Loans For Those With Steady Income

Two options are usually available for those who want to get a quick loan, even with poor credit. These options usually include payday loan places or professional services that specialize in loans of this type. Professional lenders can often be found online and in person, although most payday loan facilities will require in-person visitations.

Payday loan places are a popular choice for many individuals, mainly because most very rarely require any financial backgrounds checks in order for a person to get a loan. In some cases, the same can also be said for certain private lenders. However, many places will typically include certain fees and procedures in order to make up for the lack of background checking.

Even though most lenders won’t require a credit check, they will often want some form of collateral. This helps to safeguard the lender in the event that you don’t pay back the loan that you’ve borrowed. In many cases, they may also require individuals to ave a bank account, since they will usually ask for a personal check written in the amount that you will owe them.

Aside from measures that a company might take to safeguard themselves and the money that they’ll be lending you, most will issue small fees. These fees act as incentive for the loan to begin with, and often fall under a certain percentage, which is most often based on the amount that you borrow.

Generally, a quick loan will usually need to be paid back sooner than a regular loan. For instance, payday loans are frequently due around the time a person is paid, or within a few short weeks. A private lender may have different timescales to work around, and some may be willing to work with you on this note.

In some situations, you may be able to negotiate certain terms with a lender, although this can vary on a case-by-case basis. Due to this, it may not be a bad idea to see how they might be willing to work with you, particularly if you’re on a tight budget.

Why a Website Is So Important for a Small Business

Having a website provides numerous benefits, many business owners say they wouldn’t be in business without their website!

David Negri, owner of Hampering Around enthuses “our website is our window to the world… our online storefront powering our 400 square metre warehouse and office.” Wouldn’t you like to feel as excited about a business asset as this?!

Many benefits are obvious, yet still worth stating as the simple is often what is overlooked, including:

To be considered and to be competitive – don’t be left out when a customer is searching for a provider and your main competition has a website and you don’t.

To act as an information resource and to help customers know more about your business, help them ‘qualify’ themselves as needing your products or services (much more efficient than taking enquiries and explaining the same thing about what you offer over the phone or face to face).

Enabling customers the convenience of engaging services online is an expectation of most consumers nowadays and Julie Sweet of CertificatesOnline has tapped into this need by providing access to birth, marriage and other official certificates through an online service, supported by 24×7 phone help. Julie acknowledges “I wouldn’t have the business I run if it wasn’t for our website.” The service they provide is so critically about convenience for their customers that they couldn’t offer this benefit without effective website interaction for customers.

Website business work is extremely flexible as Richard at Property Geek says “I can work on my business anytime, anywhere, as long as I have web access”.

A website can profile you globally as Kylie Saunder from Pilates YogaBiz says “without a website I wouldn’t be able to have an international business presence” and the 24×7 nature of a website overcomes timezone issues with global customers.

For businesses with a market niche, such as the toy train etailer TootTootToys, “having a website is critical for the small niche market I service, it is my shop and my gateway to customers.” Many specialist businesses have flourished in the online world that would never make it in the retail dependent world because they can simply be ‘open’ to such a wider market and not restricted by physical demographics of customers.

Attracting business opportunities from all walks of life has seen the brand and business profile of organic foodie Samantha Gowing flourish, not least through the profile and reach enabled by her website.

Are You Creating Value For Society?

What is value?

One characteristic shared by all human beings is the desire to be happy. For me, creating value simply means providing a service or a product that helps people improve their life and become happier. Why create a company if it’s not to help people improve their life?

I’m not a materialistic person and I don’t think that material things can contribute significantly to people’s happiness but let’s assume that it does.

Even with this broad definition of value, we can find many products or services out there that are not creating value.

For instance, let’s take the tobacco industry. Can we say it is creating value?

To know if a product or service is creating value we just need to ask ourselves the following question:

“If this product/service did not exist would the world be worse off?”

If you’ve never smoke, you will never feel the need to smoke and we cannot possibly say that if tobacco did not exist you would be less happier.

If your company is not creating value, and if you agree with my definition of value, it means that, unfortunately, you too are not creating value. It doesn’t matter if you work 80 hours a week or if you are the most talented employee in your company, you are not creating value since your work is just a small contribution to the products or services that your company is creating. And your company is not creating value.

The meaning of value is subjective but just assume that a company is objectively creating no value. How many people who work in that company would sincerely believe that their company is actually not creating value? Probably very few and there is a reason for that.