When a business is first starting out, the owners usually make a business plan of the way they want their company to pan out. However, as more work comes through and more time is taken up, it can be tricky to keep on top of updating your plan to adapt to new situations. Most businesses undertake a SWOT analysis or risk assessment of their company to begin with as well. It is vital to stay on top of these exercises and review your organisation on a routine basis so that nothing is missed. Plan ahead! We often this of risk assessment as being associated with health and safety, where the aim of the...
If you are thinking of improving your credit score, there are steps you can take to do so, but you must be aware that improving credit takes time and there is no easy or quick fix for bad credit. It can be helpful to remember that it took time for you to get into the situation where you have a bad credit score, so it will also take time to get yourself out of this situation. There are many companies out there who claim that they can fix your credit or remove bad credit ratings or negative credit items from your report. It is important for you to know this is false advertising. The only way to improve...
It’s interesting how, as a presidential election approaches, certain key issues almost invariably come to the fore. For example, many of you have probably been hearing a lot about taxes, with the Obama administration even proposing a Buffett Tax on those making over a $1 million a year to collect even more from the rich and close the budget gap. Now, my goal here is to stay apolitical and not take sides on this pretty divisive issue. One Point of View On the one hand, there are the top 10% earners – those who make above approximately $113,000 – who say that in absolute dollar...
The economic recession has hit many parts of the world rather fiercely. In many households across the US, with little to no savings to fall back on, an unexpected expenditure can only be met by availing of a short term loan. Individuals in such circumstances avail of the payday cash advance. However, many financial gurus have come out against the payday cash advance facility – and quiet strongly at that. One Reuters story equates sanctioning of the payday loan with giving a “suicidal person a noose”. Another article describes the payday cash advance as ‘legalized extortion’....
Having a eco-friendly office space is a great way to save money while saving the environment as well. The office is one of the hardest places to go “green”. In fact, according to Time.com “heating, cooling and powering office space are responsible for almost 40% of carbon dioxide emissions in the U.S. and gobble more than 70% of total electricity usage.” The following are a few ideas to help reduce your office’s carbon footprint and unnecessary waste: Implement green office behavior and policy. Encourage employees to bring their own lunches and drinks in reusable...