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First and foremost, this is a warning to both job seekers and employers… It is in no way a recommendation that anyone use fraudulent references.Several websites have begun to offer phony reference services for job seekers. At first glance, this may look like a good idea to overcome spotty work history. However, it is a risky move. Every employer has – or should have – a policy of immediate termination for lying on resumes and applications.One of these services, Career Excuse, encourages candidates to create their own work history, tailored to their desired field. For a fee and ongoing subscription, the website will provide references, work history verification and other fictitious documents to support the falsehoods in a candidate’s resume. Disturbingly enough, they even offer phony funeral excuses.However, these services do not guarantee that they will stand up to a rigorous background check. In fact, many of these services carry a disclaimer that they will assume that the information provided by the job seeker is true. This creates a reflective action back on the job seeker, thereby absolving the fake reference provider. In other words, they state that their information is only as good as the statements created by the candidates.To avoid this trap, a thorough HR department will confirm work histories, criminal checks and education verification through their own resources, not just the phone numbers provided by the candidates. And they have the legal right to do so.When a job seeker signs either an online or paper application, he is signing a legal document. It is not merely a formality, especially when employers include certifications like the one below to gain permission for the background check:”I, _____ (the candidate), hereby certify that the facts set forth in the above employment application are true and complete to the best of my knowledge. I authorize XYZ Company to verify their accuracy and to obtain reference information on my work performance. I hereby release XYZ Company from any and all liability of whatever kind and nature which, at any time, could result from obtaining and having an employment decision based on such information. I understand that, if employed, falsified statements of any kind or omissions of facts called for on this application shall be considered sufficient basis for dismissal.”This means that the candidate is granting the potential employer the right to conduct a thorough background check. Any discrepancies can cost the candidate the job offer or even employment if he has already been hired before the falsehood is discovered.In addition to checking references, the employer may require employment verification, education verification, criminal background checks and drug screening. A credit check may be run in some situations, specifically when the potential employee will have any contact with financial information or actual funds.Considering the severe penalties, it is not recommended that any candidate provide knowingly fraudulent materials or references to get a job. Eventually, the truth will catch up in brutal and legal ways.(c) 2011 Donna Shannon

Intellectual Property is increasingly being recognised within organisations of all shapes and sizes as a highly valuable and also unique asset. As the UK moves more and more towards a service based economy and away from its traditional heavy industry and manufacturing base the need to manage your intellectual property is paramount as this may become your organisation’s primary asset in the future.

There are three main stages to ensuring the effective management of intellectual property within an organisation.

Stage 1 – Awareness

One of the biggest challenges facing many organisations is a lack of awareness and understanding about what their IP actually is. This is the base level skill in the management of IP and until everyone throughout the organisation is aware of what constitutes their unique intellectual property then it is impossible to move onto stage 2 – protection.

It is this lack of awareness of what constitutes an organisation’s IP that leads to vital information being casually given away with no thought as to its value. This is admittedly more common at the junior level within organisations but can happen at the most senior levels too.

It is vitally important for all organisations to analyse what makes up their IP and then not to stop there but to take it to the next level which is ensuring that all staff are aware of this. Once this is achieved the management of IP within the organisation can move onto stage 2.

Stage 2 – Protection

Having ensured all staff are aware of what the organisation’s intellectual property is it is then possible to concentrate on protecting this valuable asset at all costs.

The law relating to IP is in parts complex but overall is there to protect the owners of the IP. A simple training programme may be all it takes to get everyone thinking about how they can protect the intellectual property of the organisation. Alternatively the creation of a simple checklist to use upon receipt of any request for information can go a long way towards the protection of IP.

Stage 3 – Maximising the value

Once everyone is aware of what constitutes their IP and what can be done internally and / or legally to protect this you can then move onto stage 3 of the management of intellectual property.

This is the stage where opportunities can be sought out to maximize the value and return on IP rights. Take the example of a university that has done a great deal of research into a particular area that has commercial application. Should this simply be given away for free? Of course not, everything has a market value and intellectual property is no different.

Simply by brainstorming potential opportunities many organisations have come up with incredibly innovative ways to enhance the perceived value of their IP rights and ensure their own continued success.

Energy efficiency is an important prerequisite for economy and a green attitude towards the environment. Companies, corporations and organizations abide by the principle of efficiency in their energy consumption, to contribute to the global economy of the earth’s natural resources. The number of energy saving systems and respective technologies is soaring, to encompass a plethora of organizations and show their efficiency commitments.

Efficiency with respect to the energy consumed is among the topmost priorities for businesses, governments and individuals alike. Every company and every individual give their fair share for the improvement of economies of countries around the world.

The strife for economy of energy has spread to the building of homes which are more efficient with respect to the energy consumed. They comprise solar systems, tankless water heaters, hot water storage tanks, condensing boilers, etc. The combination of technologies in both new and renovated buildings enables homeowners and companies using these buildings to achieve low energy rates.

There are also competitions the crowning end of which is to award building owners as well as original equipment manufacturers for their important achievements of energy savings as well as savings which are friendly towards the environment. One such award is the EnVisioneer of the Year award presented at the Danfoss competition – a relatively new event launched in 2010. Such awards are given to individuals and organizations that have introduced new products or opened new facilities; those that invest in the upgrading of buildings or systems are also eligible for participation.

In households, the achievement of efficiency by means of suitable systems leads to significant savings in the consumption of water, e.g. for laundering. Water economy is in the centre of attention, together with efficient lighting. The use of compact fluorescent lamps has led to great savings, and people are familiar with the main areas which they should address to achieve savings in their energy bills.

Companies are offered special consulting services which complement their existing achievements in the field of energy saving. Thus their overall value is enhanced for their customers on a global scale, as they optimize their consumption of energy and resources. By means of combining the consultations offered with their experience and expertise in the field of sustainability and energy management, companies form increased efficiency capabilities. The United Nations organization has its foundation specially dedicated to the establishment of global public as well as private partnerships for the promotion of more energy efficient buildings. Thus developing countries have the strategies for the development of efficient and energy economical buildings high on their agenda. Companies that offer energy saving products and services can combine with financial institutions, with property owners, etc., and the adoption of new approaches to efficiency which have already been proved is greatly facilitated.

When you are embarking on a travel, the planning is the most important thing you need to do. You have to make sure everything is in order. Even the best things-the best vacation destination, the best hotel, etc.-can be of no avail if you have planned incorrectly.

Here is a travel planning guide you can use. It tells you of a systematic approach to plan your travel, which ensures you have a great time.

Research for the Destination

Where will you be going? This is the first thing you need to decide. The destination should be something that everyone in your party wishes to visit. That makes the vacation more enjoyable. It is great if there’s someone in the party who has visited the destination before, but if not, you need to get as much information as possible. Every popular vacation destination has a tourist website of its own, which is mostly run by the government of the place. Take some time out to research for your options through this website. Get somewhat acquainted with what kind of place it is-conservative or liberal as regards tourists, what kind of food you will get there, the climate, the appropriate dress to wear, the language to speak, etc.

What to Visit

Most people think about the hotel first and then what they would want to visit. This is the wrong way to go about it. First, you must draw up a list of the attractions the place has and then decide which of these you want to visit. Then you must chart out your route, or you could even call it your itinerary. This helps make more focused plans.

The Accommodation

Once you have the places you want to visit listed, you must look for accommodation in the nearby areas. This reduces the hassle and the cost of inner-city traveling. For accommodation, the Internet is your best guide. Every hotel worth its name has a website and you can book from there. Don’t underestimate the power of travel directories either. They will give you good comparative rates of different local hotels from which you can choose the one you like best. You can also read reviews here.

The Travel

You need to make your travel arrangements. Choose the mode you will need to, or like to, take-flight, rail, road, ship, whichever. Then see what dates are available. Getting tickets could be a problem if the place is very popular and it’s the peak season. That’s the reason why you should book travel and accommodation simultaneously, after finding out what options you have with both of them. Also, there are various websites that can give you great packages for travel and accommodation together, with goodies such as sightseeing trips thrown in.

Other Necessaries

Inner city travel is an important thing to book beforehand, or you should at least know what options you have. If the party is big, it makes sense to hire a private vehicle. Otherwise, you must find out about how you can use the local public transport. Also, find out about what sightseeing trips, cruises, adventure packages, etc. the place has. Book anything you want to check out, especially if it is very popular. Try to do your travel planning beforehand which ensures a relaxing time during the entire trip.

So you are thinking of getting some extra money to make some urgent home repairs, the porch door needs replacing, along with a new hot water system. Unfortunately you do not have the money in the bank, but neither do you have a secure porch door or any constant hot water.

Have you considered personal loans? A lot of people take out personal loans for this type of repair. Car repairs and even holidays are used by people with their newly acquired finances. Most people have heard that a poor credit score is not a good thing (However even those that have a poor financial history can still get loans). But how do you make a good rating?

One of thing major pieces of advice from experts, before you apply for finance it is best to get a credit report completed from a reputable source. This will give you an idea of the chance of getting your application approved. In the United States of America there are three levels of credit rating, basically the higher it is the better it is.

An excellent rating is above 760, a good rating would be between 700 and 759 and a poor rating would be between 640 to 699. if you are at the top end, 760 and above then there is no point in making your rating any better. However with other ratings it is worth trying to improve as it will help your chances of succeeding in the application.

There does seem to be a bit of a chicken and egg situation sometimes, you need finance but have a poor score,but to improve you need a lender to give you a chance. Well, luckily there are things that you and your family if you have one, can do to improve your rating.

Having a poor rating does not mean you have to be stuck with it, starting to pay the bills on time instead of late or not at all will start to get you on the right path. Some lenders will still give applicants loans even with a low score, but the total given will be lower than usually and the percentage rate will be considerably higher. So you will pay more over the period of the finance.

Families can help too. If a member of your family has a good rating then some credit card companies can add you to that family members credit card as an authorized user, this will help with any poor credit score. Also having a family member with a good rating co-sign the loan could help you get what you need.

Finding the correct lender for your score is a good way to make sure that you are getting what you deserve, if you have a high score you deserve some of the best deals on the market. Instead of going to your bank or card company you can go online and search for a matching company. Companies like this are a good place go to make sure you achieve the best deal.

What are a matching company and what do they do? You enter your details on their online program and your information will be fed to several of their approved lenders, in turn the lenders will then return to the matching company with a list of loans that they are able to offer.

Once the offers come back it is then up to the applicant to choose one and complete all the necessary paperwork. A check will then be received within a matter of days and your new boiler and door fitted soon after.

Everyone is busy. Busy in shopping online and in the malls. Popular online portals are breaking and making new sale records! All thanks to the convenience and the availability of easy payment options and funds!

Here are few of the factors that are making online businesses a success

Credit Cards: A credit card is plastic money. It is one of the easiest form in which a person gets a personal loan.

All online portals as well as retailers in malls accept credit cards issued by various banks.
Online payment becomes very simple and safe, thanks to the one time passwords generated for such transactions.
A PIN is sufficient for shopping using a credit card at any retail store.

Personal loans for shopping: When we apply for a personal loan, we don’t have to provide the financier with the details of what we want the loan for.

Thus these days’ personal loans are being used to finance shopping.
They can also be used as wedding loans, vacation loans and educational loans.

Payment Processing: As far as payment processing is concerned, the following factors matter to both the consumer and the online retailer.

Uncomplicated manoeuvring on website: It is important for the payment process to be step-by-step and easy to understand. Most websites work on this section very carefully and thus the online shopping experience is satisfactory.

Processing Costs: Processing costs matter to the retailers. More the processing fees they have to pay to providers of payment gateways like Visa, the lesser are their margins. So to have an effective business the processing costs need to be low.
Number of payment options: Multiple payment options should be available for the customer to make payment. This makes the shopping a convenient proposition.
Time taken to process transactions: Processing time not only tests your patience but sometimes also the strength of your internet connection!

Cash on Delivery: This is also known as “collection on delivery.” This is a very popular mode of making payments for shopping in the developing world.

It enhances impulse purchases.
A credit card is not an essential possession for the buyer.
The buyer can check the quality of the product and then pay

So this festive season, do not hesitate to shop and to gift! The availability of funds for shopping is not difficult anymore. Also the convenience of online shopping has brought various retailers to our doorstep. So let us shop all the way!

An easy way of shopping is using a credit card. It forms an integral part of most people’s financial planning. When used in the right manner, it helps reduce financial liability and optimizes financial resources.

While the rise of online lending in itself makes it more convenient for people to apply for finance, is this development a good thing for those who are already struggling? There are companies out there who charge expensive annual percentage rates (APRs), leaving many people in more trouble than when they first started.

But it doesn’t have to be this way. Over the last few years, online lending has earned itself a bad reputation. The internet leaves many people vulnerable to fraud, so you should always exercise caution when inputting your financial details. The best way to make sure your information remains safe is to find a secure, reliable lending platform.

There is an unfair irony attached to lending today. Those with bad credit are often led to believe they have no financial options if they have made mistakes in the past, often making their situations seem more desperate than they actually are. This can result in people making bad decisions and can lead to borrowing through unstable sources.

Meanwhile, any lenders that do accept you with bad credit will charge extortionate interest rates because of your history, making it more difficult for you to meet your monthly repayment obligations – thus worsening your situation. This is a trap that many people fall into, and it gives online installment lenders a bad name.

However, this doesn’t need to be the case. If you can find yourself a reliable lending platform, you will be connected to a secure network of trustworthy lenders who can offer sensible solutions to your borrowing needs. Many of these lenders will assess your application, even if your credit file isn’t perfect or your income is lower than average.

Instead of (or in some cases, as well as) running credit checks, these lenders will take other factors into consideration, including your income and employment circumstances, and how long you have lived at your current address. They may even ask for references they can contact who will vouch for your character personally.

Even those who receive benefits as a form of income will be able to apply, giving everyone a fair and carefully considered chance of borrowing money. In these cases, applicants won’t be accepted for higher loans than they can afford to pay back, and interest rates will be low, meaning there is a better chance of managing repayments.

If you have poor credit and need to borrow money, consider a personal installment loan, but make sure the APR is advertised between 5.99% and 35.99%. There should also be a number of options in terms of flexible repayment, offering you the chance to pay the money back anywhere between six months and six years, depending on what you can afford to pay per month.

Small, carefully considered personal loans could actually help you build a financial profile making you eligible for better future borrowing. As long as the lender is responsible, and offers reasonable interest rates, online lending platforms can actually give people with more opportunities than many other lenders in terms of improving their situation.

With this in mind, personal loans can be beneficial to those hoping to improve their credit score, but only if some caution is exercised by both parties, and you only apply to borrow an amount you can afford to pay back.

Don’t you wish personal finance were a mandatory course in college? Unfortunately, too many of us learn by mistake. When you need a personal loan and are rejected, you might be baffled as to what went wrong- and how to fix it. Here are some clues.

NO CREDIT

No credit is a situation where you have never used credit and therefore have no credit history for the bank to review. They have no way of making an educated decision on whether or not you will pay back a personal loan based on your credit history. No credit is worse than bad credit. Qualifying for and making regular payments on these types of introductory forms of credit can overcome a “no credit” score:

· Student Loans

· Secured credit card (includes a down payment amount)

· Being added to a parent’s or spouses good credit: card, car loan, etc.

LOW CREDIT

Low credit takes on several forms. If you’re using more than 30% of your allowable debt, it can negatively impact your score. Too many inquiries from shopping around for loans will also hit you hard. Lapses in payment, defaults, or bankruptcies are giant red flags and can take a long time to rebuild from.

Other things that lenders may look at are whether or not you have sizeable assets should you default on the loan. They also check to see if your debts are diversified or if you are only carrying one type of debt.

INCOME

Proof of income is generally required when applying for a personal loan. If you are unemployed or underemployed, it can work against you in the loan approval process. Lenders may also require a work history to see how long you have been with your current employer, and to determine if you typically have job stability. Frequent job loss or change will tell a creditor that your payments may not be reliable.

PURPOSE OF THE LOAN

Believe it or not, your application can be rejected due to your proposed purpose for the loan. Financial institutions have the right to set up the parameters surrounding their disbursements and can accept or reject your application based on what you want to use the money for.

BLACKLISTING

If you’ve defaulted on debt before, your name may be put on a list of whom not to loan to,’ also known as a “Blacklist.” This will follow you around for a long time and is difficult to erase. If you do resolve the debt issues, get documents to prove the resolution.

When it comes to a personal loan, you have to first learn to use it responsibly. Because if you miss a repayment, your credit score will be impacted adversely. And remember, that a credit score is an indicator of how well you manage your personal finances. Also, it plays a defining role when you apply for any kind of loan – secured and unsecured. It is suggested to apply for a loan slightly larger than what is needed so that you will be assured to have enough money to pay all bills necessary and still have some money left over to ensure that your bank account stays current.

A credit score can be defined as a number which reflects the financial situation of a person. If the person is well-off when it comes to financial matters, then he or she is said to have a high credit score. On the other hand, if a person is the exact opposite of this, then they possess a low credit score. There are a lot of factors that are considered by financial institutions for the purpose of evaluating a person’s credit score – usually, the credit scores of people vary from 300 to about 850.

A personal loan is a type of loan that is given by digital lenders, banks and credit unions to aid you in your plans, be it starting a small business, or making a big purchase. Personal loans tend to have an interest rate(s) lower than the credit cards; however, they can also be put to use for combining several credit card debts together into one monthly lower-cost payment.

Now, your credit score is built by keeping in mind various parameters from your credit reports. These reports serve the purpose of trailing your history of utilization of the credit across the duration of seven years. These credit reports are comprised of information, including how much credit you have utilized to date, the type of credit in your possession, the age of one’s credit accounts, whether one has put in for bankruptcy or liens filed against them, actions of debt collections taken against them, one’s total open lines of credit as well as recent inquiries for hard credit.

Like any other type of credit, personal loans are very capable of affecting your credit score. This can be done through the process of applying and withdrawing a personal loan. If you are curious as to how personal loans can end up affecting your credit, then read on to find out more about the context. There are many ways in which your credit can be affected by personal loans and some of them are listed below:

The ratio of your debt-to-income and loan

Debt-to-income ratio is considered to be the measure of your amount of income that you spend on the debt repayments. In the case of lenders, the amount of income that you receive is said to be one of the major factors proving that you are able to repay your loan.

Some of the lenders have come up with their own debt-to-income ratio so that their proprietary credit scores may make use of it in the form of a credit consideration. Do not fall into the kind of mindset that possessing a high amount of a loan would hurt your credit. The most damage it can do is raise the ratio of your debt-to-income so that you won’t be able to apply for loans anymore without it getting rejected or denied.

Paying loans on time will make credit scores soar

The moment your loan is approved, you have to make sure that you settle the payments of each month on time and in full. Delay in repayment may significantly impact the state of your credit score. However, on the other hand, if you make the payments on time every month, then your credit score will soar high, leading to an overall good score. This will not only make your name to the preferred borrower’s list, but it will prove to be beneficial for you in the long run.

Since your payment history is comprised of almost 35% of your credit score, paying loans on time is essential in cases like these so that your credit score can maintain a positive status.

Variety is built into your credit type

There are about five factors that are responsible for determining your credit score. These are composed of the payment history, the length of the credit history, the utilization ratio of the credit, the credit mix and new inquiries of the credit in accordance with FICO®.

The credit mix only accounts for about 35% of your total credit score, whereas when it comes to a personal loan you can have a varying mix of the credit types. This mix of all types of credit is viewed at a high level of approval by the creditors and lenders.

Origination fee charged by loans

Most of the lenders end up charging you an origination fee. This fee cannot be avoided at any cost and is instantly taken off from the amount of the loan payment. The amount of origination fees depends upon the amount of the loan you are about to borrow. Late payments can lead to an overdraft of fees and late expenses. Therefore, make sure that you pay complete repayment for each month before the deadline.

Avoiding penalties when it comes to payments

Some of the credit lenders tend to charge an additional fee if you end up paying your part of the loan earlier than the agreed date. This is because they are looking for moderate amounts of interest on your loan. Now, seeing that you have paid off your part of the loan before time, they will miss out on that interest that they could have possibly made if you had not cleared the debt soon enough before the deadline.