| How to Say Thank You in French Posted: 11 May 2016 05:00 PM PDT The simplest way to say "thank you" in French is the basic "merci," but there are actually several ways to express your gratitude. Scroll past the jump to learn some of the most helpful. EditCheat Sheet EditBasic Thanks - Say "merci." This is the standard, most basic way of saying "thank you" or "thanks" in French.
- Merci can be used in both formal and casual settings. The spelling and pronunciation remain the same in all settings and do not change based on who you thank.
- The pronunciation of merci is mare-see.[1]
- Add "madame" or "monsieur" after it. If you want your merci to sound a little more formal, you could address the other person as "madame" or "monsieur" after expressing your gratitude.[2]
- Madame, pronounced mah-dahm, is a polite way to refer to a woman.
- Monsier, pronounced mer-syer, is a polite way to address a man.
EditAdding Emphasis - Use "merci beaucoup." This phrase means "thank you very much" or "many thanks."
- Beaucoup means "many," "much," or "a lot."
- You would pronounce the expression as mare-see bow-koo.
- Switch to "merci bien."This is another expression used to say "thank you very much."
- Bien is usually used to mean "well" or "good," but it can also mean "very." A stricter, more literal translation of this phrase would be "well thanks" or "very thanks," which does not make much sense in English. In this French expression, however, bien is being used to express emphasis on the strong nature of the thanks.
- The standard pronunciation of this expression is mare-see bee-ehn.
- Express extreme gratitude with "mille fois merci." This expression roughly translates into "a thousand times thanks" or "thanks a thousand times."
- Mille is the French term for "thousand." Fois is the French term for "time."
- You could also drop the fois, leaving the phrase as "mille mercis," or "a thousand thanks."
- Pronounce the expression as meal fwah mare-see.
EditFull Sentence Format - Tell someone familiar "Je te remercie."[3] This translates to "I thank you."
- Je is a first person singular pronoun meaning "I."
- Te is a second person pronoun used to indicate that you are speaking to someone you are familiar with. It can be used with friends and family.
- Remercie is a conjugated form of the verb "remercier," meaning "to thank."
- The standard pronunciation of the expression is zhuh tu ray-mare-see.
- Switch to "C'est vraiment gentil de ta part." This expression means, "It is really kind of you."
- A slightly more literal translation would be, "This is really nice on your part."
- C'est means "this is."
- Vraiment means "really."
- Gentil means "nice" or "kind."
- In this phrase, de means "of."
- Part means "share" or "part," and ta means "your."
- You would pronounce this expression as seh vreh-men duh tah pahr-ha.
- Tell someone you do not know well "Je vous remercie." This is a more formal, less familiar way to say "I thank you."
- As before, je means "I" and remercie means "thank."
- Vous is a more polite way to address someone in the second person "you," so this phrase is generally used with strangers and elders.
- Pronounce the phrase as zhuh voo ray-mare-see.
- For further emphasis, you could also say "Je vous remercie de tout cœur," meaning, "I thank you from the bottom of my heart."
- Express formal written thanks with "Je vous adresse mes plus vifs remerciements." This expression is often included in formal letters and means, "I send you my most sincere thanks" or "I send you my warmest thanks."
- Je means "I" and vous means "you."
- Adresse means "address."
- Mes is a possessive pronoun meaning "mine" or "my."
- The phrase plus vifs roughly means "deepest" or "more vivid."
- Remerciements mean "thanks."
- Pronounce the expression as zhuh voo ahd-ra-ess me ploo vif re-mare-see-moh.
EditReplying to Thanks - Respond with "de rien." This is the most general way to say "you're welcome" and can be used in nearly all settings.
- Literally translated, it means "of nothing." De means "of" and rien means "nothing."
- Pronounce the expression, dah ree-ehn.
- Say "il n'y a pas de quoi." This is another way to say "you're welcome" or "don't mention it."
- The literal translation is fairly rough and may not make much sense in English. Il means "it," n'y means "there," a pas means "not," and de quoi means "whereof."
- The general pronunciation of the expression would be eel nyah pah der kwah.
- Answer "ce n'est rien." The most literal translation of this phrase would be "it is nothing."[4]
- Pronounce the phrase as su neigh re-ehn.
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| How to Treat Anemia Posted: 11 May 2016 09:00 AM PDT If you've felt fatigued or unusually exhausted, consider whether you have anemia. Anemia is a medical condition where your body does not have enough red blood cells to function properly. Whether your body isn't producing enough red blood cells, red blood cells are being destroyed by your body, or the anemia is caused by another medical condition, see your doctor for a diagnosis. While you'll need to follow the specific treatment regimen provided by your doctor, you may also need to take supplements, change your diet, and use medications. EditUsing Dietary Changes and Supplements - Increase your iron intake. If you take an iron supplement as directed by your doctor, you should be able to improve your iron levels over time, which may treat anemia caused by iron deficiency. There are some side effects from iron supplementation, including dark stools, stomach upset, heartburn, and constipation. If your anemia is mild, your doctor may just recommend that you eat more iron-rich foods. The following are good sources of iron:[1]
- Red meat (beef and liver)
- Poultry (chicken and turkey)
- Seafood
- Cereals and breads fortified with iron
- Legumes (peas; lentils; white, red, and baked beans; soybeans; and chickpeas)
- Tofu
- Dried fruits (prunes, raisins, and apricots)
- Spinach and other dark green leafy vegetables
- Prune juice
- Vitamin C helps your body absorb iron, so your doctor will likely recommend that you drink a glass of orange juice or consume foods high in vitamin C along with your iron supplement.[2]
- Take vitamin B12. If your anemia is caused by a vitamin deficiency, take a vitamin B12 supplement if your doctor recommends it. Most likely, your doctor will give you a vitamin B12 injection or pill once a month.[3] This will allow your doctor to monitor your red blood levels and determine how long treatment is needed. You can also get vitamin B12 from food. Foods high in vitamin B12 include:[4]
- Eggs
- Milk
- Cheese
- Meat
- Fish
- Shellfish
- Poultry
- Foods fortified with vitamin B12 (like soy beverages and vegetarian burgers)[5]
- Get more folate (folic acid). Folic acid is another B vitamin that is needed for proper blood cell growth. A folate deficiency can cause anemia, so your doctor will most likely recommend a supplement dosage to treat your condition. If your symptoms are moderate to severe, you may be given folate injections or pills for at least 2 to 3 months.[6] You can also get folate from your diet. Foods with high levels of folic acid include:[7]
- Bread, pasta, and rice fortified with folic acid
- Spinach and other dark green leafy vegetables
- Black-eyed peas and dried beans
- Beef liver
- Eggs
- Bananas, oranges, orange juice, and some other fruits and juices
- Limit your alcohol intake. Alcohol can keep your body from producing blood cells, create defective red blood cells, and prematurely destroy your blood cells. While an occasional drink won't do any lasting damage, repeated or heavy drinking can cause anemia.[8][9]
- If you're already anemic, take care to limit your alcoholic intake, since it will only make your condition worse.
- The National Institute on Alcohol Abuse and Alcoholism recommends no more than 1 drink per day for women and no more than 2 drinks per day for men as "moderate" consumption.[10]
EditUsing Medical Treatments - Get blood transfusions. If you have severe anemia from a chronic disease, your doctor may recommend blood transfusions. You'll be given healthy blood that matches your own via an IV. This is done to give you a large amount of red blood cells immediately. The transfusion will take between 1 and 4 hours to complete.[11]
- Depending on the severity of your condition, your doctor may recommend regular blood transfusions.
- Take iron reduction pills. If you're getting frequent blood transfusions, your iron levels may build up. High levels of iron can damage your heart and liver, so you'll need to reduce the amount of iron in your body. Your doctor may give you an injection to reduce iron levels or will prescribe a medication.[12]
- If prescribed a medication, you'll need to dissolve the tablet and drink the solution. Usually, this treatment is needed once a day.[13]
- Get a bone marrow transplant. The marrow inside your bones contains stem cells, which develop into blood cells that your body needs. If you have anemia caused by a failure of your body to develop functional blood cells (aplastic anemia, thalassemia, or sickle cell anemia), your doctor may suggest a bone marrow transplant. The stems cells will be injected into your bloodstream and from there they'll move to your bone marrow.[14][15]
- Once the stem cells reach your bone marrow and graft on, they'll begin to create new blood cells, potentially treating the anemia.[16]
EditRecognizing Symptoms of Anemia - Identify symptoms of mild anemia. Some people's symptoms are so mild, they may not realize it, but there are identifiable subtle signs of anemia. If you have only mild symptoms, schedule an appointment with your primary care provider. Mild symptoms include:[17]
- Fatigue and weakness since your muscles aren't getting enough oxygen.
- Shortness of breath, which is a sign your body needs more oxygen. You may only notice this when doing a physical activity, if your anemia is mild.
- Pale skin because you lack enough red blood cells to make up the red hue of your skin.
- Recognize symptoms of severe anemia. Severe symptoms are signs that more of your organs are affected by the decreased oxygen in your bloodstream and are trying to circulate more blood through your body. These also indicate that your brain is being affected. If you have severe symptoms, see a doctor as quickly as you can. You may want to go to urgent care of the emergency room which can assess you sooner. Severe symptoms include:[18]
- Dizziness
- Headache
- Decrease in cognitive ability
- Fast heartbeat
- See your doctor for a blood test. Your doctor will confirm anemia with a simple blood test called a Complete Blood Count, which determines the number of red blood cells your body has to see if they're too low.[19] Your doctor can help you figure out if your anemia is acute or chronic. Chronic means it has been going on for a while and that you are in no immediate danger. Acute anemia means it is a new health problem and that the problem should be identified quickly to prevent progression to something more dangerous. Once a cause is determined, the correct treatment can be started.
- Your doctor may also order a body imaging scan (like a CT or MRI) or more advanced blood tests. If all tests are inconclusive, a bone marrow biopsy might need to be done.[20]
- Experimental drugs are an option for people suffering from severe cases of anemia. Always make sure to speak with your doctor before taking any trial drugs or participating in a clinical experiment.
- Don't take antacids at the same time as you take iron supplements. Antacids can interfere with your body's ability to absorb iron.[21]
- If you have very heavy menstrual flows, this could be contributing to your iron deficiency anemia. Your doctor may recommend hormonal contraceptives to lighten your periods.[22]
- If your doctor diagnoses you with anemia of a chronic disease (like cancer, HIV, or inflammatory diseases) or aplastic anemia (a very rare form of anemia), you'll need to work with your medical team. In many cases, treatment of the anemia is also dependent upon treatment for the other conditions.[23]
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| How to Become a Loan Originator Posted: 11 May 2016 01:00 AM PDT A loan originator connects potential borrowers with lenders. Loan originators may work on car loans, student loans and other debt. The majority of loan originator jobs involve home mortgages. As a loan originator, you help the borrower complete loan applications and assess which loans are most appropriate for the customer. Learn how to become a mortgage loan originator for a rewarding career in the finance industry. EditGetting Hired by a Lender - Understand what loan originators do. A loan originator gathers all of the required loan documentation from a borrower. This includes a completed loan application and a credit report. The originator helps the borrower determine the right type of loan for their needs. A loan originator works with the underwriter to get the loan approved.The underwriter makes the decision about loan approval.[1]
- Obtain the proper registration. If you want to work at a covered financial institution, you will need to register as a federal mortgage loan originator. For all other companies, you will need register as a state-license mortgage originator.[2]
- You can register both through Nationwide Mortgage Licensing System and Registry.[3]
- Consider the skills you'll need to succeed as a loan originator. The process of applying for a loan can be stressful. You'll need good people skills to help borrowers feel at ease. Many loan originators work with a small salary and on commissions. Others work exclusively on commission income. Successful loan originators are good salespeople. They are willing to work long hours to find customers who need loans.
- Interview with a lender. To become a mortgage loan originator, you need to be hired by a lending institution. Banks and credit unions provide mortgage loans. You can interview with small, local lenders or large national institutions. Mortgage lenders may be subject to both federal and state lending laws. Commercial loan originators are often freelance and package loans to multiple institutions.
EditWorking with the Federal Mortgage Registry - Determine how your employer operates. To properly register as a loan originator, you need to know how your employer operates. Most lenders are federally chartered or insured institutions. If your company fits this description, you will use the Federal Registry Resource Center to register.[4]
- Understand federal lending laws. Federally chartered or insured institutions must comply with two primary sets of rules. The Consumer Financial Protection Bureau (CFPB) exists to protect borrowers from unfair lending practices. The SAFE Act enhances consumer protections by setting minimum standards for state-licensed mortgage loan originators.[5]
- Use the NMLS system. Individuals who meet the definition of a mortgage loan originator may have to register using the NMLS system. This system is required for loan originators who are employed by a federal agency-related institution. You can confirm the type of institution with your employer. The primary document you will complete for registration is a Form MU4R.[6]
EditCompleting the Form MU4R - Review the form. The Form MU4R is submitted through the National Mortgage Licensing System and Registry. The form is completed by either the employing institution of the individual loan originator. An loan originator answers questions about personal and employment history. The individual must also answer questions about any past legal issues or industry disciplinary action.[7]
- Get your NMLS log in information. Wait for your employer to create your account at NMLS. When they do, you'll receive a user name and password. Change the user name and password.
- Fill out the form. Your form must be initiated, then filled out completely. Once the form is complete, it needs to be submitted. Either the employer or the loan originator must pay a fee when the form is submitted. If the employer initiates the form, submits the document and pays the fees, the loan originator must attest that the form is correct.[8]
- Check on your state's requirements. Review the NMLS website find your state's licensing requirements. If you register through only through your state, you will complete Form MU4. Agencies within your state may also require you to apply for a specific license. The license you need will depend on how your employer operates. Banks, credit unions and independent mortgage companies may each have a different state licensing process.[9]
EditComplying With Professional Standards - Meet the testing and continuing education requirements. The SAFE Act requires all state licensed loan originators to pass a written qualified test. The loan originator must also complete pre-licensure education courses and take annual continuing education courses. Use the NMLS site to find the specific requirements for your state.[10]
- Complete the criminal background check (CBC). Every loan originator must complete the CBC. Form MU4 (state licensing) and Form MU4R (federal licensing) require a CBC Authorization Request. This request gives the licensing officials permission to perform a background check.[11]
- Schedule a fingerprint appointment. Once the individual or employer has paid for the CBC request through NMLS, the loan originator must schedule a fingerprint appointment. If you have provided fingerprints within the last 3 years, you have already met this requirement. Fingerprints must be taken within 180 days of the date they were scheduled. The FBI reports the results to the NMLS system with 48 hours of submission.[12]
- Determine your testing requirements. The SAFE Act provides a Uniform State Test that many states have adopted for their loan originator licensing process. If your state has adopted the UST, you will take the National Test Component with Uniform State Content. States that have not adopted the UST may have other testing requirements.[13]
EditStarting Your Career - Understand how loan originators manage their office. Many states allow loan originators to operate from a home office. That's because a growing amount of work in this field is transacted over the Internet.
- If you choose to set up a home office, make sure that you have a separate business phone line, as well as high speed Internet.
- Whether you work in an office building or at home, you'll spend a great deal of your day on the phone or online.
- Keep in mind that customers are better informed about loans than ever before. Most customers shop for loans by doing research on the web. Your fees and level of service must be good to secure their business.
- Work to find customers and meet their needs. Your business objective is to find customers who need loans. Once you locate a potential borrower, you manage the process of applying for the loan. Your last step is to work with an underwriter to get the customer's loan approved. You are paid a commission based on the dollar amount of the loan.[14]
- Find referrals and leads. As a loan originator, you may work for a commercial bank, credit union or a mortgage company. Your primary sources of business are leads and referrals.
- You may get leads from your employer. Say that a banker, for example, finds out that a customer is interested in a mortgage loan. That banker can refer the client to a loan originator at the bank.
- Real estates agents are another great source of business. As an agent finds interested homebuyers, they can refer those clients to you for a loan.
- Your best referral source is a satisfied customer. It's critically important to provide a high level of service to your clients. If they like their experience, they may refer other borrowers to you.
- Fees submitted for the NMLS are nonrefundable.
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