Sources of Consumer Credit

Credit occupies a prominent place in commercial affairs, undertaken by many people. It provides an opportunity to avail the benefit of purchases of goods and services, without giving the required money upfront. Banks A bank is a financial institution which is licensed by a government, and plays the important role in lending money. They also act as important players in financial markets and offer financial services like investment funds....

Read More

Finance Charge on Credit

Finance charge is actually the fee which is added to the total loan amount. Periodic finance charge can help bank and financial institutions earn money which can be further utilized for a planned business expansion. Even though these charges can fluctuate, a certain minimum amount is taken from the loan seekers irrespective of the kind of loan availed by him. What is a Finance Charge? Finance charge levied on customers is a means for lenders...

Read More

Loans With High Risk

There are many mitigating circumstances that can shepherd someone to seek a loan and if you have bad credit scores, then you are left with a very few avenues of financial assistance. One such avenue is taking high risk loans to deal with your monetary needs and wants. In a recent survey, it was found that most people take a high risk loan to clear their earlier dues so that they can improve their credit rating. When you take a loan, a credit...

Read More

Loan Vs Line of Credit

For businesses to prosper and consumers to have buying power, credit needs to be made available at reasonable rate of interest. This benefits the economy as trade prospers on the basis of effective use of credit. There are many ways in which an individual or a business may avail credit. Credit is extended by any financial institution as it profits from the interest paid by the borrower over the principle. Though this basic nature of credit...

Read More

Benefits of Hiring an Advertising Agency

Advertising has reached a very high level of importance in today's fiercely competitive world. Cutthroat competition has compelled manufacturers to review their selling strategies and come up with unique and innovative ways to sell their products. This has in turn prompted them to hire advertising agencies to do the legwork for them. There are many reasons why hiring an advertising agency makes sense to a company. A few of them have been discussed...

Read More

How Advertising Will Looks Like In The Future?

Advertising dates back to the time when owners used announcers to advertise about their products in towns. Advertising is as old as 4000 B.C. and the first advertisement which appeared in the newspaper was in June 1836 in the French newspaper called 'La Presse'. From then, advertising has changed by leaps and bounds. From simple announcements to growth of new avenues, the advertising model has challenged the advertiser to actually use the term...

Read More

Manipulation Facts

There are certain things we say in order to convince others of our own ideas. This may happen in our day-to-day life, or at the workplace, or when a student tries to convince his teacher to get a higher grade at an exam, for instance. However, there are ideas that are very well phrased and which most often act in an irrational manner on the target subject and with which one has greater chances of success. Such methods are generally used in...

Read More

See How Mere Exposure Affects Advertising

The objective of advertising is to entice consumers to develop a preference for a brand over others to increase sales for the company. This is just the truth in plain, but, brutal words. You may think that, as a consumer, you are immune to these advertising tactics and that, you buy what you think is value for your money and suits your tastes. So, let me burst that bubble for you and dish out some dirt on advertising, called the 'mere exposure...

Read More

How to Manage your Business

Have you always wanted to own a small business that will allow you the opportunity to be your own boss? While starting your own cafe or book shop may seem like a distant dream, once you have your initial capital in hand, running your own business can be child's play as long as you learn to manage a business effectively. If you want to manage a small business, then you need to be aware of the responsibilities that come with the job. Depending...

Read More

Business Management and Administration

If you are someone who enjoys working with people, and have an ability to motivate and lead them, if you are a good planner and have been known as an excellent organizer - you are simply cut out for a career in business management and administration. To enter this profession though, you will need to get into a business school and get an MBA degree. Below is some useful information on the kind of training, studies and experience you can expect...

Read More

Business Acumen

It is a well-known fact that every businessman cannot become a legend and every business cannot be extremely profitable. The definition of business acumen is related to the ability of a person to run his venture successfully. Business skill can be developed by consistent work and concentrated efforts. Before we know how to develop these skills, let us first understand its meaning in detail in the next section. Meaning of Business Acumen Business...

Read More

Choosing the Software for Your Business

Whether you’re starting a new business or expanding an existing one, the software you use can make things much easier - or much more complicated. There are about a zillion different programs of varying function and capability, ranging in price from a few hundred dollars to a few hundred thousand dollars - but that doesn’t mean you should necessarily go for the most expensive one you can afford. Cost is always a factor in business management...

Read More

New Job Tips For The First Day

A new job is synonymous with meeting new people, adjusting to a new environment, doing new work, and yes, coping with a new boss! With so many new things round the corner, you feel excited as well as nervous. Over-excitement and nervousness can mar your impression at the workplace on the first day, and this is something you don't want happening. In today's materialistic world, everything from your attire to your demeanor has a say in creating...

Read More

Richard Branson Biography

Making a lot of mistakes and learning from them is what life is all about and who else can define 'impossible' better than this stalwart, who has made it large in life. You can call him the man who believed in his abilities, or the young boy who was dyslexic and a school dropout. Sir Richard Branson, noteworthy to be regarded as a touchstone for youngsters, has always believed in the power of his dreams and the secrets of his heart. Sir Richard...

Read More

What To Be Considered Before Starting Your Own Business

Let’s face it - working for someone else can really suck. Who among us hasn’t fantasized about having our own business? No overbearing boss, a team full of stellar talent, and customers beating down the door. You call the shots and you reap the reward - makes it much easier to get out of bed at 6:00 AM on a Monday morning. The thing is, your fantasy sort of begins in the middle - it doesn’t include the extremely difficult start-up phase. It...

Read More

All About Personal Finance for College Students

College is often a student’s first experience with total independence, and the natural tendency is toward hedonism. You will undoubtedly spend the first month or so methodically doing all the things you could never do at home. This is totally fine and completely natural (but keep it safe, guys) - as long as you calm down and get to work once the rebellion is out of your system. Because now you have to act like a grown-up person, with finances...

Read More