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Credit score refers to a numeric figure that represents your lending risk based on specific financial metrics such as income, debts, and previous loans. In Canada, you can get your credit score from any of the leading credit bureaus, including Equifax and TransUnion. Lenders and financial institutions like banks and insurers will check your credit score to determine the terms of services on things such as loans, mortgages, and insurance cover.

The higher your credit score, the lower your lending risks, and the better your chances of getting favorable loan terms. If your score goes below a certain threshold, some lenders may not be willing to lend you financial assistance at all. However, even with a poor credit score, you can still get installment loans Canada no credit check and no questions asked. But lenders like these are rare. So, to be safe, here’s how you can improve your credit score.

Pay Your Loans on Time

Paying your loans on time earns you favor with your lenders and the credit bureaus. Set reminders or work out a system to ensure all your bills, debts, mortgages, and loans are paid on time. Contact your lenders immediately if you think you might miss or delay a payment and figure out a way to address the problem without negatively affecting your payment record.

Diversify Your Borrowing Accounts

A diverse credit mix can favor your credit score significantly. Long term loans, such as student loans and mortgages, only account for a small percentage of the credit score. Adding more elements like business and personal loans to your credit mix can help raise your score. Just be sure that you can always repay the additional loans on time.

Don’t Close Old Accounts

Don’t close your old credit account, even if they happen to be dormant or irrelevant. Your credit history matters; a long borrowing history reflects positively on your credit score. If you have to close some credit accounts for whatever reason, it makes more sense to close newer accounts instead of old ones.

Building a good credit score takes time, don’t expect to start seeing any significant improvements overnight. Monitor your credit status at least once a year and keep finding more ways of raising your score.…

The Tanoto Foundation is an independent philanthropic organisation founded by Indonesian businessman Sukanto Tanoto and his wife, Tinah Bingei. Established in 1981, the foundation primarily focuses on improving access and the quality of education in countries it is based in (Indonesia, Singapore, and China). It also focuses on funding medical research into diseases that are prevalent in Asian regions.

The Tanoto Foundation’s focus on education comes directly from its co-founders, Sukanto and Tinah, two individuals who were unable to complete their formal education. In 1966, young Sukanto Tanoto was prohibited from attending national school under the Suharto regime.

Despite his later success as a self-educated entrepreneur, Tanoto regretted his interrupted education and eventually went on to enroll into business school in Jakarta in the mid 1970s and pursued further studies at INSEAD in Fontainebleau, France.

Hence, the Tanoto Foundation takes special interest in addressing the needs of people who face problems with accessing quality education.

History

Beginning with the establishment of a kindergarten and elementary school in Besitang, North Sumatra, the foundation initially worked on improving education and infrastructure in poverty-stricken rural parts of the area.

Following its recognition as a non-profit charity organisation in 2001, it took on other operations, such as training teachers, improving facilities, providing scholarships (over 20,000 to date), and funding medical research. Throughout its 38-year history, the foundation has received all its funding from the Tanoto family.

Most recently, the foundation announced it will be taking on a new strategy with four main targets to be achieved by 2030.

1. Contribute to reducing the rate of stunting in Indonesia to less than 20% (2030)
2. Drive Indonesia to be among the top five most improved countries according to the OECD’s Programme for International Student Assessment (PISA) ranking system (2030)
3. Support medical research that will help extend the average lifespan of Asian populations by five years as well as prevent diseases that are prevalent among them
4. Help raise a community of leaders who strive to make a positive impact on society

Tanoto Foundation in Indonesia

The Tanoto Foundation’s activities in Indonesia have been largely focused on education. In 2010, the Pelita Pendidikan programme was launched to improve education in rural Indonesia, specifically the qualifications and competencies of teachers and proper facilities at schools. The programme was renamed PINTAR in 2018 and expanded its focus to cover schools in more urban areas as well.

In 2016, the Tanoto foundation established the Acacia Child-Friendly Integrated Public Space (RPTRA) in Jakarta, complete with a library, playground, gardens, and other facilities that encourage early childhood development. The space covers a total of about 2,400 square kilometres.

Also in 2016, the Tanoto Foundation agreed to provide funding for a pilot project between the provincial government in Riau and UNDP Indonesia. The goal was to drive the UN’s Sustainable Development Goals within the local community.

The Foundation is also a renowned giver of scholarships for higher education in Indonesia. As of 2018, it has used its National Championship Scholarship programme (now known as ‘TELADAN’, which translates to ‘role model’ in Bahasa Indonesia) to support over 7,500 students at 28 local universities.

Recipients of the scholarship receive funding for their tuition as well as a monthly living allowance, and additional leadership training. The latter is a major focus point of TELADAN. As such, it has reduced its number of university …

Your office layout is about much more than just appearance. Even the coolest chairs are no good if they are too uncomfortable to spend extended time working from them. There are a few things that can be done with an open office space to create an effective and attractive working environment that will be a comfortable place for your employees to work.

The Layout

An open concept office space has the potential to be as noisy and chaotic as a soccer game. Avoid these problems by considering some hearing-friendly materials such as noise absorbing ceiling tiles or a flat carpeting as opposed to a polished concrete or linoleum floor that echoes and emphasized every squeaking wheel or bumped rubbish bin. Choose acoustic dividers that can baffle voices, the ringing of phones and the beeping of faxes can help maintain privacy and concentration.

The Furnishings

Whether you need conference tables, individual desks or lobby furniture, keep one term in mind: ergonomic. This term refers to furniture that is not only designed for its looks but also for comfort and the prevention of back strain and other job-related health problems. Choose from the office furniture Indiana employers prefer to meet both requirements. Your employees will be more productive if they are more comfortable on a day-to-day basis.

Materials and Supplies

Organize a supply room that makes sense. Place heavier items at waist height or below to prevent back strain from employees lifting over their heads. Label drawers or cupboards to make locating paper clips or staple refills more simple. Locate this supply room in close proximity to the area where items will be used to cut down on wasted time getting to and from the supplies.

Don’t forget a nice break room where employees can listen to music, get a cup of coffee or soft drink and relax completely for their break period. Think about your office pool area as if you were going to have to work there yourself and set it up for a successful work experience.…

A marketer is expected to obtain and maintain full control of the client’s experience over the campaign period. According to The Economist Intelligence Unit, approximately 499 chief marketing officers (CMOs) and senior marketing executives can identify market evolution. The Unit conducted one-on-one interviews with several CMOs from leading brands, such as JPMorgan Chase and Unilever. The aim of this study was to identify core trends and technologies driving the marketing industry for the next few years; thereby, making the results an interesting read.

This article discusses some of the key findings for online marketers. If, however, you want the complete report you can sign up for a downloaded version.

#1: The Hottest Technology Trends For Online Marketers

The chart indicated below is not surprising in various ways. Online marketing has been a massive trend for several years and covers more than 50 percent of all web traffic. The internet of things is a more popular and recent advance; however, it is not clear how this can affect marketers.  It is a growing industry and many agencies specialise in creative industry recruitment.

Customising the marketing techniques is a trend that has been around for some time. Now with data being available to companies, CMOs are beginning to realise how customisation and opportunity has developed over the years. Geo-targeting is the beginning, but it should not be the overall objective. Advanced online marketers are able to develop statistical models to determine which signals customers are most interested and serve them in products.

One of the latest and most ground-breaking technological advancement in marketing is the block-chain technology. Once again, the prediction of how block-chains will evolve in the following year is unknown. The implications for law, banking, and intellectual property is now being realised; however, it will not determine how useful this trend is for online marketers.

Artificial intelligence, also known as AI, has been a popular topic in recent years. This is particularly since Go Champion was defeated by the Google Alpha Go technique. Mixing AI with content customisation provides some outstanding opportunities for all marketing and using it in experimental ways can be worthwhile.

#2: The Key Options For 2020

I’m not sure about you, but when a person mentions the year 2020, I still believe it is a long way off. By 2020 we were supposed to have flying cars, robot butlers, a moon base and mind-reading computers. Not all of this is available, and some are rather near being ready, but this doesn’t change my mind that 2020 is still a long way away.

Believe it or not, we are already in November! What does this mean? Not only that winter is arriving but also that 2020 is not far away. Do you remember 2012? It seems as if it were only last year. The point of this rambling is that time passes quickly, and it will pass quickly over the next two months. I realise I am pushing the point, but I believe it is very easy to think the future is several months away before you find yourself in that “future”. Without any notice, all of your marketing efforts fall behind – it’s as simple as a click of your fingers.

Keeping this in mind, it is important to consider what CMOs think of different key marketing channels for …

The following are 10 things you can do, for free as suggested by Leapfrog Internet Marketing to help improve the marketing efforts of your business.

1. Make Sure Your Website Is Secure

Is there a padlock symbol on your website next to your site address? If you don’t have this, that means your website doesn’t have a security certificate ad it could be penalised by Google in is search results. It is time for you to arrange to have a security certificate installed. Your internet service provider should be able to do this for you. You can expect to pay £50-£100 for the installation.

2. Check Your Website Is Mobile Friendly

It is absolutely essential for your website to be mobile-friendly. Many websites are these days, but if yours is not, then talk to your developer to see what steps can be taken to remedy this situation. To check to see if your website is mobile-friendly or not, go to:
https://search.google.com/test/mobile-friendly

3.  Verify Your Facebook Business Page

Make sure your Facebook business page is verified. Verified ones are considered to be more authentic compared to unverified Facebook business pages. To verify yours, go to:
https://www.facebook.com/help/100168986860974

If you don’t have a Facebook page for your business then you are definitely missing out on a lot of benefits.

4.  Check Your Contact Details

Are your company contact details (email, telephone, address, etc) presented in a consistent manner across the internet? That might sound insignificant, but whenever Google’s robots are crawling across the internet, they like seeing details displayed the same way all over the web. Do a Google search for your business, print the results and then determine whether you need to update any of your details.

5.  Update Your Social Media Profiles

Make sure that all of your social media profiles have been thoroughly completed. When getting a profile set up, it is human nature to do the bare minimum and then put off the rest until later (and then you never end up getting around to it). Check your LinkedIn, Facebook, Twitter, and other accounts and check them.

6.  Use Google Alerts

Have the latest news on other local businesses, your market, and your competitors delivered to your email in-box, at intervals that you choose. You can use the Google Alerts service to do this.

7. Ensure You Are GDPR Compliant

GDPR is still a very hot top, even after 12 months of this law being enacted. Therefore, it is definitely worth staying current on GDPR developments and the ways it can affect small businesses. There are sensible guidance and regular practical posts at the ICO website: https://ico.org.uk/for-organisations/

8. Stand Out For Free on Google.

Take charge of what individuals see about your business whenever they do searches. There are tools provided by Google My Business that allow you to receive customer reviews, post content, and update your business profile.
https://www.google.com/business/

9. Make Sure Your Website Is Fast

More than fifty percent of all internet traffic is seen on a mobile device these days. How fast the pages of your website download to a mobile device may affect your Google rankings. You can take a mobile test and get a free speed report for improving the performance of your website on mobile at:
https://www.thinkwithgoogle.com/intl/en-gb/feature/testmysite

10. Continue to tell your story.

Your business helps your …