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Paper ReviewTheorySignaling in general is a strategy where the informed party can use signal about its unobserved characteristics to reduce the information gap of the uninformed party. The practice of signaling has been studied intensively in the IPO market. Language in IPO brochures was able to reduce investor uncertainty and consequently increased the propensity to invest in the shares of a company. Moss et al. 2015 want to verify whether signaling is also beneficial in the context of microfinance platforms. Borrowers/entrepreneurs could reduce the information gap of investors by signalling unobserved characteristics and intentions with the language used on the Kiva platform in their loan request description. Note that the term borrowers and entrepreneurs are used interchangeably in this blog as well as in the paper of review, and refer the the people receiving the loan. The term investors refers to the people actually providing the loans1 Virtuous Orientation VO, the entrepreneurs positive characteristics toward ethical and virtuous values and behaviours. VO is captured by the constructs conscientiousness, courage, empathy, integrity, warmth, and zeal. 2 Entrepreneurial Orientation EO, reflected in the constructs autonomy, competitive aggressiveness, innovativeness, proactiveness and risk taking. HypothesesThe paper hypothesize the following:H1 VO constructs positively influences probability and speed to get fundedH2 VO constructs positively influences the repayment probability and speedH3 EO constructs positively influences probability and speed to get fundedH4 EO constructs positively influences the repayment probability and speedThe authors argue theoretically that VO and EO should give lenders a positive impression of the entrepreneurs increasing the chance to get funded and paid back.


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It was believed that literally letting blood out of the body would cure diseases like acne or the plague, and some believed that the practice would even cast out evil spirits. Bloodletting became popular and spread to the Greeks and the Romans and then through Europe in the Medieval era. The thought surrounding the practice was that blood was stagnant in the extremities, not flowing through the body as we know it does today, and thus would cause disease. Releasing the stagnant blood would cure the patient by forcing the blood to move. In the middle ages, bloodletting was not performed by physicians, but by barber surgeons. These barber surgeons also performed amputations and pulled teeth.



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So he understands the value of good schools, and he knows that Farmington Hills has great schools. He knows, because his daughter attends Farmington High School. He worked as a mortgage broker for years, and he has the connections and knows how to get financing for people. For those who have credit issues, he can help structure a lease to own also called a lease option program to help these people recover their credit to be able to qualify for a mortgage later. As a real estate investor, he has bought and sold over 150 properties, and he also owns another real estate company that controls over 75 properties. He has taught real estate investment seminars and given talks at Wayne County Community College. His last talk was in January 2011. There he gave people tips on how to find tenants that you want to keep. Many landlords in the room appreciated those tips!So he knows how to help investors find what they want. Plus, he understands that he needs to help other people make money; otherwise, people will not return to him, and he will not be able to stay in business. He can help property wholesalers, landlords, and rehabbing investors.



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Dont tread on his ego because he will go to work on you with his SEO works online, first article from consumer warning talks about how he just set off to tarnish a person credibility online with his sites. Then property investing forum suggest that they will not advise anyone to consider information on his site and they just want to say away from him. If you seek legal advice, the first step of course is to have a cease and desist letter sent which Jenman simply laughs at. In some cases, Jenman further ridicules his victim by boldly publishing his mocking remarks relating to their attempted defense. If what I said is really untrue then sue me! This bold response from Jenman gives the impression that he must be telling the truth about his victim, but actually like most intelligent and pre meditated doers of evil, Jenman knows that the chances of a conviction are slim. Defamation is one of the most expensive and high risk areas of law to defend yourself against and if you lose you have to pay not only your own legal costs which can vary between $100,000 and $300,000 but you have to repay around 65% of the other sides costs as well. Even if you do win, damages are hard to quantify and there is no guarantee that you will get them. On top of that, it can take 1 2 years to get a result. Is it any wonder that most people Jenman defames never go past their first letter of demand?They have little choice but to remain guilty unable to prove innocence. They suffer in silence or they change their name. The simple fact is, Jenman can say what he likes and unless you have the cash, the time and the will, Jenman wins.



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Having a bigger presence in the public eye than it has now. Its only a matter of time before they find out Im not really that good. 3. Rejection. If they reject my art, then they reject me, and I will cease to be relevant or even exist. Fear that youre not being, or wont be, acknowledged as an artist will hold you back. Fear that youre not good enough compared with other artists will choke your expression. This fear may lead to anger, bitterness and even depression. Since youre art is an expression of you, this fearful held back state of beingness will be reflected in your art. There is a vast difference between deliberately illustrating and expressing pain, desperation, and other negative emotions and holding yourself back in your artistic expression as a result of pain, desperation and other negative emotions. False Evidence Appearing Real Are you blaming other people or circumstances for being stuck your lack of success?False Emotions Appearing Real Are you beating up on yourself for not being good enough?Heres a clue: If youre feeling down then theres a good chance youre beating up on yourself.

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