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Look For These Things When Getting a UK Secured Loan

Look For These Things When Getting a Secured Loan

Wisdom is needed when making choices in life… especially when making financial choices! Most people will be making constant choices as they put together a money managment portfolio to make sure they generate an income and give their loved ones peace-of-mind with insurance contingencies. Your portfolio, for example, may need to include insurance, investments, tax planning, estate planning, as well as retirement strategies. And you just might be shocked to learn that a financial portfolio can be bolstered with a UK secured loan.

It sounds strange, but for some people it’s absolutely true! In fact, many people are looking to UK secured loans to strengthen their financial position. But you cannot just go select the first loan that comes your way. There are three things you should look for when selecting the right UK secured loan to add to your financial portfolio.
The first thing you should look for is the amount of money you need. By shopping around, you may be surprised at how much money is available from lenders to people like you who are looking to add some muscle to their money. You should look at your budget as well as the amount of money you need to help you determine how much of a loan you should get.

The next thing you’ll want to look at is the repayment frequency. Is the loan supposed to be paid back every week? Every two weeks? Every month? For some people, the best option is to match the loan repayment with their payday schedule so that they can be assured that there will be money in the bank when it’s time to pay the loan down. One option some people are choosing is to set up a monthly repayment schedule but put more money down (perhaps once a week) which will get applied directly to the principal! Often, the repayment frequency will determine the amount due with each payment, so that may be a factor in helping you decide the repayment frequency. Perhaps a large, monthly payment is more difficult to make than several smaller payments in a month. You’ll have to decide the best option for you.

The last thing you need to consider is the interest rate. Many people simply ignore this completely because they feel that they have little control over prevailing rates at the time of the loan. However, with a little work and wisdom, you can manage your interest rates quite well. For example, some of the things you can manage when it comes to interest rates include the risk level of the recipient, the amount of money borrowed, and the period of time in which the money is expected to be paid back. Prevailing interest rates will determine the window of interest rate available. It’s up to you to find the best rate for you.

Now that you know the three things you need to look for, it’s time to go out and find the right UK secured loan for you. Be sure to shop around and you choose wisely from the selection you find.

My Clients Won't Pay Me What Now

My Clients Won’t Pay Me? What Now?

It happens, that’s all I can say. And in order to continue freelancing and work from the comfort of your own home, you’ll have to accept it. One of the biggest perks about working from home is being able to organize your time and dictate your own schedule. The biggest problem we will have…is sadly, payment.

If the project is already confirmed and better yet, if there are documents and agreements signed between you and client, you can safely pursue this client by dropping bomb-sized hints via email. The excuse of ‘My boss is harassing me about your payment’ is cannot be used because…you’re the boss! But you can say things like “I was just wondering….” Or “No rush but when can I expect the payment” or “My computer needs an upgrade and I plan to do it tomorrow. Can I get the payment soon?”. And perhaps, you can also say things like….”I heard a hurricane hit your State. How are you doing? I hope you’re doing well”. Sometimes, when you voice your concern about their wellbeing and health, they will start feeling guilty and pay you.

Telling the clients off won’t work too well in your favor because you still want their business, so, don’t tell them off. Maybe they are trying work some things out on their side or trying to get THEIR clients to pay them so that they can pay you. It’s true. Some clients are mere in-between people. And if this is the case, they may need to ensure that THEIR clients pay them so that they can pay you.

Whether their clients pay them or not…is not your concern. It’s got nothing to do with you. The work has been done and the job delivered on time. So, you SHOULD be getting your payment whether their clients run away or not! Remember that…and if your client gives you the same line….say, “I really understand and sympathize with you but…I can’t help you there! Now, when can I expect the payment?”

Send them an email every other day. If they don’t respond, your senses should be tingling by now. By the third time they ignore your email, say something firm but not nasty. If they still don’t respond, send them another invoice. Some payment processors like paypal, stormpay and ikobo allows you to send invoices to payors, so, do that. If this is already the fifth time you’re sending the email, send them repeated invoices every day.

By then, they should get the message.

Do You Mind If Someone Screams At You

Do You Mind If Someone Screams At You?

A headhunter was on the other end of the phone. He was looking for an assistant to a CEO/Owner for a small, but very successful business. Essentially, he wanted someone at his disposal night and day. That didn’t seem like a huge deal. And then the next question came…”Do you mind if someone screams at you?” As soon as I could get past the sirens going off in my head, and visions of Dilbert comic strips, I replied, “Yes, that’s not acceptable”. The headhunter continued, “Well, he probably wouldn’t call you names, but he’s a pretty hard driving guy and he raises his voice a lot”.

Yes, this is a true story, and it was my first conversation of the day today. It’s been enough to amaze and amuse me all day. Somehow I thought the days of screaming bosses were buried with the days of managing by intimidation. I guess I was wrong! I can’t help but wonder if this guy has even heard of all the work being done around emotional intelligence, or employee retention. Maybe he doesn’t read.

Message To The Screaming Boss…
Chances are, your employees have one foot out the door. They probably even spend a part of their working day reviewing emails and job postings at places like Monster.com.

You are missing out on significant amounts of information. Why? Because nobody wants to be “the one” to tell you. What you don’t know can hurt you.

Every time you indulge in a screaming frenzy your employees spend time telling each other, talking about you, and maybe even looking for ways to push your buttons. After all, you’ve become the entertainment.

If your employees have conditioned themselves to tolerate and even disregard your screaming, they’ve probably learned to not take it personally. After all, your hissy fits are about YOU, your huge ego, your insecurities, and your lack of desire to create win-win, mutually beneficial relationships.

If your company is successful in spite of the way you treat your employees, just think about how much more successful you could be if your employees loved to come to work every day.

And finally, “What is your screaming costing you?” I’m talking about in terms of dollars and cents. Think in terms of unproductive employees, the way your employees treat each other and customers, turnover, health benefits, and maybe even some employee sabotage.

The Bottom Line Is This…
Even the military is undergoing a huge initiative to become more emotionally intelligent. The drill sergeants of tomorrow will be very different than the drill sergeants of yesterday.

What could be different for you and your business if you stopped screaming and started treating people with respect and dignity?
It’s simply a choice you know.

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