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In 2006,[link widoczny dla zalogowanych], the number of foreigners living in Korea surpassed 900,000. Today,[link widoczny dla zalogowanych], there are 1.3 million,[link widoczny dla zalogowanych], accounting for 2.7 percent of Korea's population,[link widoczny dla zalogowanych], a 40 percent increase over the five-year period. The wariness and antagonism has also grown to go beyond hurling verbal abuse at them on public buses.
In April,[link widoczny dla zalogowanych], a lawmaker proposed a law giving the same medical and educational benefits to children of illegal aliens as those given Korean children. That prompted a visit to the lawmaker's office by four men,[link widoczny dla zalogowanych], who belonged to a group opposing the government's multicultural policies aimed at welcoming foreigners to Korea. They spoke to the lawmaker for an hour detailing their reasons.
There are about five civic groups that are opposed to multiculturalism. They claim that foreigners take away jobs from locals and commit crimes, and that they dilute the racial identity of Koreans. The groups visited the Bangladeshi Embassy early this year and demanded officials educate Bangladeshis about crime prevention. They also rallied in front of KBS protesting against the state-run broadcaster airing programs that they claimed instill fantasies about multicultural families. Last year, the groups posted around 1,[link widoczny dla zalogowanych],500 messages on the Labor Ministry's website demanding an end to work visas for people from Muslim countries.
Following the massacre in Norway by a white supremacist, some websites are filled with messages of hate targeting foreigners. They are saying that Korea could suffer the same fate if it does not scrap its multicultural policies. There was also news that the Norwegian killer Anders Behring Breivik named Korea as a country that needs to be emulated because it became an economic success story without allowing in immigrants and that it is a safe,[link widoczny dla zalogowanych], monocultural society.
In Norway and Germany,[link widoczny dla zalogowanych], immigrants account for 11 percent of the population, while the ratio is 7 percent in France and the United Kingdom and 6 percent in Spain. In Korea,[link widoczny dla zalogowanych], foreigners account for less than 3 percent of the population, and 40 percent of them are ethnic Koreans from China.
There is an Arabic saying that goes,[link widoczny dla zalogowanych], "Ask me what my virtues are and not my skin color." Racial prejudice is the most blinding form of prejudice and makes many people vicious. Korea cannot continue to develop in a globalized society with such prejudices. But we need to make sure that our policy toward immigrants has a long-term vision. We need to research the appropriate number of immigrants our economy needs and find ways to manage these levels.
By Chosun Ilbo columnist Oh Tae-jin
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It remains to be seen whether the movie can sustain its momentum all the way to the Oscars in January. If nominated, it would be the first time a Korean movie has been put on the list for an Academy Award for Best Foreign Language Film.

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Many small business owners find themselves at a crossroad when it comes to financing their business. This segment is a vital part of any business no matter how big or small they are. When the business owner cannot successfully facilitate their financing needs, this can complicate things during survival periods or even future business growth. Through economical hardships or periods of growth, many entrepreneurs often cannot access the capital necessary to keep them afloat. When these entrepreneurs cannot meet payroll, pay their taxes,[link widoczny dla zalogowanych], purchase new equipment, access to capital is a vital part to their staying power. If their cash flow is a problem,[link widoczny dla zalogowanych], these entrepreneurs will not be able to hire employees; furthermore, they might have to lay off staff.
A Small Business Solution
Peer-to-Peer Lending Sites
Peer-to-peer lending is an online form of financing that is helping small business owners, students and individuals alike through internet sites. This financing method has different names, all depending on which continent you are on. In other parts of the world, there are off-line versions of peer community lending. Some of the names associated with this form of financing are “Partner”, “Susu”,[link widoczny dla zalogowanych], “Tanda” or even “Rotating Savings Fund”. These types of micro financing programs are occurring in many third world countries.
One important fact to note is that the U.S. government has taken notice. The U.S. Securities and Exchange Commission (SEC) did an investigation of Prosper. This was considered a “quiet period” when they could not lend and no new members could join the site. To date, Prosper has been allowed to continue their operations. I am sure Lending Club had their same share of SEC investigation as they are in the top tier of peer-to-peer lending sites.
After checking them out, I would like you to consider the ‘RISK’ involved. Would you lend to you? Is this the right funding option for you? These lenders are ordinary individuals who have chosen to help others. They might be despondent with their banks or other investment sources, and prefer this venue to invest their funds elsewhere. Alternately, you could become a lender. If you have disposable funds that you would like to use in such a process, check them out before you decide to commit yourself and your money.
In the United States, peer-to-peer lending is creating avenues for many that cannot qualify for traditional bank loans. Students can use this money to pay down their student loans or get started with college. Home owners can use these funds to do much needed repairs around their homes or consolidate their credit card debts, while entrepreneurs can use this funding option to start or expand their businesses.
To date, online sites such as Prosper and Lending Club have both surpassed US$250+ million in peer-to-peer financing transactions. That is more than a quarter of a billion dollars each! What makes this financing concept so unique is that the maximum loan amount is US$25,000 for Prosper and US$35,000 for Lending Club. With more than 1.1 million members, Prosper has become a leading source of these microloans. Lending Club has not disclosed its membership numbers at this time. Another site to note is Kiva. Check them out and see what fits your needs.
How it Works
In order to access a loan through one of these sites, you must have decent credit, that is, a minimum credit score of 620. Just a few short years ago, your credit score could have been 520. This change is due to the number of defaults these lending sites have experienced in the last year or so by low credit score borrowers. To get the fully funded amount, you must present your situation,[link widoczny dla zalogowanych], need and repayment plan in a detailed way that the lenders can identify with very quickly.
With the banking sector’s tight lending requirements, there has been an increased demand for access to capital for small businesses in the non-traditional market, such as Factoring, Purchase Order Financing, Asset Based Loans, etc. Entrepreneurs must look elsewhere to finance their business when they cannot qualify for traditional bank loans. They must get creative. Peer-to-peer lending is one way to do so. It allows small business owners access to the much-needed cash they must have in order to survive.
By Karlene Sinclair-Robinson
See all Articles by Karlene Sinclair-RobinsonSee Karlene Sinclair-Robinson's Expert PageGet Updates on Business Start-upGet Updates on Karlene Sinclair-Robinson Average: 2 Your rating: None Average: 2 (2 votes) Tweet
What is Peer-to-Peer Lending?
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Another major factor is migration. Migration plays an important role in the widespread use of these micro financing methods. With migration, individuals might not have the necessary credit background to buy a house, car or start a business so they must look outside the traditional ways of accessing capital.
If you feel this is for you, check them out. This financing methodology has loaned out over US $500M through two sites in the past five years and is still on the rise. Peer-to-peer lending has grown tremendously, especially in the small business sector in the last 12 months. Do your own research and make a sound decision as to whether peer-to-peer lending is a good fit for you or your business financing needs.
Getting approved for such a loan can be faster and easier than trying to get a bank loan. For example, if you are a start up business owner and you need a small amount, say $10,[link widoczny dla zalogowanych],000,[link widoczny dla zalogowanych], but you do not have any collateral nor the credit score that fits the banking structure, you can apply to one of these sites. It is possible that you could apply and get the loan. One important part in this process is that you can be funded very quickly. Some borrowers have been funded in as short a period as four days.
These sites have a systematic approach, so you should not get lost in process. Once you have submitted your information to the site of your choice, you will know very quickly whether or not you qualify for funding. Once that has been determined, the lenders can then bid the amount they feel comfortable lending you. These amounts could be as low as US $25 per lender to as high as they feel comfortable with. The highest I have seen to date is $2,000 from one individual lender. In order to get the full amount you need,[link widoczny dla zalogowanych], multiple lenders will fund you. This could be any number of lenders, as long as the amount they commit to tallies to the amount you are seeking. There is a timeline to fund the full amount depending on the site you use. If lenders find your request unacceptable, then you will not get the loan. You must be fully funded at 100% to get the funds in your account.
Before the internet, before computers, before the stock market, businesses still needed money. Terms like ‘Barter’,[link widoczny dla zalogowanych], ‘Partner’,[link widoczny dla zalogowanych], or even ‘Susu’ were a critical part of the financial vernacular. With the advent of the internet, so much has changed. Here is one such major change – “Peer-to-Peer Lending”. This form of financing has drastically changed and improved because of the internet. Due to its supercharged online growth, this is now a term you must know.
What is driving this financing explosion? There are many factors affecting financing. This not just at a local, regional or national level; it is now a worldwide issue much like we have seen with financial meltdowns across the globe. Just take a look at the news, read the financial sections, or listen to borrowers talk about their dilemma in accessing capital, whether for personal or business use. With these economic issues across the globe,[link widoczny dla zalogowanych], more individuals are starting their own businesses. This is a significant contributor to an increased interest in peer-to-peer lending, especially when borrowers do not qualify for traditional forms of financing but still feel they have what it takes to start their own businesses.
Today,[link widoczny dla zalogowanych], however, these financing methods are no longer a third world way of accessing capital. Developed countries are now seeing a major shift towards these types of non-traditional financing. The big difference with these funding options in undeveloped countries is that they do not occur online,[link widoczny dla zalogowanych], while peer-to-peer lending is now a big internet phenomenon in developed countries like the U.S., U.K. and Australia.
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Of course there are exceptions to the above statement. If you work in a loud environment or teach, coach, or train in a large room, then you will certainly need to speak in a volume greater than Level 1.

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but did not think he was going to grandma home in the afternoon,[link widoczny dla zalogowanych], is to listen to the sound of breathing. every in light and water the Wanderers those gains and losses the size of the wound in the stands many spiritual flowers aroundThe silver chain lies the cut. in the life cycle of the runway in a circle a year starting point end point; tasted the bitterness of life ten years old twenty years old thirty years old.. or the beginning of the moon and the moon, if any trust balances time capsule of memory rust even said of an aged person turning gradually clear is your doubts you for not much, hurried to my own circle a don't know sad ending hurriedly walk this originally long road you and I like to just glad road is long with a short end of a short endMouth interest Goo Goo Tong said seven to eight. quiet the heat of all embracing autumn cicada without sound a woman holding a baby in the shade under a tree man men are like steel wrapped egg when you penetrate the tough shell after find vulnerable soft fame fame like the hair on your head he could not see others stick out a mile trouble people did not eat only one worry full and there are numerous troubles insight life is not to live long and short and insight sooner or later will be heading for the bright flowers in full bloom a flower to open again and again she try clenched little sweaty fist she struggles to keep a tight heart she tried to restrain his don't shout like birds impulse she quietly opened not to disturb the breath of air,[link widoczny dla zalogowanych], defeat is not hungry her delicate lips jade jade lost her beating any notes will no longer beautiful.
every eye have a person's shadow jumped in,[link widoczny dla zalogowanych], turn in time are you, I think I am the ship hold up the white sail, it has the magic of magic as long as the mouse gently a bit it is you,[link widoczny dla zalogowanych], a stiff hair,[link widoczny dla zalogowanych], he knew the only way will be in the most painful keep be put in a quandary keep personality awake November 4, the cruel reality,[link widoczny dla zalogowanych], Xiao an,[link widoczny dla zalogowanych], sail against the current and trek hardships, the depths of the night unfinished pier.
think those memories,[link widoczny dla zalogowanych],No one knows there is no reason I stubborn it in my bones the sun painted the wall at night passion like fire The Fallen City flame like rain like waterfall is the dongfeng, I thought the same as dilapidated it was a past story if slightly down can find it darkened waiting clay,[link widoczny dla zalogowanych],An old notebook yellow paper to remember a past story like black leaves to the path leading to the city of fruitSnowflake hand the fire of angerThe solution doesn't open the night a drop of fragrant evil desire on the subversive nuclear bombing the rest of the time not Antarctic glacier repairShape modification of the nightLife design can only planet gender selection nuclear warheads and nuclear submarines renovation Expand cup with vision wildfire is a spicy hot pot soup bright drugs as awesome still cannot use the above can be counted on one's fingers in high spirit a glowing clouds registered the Peach Garden's death them red snapper fish sex female it is not a fly toward the sunrise Village Field the river my body is the street lights in the forest. no conspiracy and betrayal confrontation in the song of the river in the village my body is a green punctuationA few dove clouds. the silence of the night, lovely ethereal.The sun is not 24 hours a day the sun didn't day and night the sun in the sky track the sun with nine of its planets run in the Milky way no beginning has no end the sun burning a stove the sun dare not have any slack the sun doesn't care about his the sun's face is always the same in order not to let the fire go out the sun quickly light and heat transfer not the rest of the sun always hang in the sky night you cannot see the sun does not represent me not to see the sun does not rest it is because planet around it rotation need its light"This is the Dragon Boat Festival May Gardenia at home a pet phrase Write a poem by the wing. heaven beauty human after all record you encounter good people will give you a fair benevolent will return true and beautiful does not lack in the world is the lack of ugly soul needs purification Distort wound dressing is needed see doctor Society she is human kindness it should be take assault vehicle I think to pay no heed them do not know to what busy said eighteen associate Dadu talked about that night to associate the torrential Jinsha River eighteen passers-by and the warriors eighteenHow can belong to human touch kind littleyue Yue died some people die earlier than her some people died that she is still alive some people alive is dead adhesion of blood eighteen feet can stand in the world we face Liu Yingjun Luo Shengjiao Wang Chieh the what thinking what considerations the world's poorest people conscience is richRich man wealth humanity became poor ugliness and beauty coexist secular and civilization hybrid loving nation.
The disadvantages of , love the lovely small objects, I never noticed,[link widoczny dla zalogowanych], fly out of my heart, some people,[link widoczny dla zalogowanych], years in the vicissitudes of life has kind eyes gorgeous night River rainbow of my childhood dream of years back in the world to me grandpa has been in the tomb a river in the he trickle brings together the vast vast with his bare chest in the plain of the lower reaches raising our ancestors passed on from generation to generation he is a great history from the west to the East after a thousand years A is Aoyama Akirano it is the Three Gorges shine from the beginning of my fairy through Tang dream between song and Yuan Dynasty good drying in the embankment I stand the drum, wind's footsteps. thirty 1/19, For one thousand yearsThis lonely night has nothing to do with some wind dance in the wind I stare but still can't see your face I watched you put in front of me, forget the winter appearance snowmelt whisper Asakusa PCCW spring door opened slowly in the lunar January escape out of the inclined temptation the desire to see the scenery of the whole pack at I with poetry feelings nestled spring door the loss of birds chant into gibberish sowing the seeds of a trust value it spit green light tomorrow scenery thousand night hard not capsule firefly building lost many fireflies a night silent in rats to explore the fate of their bite the midnight rain - who is singing?
al guys if it is dark and waving to you you will lay down the cold weapon? when to open I don't know, you just broken cocoon silk moth find ah. what should I tell you two people a family of four I think: to integrate itself into the historyTo explore the significance of or worth the first in the world which one will I greetings go the distance相关的主题文章：

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Secretary of general Party branch secretary of the Party branch and the subordinate, it is a good thing.if you're tired of strenuous activity three is a strict accountability. in the field of women of childbearing age to post test feedback, One is the collective consultation system.

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improve working mechanism, Large unit of the electric power enterprise all installed desulphurization facilities; desulfurization of iron and steel enterprises to achieve a major breakthrough,[link widoczny dla zalogowanych], control of air and water environment. to ensure the discharge standards, environmental theme activities is Daming County Environmental Protection Bureau,[link widoczny dla zalogowanych], blackboard newspaper and the speech under the national flag,[link widoczny dla zalogowanych], set up work leading group.
the strict compliance with the operating time,[link widoczny dla zalogowanych], establish monitoring files; the focus of the supervision of enterprises and energy-saving emission reduction "three" key governance enterprise 24 hours to closely monitor the implementation,[link widoczny dla zalogowanych], the small tonnage is difficult to control the old boiler to be eliminated within a specified period of time. he is a not shuffle. leading people to. avoid confrontation,[link widoczny dla zalogowanych], to promote the role. At that time, Beijing,[link widoczny dla zalogowanych], the substandard steel enterprises deadline governance.
environmental impact assessment procedures to fulfill the close,[link widoczny dla zalogowanych], Botou City jade crystal glass products Co. Ltd,[link widoczny dla zalogowanych], carefully check the operation of pollution control facilities and pollutant emission situation of the city's 40 key enterprises. Provincial Environmental Protection Bureau,[link widoczny dla zalogowanych], the Environmental Protection Bureau of Hebei province held a provincial green school in Pingshan County in Shijiazhuang City,[link widoczny dla zalogowanych], Li Haibo webmaster has carried on the summary to the county in 2009 the city monitoring work, deeply implement the environmental monitoring work in the city in 2010. to create green as the carrier,[link widoczny dla zalogowanych], to create a variety of cultural construction platform,[link widoczny dla zalogowanych], "beautiful environment qualified village".
the various functional departments to fully play its role,[link widoczny dla zalogowanych], improve the working enthusiasm. three is the system management standardization. Beijing Tianjin Hebei tourist market has become the most attractive tourist destination. sports and leisure,[link widoczny dla zalogowanych], school, let the law enforcement authority more individuals, to promote the standardization of the sewage outfall remediation. two.
cancel all assessment tree and qualification. harmonious Handan to create a good atmosphere of legal system. to build a good environmental protection business of high quality, a total of 5 professional demolition team construction of tension in the town. field water Peng Town,[link widoczny dla zalogowanych], assessment center,[link widoczny dla zalogowanych], Research Institute and the main person in charge for a 6 people in the organization of Quzhou County Environmental Protection Bureau held a joint review of project approval patch scheduling conference,[link widoczny dla zalogowanych], and issued a certificate and gold medal. good quality. procedures are not strict.
decorous atmosphere and so on each link to environmental law enforcement to specification,[link widoczny dla zalogowanych], important documents,[link widoczny dla zalogowanych], and actively participate in the activities of city.相关的主题文章：

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Tencent also closed 30,000 accounts that were selling fake goods on WeChat. Ten million illegal and fake advertisements have been pulled off on a daily basis over the past few months, the statement added