What You Need To Qualify For Bad Credit Loans

This post is sponsored by monkeymoney.com.au

Having bad credit can be a killer if you want to get a traditional loan, as most lenders are nervous about lending to people with bad credit. Fortunately, there are bad credit loans that you will be able to apply for instead. Before you head to apply for these loans, you need to know what you have to have to qualify for them.

The Ability to Repay

Getting a bad credit loan does not mean that you do not have to meet certain qualification criteria. One of the most important is that you need to prove that you are able to repay the loan. Traditional lenders will look at your credit score to assess this, but bad credit loans need more information.

You will generally have to prove that you are employed or that you make enough each month to cover the loan repayments if you are self-employed. There are many lenders who will want more information about your debt to income ratio. This will tell the lender if you are paying other debts and if they will have to compete for your money.

Your Career Could Matter

There are some lenders who will also look at your career. These lenders are looking for more stability and will assess if you will be able to repay them if the economy sours. Your career will generally not be the deciding factor in whether or not you qualify for the loan. However, it is something that you could be asked about so it is best to have the information on hand.

Some Collateral

There are bad credit loan providers who will ask for collateral before they provide you with a loan. This will need to be something that has enough value to cover the loan or a percentage of the loan. The most common collateral that is used will be any property that you own.

The lenders want this collateral to limit their risk should you not be able to pay the loan back. If this happens, they will be able to take possession of your collateral and sell it to cover the loan. It is important that you carefully consider what you place as collateral and whether or not you will be able to repay the loan.

Getting A Guarantor

In order to qualify for a bad credit loan, you might have to get a guarantor. A guarantor is generally a close family member who will sign the loan with you and will be liable for loan repayments if you are not able to make them. The guarantor will generally have to be someone who has good credit and must be able to prove that they can repay the loan.

Other Factors

There are other factors that you need to consider when getting a bad credit loan. Most loan companies will not provide bad credit loans to people under the age of 21. You may also need to prove that you are a resident of the area and that you can be easily contacted by the lender.

Uniforms On The Job – Hospitality Insights

A smart, clean and modern uniform is an essential part of the face that workers at resorts and hotels need to show to the world. There are two primary reasons for this – one is inward-looking and the other is guest-facing.

Maid in Uniform, dustingThe inward-looking aspect is fairly simple to explain. A smart uniform provides staff with a sense of identity. It is a constant reminder that they are part of both an organization and a team – and that they are valued members of that team. A uniform allows them to immediately identify team members in sometimes chaotic and crowded environments. Culinary uniforms are distinctly different from house-keeping staff uniforms, and this ability to distinguish various divisions and personnel can help keep things running in a more organized fashion.

On a simpler level a fresh, clean and attractive uniform allows employees to feel good about themselves and their team members. this has direct influence on their self-worth and thus their ability and motivation to perform above and beyond the baseline of their job description.

Uniforms are also a great leveler. They are a visual statement that each employee is highly valued and that there is a respect of the idea of equality within the organization.

The second reason that uniforms are so important is outward-facing. The brand identity of the resort or hotel is an essential part of its value proposition and an asset that must be protected and nurtured at all costs. The uniforms provide a highly visible way for the organization to promote the ethos of the brand.

For this reason, uniforms are available in a number of formats and appearances. A uniform used in a hotel or a resort can be casual, or even playful, while those in more staid environments are a visual representation of exceptional levels of service or even a visual clue as to the history of the resort or hotel.

On a more practical level, a uniform helps guests to identify staff who might make their stay more pleasant. in this case uniforms are essential to promote happy guests and return business.

In short, a well-designed uniform which is appropriate to the environment is an absolutely invaluable addition to the brand of the hotel or resort. Without attention to detail as far as uniforms are concerned, a brand and the performance of the organization can suffer irreparable harm.

However, it is absolutely essential that the uniform is not treated as an afterthought or a ‘nice to have.’ Uniforms need to be maintained and be fresh and clean. In addition, uniforms do need periodic updating – just as brand identities do. An old, faded or dated uniform is one that is not contributing to an air of professionalism. In fact, it may very well be doing the opposite.

Uniforms are part and parcel of the hospitality experience and budget must be set aside to keep them looking good. The result is a happier staff and happier guests.

What Are Chief Financial Officer (CFO) Responsibilities And Job Description?

As the name suggests, the Chief Financial Officer is responsible for the financial matters of a corporation or business enterprise. In essence, they handle anything and everything regarding the financial matters of their company. As such, they are responsible for the financial security and health of the company. Their responsibilities and the job description are usually the same as those of a financial director (FD), a title usually used in the United Kingdom and many other commonwealth nations.

Smiling female CFO doing calculations at desk in officeIn most cases, the CFO answers to the Chief Executive Officer and the board of the company. Additionally, he or she may be answerable to the Chief Operating Officer, especially with regards to implementing the company’s growth plans. Although the specific responsibility of a CFO may differ from one company to another, their general job description is similar. So what are CFO responsibilities?

#1. Economic Forecasting and Strategy Development Responsibilities – The CFO is usually charged with the responsibility of developing strategies that the company will follow. In the same light, he or she is responsible for forecasting various aspects of the business. The combination of these responsibilities is aimed at ensuring the company performs optimally, not only in current times but also into the future.

As such, he or she has to analyze the performance of various business models, with the intention of iterating to always accrue the highest amount of benefits not only now but also in the future.

#2. Department Supervision/Controllership Responsibilities – The CFO is also charged with the responsibility of controlling various department in the company. To this end, CFOs usually head the Finance and Accounting departments of their companies. Additionally, they may also play supervising roles for various departments such as Human Resources and the IT departments.

With regards to the Accounting and finance departments, CFOs are responsible for the development of the accounting policies and procedures and assigning responsibility to the various departmental players. CFOs are also the custodian of the financial records. They are responsible for performance reporting and availing such reports in a timely manner.

#3. Treasury Duties – Another responsibility of a CFO is the financial health of the company, which can be dubbed as the treasury duties of the company. Treasury duties include the assessment of risks and its mitigation, cash flow, the company’s capital structure, and any issue surrounding the debt and equity structure of his or her company.

As you can appreciate, CFOs do play a huge role in the running of the company. Thus they play a role in decision-making at the executive level, while at the same time ensuring the company maintains the best business practices that also conform to the existing regulations.

Ideal Qualification Of CFO

For a CFO to effectively perform the aforementioned duties with immense efficiency, he or she must have the requisites qualifications (and experience). These include Masters of Business Administration, a background in accounting (such as being a Certified Public Accounting), or equivalent business experience with (10 years of experience).

What is a House Cleaner? – Job Duties and Description

A house cleaner is someone who helps others with various household chores they either can’t or don’t want to take care of. While this isn’t the easiest job ever, it isn’t rocket science, either. Someone with good organization skills and with a sharp attention to detail can do an excellent job regardless of their specific duties. Additionally, a housekeeper should be in good health, in order to be able to lift heavy items. Since cleaning involves dealing with a lot of dust and dirt, it’s strongly advisable that it’s performed only by people who don’t suffer from any allergies.

house cleaner holding a bucket of cleaning suppliesIt goes without saying that honesty and punctuality should be among the main character traits of these individuals. Cleaning other people’s homes implies getting in contact with valuable items, jewelry and perhaps money, so concerns about security are top among those considered by employers. Companies that offer house cleaner jobs typically have a very good system of checking the background and the history of all candidates. Hiring a dishonest person may result in losses the company would need to cover. Besides, if the client decides to file a lawsuit, the cleaning services provider may have to face bankruptcy or even more severe penalties.

So, what does a cleaner do? Dusting, vacuuming and floor mopping are among the basic things house cleaners have to do. Sometimes, they may also need to wash the window curtains and blinds, and to clean the windows and the household appliances. After major renovations, house cleaners need to do tasks that are a bit more difficult such as cleaning all debris and paint from floors and windows, as well as removing various stains from upholstery or furniture items.

Efficiency is another trait of good house cleaners. When you have to clean a large villa with several floors and many rooms, you can’t afford to rest every ten minutes or so. You need to be able to deliver performance at high speed, as this is the only way you can finish all your assigned chores within your work time. If you are too slow, you’re going to be less productive than others, so clients won’t be too happy with your services. Since people usually pay to have certain tasks done, none of them would be willing to pay you extra only because you’re slower than others.

In conclusion, anyone who is honest, reliable and hardworking, with good attention to detail and with high productivity can make an excellent house cleaner. Whether you are going to like this kind of job or not may be something you’re going to be able to tell only after you try it. However, there are people who have chosen this career and have done it since decades ago, without getting bored or feeling that they do something that doesn’t require special skills or qualifications. It has a good job outlook and it’s a job for people who like work.

Autographic Insight | Reporting Tools

As any business owner knows, information is incredibly important, yet also incredibly difficult to keep track of. While modern technology has made it easier to store information, it has also required businesses to keep and track even more information, creating a complicated situation that leaves most business owners and managers struggling to keep up with the near constant influx of data, from online marketing data to revenue streams.

There are programs available to deal with managing databases, such as Excel, yet, these programs take a one size fits all approach that doesn’t cater to any one business. Luckily, there are advancements in database programming available. Enter Autographic Insight, a state of the art database program miles ahead of the one size fits all style of databases.

Autographic Insight reporting tools as much a service as a program; businesses sign up with the company to access the software. However, every business is unique, and Autographic Insight knows this. To that end, Autographic Insight allows businesses to customize nearly every aspect of the database system.

Businesses choose their data sources, the metrics they deem important (even ones unique to the company or its clients, as Autographic Insight can replicate any process) and their branding. Reports are built around the needs of the business and its clients. The program also allows them to set up alert systems to immediately be notified of specific changes in the data as soon as they happen.

Autographic Insight can save any business time and money. Program functions allow clients who use the program to save up to 35 hours per week by allowing them to customize what data gets reported to them. The program is highly intuitive and requires no specialized training, unlike most other database programs. The system also allows for commentary and works to help your business and its clients be better engaged in the processes of the business and better informed about where the business is going.

Autographic Insight takes a business’ data and boils it down into a set of customizable visuals that update daily, freeing businesses from ever manually compiling reports while they use the software. The information on the system is also compatible with other programs, and the information Autographic Insight compiles can be exported to Excel, PDF and PNG formats. The system also allows for unlimited users and tiers of users, and, along with secure cloud storage systems, all data is safe with Autographic Insight.

To inquire about a position with Autographic Insight, you may contact them directly at info@autographicinsight.com.

Ubiquitous Taxi Advertising Offers Opportunity for Advancement

Ubiquitous Taxis is a taxi advertising company that provides advertisement space on taxis for their clients. Taxi ads have accrued a reputation for being very effective. With many people recognising the importance of taxi to the urban landscape, it indicates just how a creative and well-designed ad on a taxi can be effective in reaching out to the masses. In this regard, having several cabs sporting the same ads can be a very effective method to run an ad campaign.

London Taxi CabThis is what Ubiquitous Taxi has been doing. The company’s sole focus is to create creative and attention-grabbing ads and place them on their taxis. The company has been at it for as long as the art and business of taxi ads has been in existence.

Over this period, they have developed pioneering products that have shaped the taxi ad landscape. Some of these products include TipSeats, Liveries, Single panels, Double panels, Supersides, MegaSides, Flexilivery and the newly launched CabConnect. These products have helped to achieve marketing objectives such as building brand for luxury goods or even driving sales for online stores.

Each product has been tested and proved to be effective in getting the message across. Their products are also extremely flexible, thus affording their clients an opportunity to match their needs with particular services.

To put things into perspective, a combination of their livery products can be used to advertise public relations events, for long term branding, or to simply compliment other marketing efforts.

Ubiquitous Taxis Management Staff

A company is only as good as its personnel. Ubiquitous Taxis is run by professionally trained and experienced personnel, each bringing onboard beneficial skill-set that has long steered the successful run of the company.

The managing staff includes Sarah Priseman, the Director of Marketing, Sophie Green, the Sales Manager, Shifali Kulisa, the Senior Account Manager, Kane Cooke, the Media and Marketing Executive and Katie Gilmour, the Account Manager.

Ubiquitous Taxi Advertising is accepting applications at:

Ubiquitous Taxi Advertising
16-19 Eastcastle St
London W1W 8DA
020 7291 3700

Experience In Taxi Advertisement

In a field that demands experience, Ubiquitous has more than ample experience in taxi advertising. For instance, the Managing Director, Andrew Barnett has been involved in taxi advertising for more than 30 years. He is not the only experience personnel in the company. The three company directors have 75 years worth of experience between them.

As impressive as these statistics are, they serve more than just an impressive resume. This experience ensures that their taxi ads achieve their main objective, which is to reach out to as many people as possible.

Clientele History

The blue chip companies that Ubiquitous Taxi has served are also a testament of their pedigree in producing positive results. The company has served Microsoft, Carmex, Standard Life, Coca Cola, Nickelodeon, Vodaphone, Quidco and many others.

Areas Ubiquitous Operates

Their service area is essentially the entire United Kingdom. They operate in Glasgow, Liverpool, Manchester, Edinburg, Leeds, Birmingham, Newcastle, London, Bristol and Reading.

Contacting Ubiquitous Taxis

Their customer service is always ready to answer any enquiries about the service they offer. You can contact them and send any questions you may have through their website, or by visiting their Facebook page at https://www.facebook.com/ubiquitoustaxis.

Finding a Job Just Got Easier

With the tough economic times (and low employment rates) finding your dream job can be a little intimidating. Thousands of people are on the job hunt every minute, which increases competition on who gets the job. The number of people turning up for job interviews is proof enough that competition is high. Nonetheless, you could reduce the competition by using an online job locator – which increases your chances of finding the right job.

Benefits of Using Our Online Job Locator

Job SearchMore Hits: This tool makes it easier for you to find multiple hits on job advertisements at one go. The best thing about this tool is that you only get hits for jobs you are qualified for, thus giving you an upper hand on the jobs. You can also use the same tool to send out multiple job applications. With the pool narrowed down for you, it is possible for you to land a dream job out of the various applications send.

Access to Well-Defined Job Posts: With many companies posting job posts online, it is much easier for the job locator tool to pick it up. The tool lists jobs based on your qualifications and preferences, meaning you get to find well-defined posts therein. With your resume and portfolio already uploaded, this tool helps filter posts to find the most appropriate one for you. This means you will be applying for jobs you are qualified for, and not spam applications that could be detected by employers.

Reduced Competition: Although most job posts receive a wider audience and an overwhelming application list, online job locators only identify and focus on listings with very few competitors. The tool crawls the web to find listings with less exposure thus increasing your chances of getting the job. The best thing about using this service is that listings are populated based on highly interested and qualified applicants. This not only reduces the probability of many people applying for the job but also increases chances of getting the job.

Direct Interaction with Employers: While applying for a job is one thing, getting the opportunity to interact with a possible employer is another. Communicating with an employer not only increases your chances of getting the job but also helps you understand the listing much better. Even though you may not get direct contact information for hiring managers, the opportunity to know exactly what they need does boost your chances remarkably.

These are just but a few ways that our online job locator can help you find a new job or career. The service has helped many get their dream jobs, meaning you too can benefit as well.