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Tomb of Shortest Reigning Emperor Sheds Light on China’s Imperial Past
Tomb of Marquis of Haihun
One of China's top 10 archaeological discoveries in 2015, the tomb has yielded the largest number of relics, boasting of the most variety and the finest craftsmanship in Jiangxi.
Dethroned after 27 days, the shortest reign among Western Han emperors, Liu He (92-59 B.C.), master of the Haihunhou Tomb, was banished as a commoner and later allowed to reside near a lake and given the title of the Marquis of Haihun. He died in his early 30s, reports People's Daily Online. Its reporting team visited the site and interviewed a leading researcher.
Such vicissitudes might have deprived his life of imperial glory, but the relics unearthed from his tomb tell a different story, revealing a dynasty's grandeur.
The tomb near Nanchang, capital of east China's Jiangxi Province, turns out to be the best-preserved Western Han Dynasty (206 BC - 24 AD) cemetery ever found, with the most integrated structure, distinct layout, and complete sacrificial system.
One of China's top 10 archaeological discoveries in 2015, the tomb yielded the largest number of relics, boasting of the most variety and the finest craftsmanship in Jiangxi.
Among the relics, including gold, bronze, and jade artifacts, archaeologists discovered a broken lacquer "screen" in the main chamber of the tomb and restored two portraits, one of which is believed to be the earliest portrait of Confucius ever found in China.
Also unearthed were more than 5,000 pieces of bamboo slips of Confucian classics, indicating the prevalence of Confucius' teachings among the royals more than 2,000 years ago. The Qi version of The Analects of Confucius, which had been lost for about 1,800 years, was found in the unearthed bamboo slips, which have been subject to infrared scanning and are ready for further study.
Liu was the grandson of Emperor Wu, whose reign ushered in a prosperous period of the Han Dynasty that is believed on par with the reign of the first emperor of the Qin Dynasty.
"To know Emperor Qin and his dynasty through archaeological artifacts, one can turn to Terra-cotta Warriors. Nevertheless, before the Haihunhou tomb, there were not many artifacts for an in-depth study of Emperor Wu," Yang Jun, a researcher at the Institute of Cultural Relics and Archaeology and a leading archaeologist, told People's Daily Online.
In Yang's view, the Haihunhou tomb shed light on the mightiness of the Han Dynasty as all treasures bearing the mark of the marquis had been buried with him.
The 4 million unearthed Wuzhu bronze coins, weighing more than 10 tonnes, attested to the dynasty's opulence. This finding is the first hard evidence of the Chinese using a string of 1,000 coins as a monetary unit, pushing the original date back 600 years.
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Original Source: Tomb of Shortest Reigning Emperor Sheds Light on China's Imperial Past
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Credello: How To Get A Personal Loan From A Credit Union In All 50...
Do you need a personal loan? Credit unions are a great place to start if you're looking for a short-term loan. In this post, we'll show you how to get a personal loan from a credit union in any state, plus a few tips for improving your credit score for personal loan prequalification.
Why use a credit union instead of a traditional bank?
A credit union is typically a locally-owned and -operated financial institution that primarily serves the needs of its members. This means that credit unions are more likely to have a personal loan program that meets your needs, especially if it somehow benefits the community. For example, many credit unions offer loans with lower interest rates and shorter repayment terms than those provided by traditional banks.
How to get a personal loan from a credit union
You'll first need to become a member to get a personal loan from a credit union. Membership typically means opening a checking or savings account with a small deposit, and you can join online or in person.
But before you become a member, shop around for the best loan rates. Credit unions typically have lower interest rates than traditional banks, so comparing rates is important before you commit to a loan.
Once you're a member, look for loans that fit your needs. Loans at credit unions come in different shapes and sizes, so it's essential to ask about the terms and conditions of each loan. Usually, you can borrow up to $25,000 at a time, though this varies based on the credit union.
You'll need proof of residency, income, and a minimum credit score to qualify for a loan. Proof of residence can be your state ID or a utility bill showing your name and address.
After you've determined the best loan for your needs, complete the loan application process. You'll typically need to provide your member ID, banking information, and the loan application form. The approval process may take a few days if you're not pre-qualified.
Once you've been approved, you'll then receive a loan agreement and payment schedule. Be sure to read and understand the loan terms before signing anything! Once signed and received, the loan will be transferred to your checking or savings account, typically within 48 - 72 business hours.
Don't give up hope if you haven't been approved for a loan. Many credit unions offer alternatives like borrowing through peer-to-peer lenders or getting a Home Equity Line of Credit. So don't be afraid to ask your credit union what's available to you.
How to improve your credit score to get pre-qualified for a personal loan from a credit union
If you want to get pre-qualified for a personal loan from a credit union, there are a few things you can do to improve your credit score:
1. Pay your bills on time. Your repayment history is the most significant factor that affects your credit score. Make sure to keep your bills paid on time, and don't accumulate too much debt.
2. Keep your account balances low. If you have high balances in your accounts, creditors may think you're likely to default on your loans in the future. If you cannot pay your balances off to lower your utilization, consider requesting a credit limit increase instead; just be aware that you may get a hard inquiry on your credit report. However, if you're approved, the increase in total available credit will more than cover any minor hit to your score caused by the inquiry.
3. Keep an eye on your credit score and immediately report inaccuracies. If you find any inaccuracies on your credit report, immediately contact your creditors or credit bureau to correct the information. This will help improve your score and make it easier to get approved for a personal loan.
The bottom line
Getting a personal loan can be helpful if you need money for emergencies or other unforeseen costs. Credit unions offer competitive rates and can help make getting a personal loan easier than ever. Just make sure you understand the loan agreement and do your research before signing on the dotted line.
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Carolina d'Arbelles-Valle
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+1 305 849 8443
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Original Source: Credello: How To Get A Personal Loan From A Credit Union In All 50 States
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Credello: A New Survey Finds This Is How Much Money You Should Have In...
Some Americans don't have any savings. These individuals or families may have to take out a personal loan for unexpected expenses. If they get blindsided by financial hardship, they might also ask to borrow money from a family member or friend if that's a viable option.
Virtually any financial expert will agree that you should put some money aside for emergencies if at all possible. That has been the case for years. The only thing that's different now is how much cash you should have in your emergency fund.
A survey has revealed the new minimum amount you should try to set aside. We'll talk about that number and its implications right now.
The Previous Emergency Expense Benchmark
For many years, financial consultants and other experts in the field said that you should try to have $400 set aside in an emergency fund. They warned families or individuals not to touch that money unless they had no choice.
However, most financial strategists feel that in 2022, $400 is not a realistic amount that should form the foundation of your emergency fund. They point to inflation as one of the main reasons why this number has changed.
What's the New Number?
There is a reputable financial services company called LendingClub. Recently, they partnered with PYMNTS, a financial news site, for a new study. That study surveyed households that had to deal with sudden financial hardships. They determined that the new amount you should try to set aside for an emergency fund is $1,400.
$1,400 might seem arbitrary, but it's based on research. That number represents the mean average of what a family or individual can expect to pay if they're faced with an unexpected financial hardship in 2022.
That hardship might be a car breakdown and the subsequent repairs. It may be a plumbing disaster or a medical bill. The amount you'll pay in one of these situations might be more or less than $1,400, but this survey reveals that's a realistic starting point if you want to have a minimum amount set aside for emergencies.
Why Does Having an Emergency Fund Matter?
If you don't have an emergency fund, financial experts say you're asking for trouble. You never know when a sudden expense will pop up. If your bank account is empty, you might have to borrow money from a credit card company if you don't have a family member or friend you can turn to for help.
Credit card companies often charge high-interest rates if you borrow money from them. Getting a payday loan isn't the best solution either, based on the fees that typically go along with that.
Now's the Time to Create an Emergency Fund
Virtually all financial experts and advisers agree that creating an emergency fund is something every individual and family should do. You can use $1,400, the number from this recent survey, as a jumping-off point. With that money readily available, you should feel immeasurably better about any sudden expense that arises.
Once you have that $1,400, you can also continue setting money aside, just in case you run into any expense that amount doesn't cover. Most financial gurus will tell you to have three-six months of possible expenses put away, just in case you lose your job or something similar occurs. That three-six months of expenses should cover your rent or mortgage payments, utility bills, grocery budget, etc.
It's noteworthy that in 2022, the minimum amount that financial advisers say you should set aside for emergency expenses has gone from $400 to $1,400. It's reasonable to assume that number will only keep going up as we progress further into this century.
Contact Information:
Carolina d'Arbelles-Valle
[email protected]
+1 305 849 8443
Press Release Service by Newswire.com
Original Source: Credello: A New Survey Finds This Is How Much Money You Should Have In Your Emergency Fund
