Small Business Financing And Working Capital Loan Quiz

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By Steve Bush

A brief series of pertinent small business financing questions and answers are provided below as a tool to illustrate why working capital loans and commercial mortgages have become so difficult to obtain. This is designed to serve as a good starting point for any small business borrower about to embark on efforts to secure commercial financing.

After they were given taxpayer funding by the financial bailout in 2008, are banks required to provide small business lending?

No, although it is a mystery to almost everyone (except for the bankers themselves) that there were not such conditions placed upon the banks when they were saved from financial collapse by taxpayer funds. Because the assets are considered to be what is known as fungible, the recipients can effectively do what they want with the money. This seems like a term invented just for such an occasion. As used for banking purposes it is not possible to say what happened to the money given to the banks because the monetary assets are interchangeable with other funds. Most banks saved from financial collapse now appear to be investing a significant portion in what most observers consider to be risky areas similar to what got them into trouble at the beginning of this crisis, and in any case there were no restrictive conditions which would require banks to provide any particular amount of commercial loans.

[youtube]http://www.youtube.com/watch?v=PaRKK8BOzUY[/youtube]

Are there really any good banks still standing? After the financial bailout, are banks still failing?

Yes seems to be an appropriate answer to both questions. Telling the difference between good and bad banks is unfortunately not an easy task for innocent bystanders. It should be apparent that there is still a lending crisis that was not resolved by the bailout because (among other objective indicators) there continue to be ongoing weekly reports from the Federal Deposit Insurance Corporation about bank failures. The rest of us can still draw our own conclusions even though bankers and politicians do not want to talk openly about this situation.

Do phantom business loans refer to commercial financing that lenders say is available but in fact is not?

Yes, and the term is influenced by technology firms when they talked about products often called phantom software when they were trying to discourage customers from purchasing a competitive product even though the company that made the announcement did not have such an item actually available. Because there were so many documented instances in which the phantom software never materialized beyond a press release, the practice was usually viewed as controversial. The world of small business lending has now apparently adopted this questionable public relations ploy.

While the preceding discussion was not intended to be a complete examination of small business loans, it was designed to reveal potential lending difficulties to small business owners before it is too late to take appropriate action. The brief business financing quiz shown above also illustrates several key issues to help explain the recent lack of adequate commercial real estate loans and working capital funding by banks to small businesses.

About the Author: Stephen Bush has provided business financing expert advice to commercial borrowers for over 30 years and delivers small business finance services throughout the United States. Please visit the Commercial Mortgage Loans website for AEX Commercial Financing Group at aexcfgllc.com

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An Online Guide To Forex Trading And Ecn Forex

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What is Forex Trading?How forex traders make money? Normally the selling price is higher than the buying price. The currencies are bought at lower prices and sold at higher prices and the difference between the selling and the buying price is the margin of earning for the forex traders. The relative values of different currencies are determined and maintained by the economic conditions of the countries. A country with sound economic conditions enjoys the higher value of its currency. Dollar, pound and Durham are believed to be some of the strongest and dominating currencies in the global forex market. What is an ECN Forex?Electronic Communications Network acts as a useful marketplace where banks, individual investors and other financial companies do forex trading. The basic purpose of every ECN broker is to provide all the services and technical assistance required for making money through forex trading. The ECN forex brokers perform a number of functions for their clients or account holders. Firstly, they provide the clients with the guidance and financial market analysis that helps in trading currencies. Secondly, If the clients do not have enough time to do to do trading by themselves, the ECN brokers not only manage account for the clients but also conduct trading of currencies, buying and selling, with the approval or permission of the clients. Thirdly, the trading rooms of the forex brokerage houses provide very useful information to understand the tricks of the trade.What is a Forex trading platform?Forex trading platform is automatically integrated computer software which allows traders or investors to buy and sell currencies. The software provides the investors with the tools and analysis to make currency trading decisions effectively. These softwares are offered by the financial institutions such as banks and brokerage houses. If you have money and want to do forex trading, you need to open an account with a Forex Brokerage Company. After you have opened a forex account and deposited money, you become able to buy and sell currencies in the global forex market to make money. The brokerage house allows investors to use forex trading platform. The investor or the trader has the option to download this software on the home computer and start forex trading from the home. The brokerage company issues a user name and password which is used to log in the software of the brokerage company. The brokerage house allows investors or clients to use its forex trading platform. The investor or the trader has the option to download this software on the home computer and start forex trading from home. The brokerage company issues a user name and password which is used to log in the software of the brokerage company.The investors can operate their forex trading accounts either from the computer of the Brokerage house or from the home computer. Some of the commonly used Forex trading platforms are:MetaTrader Forex FunnelTurboForex TracerWhy Forex trading platform is necessary?A Forex trading platform enables investors to buy and sell currencies in the global financial market. Following are some of the important features of a standard Forex trading platform:1) Forex trading platforms display all the currencies and their buying and selling prices in a user- friendly format.2) Forex trading platforms provide users or investors with technical assistance and effective market analysis.3) Forex trading platforms offer automated trading and great technical analysis.4) Forex trading platforms display archival record so that the investors or traders make their decisions properly.5) Forex trading platforms allow traders to set the accurate of minimum and maximum boundaries of prices to buy and sell the currencies.6) Forex trading platforms allow users to open more than one window at the same time.

[youtube]http://www.youtube.com/watch?v=c2dL_TzLMkE[/youtube]

The Best Butchers Use The Best Equipment

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A wide variety of butcher equipment is available in the marketplace today to help the professional butcher increase productivity and more efficiently perform his or her duties. For example, the latest tools are often manufactured with coatings and surface qualities that improve hygiene, are easy to clean, lighter, and are longer lasting with fewer maintenance requirements. They also often are capable of increased workload capacity which saves time and money, are more ergonomically and naturally designed for ease of use and comfort to reduce stress and strain, environmentally friendly, and generate less noise in the work setting, among numerous other advantages.

The best butcher machinery enables butchers to perform their jobs faster. This includes computerized models that quickly and accurately measure, weigh, and manage for consistency and portion control. Heavy-duty slicers, fillers, and grinders with guards and other built-in safety features can also save time, improve productivity, and prevent injuries that are often caused when using slower manual methods to process meat products such as when cutting by hand.

But top quality butcher saws with a variety of interchangeable steel blades and knives are often still a necessity for many chores a butcher performs. Professional butcher meat saws are capable of more quickly and efficiently cutting meat down into a greater variety of manageable pieces to prepare for processing, and the best butchers know that modern knife handles should have antibacterial and anti-slip coatings and an ergonomic design that makes tasks easier with less fatigue and safer while helping to prevent contamination both in the work setting and along the food production chain. Blade surfaces on cleavers, boning knives, steak knives, skinning knives, and other cutting tools should be easy to sharpen, durable, and free of crevices or cracks where bacteria and germs can hide.

Having advanced packaging equipment such as vacuum packers, heat-sealing machines, and clippers is also critical to butchers who want to ensure that their meat products are properly and securely sealed and protected to guarantee that meat is preserved and packaged for an extended shelf-life.

Additionally, the best butchers often use butcher machinery that is fully automated such as smokers and self-basting equipment that not only reduce labour and time requirements, but have other benefits such as retaining more moisture and minimizing shrinkage for a better end product that is more satisfying to the consumer.

In summary, today’s butchers require cutting-edge butcher equipment that is durable, flexible for multiple purposes, affordable, safe, and sanitary, and the most experienced and qualified butchers know that in order to provide the best meat products and services to customers it is extremely important that one be equipped with the highest quality butcher equipment.

The Pros And Cons Of Hyperhidrosis Surgery

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The Pros and Cons of Hyperhidrosis Surgery By Tim F Clark

Medical treatment for hyperhidrosis typically involves careful assessment by a qualified dermatologist. At first the dermatologist may prescribe lotions or powders to try and mitigate the profuse sweating of the palms and/or underarms.

The surgical procedure to treat hyperhidrosis is called “video-assisted thoracic sympathectomy.” General anesthesia is give to patients who undergo this particular procedure. The surgeon would make 2 very minute incisions under the underarms. The incisions made are about 1 cm. (0.4 in) in length. A small quantity of carbon dioxide (referred to as “air”) is pumped into the chest cavity to shift the lung away from the operative area. The surgeon then inserts a fiber-optic camera and instrument into the incisions. The cameras are used to find the sympathetic chain that is primarily responsible for signaling the sweat glands in our body’s upper limbs and face.

It is the 2nd ganglion in the chain that directs perspiration in the palms and face, including facial blushing. The third and fourth ganglions run underarm perspiration. Your surgeon will normally talk about the different surgical choices for you based on the kind of sweating disorder that you are having.

Surgeons use various techniques in surgery to trace, fasten and get rid of the sympathetic ganglion. The procedure is termed sympathectomy. Upon the completion of the procedure, the surgeon takes out the air and seals the opening or incision. The surgery only leaves 2 minute and inconspicuous scars that are hidden in both underarms.

Success Rate and Results

Video-assisted thoracic sympathectomy’s success level ranges from about ninety-eight to a hundred percent. Surgery on Hyperhidrosis of the hands only has a recurrence rate of seven percent. It has been observed that the success rate is also encouraging for hyperhidrosis involving the axilla, however this particular procedure has a high rate of return.

Investigations have shown that around ninety-four percent of patients who undergo this surgery are satisfied with the results and would be willing to go under the knife again if the need arises. Patients normally experience compensatory sweating after surgery. This only implies that the other parts of the body, like the trunk or thighs, may exhibit more perspiration than is commonly excreted. The majority of patients think that compensatory sweating is more acceptable than hyperhidrosis.

The side effect of compensatory sweating is observed to happen more frequently when the surgical procedure corrects profuse underarm sweating. Surgeries done to correct excessive sweating on the palms, or face, and facial blushing tend to have lesser compensatory side effects. Compensatory sweating gradually decrease within the 1st 6 to 12 months. Heavy compensatory sweating happens in more or less seven percent of all patients. Risks for this surgical procedure are minimal. It is wise to discuss everything in detail with your surgeon before having the procedure done.

When complications occur, they are more often than not of minor significance and would only need an extra day or two of hospital stay to deal with. These complications may consist of:

oPneumothorax: a tiny quantity of air may linger in the lungs after the procedure or there could be slight leakage from the lung. This usually reabsorbs on its own and treatment is not needed. It is very rare for a patient to require suction drainage to remove the air.

oHorner’s Syndrome: a somewhat smaller pupil and droopy eyelid are caused by injury to the upper ganglion (called the ganglion stellatum). This however is exceptionally uncommon. Blepharoplasty, a plastic surgery procedure to shorten the upper eyelid is call for to correct a droopy eye.

oBleeding: excessive bleeding is an unusual occurrence. It is however effortlessly controlled by the surgeon. Please discuss the risks involved in the operation in detail with your surgeon.

Tim Clark writes health related articles, the majority of which can be found on his website on hyperhidrosis [http://www.treatmentforhyperhidrosis.com] , where he has a large listing of hyperhidrosis articles [http://www.treatmentforhyperhidrosis.com/hyperhidrosis-articles.asp]. For more information on hyperhidrosis surgery [http://www.treatmentforhyperhidrosis.com/hyperhidrosis-surgery.asp] just follow the link.

Increase Your Chances Of Winning With Online Gambling

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For centuries, gambling has been done to provide entertainment for our ancestors. It has made them happy with easy winnings, or tragically sad with losses. Nonetheless, from the ancient Romans, the ancient Chinese to our modern civilization, gambling has indeed been a part of history. Even the most famous monarchs were known to gamble, and some even got addicted to it.

To date, online gambling is now the largest sector in the gambling industry. In fact, some online gambling websites prove to be larger than major casinos in Las Vegas because of the fact that online casinos can cater to everyone from all over the globe. Online gambling has proven to be more popular and it is still gaining followers.

Online gambling provides the convenience ofplaying online casino gamesand winning real money without leaving your home. Of course, when it comes to gambling questions like, how to win more? and such, it always bothers gamblers.

Gamblers know that they are risking something whenplaying online casino gameswith real money. They know that gambling is, well, gambling. There is absolutely no guarantee that you will always win whenever you gamble, whether its online of offline, because everyone who gambles experience losing. Though there may be theories on gambling, remember that these theories cant claim to give you wins most of the time.

There are, of course, strategies on how to increase your chances of winning and lessen the probability of losing. These tips can make you enjoy gambling more and minimize the loss of money when playing. The first tip is to never set an amount that you should win in a single day of gambling. Instead, you should set an amount of money that you should bet. It is also very important that you should never set an amount of money to bet that you cannot afford to lose. People who have done so have lost more and have even become addicted to gambling.

Always look at gambling as a form of entertainment. Truthfully, gambling is a lot of fun and is very exciting, but treating it as a way of earning money is a no-no. Gamble for fun and treat the wins that you get as a bonus and buy yourself something nice.

Happy gambling! If you want to gamble online then try Sportsbook.com. And if you want to get tips, you can checkout wikicasinogames.com!

Stuttering And Speech Therapy Ideas

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Stuttering (or stammering) is a voice disfluency, a speech disorder. When a person stutters, the normal flow of speech is disrupted by repetitions and/or prolongations of voice sounds. Frequently, an individual is also unable to start a word.

Child stuttering, toddler stuttering and adult stuttering are themes being studied by many scientists and speech specialists all around the world. The Stuttering Foundation of America, the National Stuttering Association, the National Center for Stuttering and individual speech therapists in general are all investigating why people stutter and finding effective and fast speech therapies.

Nevertheless, even though scientists have several theories and suspect a variety of causes for stuttering, the precise mechanisms causing this disability (also called stammering) are not understood. Some believe that many forms have genetic origins.

A common form of stuttering is neurogenic. Neurogenic stuttering arise from signal problems between the brain and nerves or muscles. In neurogenic stuttering, the brain is unable to adequately coordinate the different components of speech mechanism.

The disruptions of speech may be accompanied by tremors of the lips and/or jaw, rapid eye blinks and other movements. This disorder commonly becomes more severe when speaking in front of a group of people or on the phone. On the other hand, speaking alone and singing might generally improve it or disappear completely.

Over three million Americans stutter. Stuttering affects all ages, but most frequently, children between the ages of 2 and 6 are the most affected. Preschool and toddler stuttering are especially affected while they are developing their language. When they grow up, most of them improve or cure. One percent or less of adults stutters.

Many famous people stutter. Marilyn Monroe, Bruce Willis, Winston Churchill and Mel Tillis are only a few whose success was not impeded by stuttering. Their speech language issue did not stop them to excel and express themselves magnificently.

With these encoraging news about famous people succeeding in spite of their common issue, I end part 1 of these series of articles. Much more information can be found at a site dedicated to stuttering problems and resources, as well as a library of speech language pathology.

This is the end of Part 1 of Stuttering and speech therapy ideas. On next chapters I will be writing about different and effective therapies developed lately by researchers on the field of stammering or speech language pathology.

Kitchen Table And Chairs Every Kitchen Needs One

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By Jesse Akre

In today’s hectic world, it can be hard to find the time to spend with the people we love. Like, you have to take your son to baseball practice, your daughter to dance, and then grab your husband’s dry cleaning. Since your family’s life is so crazy, it is important to designate a chunk of time each day to be together and that is usually at the dinner table. So, you want that dinner time to be relaxing and to do that, it is essential to have a comfortable kitchen table and chairs set in place.

There are many kitchen table and chairs sets to choose from so you can find the perfect one for your space and your family’s needs. For example, maybe you have a larger family, a lot of young kids, and a big dining room. A great choice for you then would be a table that is larger in size, probably a long, rectangle table that has an extension feature to make it even longer and bigger if some unexpected guests should happen to stop by for dinner. Or, you might not have any kids at all in your family and have a fairly decent sized dining room. Sometime you like to entertain in it, but for the most part it is just you and your husband sitting down every night to a good meal. Then, a nice choice for you would one that has a round design that seats between four and six people or another nice option would be a smaller, square one too. With both table options, you can get comfy chairs to match. Like ones with plush, padded seats, and even armrests. Basically, there are many sizes and shapes available with the tables and other options include ones that have drop down leafs, some that are oval shaped, and many, many more.

[youtube]http://www.youtube.com/watch?v=uJ_xShh4yy8[/youtube]

Along with the different styles and designs of kitchen tables and chairs that you can get, they can also be crafted from a wide variety of materials. You can get ones made out of wood, like oak or pine, which would be a nice choice for if you have small children around. It is a surface that is easy to clean and maintain while being safe for kids to be around. Another material option is metal and glass. Like, you will see one that has a metal leg and base that supports a glass table top. This is a nice choice for people without kids, again, it is easy to clean and maintain, but sometimes glass breaks and that is not a good choice for small children. All of these materials are also available in a number of lovely finishes, which would really enhance the appearance of your dining space. If you want to check out all the different options that you could get, just hop on the internet for some online shopping.

So, in today’s hectic world, it is important for to set aside some family time each and every day. This usually happens during dinner, which is why you need a comfortable kitchen table and chairs set in your home. It creates a relaxing atmosphere that will have everyone excited about eating those family dinners.

About the Author: Author Jesse Akre shares information about adding

kitchen tables

,

wood kitchen table

and

kitchen table and chair sets

to your dining area.

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isnare.com

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Retirement Village In The Uk To Enjoy Rest Of Your Life

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Retirement Village In The UK To Enjoy Rest Of Your Life

by

Scott S Jones

When individuals talk regarding retiring and moving away, it is usual to think that they are referring to going abroad, perhaps to the south of France, or maybe to the gold coast in Spain. What many individuals do not know is that more and more people are moving to retirement villages in the UK, selecting to spend their last years in the rolling English countryside instead of trying to travel abroad. Although these types of villages, with different retirement homes and residential living, are fairly new to the UK, they have been common within the US for a few years, and many older people live there happily.

The point of retiring to a specially-build village in the UK is to provide yourself with the means to live alone, while still having help and support from the wider community. The latest UK retirement villages are often larger estates, containing both personal cottages and sheltered accommodation. The people living in these villages typically feel the requirement to live by themselves, but are worried regarding access to amenities. Living in retirement homes in these villages means that there are lots of shops, doctors and restaurants within walking distance. The residents of retirement villages could also get all of the other care and attention that they require, therefore if they need further in-home care than the community offers, they could have 24-7 live in staff or a home visitor on a daily basis. This offers retired people better freedom.

[youtube]http://www.youtube.com/watch?v=aPVhByOtBW4[/youtube]

One thing that needs to be considered is what sort of home the retired people will be buying. Most of the homes are either bungalows, or independent flats inside a sheltered accommodation setting. You should discuss concerns with the owner of the village, answering any concerns regarding the living arrangements. For instance, few retirement villages will not allow pets to reside in the homes. These rules can sometimes be challenged, or could be discussed in meetings with an aim to improving the lives of all the residents.

When you could have purchased your residence within the village, you can anticipate a variety of entertainments. As every village is a completely separate community, with its own facilities like hospitals, post offices, and libraries, you may still be able to go down to the village and take care of all of your wants, while popping into the village shop on the way back for any essentials.

There are a number of reasons why moving into a retirement village can improve your life once you have left your job, together with the extent of care and community that are not usually found in the rest of society.

Are you looking for retirement village information for yourself or family or friends in UK? Log-on to

retirementvillages.com

and learn what exactly is a

retirement villages

and how might that be of relevance to you.

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To Design A Website}

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Submitted by: Ramon Marshall86

Are you planning to design your own website but dont know where or how to begin? Well, you have landed at the right place. www.2createawebsites.com will guide you through a set of few and easy to follow steps which are guaranteed to make your task easier. So, whatever use youre planning to put your website to, whether it is a product you want to sell or a service you want to offer, you can now design a website just by following our easy steps.

Easysite Your all in one tool to design a website

If youre looking for a tool that can guide you through the whole process of creating a website of your very own, look no further. Easysite will instruct you in the following manne

How to create and online store for files

How to choose a domain name for your website

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How to select the most reliable web hosting company for your site.

How to install WordPress, a website designing software on your site

These steps will guide you to create your website or blog from the scratch. And the best part is even if you have no prior knowledge or experience about website designing, you can still make one by following these steps within a short period of time.

How to design a Website?

These are the basic steps you need to follow.

Select a Domain Name

The first thing that you do when starting any new task or creating any new stuff is to give it a name. That is exactly what a Domain Name is. Youre going to select a name for your website that people will end up typing in the address bar once your website is created. Come up with something that identifies your purpose for creating this website or your product and is unique yet easy to remember. After selecting it, get it registered. GoDaddy is a Registrar that is recommended by a large number of professional web designers.

Select a Web Host

Now that you have a Domain Name, you need a Web Host which is where your files will be stored and enabled to be accessed on the World Wide Web. You need to be careful with this decision as there are both good as well as bad hosting companies. To make your task easier, look for one that has the WordPress installation logo on it. Once youve installed that, all the files that you create will be automatically uploaded to your web host when you publish your page. People accessing your website will see these files as web pages. Select a web host that loads these pages fast and is not always down for construction so that people dont end up getting frustrated when they access it.

Install WordPress

You have your Domain Name and a Web Host. Now all you need is to create a website that you want and what better way to do it than by using WordPress. It is SEO friendly, which means your website is going to have a strong foundation on search engines. It has a large range of exciting themes that you can choose from based on what you want your blog to look like. It also gives you the choice to use a number of features like plug-ins, contact forms, social media buttons, etc.

Go ahead and design your own website now that you know what to do!

About the Author: For more info regarding how to create a website visit

2createawebsites.com/

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Should You Use Pre Assessment Test For Hiring An Employee Remotely?

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88% of organizations have encouraged to work from home, and 74% of companies plan to shift to remote work after the pandemic. A pre-assessment test will help recruiters to start paving the way to the future of recruitment: Remote HiringHiring an employee remotely through pre-testing is one of the most efficient ways of hiring suitable candidates. It not only upgrades the recruitment process, but it also benefits the organization to adapt to the new way of recruitment.Reduces Time To HireThe pre-assessment test is one of the essential metrics to track the success of the hiring process. The skill test reduces the time to hire, and fast-paced businesses always require immediate hires. Using the test method allows you to find the right talent and leads to reduce time to hire. The right candidate may stay in the market for an average of ten days, and if your hiring process takes 30-40 days, then you may miss out on good candidates. Using a pre-assessment test can speed up your hiring process and get the right fit for the position.Reduce Cost Per HireAccording to a survey, it costs $4000 for every new hire. And the cost may increase with the time you spend searching for new talent. Hiring an employee remotely through skill tests can enable the hiring process to save time and cost. With new tools and services in the market, take care of everything that recruiters do manually. Imagine the productive time your company can save to do other jobs. Instead of spending on multiple software for multiple positions, you can find the right software that does everything for you. It will save money from buying unnecessary software as well as save resources.Improved Candidate ExperienceEveryone is now tech-savvy. Hiring an employee for a remote location doesn’t mean filling out paperwork and getting on multiple calls and email threads. It may lower the chance of getting the right candidate. It is essential to opt for a candidate-friendly hiring process to get a better candidate. Having a digital and mobile recruitment process saves both your and your candidate’s time. Proving the candidates with a great hiring experience will also help improve your brand image and make you stand out among your competitors.Reuse Old DataHiring an employee for a remote location requires a lot of background checks. The pre-assessment test saves not only previous records of candidates but also their skill sets. Hiring a candidate for remote work may sometimes be a wrong decision for employers. However, using the same old data from the assessment test records may help your company find the right candidate you are looking for the position. It also enables recruiters to conserve time and energy on searching for candidates from scratch every time.