Lost your Job? Experiencing a sudden or unexpected career change? Worried about your future? The emotional response to career change is similar to dealing with loss as characterized by Kubler-Ross.DenialThere are typically two stages of denial that occur with sudden or unexpected career transitions. The first stage is typically very brief. There may be a short suspension of belief in which it is hard to imagine that you no longer have that job....more
Sometimes our closest friends, family members, and even our spouse can be lobsters. Are you acquainted with any of these walking, talking crustaceans? You probably know lots of them, and you're in good company if you do. Almost everybody has at least a few in their phone book or Facebook friends list. If you want to experience great success in any part of your life, however, be aware of how much time to spend with them.What is a lobster?We're...more
For a society as complex as the United States, categorization is very important. From the legal area to the political, from the medical area to the academic, every field has categories. The area of finance is no different. One aspect of finance that is categorized is debts. There are two overarching ways that debts can be categorized: as unsecured, or as secured.Unsecured debts are debts that result from loans that are taken without any collateral. For example, someone may take a home loan without offering any property to the bank as a type of insurance that the loan will be repaid. Other examples unsecured debt are credit card debt, personal debt, medical debt, and commercial debt. Effectively, unsecured loans rest on a promise from the debtor to the creditor that the loan will be paid back. Because there is not collateral to ensure repayment of a loan, the interest rate for unsecured debt is usually very higher. People who cannot repay their unsecured debts face the prospect of legal action being taken against them. However, creditors may instead choose to work out a repayment plan with the debtors.The other type of debt is secured debt. Secured debt results from loans that do...more
In every business time is considered as gold. There are many company think of how they can save time because time is very important. Saving time is a ways of saving a lot of money too. This is true when it comes to their payroll department. Using a time card is a great waste of time, imagine if you have hundreds of employees with your company...more
Many contractors struggle with cash flow. Although this can be attributed to many factors, admitting you have a problem is the first step to recovery. Before you can take corrective action, however, you first need to understand where problems are coming from. That's where your construction software reports come in. Here are five reports that can be...more
Credit cards are considered to viaduct breach between desires and fulfillment, uneasiness for purchasing and smile for growing capability of acquire even with inadequate cash in hand. Since these synthetic cards came to soak, they have allured populace with their immediate financing compensation during the most complicated situations. Once a human being slips this shiny synthetic wealth into the wallet, his/her wallet obtains an superior power to fritter money either by accessing from an automatic telling machine or through direct deal by punching the card in place of money. Major sources to get these cards which allow instant borrowing of money are either banks or some private organization. Standard Chartered is one of those banks that are broadly outstanding and whose brushwood is increase universally across the world. Standard Chartered credit cards are enormously well-liked credit cards in and outside India with their diversity of customer centric plans, charge and profit.Standard Chartered credit cards, like the SBI credit cards, approach with a lot of offers which start with instantaneous endorsement capability. The bank has devised miscellaneous ranges of credit cards for...more
When people are looking to buy real estate the old adage is "Location, location, location." When you are looking to rent an apartment or other types of real estate that is also a major criteria. In addition to location there are other things to...more
The housing market has been affected by the economic crisis, property values falling fast. Millions of people are unable to meet their mortgage payments, have lost their jobs or are suffering a reduction of their income. These circumstances are...more
Instead of proceeding with the foreclosure action, most banks and lending institutions prefer to arrange a loan modification plan with the borrower. Thus, the terms of the loan will be changed and the borrower will be given a new chance to pay off...more
Even though most of these borrowers were warned about the risks associated with taking a loan, they failed to consider the actual possibility of anything wrong happening. They found themselves in a situation where money was scarce and defaulting on...more
Author: sharma infowayGlad to know that you are a businessman with a great desire of developing your business. Before speaking some final words, I would like to ask you some important questions. Do you wish to have an inexpensive but effecting ways...more
Author: Dave JalesThe world's economy is in free-fall. Times are tough. Through personal experience I know it is pointless to blame the crashing economy, inflation, soaring gas prices, rising food costs and the ever-increasing property rentals and...more