Borrowing money has become more and more popular in the UK over recent years, and this is partly due to the fact that it has become far easier to borrow money. The rising popularity of consumer finance has also been aided by the wide variety of deals and the low interest rates available these days. Secured loans have become very popular with those that own property, and this type of finance deal offers affordability and excellent value for money....more
There are many reasons why people get into debt - some of them self inflicted and some of them way outside of our control. Losing a job, illness or accidents, all of these can suddenly plunge one into unexpected expenditure, and often the only way to deal with the emergency is to use debt. There is a tendency, however, to keep on borrowing once you start. This is because the process becomes so easy - credit card companies and banks seem keen to...more
Your business is successful, but now your ready to take it to the next level and begin accepting credit card transactions, or you have already taken this step but your feeling that your merchant account provider has high fees and your not sure what to do, or what other providers are out there? You can save hundred's even thousand's of dollars per year by switching over to a new merchant. How is this so? Just in transaction fees alone if one provider is charging you 35 cents per transaction and another Merchant account provider charges 25 cents you are already saving 10 cents per transaction. If you process over 1000 transactions per month thats already $100 per month savings and over one year this amounts to $1,200. Merchant Accounts can make or break your business, whether it is online, retail, phone, mail, or wireless. Every Merchant Account provider has fees that can affect your business in different ways. We have compared the best merchant account providers currently in the business and we have detailed their fees so you know exactly how much you will be charged. If you would like to find out who our trusted merchant account providers are and a list of their fees you...more
You do your best to make sure your organization is operating as effectively as possible. But if your policies and procedures are incomplete, outdated, or inconsistent, then they are not driving the performance improvement they should. When employees try to use incomplete or undefined procedures, waste and costly errors soon follow.Case Study:...more
These days, people need to very carefully consider what type of credit card they will carry in their wallets. There are so many options out there, and each individual has different needs. Some of us tend to carry a balance, so we need a low interest credit card. Others pay off their card each month and so don't pay any interest. They are more...more
Here's a newsflash: Cover letters work, plain and simple. This is why I'm intrigued by the fact that a) jobseekers rarely submit them and b) hiring managers seldom read them. As a result, I started asking questions. Specifically, "What's your problem with cover letters?" Here's what I found out.Jobseekers claim all the pertinent information is included in the resume. Translation: "I don't know how to write an effective cover letter so I just scrap it." Hiring managers say cover letters serve no purpose. Translation: "Jobseekers don't know how to write an effective cover letter so I'd just as soon not be bothered."Top 3 Reasons Most Cover Letters Don't Work1. The one-size-fits-all method. Hiring managers are extremely jealous. Although they are aware you are courting other companies, they want to know that you at least care enough to hide it. Solution: Avoid form letters. Instead, customize each letter with the hiring organization and the position in mind. Here's an example."With over nine years of HRIS and human resources experience, I have had the opportunity to contribute strong, sustainable improvements within the HR functions,...more
Are you frustrated by the lack of growth in your firm, or the effort required to squeeze any up-tick in performance? Are inadequate policies and procedures a root cause? To find out, take this simple self assessment to see if this may be inhibiting...more
A common remedy for improving your time management is to develop the ability of saying, "NO." Since it is easier to recommend than to do, here are some tips on how to do it.1. Start with your own attitude. What is your self perception when you say,...more
Introducing new products or services, bringing new people on board, developing a new process or procedure, installing new equipment, change seems to be the one constant in business today and change always seems to drive a need for training. In...more
Consumer BorrowingConsumer borrowing in the UK has now crashed through the £1 trillion barrier. 80% of this is due to credit card borrowing, loans and mortgages. How are people managing to handle their debt and what effect is debt having on...more
What's REALLY potent for a business, non-profit or association manager is public relations' ability to alter individual perception leading to changed behaviors. And then, to persuade those key outside folks to the manager's way of...more
Day after day my in box, and I'm sure yours as well, fills with opportunity propaganda on how to make money. Do this, and poof, you're rich. Become an affiliate and sell my ebook, and poof, you're making lots of money. I don't...more