those which did not. The best example is Kansas, of course, which executed severe tax cuts while cutting government and suspending regulation. Virtually the entire Trumpian program, encapsulated.In the end, Kansas NEARLY COLLAPSED after cutting welfare, transportation, health care and education. Even an austerity government could not raise enough tax revenue to offset costs and debt. It paralleled precisely the debt spiral that Greece found itself in. In 2017 the Republican Kansas legislature finally rebelled and raised corporate taxes to try to bring sanity back to the state.Now imagine a US economy headed by Trump in 2009, with 800,000 jobs per month being lost, a party hostile to the Fed and unwilling to spend anything to salvage the economy. If you’ll recall, Treasury Secretary Paulson came to Congress in late 2008 and begged them to create a $trillion-dollar fund to save the US - and world - financial structure, whose collapse was imminent.On inauguration day, 2009, the economy was in free-fall. The financial world was in full-fledged panic. Markets had already collapsed by half and would fall another half in the next two months. Most people who had relied on 401k’s were eviscerated; over the next year many of those targeted investment funds, components of the 401k world, would collapse and merge.Banks refused to lend money to other banks overnight. They could not be guaranteed the security of those funds, even through the Fed. Lending to business froze. Any business which relied on credit or forward sales of receivables to make month-end payroll faced immediate closure. That’s why layoffs were increasing, not decreasing.Counterparty risk was at the root of the financial failure: the hundreds of $trillions in derivatives all looked to someone backing them when they matured. The biggest of these was AIG. The potential for counterparty failure in 2009 dwarfed all the bad things that had happened so far - and threatened to throw the world so deeply into debt that it could never have emerged. We’re talking about many multiples of global GDP.Over the next three years, seemingly every corporation cut its dividends. Investors, retirees and pensioners dependent on those payouts were cut off at the knees.So here’s the thing. Let’s say Trump comes in and does his tax cut thing. So absurdly and totally ineffective that it’s just gas on the fire. I mean, even more absurdly ineffective than it is today. At the same time, he castrates government and with his new Republican congress goes full-bore into austerity mode. Hits the ‘consultant’ community hard, rolls back minimum wage on everyone else. The federal government lays off a million workers; state governments are forced to lay off millions more.[In fact, the austerity states did lay off hundreds of thousands, mostly education employees, in an effort to (a) stymie Obama’s success and (b) cripple government unions. They took a full point off national GDP in doing so, and eventually legislated successfully against union power. Which is holding down wages today, even under full employment.]The global financial panic intensifies. Business lending evaporates. Half the business in the country disappears; the other half teeters. The world follows suit. Due to losses, virtually no business owes or pays tax in 2009, 2010, or 2011. Or 2012. Or 2013. By the beginning of 2010, the government has no national income with which to offset the national debt, and enters its debt spiral. It tries to offset by issuing Treasuries, which eventually fail. The government cancels all payments for medical and senior and welfare aid. The over-65 population is immediately thrown out onto the street. Widespread hunger and sickness envelopes the bottom half of the population. Hospitals close everywhere. Senior, assisted living and nursing homes collapse. No city can afford to maintain a public hospital; private hospitals disappear, with the entire medical support network. Maternal and infant mortality rise to third-world levels, even higher than in Texas today.The world goes into complete financial and economic collapse within a year. Virtually anyone in the US who owes a mortgage, defaults. Banks collapse everywhere; most cities are deserts. Depository banks, no longer subject to the regulatory restrictions of Glass-Steagall, collapse en masse as their investment portfolio losses overwhelm their depository obligations. Deregulation is a fine thing, isn’t it?Obama, in contrast, nationalized GM’s employment and risk. (Over loud Republican opposition.) Then he nationalized AIG and its counterparty risk. (Over extreme Republican opposition.) Then he nationalized Fannie Mae and Freddie Mac and eliminated the counterparty risk on their mortgage portfolios (overcoming implacable Republican opposition and a chorus of NO’s). He worked TARP and stimulus programs through Congress, supported and rescued business wherever possible. He put money into taxpayer’s hands. Republicans hated, hated, hated that.Meanwhile, Bernanke began a program of rescuing banking systems around the world, exploding the Fed’s asset base and practically forcing banks to resume interbank lending. Even Europe, after years of unsuccessful austerity that was doomed to cost them the entire southern tier of nations, began to follow suit after the US rescued D-bank and numerous others.The two succeeded, by mid-March of 2009, in halting the bleeding due to financial panic. The markets turned around (after most portfolios had lost 75% of their value) and peaked quickly through 2011, recouping a big share of the loss.In 2008–12, Republicans were all about austerity, applauding European and Red State efforts to slough off the dead weight of bad business so that new shoots could appear. But they didn’t. Spain, Italy and Greece were being written off. Kansas was on the verge of debt implosion and Louisiana under Jindal wasn’t far behind. Even a decade after the Crash, few of the Red State austerity economies have come roaring back the way the Blue State economies did.So the likelihood is that, in the US, city centers would be plagued today by extreme hunger, sickness and poverty, with most of their taxable realty vacant (foreclosures began trailing off around 2014, lagging the employment crisis).The likelihood is that authoritarian states, like Russia, would be the most powerful reconstructed countries in the world, dictating to third-world countries like the US.So, yes, we still have that.[Edit: it is true that the GSE’s were placed into conservatorship in early Sept of 2008, placing $1 Billion in senior preferreds plus warrants for nearly 80% of the stock in Treasury hands - against a $5 Trillion liability. Whatever you may call it, Treasury effectively owned the GSE’s at that point. Virtually every GOP organ screamed in anger. Obama spent the next five years working to recapitalize the GSE’s and ensure that any subsequent liability was a private, not public, responsibility. I suspect Trump would have taken the opposite course, immediately selling the Treasury assets and letting the GSE’s float to whatever harbor, if any, would receive them.The Treasury release at the time whined that action was taken because “ambiguities in their Congressional charters created a perception of government backing” (Treasury Office of Public Affairs release, Sept 7, 2008).GSE mortgage securities were held in the asset vaults of banks all over the world. They were the basis for slice ’n’ dice derivatives written against them, and derivatives written against them, and so on. When the world discovered that the CDO’s and CMO’s they had in their vaults were NOT truly AAA-rated, a few hearts stopped beating. The potential liabilities were simply breathtaking.It was during that September that the word “Trillion” first became associated with dollar amounts, and liabilities, in common parlance.][Edit 2: The package passed in October of 2008 was Paulson’s desperation package. It gave him $700 billion to add to bank reserves. He was able to force those reserves into the banks in exchange for some of their deeply-soiled assets. The assumption was that it would be used for lending. However, nearly all of it sat as cash in bank vaults, never to be filtered out to businesses gasping for it. It was thought that $700B would be a huge stimulus - but it landed on the financial floor with a thud, and was scorned by the right as a “bailout”.Following the absorption of the principal market-makers into the nation’s top-tier banks, nothing really improved. The country was in the midst of the worst credit freeze it had seen in a century, a crisis which had begun in the middle of 2007. The stock market, which began its crash in September, collapsed with grim losses through the end of the year. Debt instruments were laughable as regulators were about to connect rating agencies and woodsheds. Auction-rate preferreds, which relied on monthly auctions, received no bids - and that market utterly disappeared along with the huge dollar financing it represented.In September, 2008, a money market fund - the Reserve Primary Fund - petrified the financial and consumer worlds. It “broke the buck”, with an NAV of only 97 cents. MMFs are the staple for parking loose change, the safest of the safe in short-term money. But they were no longer safe. In October, 2008, nothing was safe. Nothing. For instance, in April, 2008, oil had broken $120. Ten months later, WTI crude listed at $34. Strong people wept.In early 2009, Obama was able to obtain an $800B package that he did wield as stimulus, though its application stretched through his term.]

What are the differences between Blue Prism and UiPath?

Knowing a Basic Difference between Blue Prism & UiPath is essential…But with RPA “Anyone can be a developer”Hi,I have 4.3 years of work experience specifically in RPA and total experience of 10+ years.Blue Prism & UiPath both have Procs and Cons but you have to decide which is best depending on the below condition:-Opening within the organization: If you have a requirement within the organisation then you must go with the same RPA technology either UiPath or Blue PrismMore Job Opens: Check out the number of jobs on the job hunting website and understand the right fit for you. (like LinkedIn shows Uipath has more opening in my location)Take Away:You can always learn other RPA technology easilyIn my case, I learned UiPath and I got a call for Blue Prism (showed project in Blue prism as well). Then lending to a Blue Prism developer.Blue Prism Process StudioTake Away:Blue Prism or UiPath is almost similar and have a look of common features.key point:Blue Prism and UiPath each of them has Pros and Cons (having said they are similar)Blue Prism and UiPath offer trail version and community version respectively. (Each having some limitation)Both tools are designed on DotNet framework. Custom solutions may require strong .net skill exposure to Microsoft visual studioUiPath follows ReFrameWork while Blueprism follows ROM Architect.UiPath explorer is not as robust as Blue Prism application modeller but over the period of time you will find UiPath is easier to work due to direct edit on target scriptsBlue Prism version 6 has advanced its spying capabilities but UiPath approach seems to be more intuitive on a given problematic applications or platformsFlash component websites are not recognized by the toolsUiPath has better Image recognitions and OCR technology than compared to Blue PrismThe programmers have the advantage of code re-usability.UiPath can scale up to 10,000 bots per Server more than Blue PrismUiPath uses web-based orchestrator to manage the bots while in Blue Prism studio & control room are bundled within the same client software.Additional feature: Advance Scheduledling on Orchestrator (lacks in Blue Prism)Additional feature: Custom calendar as input for scheduling bots in Blue Prism (UiPath lacks)In case, if there is a situation where you need multiple versions to co-exist then UiPath orchestrator can handle such situations, unlike blue prism controller.UiPath is more versatile than Blue PrismUiPath can be deployed in cloud or hybrid environment including PAAS on MS Azure and AWS available while Blue Prism can also be on-premise and cloud-onlyUiPath has AI integrated while Blue Prism is using IBM Watson for cognitive analytics which is a separate paid packageBoth tools have good set of partners who can help you setup and succeed for your automation needs.Blue Prism license per process bot is more expensive compared to UiPath per bot licenceUiPath Bot imageFinally, you should always Upvote answers if they are useful.It helps others in their Journey, Also don’t hesitate to ask any questions in case you need any more clarifications.

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