Dont Gratuitous Give Cash Loans
Credit & Loan May 28th, 2010
bureaucracy that must go through when going to borrow cash to the bank, often makes some people choose to borrow cash directly into the personal. Whether it’s relatives, neighbors, or colleagues. Especially when the amount of funds to the loan amount was too much. Providing cash loans, once, twice, not a problem. But what if this becomes a habit, because the people around you know that you are someone who is not very sure tegaan and will provide loans?
Following points should you fikirkan also is whether the returns in accordance with the time specified? When you’ve finished this, you can not longer provide cash loans granted. For some people, it is not so easy to say “sorry I can not?. Moreover, the borrower is very appealing to you. Pity too often heartbreaking. So how do we just give loans to people who really need? Follow these tips follows:
You just know the borrower
This is quite important, you are quite familiar with the borrower, at least you’ll know that the borrower is telling the truth or not when you say they want to borrow on your cash.
In addition, you can also determine whether the purpose of borrowing is true or not? Even though your heart says that you should help, but in many cases, cash loans is not the best way to help a friend. But if the road is still to be chosen, try to show your sense of caring. Ask for what he had to borrow money by that amount.
Please do not hesitate
With just your closest friends can not hesitate if you do not want to give loans. Moreover, if the borrower is a person who does not so you know, or have not been in touch with you suddenly appeared, and intend to borrow money directly to you. If you have this, just say “sorry I have rules to lend money to someone else, please be advised?. You do not worry be stingy. With at least say that you have demonstrated a firm stand on your own.
Ask yourself
It is also important for you to do. Try to do before you actually decide to give a loan to your friends. Why? Sometimes we do not know the true financial condition of the borrower’s real.
How it would be if the borrower has a habit of digging a hole lid. What’s worse, if the borrower has a goal to buy goods that are too expensive for her. Or even a credit card can no longer be used because it was still a lot of unpaid arrears? If such a situation, you should think back to make loans. Responsibility of the borrower who has a character like this is very questionable.
The purpose of borrowing
Note well the purpose of borrowing funds. Do not hesitate to ask for the allocation of loan funds, whether for business or for business capital? Then confirm the purpose of borrowing, whether he was merely borrowing to finance their business or to invite you to work together, in the sense that you will act as an investor? If you apply as an investor, you have the right to benefit from these efforts and not the rights to loan repayments alone. But when the loan is only used to finance the effort, you can lend it to the right to obtain repayment in full.
Regarding interest rates, it depends on you. Are you going to charge interest on the loan or not. After all, your money was used to finance the business element. A little aside elements of usury. Interest loans can be used as “weapons? When the borrower began to be absent
Agreed OPEC Quota Preserve
Economy May 28th, 2010
WINA – State Organization of Petroleum-Exporting Countries (Opec) agreed to maintain current production quotas, 24.84 million barrels per day.
It was stated Saudi Arabian Oil Minister Ali al-Nuaimi, preceding the official announcement of OPEC meeting in Vienna. “No further questions, is there an agreement to that,” said Nuaimi.
He added that the ministerial meeting of member countries of OPEC in Austria’s capital was in order to keep the situation was conducive assessed at this time. The emergence of these comments from Nuaimi yesterday boost world oil prices return to levels of USD82 per barrel.
Drug Treatment
Company Info May 24th, 2010
Drug rehab now spreading everywhere in the city, many teenagers involve with drug and alcohol, they’re being addicted and cant stop. High school student to elementary school, was being black mailed by a drug dealer, they offering drink in their school for free, while the exact thing is actually alcohol, or drug that they wrap as candies. So crazy.
Teacher in highschool to elementary getting busy with this drug addiction problem by their student, then they contact alcohol treatment center and drug treatment center, to make their student stop, giving them a change to be clean, and can continue their study.
Back then, if there are a student that involve with drug or alcohol, will directly kicked out of school. But Now realize that it wont help them, especially many of their parents begging for her son or daughter, so their children can continue study after rehabilitation, with tight supervision from their parents and teacher. They also will given more task than other, so their school schedulle will be different from other from 8.00 am to 5.00 pm, they also have to join the extracuriculer activity on Saturday and Sunday, students who failed ther absent, will directly kicked out of school. So this rule only for serious student who want to get a second change not to failed their school and their future.
Bank of Japan Fight Deflation
Bank May 24th, 2010
TOKYO – Meeting discussion conducted monetary policy the Central Bank of Japan (Bank of Japan / BoJ) indicates a stop-gap measure to spur economic recovery. All this is a barrier is the rate of deflation and weak demand.
Many people hope that the BoJ rate remained at 0.1 percent level, as has been done since December 2008. This is to keep running so as to sustain the credit growth.
BoJ being confronted turunya consumer price index (CPI) for almost a year, is also considering to extend short-term loan facilities to companies and households, became six months.
Japanese media reported that the Central Bank will inject fresh funds of up to 20 trillion yen (equivalent to USD222 billion) into the local financial markets.
Meanwhile, the yen continues to move sharply higher. This becomes an important record in Japan’s economic prospects. Prime Minister of Japan Yukio Hatoyama has also been urging stern steps to stem yen strength.
Just FYI, BoJ officials meeting came after the central bank urged governments to exert all efforts to reduce deflation. The risk of deflation can lead to reduced corporate profits and push economic activity as consumers delay spending. At the end of economic growth will be slowed.
“I hope the parliamentary session today will find a way to combat deflation,” said Minister of Finance of Japan Naoto Kan, as quoted by AFP, Tuesday (16/3/2010).
It suggests that he wants Japan to push deflation until the end of the year. How, with encouraging early deadlines from BoJ estimates for two years.
Just FYI, Japan plunged into recession in 2008, as the impact of the decline in the global economy. However, economic growth returned in the second quarter last year.
Tips & Tricks Company Selects Valet Parking Service
Company Info May 24th, 2010
What’s valet company? Valet Company is a company that provides service between the parking / valet parking is expected to facilitate the guests parked vehicles and improve the services in the hotel / mall / office / special event which will raise the prestige of the hotel / mall / office / EO in question.
That is, the existence of valet companies SHOULD be easier, support, and provide security for the owner of the vehicle. What happens now is that many companies experienced valet who claimed they had not yet quite capable of trust that have been given, including the inability to replace losses caused by the negligence of his men.
No valet companies rarely admit that his company is the most professional and experienced. In fact, the company had just stood up and just have a single client site. Thus, these companies may not be experienced because of the trust given to the valet service was still on one client only.
For that, prospective customers that the valet service users avoid the snare of the valet company’s marketers, there are tips and tricks to keep in mind:
1. Ask, who owns what company and work experience background of the owner of the company (remember, you do not want to be deceived, so be careful from the beginning)
2. Hotel / Mall / any major event that had already been using their services, and ask for customer satisfaction letters (remember, you need to know to what extent the level of client satisfaction with these services so you do not specify any steps valet company. If they are many reasons, watch out , this is one indication of their money only after you)
3. Ask for references that can be questioned (make sure you get back to the hotel / mall / EO / office that the person’s name is given to you to prevent a conspiracy that led to fraud. Do not hesitate to contact 108)
4. Ask your insurance company’s name will be protected when doing the same work. Make sure you see the original policy to avoid further fraud (remember, you do not want to be deceived! Do not let them take what is not worthy of their rights. Ignore all the reasons to say why they did not take the policy with them)
5th. How far the level of security provided to the client company (make sure, that you are satisfied with the answer given. If not, let’s say you are not satisfied)
6. How canny ability to drive their human resources (please you to test where the corresponding need to bring your vehicle. Look and decide, whether you feel comfortable and safe enough way concerned with and treat your vehicle)
7. Notice the words before the relevant closing will end the discussion and presentation introduction.
8. If this is the determination of a contract extension period, calculate, how many cases that have occurred during the operation valet at the hotel / mall / office / event you (calculate starting from the discipline of officers, the implementation of standard operating procedures, and interpersonal relationships with the hotel / mall / office / EO, the ability to communicate to understand what you need and what you want, consistency for both commitments made by a contract made or oral)
Remember, your vigilance is the key to start your ability to protect your company from the valet company’s deception.
Hopefully these tips and tricks can be useful in selecting and determining valet service companies which will be representative and frontliner your company in the future.
