Late Night Payday Loans

Some people have not heard of payday loans and what they are, these are the type of loans designed to be repaid in an extremely short period of time. Normally, the approval process for these loans is quite easy, simple direct deposit funding, less paperwork and less aggrivation. Due to these benefits, these payday loan companies distinguish themselves from banks and may even make the conventional banking system look too bureaucratic. First, their selling point is really about the speed. There are payday loans which can approve you in just about 20 minutes. Having to wait for a whole day is already too slow for the payday loan process. If you are in need of urgent cash and fully believe you can repay on time, then a payday loan may be the answer to your quick cash needs.

Second, these lenders are much more accessible. They work past the ordinary banking hours, which is often less than a full work day. So even if its late at night, you can still go to a loan company that is open and borrow the funds you urgently have to have. Moreover, these companies are often located in areas that are more convienient than most banks. Now that people can get cash even outside of banking hours and closer to home, it is no wonder why payday loans are such big hits.

And if thats not enough, there are also a lot of online payday loan institutions, which makes it so much more convienient to borrow money. Imagine, even when every loan company on the block has already closed because its the wee hours of the night, you can still apply for a loan, and get the money when you wake up later.
The approval for payday loans is easier because they ask less from you. They wont demand collateral and they wont need to check your credit standing, unlike banks. This last factor seals the deal for most payday loans. All of these things make up for the strong niche built by the payday loan industry.

Small Business Cash Advance to Expand Your Business

There are some instances those small businesses run out of cash to
fund a current bill, expansion or paying some suppliers. Being not
liquid in business is pretty normal but if this happen when there is an
unexpected bills to pay or opportunity for investment there are some
institutions to go to like traditional loans or government grants. But
though these are good sources of funds it may take time to get the funds
and often times you will need a lot of papers to accomplish and submit.
These loan firms and government institutions may require you to leave
collateral for your loan and these are some things you cannot wait since
time in business is definitely money. Hence; small business owners make
take advantage of the small business cash advance.

Like any other loans, small business cash advance
should be well-planned and thought of since this is an interest bearing
loan and interest meter is running the very moment you take out the
funds. But if you have a solid business plan on where you will use the
money then there is no reason why you shouldn’t opt for this one.

I have listed below the advantages of Small Business Cash Advance that you can ponder when you avail this for your small business.

Running a
small business is not for the faint hearted but for those who are
willing to face even the hardest turbulence. It is just a matter of
thinking and planning well and contemplating on the opportunity costs of
business decisions. And like any other loans, small business cash advance should be used wisely to expand your business properly.

Benefit from the best in Financial Planning Services

People don’t set budgets for themselves to make their lives miserable and not fun. Instead, they use a budget for just the opposite. A financial plan or budget is simply a guide to help manage your money and spending. We all have a job and some kind of income, and all of it is usually used on expenses. Without properly distributing income for the proper expense, an important bill may be overlooked and fall short. The overall goal for creating a financial plan is to lay a foundation down for the proper allocation of income required to cover each expense.

A well thought out financial plan offers nothing but benefits to you. You can do it yourself or hire a professional if you don’t think you are up to the task. No matter which you choose, remember to do it the right way and take full control of your situation. A good financial plan can turn around your financial outlook and hopefully nip some problems, like bad debts or past mistakes, right in the bud.
Compile a list of short and long-term goals. Things such as vacation plans, purchasing a new house, buying a new car and others that would require you to make a large investment should be included in this list. Think of a variety of different reasons that would affect your life and why financial planning and saving can benefit your life. The better direction and defined goals you have, the easier it will be to meet them.

Having a sound financial plan is also a great way to protect you and your family in times of hardship. You never know what the future holds. Something like an accident, job loss or a natural disaster can occur at any moment and change your life for the worse. A sound financial plan allows you to alleviate this burden and enjoy today without worrying so much about tomorrow. This kind of protective financial planning covers everything from life insurance to an emergency savings account.

Don’t let your debt take control of your life. The main benefit of good financial planning is the opportunity for you to take control of what you owe. You need a sound plan to decide how to allocate your money where it is most needed if you ever want that debt off quickly.

Another great way to use sound financial planning is if you are planning on starting your own new business. In order for you to become approved by a bank for that all important business loan, you’re going to need a business plan which includes a section for your financial planning. In order for you to spend your new business’s money wisely, you will need a well structured budget.

Pick out a set time of the month and regularly go over your plans. As you move closer to debt relief or as your business grows, your financial standings and plans will change and need to be revised. Don’t be afraid. Revising your plan is normal and should be encouraged. As long as you keeping your working on that final goal of yours, taking a different plan of action is fine.

Employment Grievance Procedure Illustrated With Chagger V Emilio Botin Abbey Banco Santander Group

An employment grievance is an issue, complaint or concern over employment rights that the employee brings to the attention of his employer. The grievance may be about such things as employment terms and conditions, health and safety, equal opportunities, organisational change, work relations, working environment, bullying and harassment, and new working practices.

The UK employment grievance procedure is illustrated here with the high-profile Court of Appeal employment race discrimination case Chagger v Abbey National plc & Hopkins (2009), in which an Employment Tribunal made findings of breach of contract, unfair dismissal and race discrimination, and ordered Emilio Botin Abbey Grupo Santander share price to pay Mr Chagger the record-breaking financial compensation of 2.8 million to cover his loss (Emilio Botin Abbey Santander banking group had refused to reinstate Mr Chagger as ordered by the Employment Tribunal).

Abbey Banco Santander share (the UK high-street bank being re-branded as Santander shares price, and being part of the international Banco Santander Central Hispano Group) dismissed Balbinder Chagger from his Trading Risk Controller position in 2006. Abbey Santander banking claimed the dismissal was the result of a fairly conducted redundancy exercise. Mr Chagger, on the other hand, alleged that his removal was motivated by unfairness and race discrimination. He was of Indian origin, earned about 100,000 per annum and reported into Nigel Hopkins.

There are many benefits in resolving a grievance through informal channels and, wherever possible, the employee should try to achieve this first. Failing that, a formal grievance procedure may be pursued. The procedure is meant to process the grievance with fairness, consistency and speed.

The employee initiates the formal grievance procedure by informing the employer in writing of the grounds of his grievance. The procedure then requires the employer to invite the aggrieved employee to a grievance-hearing meeting to hear the grievance. The grievance hearing must be held within a reasonable time from the date the grievance was raised, usually within 2 weeks. The employee usually has the right to be accompanied to the hearing. At the grievance hearing, the employee explains his grievance and how he would like to see it resolved. The employer is ultimately responsible for deciding how to resolve the grievance. The grievance procedure gives the employer an opportunity to handle the grievance and to bring it to a satisfactory conclusion. Once the employer has decided how to resolve the grievance, the employer must notify the employee of the decision in writing, explaining that the decision may be appealed.

If the employee is dissatisfied with the employer’s handling of the grievance and wishes to pursue the grievance further formally, then he may appeal against the employer’s decision. The employee appeals by informing the employer in writing of the grounds of his appeal. The employee normally needs to raise his appeal within 5 days from the grievance outcome. The employer must then invite the employee to an appeal-hearing meeting to hear the appeal. The appeal hearing must be held with a reasonable time from the date the appeal was raised, usually within 2 weeks. The employee usually has the right to be accompanied to the hearing. At the appeal hearing, the employee explains his appeal and how he would like to see it resolved. The employer is ultimately responsible for deciding how to resolve the appeal. The grievance procedure gives the employer another opportunity to handle the grievance and to bring it to a satisfactory conclusion. Once the employer has decided how to resolve the appeal, the employer must notify the employee of the decision in writing, explaining that the decision is final and may not be appealed, and that the grievance procedure has been completed and ended.

If at the end of the employer’s handling of the grievance the employee remains dissatisfied with the outcome, then the employee may escalate the his issues to an Employment Tribunal for an independent adjudication. The system of Employment Tribunal is the final channel available to an employee to determine whether or not the employer has acted appropriately. Employment Tribunals will hear disputes regarding unfair dismissal, equal opportunities, discrimination and redundancy payments.

In 2006, Mr Chagger escalated his issues to the Employment Tribunal, alleging unfair dismissal, race discrimination and breach of contract. The Employment Tribunal ruled that Mr Chagger had in fact suffered unfairness and race discrimination from Santander Abbey and from Mr Hopkins, as well as suffering breach of contract from Abbey Santander share.

The Employment Tribunal noted that Mr Chagger had tried to resolve the issues surrounding his dismissal through Abbey Santander’s grievance and appeals procedures. However, the Tribunal found that there was a culture at Santander Abbey of tending to deny and refuse Mr Chagger’s issues, and the issues were simply thrown out of hand by every Abbey Santander officer who had been assigned to decide on them. The Tribunal concluded that Emilio Botin Abbey Santander price had failed to give serious consideration to allegations of racial discrimination and to investigate them promptly.

In 2008, both Abbey Santander banking and Nigel Hopkins appealed against the Employment Tribunal’s ruling of racial discrimination. The Employment Appeal Tribunal (EAT) rejected their appeal. Thus, the original Employment Tribunal’s ruling that Abbey Grupo Santander share and Nigel Hopkins had discriminated against Mr Chagger had been upheld by the EAT. At the same time, Abbey Banco Santander and Mr Hopkins had also appealed against the record 2.8 million compensation awarded. The EAT accepted this appeal and ordered the financial compensation to be sent back to the original Employment Tribunal for reconsideration on the basis, amongst others, that the Employment Tribunal should have considered whether to reduce the compensation to take account of the chance that Mr Chagger could have been dismissed in any event.

In 2009, Mr Chagger appealed to the UK Court of Appeal against the EAT’s rulings regarding the compensation. The Court of Appeal partly upheld Mr Chagger’s appeal, but upheld the EAT’s ruling that the compensation be sent back to the original Employment Tribunal for reconsideration on the basis that the Employment Tribunal should have considered whether to reduce the compensation to take account of the chance that Mr Chagger could have been dismissed in any event.

Emilio Botin Abbey Santander and Nigel Hopkins did not appeal against the EAT’s ruling on race discrimination; they appear to have conceded they racially discriminated against Mr Chagger.

Why Facebook is a Must as a Small Business Marketing Tool

As part of your small business marketing plan you need to be aware of
the way your customers are locating your products and services and how
their buying decisions are changing.

Online social interaction has become one of the main
pastimes for many people utilising social media sites such as Twitter,
Facebook, Linkedin etc. The king of these sites is Facebook with over
500 million people registered on the site, 700 billion minutes spent on
Facebook and on average each user having 130 friends ( and these numbers
are escalating), as a small business owner, you can see the potential
of Facebook to generate leads and sales.

A Word of Caution

However,
one word of caution is that social media is about social interaction,
and if you use the social media sites with an attitude of sell, sell,
sell or me, me, me then you will be wasting your time and energies. You
have to engage with your contacts and critics, listen to what people are
saying, good and bad. Keep content fresh. Use status updates and
newsfeeds to tell people about specials, events, contests or anything of
interest.

Small Business Marketing Facebook Essentials

Gain clarity about your Facebook Marketing goals before you start

Decide
upfront what you want to acheive from your Facebook Marketing. Is is
getting more customers, providing a better service or maybe creating a
brand awareness. Once this is clear, then you can work out your action
plan

Build Your Profile and Facebook Business Page

You
start by building your profile. It is advisable to have a separate
profile for your relatives and non-business contacts and one for your
business contacts. You then build your facebook page using your business
profile. Consider what keywords you want to be found for on the search
engines and build your profile and facebook page around this keyword As
well as having a Facebook Page, you can also create a Facebook group
which can have your keyword as the title.

Make Friends and Get People to “Like” your Facebook Page

Start
building your list of friends by inviting your current business
contacts and then ask them to “like” your Facebook Page. Then look for
groups or pages that relate to your product or service. Example if you
are a plumber, then you can join a builders group or a local community
group. Through these groups you can then make business contacts by
inviting them to be your friend. However the success of them becoming
your friends is determined by how you invite them and the uniqueness of
your message. Once your Facebook page is ready, make sure you create its
awareness through your website and other marketing materials so that
people can come and join your Facebook page

Make Your Profile and Pages Informative and Interactive

You
want to take advantage of the power of viral marketing and therefore
your aim is to get your friends to invite their friends to “like” your
Facebook Page.

Facebook Ads

Just like Google Adwords and
other Pay-Per- Click marketing, you can set up a Facebook Ad and pay
only when someone clicks on that advertisement. Because of the in depth
profiling available in Facebook, your ads can be highly targeted with a
low cost per click giving you a potentially high return on your
investment.

Final Points

Bing has now linked up with
Facebook and Google and other search engines are now starting to use
social media as part of their algorithm. Therefore a Small Business in
this day and age must incorporate Facebook as part of their Small
Business Marketing Strategy

Which Forex News Reports Are Trade-worthy

News trading is an excellent way of profiting in the Forex market. Economic news usually has the ability to increase volatility and thus potential trade opportunities in the market. However, it is important to only trade the news that has the highest ability to cause movements in the market. As much as the markets often react to the majority of economic news from different countries, those from big economies such as the U.S. and Europe play a significant role on currency market moves.

Here are some news reports that are trade-worthy:

Interest rates
Interest rates have the ability to cause significant movements in the Forex market. By increasing, maintaining, or lowering interest rates, central banks exert influence over the value of currencies. If raised, the exchange rate of a particular currency would appreciate in value, and if decreased, the exchange rate would depreciate in value. When an interest rate rises, it would offer lenders in an economy a higher return as compared to other countries; therefore, there would be an increased inflow of foreign capital that ultimately would cause the value of a currency to appreciate. Generally, it is seen as a good thing when interest rates increase and a bad thing when interest rates decrease.
Economic indicators
Economic indicators give a picture of the general performance of the economy of a country. They enable analysis of current performance and future forecasts of the economy of a country. Economic indicators comprise of various indices, earnings reports, and economic summaries, and some of which include Gross Domestic Product (GDP), Gross National Product (GNP), Consumer spending, capital expenditure, and government expenditure.
Inflation rates
As a general rule, a country having a high inflation rate usually has a weak currency, since its purchasing power decreases as compared to other currencies of its trading partners. To strengthen the value of a currency, the central bank of a country may make a decision to increase the interest rates.
Employment indicators
In order to comprehend the economic health of a country, it is essential to know the employment statistics of that particular country. Therefore, various employment indicators released on a regular basis are very important in affecting the value of currencies in the Forex market. An example of this is the U.S. Non-Farm Payroll released on a monthly basis.
Balance of trade announcements
As a general rule, a country with a positive Balance of Trade (BOT) usually has a rising currency.

Managing Time And Staff Effectively Critical to Small Business

The control of your time is key to being productive especially as a
small business owner or new entrepreneur. With the sheer volume of
things to do each day it is critical that you are organized and not
falling prey to distractions. Since you only have so many hours in a
week, I strongly recommend that you create a proper “To Do List” either
on your computer or on paper that reminds you on a daily basis, what you
are trying to accomplish each week. 56 83 Equally important is to
“schedule” tasks for a specific day to keep things in priority. When you
need to really focus on things such as marketing or accounting work,
close your door. The natural culture of a small business is for the
“door to always be open”.

While being available for customers is often
necessary as an owner/manager especially in a start-up situation, having
staff come and go constantly will interrupt your train of thought and
could cause you to miss something significant. Employees should come to
understand that when the door is closed, you are focused on growing the
business that pays their wages. Phone calls, opening mail and emails can
all be scheduled into certain times of the day to give you better
control over your environment and time. Large businesses schedule
closed-door boardroom meetings with management and department heads
regularly specifically for this purpose and while you may not yet have a
boardroom, closing your door to quietly contemplate is equally if not
more important for your small business. Setting a weekly plan therefore,
on a Monday morning or even on a Sunday night preceding your week, is
most important. Sit down and ask what you’re going to accomplish, each
of the five or six work days and don’t deal with Thursdays matters on
Monday. If your plan determined that it was good enough to get it done
on Thursday and you’ve got some priority items Monday, Tuesday etcetera,
stick to the plan.

As a businessperson you have to be mature
enough to know what you have to get done and then do only what you
should do. Don’t grab the garbage bag on the way out the door and take
it to the back lane and dump it in the dumpster. If you are a one-person
business that’s one thing but in many cases you see owners of a small
business doing things that might seem to be setting a good example but
it’s frankly not a good use of their valuable time. As the driving force
behind the success of your start-up, put a value to your time and ask
yourself, would you pay somebody that much money to do this task? So if
you are worth $50 an hour, why are you doing a job that you would pay $7
an hour to have done? It’s not about ego or position. It should be
completely about what is in the best interest of the business and where
your time is best spent. So, delegate, delegate, delegate. When the end
of the week comes and you’re checking off all of those items as “done”
because you were disciplined and controlled the interferences, the
satisfaction will be inspiring.

My goal is to help you succeed, Bryan M. Fenske, Founder – www.startingabusinesscoach.com

Forex Options Trading – How to Make Money with Forex options

The Foreign Exchange market is currently the most profitable financial market to invest in today. With more than two trillion dollars worth of trade every day, a lot of people have been enticed to trade here due to the possibility of huge returns. The problem however is that most trading stories in the Foreign Exchange market does not end with a happy ending. It is a very complex system and a trader can easily get lost in the jungle of numbers and information. There is an alternative trading method in the Foreign Exchange market, and this is by using forex options to make money.

Most of us relate options only with the stock market; but the fact is that options can also be used in the Foreign Exchange market as an alternative method of trading. Basically, forex options are financial contracts between a buyer and a seller. Purchasing this contract would entitle the buyer the privilege but not the obligation to purchase a certain amount of foreign currency. In other words, it gives the buyer control over the currencies stated in the contract by only paying for the contract and not the goods. When the value of the currency in question goes up, then the buyer could execute the contract and purchase the goods at a predetermined price so that he can make money out of the rise in its value. The disadvantage of this however is that the contract has an expiration date, so the buyer is under time pressure.

Timothy Stevens is a Forex Options Trader who owns – He has helped hundreds of people on Trading Forex with Options.

He’s recently developed a free e-course showing you a step by step process for starting your Forex Trading easier. To learn how to start Forex Trading with Options without wasting your time and losing more money, visit

Payday Loans, A Viable Option

What are payday loans?

Payday loans are short-term loans
that are extended between two pay days. A payday loan is normally
provided for 14 days. The borrower, on acceptance of the loan
conditions, provides a check favoring the lender as security against the
loan. On the due date, the lender deposits this check to recover the
loan dues. The due date is generally the next pay day of the borrower.
No credit checks are conducted for granting payday loans. Therefore, the
FICO score of the borrower is irrelevant. It doesn’t matter whether the
borrower has a bad credit history, or has no credit history, or has
declared bankruptcy.

Qualifications for payday loans

To qualify for a payday loan, the borrower needs to fulfill all of the following conditions. There are no exceptions.

o You must be a US citizen.

o You must at least 18 years of age.

o You must be at a full time job currently and must be at this job for at least three months.

o You must either have an active checking account or a savings account.

o Your after tax salary should be at least $ 1,000 or you must have a fixed income of $800.

Cost of payday loans

Payday
loans carry a very high cost. Generally the lender fees for a $ 100
payday loan is anywhere between $15 and $25. It should be remembered
that this fee is for 14 days as the loan itself is extended for these
many days only. If one considers the cost on an annual percentage rate
(APR) basis, the average is 391%, which by any standard is exorbitant.
By law, it is mandatory for the lender to specify the APR to the
borrower. Many lenders do compare the cost of payday loan against other
forms of financing; but the common denominator of such a comparison is
that all of them are very expensive.

When to avail of payday loans?

Payday
loans should be availed only during emergencies. Considering the fact
that the cost of carrying a payday loan is very high, it should be a
resource of last resort. If one implements good budgeting techniques and
has a good financial plan, the need for borrowing by way of payday
loans can be minimized. Moreover, one must ensure that a payday loan is
paid on time. Payday loans should not be rolled over or extended as
within no time the borrower will find himself or herself in a debt trap
where money may have to be borrowed just to repay the interest.

Profile of a payday loan borrower

o A
typical payday loan customer is between 25 and 40 years of age with an
annual income anywhere between $ 25,000 and $ 50,000.

o According to the US Census report of Year 2000, the results of the payday loan borrowers survey are:

22% of those surveyed hold a bachelor’s degree.

51% of those surveyed have a retirement savings plan.

In excess of two-thirds of those surveyed have a savings account.

More than two-thirds of those surveyed have an annual income of at least $ 25,555.

Why are Payday loans popular?

They are popular for a number of reasons such as:

o Credit checks are not required. The personal check that you make payable to the lender acts as security.

o Approval is quick. If all the necessary documents are submitted, your loan application maybe approved in minutes.

o
The paperwork involved is simple. Generally one or two
documents would suffice which explains the loan process and your
obligations.

o The repayment process is without hassles.
The check submitted as security is encashed on the next payday by the
lender. You could extend the loan to subsequent paydays for a fee.
However this is very expensive.

o Easy availability.
Payday loans are particularly appropriate for emergency situations
provided the amount required is small and one is willing to bear the
high cost of the loan.

In summary, payday loans might be a viable
option if you need cash and need it fast. You still should be careful
who you are working with to obtain your loan. If you don’t need money
right away, there is probably a better solution for you.

Do Invest In Pancard Club Investment Scheme

There were many comments about the program Pancard online investment club in recent years. The program began in the early 90’s in Pancard Clubs Ltd. This system has become so popular that it attracts more customers expect.
Regime justified its members to host individual hotels and resorts owned. List of hotels and resorts listed in the program led Panoramic Universal Ltd started the confusion here. Everyone was sure how they can use their rights in hotels and resorts managed by another company. Word spread like wildfire and people did not even plan investment Pancard Club marked the fraud. What do they know that Pancard Clubs Ltd is a subsidiary of Panoramic Universal later, when the feeling prevailing in the members agreed that responded to these rumors?
After five years down the line was even a rumor in this case, the complaint was filed on the Internet by those who shouted the figure. The complaint was published in several consumer forums. Adam published called the company of fraud and accused the company of certain irregularities Pancard Clubs Ltd
If you look at the complaint, you can check the item section. Member complained that he did not receive money to spend on medical care under Medi-claim policy. Did not even mention the hospital, where he was cured. On the other hand, argues that the insurance company does not encourage your application coz you do not understand the rules as needed. Could have been avoided if the member read the terms and documents carefully before investing. Conditions of the document clearly states that in terms of insurance are between the company and the insurance company Pancard clubs should not be responsible for insurance issues.
If you look at the complaint, you can check the item section. Member complained that he did not receive money to spend on medical care under Medi-claim policy. Did not even mention the hospital, where he was cured. On the other hand, argues that the insurance company does not encourage your application coz you do not understand the rules as needed. Could have been avoided if the member read the terms and documents carefully before investing. Conditions of the document clearly states that in terms of insurance are between the company and the insurance company Pancard Clubsshould not be responsible for insurance issues.

We all have a tendency to blame others for our downfall. We know in our hearts that our guilt, but very few people get it. This supports my argument that the program Pancard investment club is the best part is that there are many members who benefit from investment. Moreover, any claim or claim against Pancard club yet.