Economy

How Are Secured Personal Loans Better Than Unsecured Personal Loans?

A personal loan is one wherein the borrower receives consumer credit for personal use. There are two different kinds of personal loans. When secured personal loans are applied for, the borrower has to pledge an asset to the lender, which will serve as collateral. When the borrower fails to make payments, the lender has the right to repossess the asset and sell it to regain the money for the debt. On the other hand, an unsecured personal loan does not require any collateral to hold up the debt.

But how can a secured personal loan better than an unsecured loan?

read more

Business

How to Consolidate Loans Easily

Lately, if you have opened your mail or watched TV, you will know that there are a number of companies out there eager to help you in consolidating your loans, lowering your interest rates, cutting your debt in half and helping you get rid of your debt quickly. Indeed, it makes perfect sense for people to consolidate all their high interest loans as well as their credit card debt into a single loan that offers more manageable payments with a low interest rate. However, it is essential for people to proceed with caution when they decide to consolidate loans if they don’t want to end up paying far more than necessary. Here are the steps they can follow:

read more

Careers

5 Ways to Effectively Promote Workplace Diversity

With over 36 percent of the individuals in the workforce being people of color and being that the internet makes it possible to do more international communicating than ever, diversity is becoming something that more and more companies are seeking to establish within their own offices. Not only does this reflect the signs of times, but there are also various studies to support the fact that the encouragement of diversity also makes for a more productive professional atmosphere as well.

Business

Corporate Event Trends: Top Ideas for 2014

Along with so many features of the event planning and experimental marketing industries, the face of client and corporate entertainment has changed significantly over the last decade. Whereas formal evening gatherings and gala dinners dominated this market space in previous years, increasing competition in the events industry has created a host of new and creative ideas for brands to treat their most discerning of clients. While traditional event formats are still widely used, businesses today have a far greater range of options in terms of organizing client entertainment and networking with potential collaborators.

read more

Business

Weighing the Pros and Cons Before Starting a Construction Business

Starting a construction business is unlike starting any other kind of business. The reason why it is such a challenge is because there a lot of startup costs involved. Indeed, it can be quite costly to start any business, but construction takes the cake – not only do you need expensive permits, but you also need heavy duty tools and machines to complete your jobs. When it comes down to it, though, if you have the startup capital – perhaps from an investor or a pooled source of startup cash – starting a construction and building company can actually be quite rewarding. Here are some of the pros and cons of starting a construction business.

read more

Business

Company Car Vs. Car Allowance: Which Is Right for You?

Many companies, especially those that require employees to travel long distances by car, will offer employees two options: a company car or a car allowance. Both provide pros and cons for the company and for the employee. As an employee it is important that you consider your particular circumstances while weighing the pros and cons of each option. Here are some things you consider when trying to determine if a company car or a car allowance will be right for you.

Business

How To Stop Spam Callers


Spam code callers, those phone calls where the person at the other end is trying to gather information, sell you something you don’t need or worse still, con you out of your hard-earned money, can be a pain at the best of times.
 

But for vulnerable people, these calls are more than a nuisance; they can be a genuine worry. If someone you know is being harassed or has the potential to fall victim to spam callers, they need to be protected. Following the tips below will help to keep nuisance calls to a minimum.

read more