Payday loans can be a lifesaver when you have a sudden emergency and need a cash advance fast, but there can be a serious downside to this type of borrowing if you are not careful about who you borrow money from. The danger comes from excessive penalties that are charged on late payments by some of the less scrupulous payday lenders.Payday loans are quite different to any other type of borrowing. They are a way of accessing extra cash extremely quickly and usually without any kind of credit check. The reason credit checks are not necessary is that payday loans are always for very short periods of time and for relatively small amounts of money. Provided you can demonstrate that you have a job and a bank account, the lender can be pretty sure of getting their money back.The cost of a payday loan is usually a fixed amount, which will vary with the size of the loan. This charge in itself is perhaps not unreasonable for the service provided, but it is only appropriate as a one-off fee over that short time period. If you were to work out what that charge represented as an annual percentage rate (APR), you would see that it then became astronomical, perhaps a hundred times higher than a typical personal loan. This is because that charge is not meant to be applied over a period of time like the interest on a personal loan would be.If you don’t pay a payday loan back on the due date, you are leaving it open for the lender to apply extra interest or penalty charges. It has to be said that this is what happens all too frequently, and this is where many payday lenders really make their money, and is what they hope for and depend on. Once this process starts, the extra charges can very quickly amount to more than the original amount you borrowed. This leads to a cycle that is impossible to break out of, because the debt is for more that you are ever going to have spare in any month.It must be said that there are still plenty of responsible lenders that have fair and reasonable systems, so if you don’t pay a payday loan back when you are meant to, you can extend the period of borrowing without ridiculous charges. The important thing is to check this kind of information before entering into a loan agreement with a company. Many people focus too much on who can give the money the fastest at the expense of who is the fairest lender who will be reasonable if you are unable to stick to your original agreement.If you don’t pay a payday loan back and you do find yourself in a situation where you have mounting debts from extra charges, there are some important things to bear in mind with regard to how you get out of that situation. First and foremost, do not take out any more payday loans. They are strictly for covering exceptional expenditure, which can be paid back the following month. They are never, ever a suitable way to deal with a debt problem or ongoing shortage of cash.As debts mount up extremely quickly with payday loans, you need to seek help quickly. Once you know you have a problem that you cannot see a way out of, do not delay in taking action. A debt management company will be a good place to start and you can apply quickly and easily online. What happens next is that they will contact you to go through your finances and advise you on your best course of action.You can avoid the nightmare of a payday loan debt cycle by choosing your lender carefully in the first place. You should avoid any bad situations if you stick to well established and reputable companies that have a long record of successful business, and lots of satisfied customers who have already used them. It is perfectly possible to find lenders who are both responsible and trustworthy as well as having fast and simple application processes.The best approach is to use payday loan companies that are recommended following research and reviews, to come up with a list of a few that you know to be reputable and well established. You then have a few safe ones to apply to in case any reject your application
What Happens If You Don’t Pay a Payday Loan Back on Time – Help and Advice
Getting Up to Speed With Digital Marketing
In this present day of advanced technology and the speed of which it is happening, it will come as no surprise that most business these days are looking at digital marketing as a way to increase their business and their awareness in the market place. No doubt you are after an effective way to streamline your business in line with technologies, so it essential to have in place a well thought out digital plan that is quantifiable and easily implemented.Make sure that the business you are running is taking full advantage of the resources that it has, to be able to put into place, well defined and effective online marketing and planning. How do you optimise the people that visit your web site and what precisely are the reasons and statistics that make them visit your site? Analysis of these figures will provide you with being able to make sure that your business in the position of making these people comes back time and time again.It is well to consider getting in an experienced team of professional people who specialise with digital marketing, as this will go a long way to enhancing your business, and with the current market place being so competitive in whatever business it might be, having the edge or at least being at the forefront of the technology like online marketing is essential. Getting the correct feedback and response from your all importunate customer, will be achieved by using all the strategies that you have put in place which have been targeted and expertly executed.We all know that having foresight in business is one of the sure ways for a business to be successful and in the competitive market that we now live in, it is wise to plan well in advance and making use of a digital marketing agency is a sure way to implement this. If you look around at the businesses that are in the market you will quite possibly find after doing a little bit of research more than over fifty percent plus are now looking to actually significantly up their budget on digital marketing, this would imply that competition is set to get even tougher, and if you want to keep your head out in front, investment in the digital marketing has got to be something to be done in the near future.So it is not a surprise that companies who were not contemplating digital marketing some years ago, saying it did not have any application for their business, are now actively looking to make this a fundamental part of their business. The future of your business could well lay in the implementation of digital marketing and investment with this online type of marketing. Take advice from a digital marketing agency, which will be able to maximise all the potential your business has to make for digital marketing work for you. It is something you will not regret, and there is no reason you should feel left out in this specific area.
How to Process Your Online Business
If you are still trying to figure out some-process to start an online business, you are going to find these online business strategies very useful.Conduct marketing researchBefore you decide to market business ideas online you should begin by doing research to find a profitable niche. If you do a thorough research on the internet you can find very profitable niche. Your researching process may take longer than usual if you are just starting out but you want to complete this process before moving on. You have to do your own research on a specific niche to understand the target market. Everything will become much clearer and easier to understand when you do research.The internet provides you with research on every business topic but you will still need to find your areas of strength. Doing business research online is low-cost on your budget list because online business research is easily accessible. You can get free or in-expensive market research done on any online niche. If this is your first time doing online business research or if you are still not aware of any research ideas then you need do some more researching online to find your best business ideas; the internet makes it easy to get high-profile research list.Join a business group/networkWorking with a team of individuals who are experts and knowledge-able about online business will help you to become more focus on your goals. There are many things to do with online business and if you are not well prepared you won’t get anywhere. A business group or network is where you will find most online success story. It is worthwhile joining a business group especially if you are just starting out online.A business group is a team of marketers and internet business prospects working and marketing online.These sites set-up a marketing system to train, discuss business and implement marketing ideas where all members are given credits, bonuses and products to use in promoting. Some of these businesses use a fee base program so you may have to invest some cash as you progress. A business group or network provide you with information you are looking for and you will have to evaluate the best situation for yourself.Find products to promoteAfter you decide on your market you will need to find a product to promote. If you are not familiar with the techniques of finding the right products, you will need some expert advice. It is normal for beginners to go wild when choosing their first product to promote but if you can follow some basic instruction choosing a product niche is a breeze; you can seek the help of an advisor, mentor or group experts to assist you with product selection.A product-line may consist of multiple offers or a single offer; you should know to choose wisely. There are some basic rules to follow if you are promoting products from the market-place like clickbank.com but the formula that is repeating over and over again is choosing high gravity products. The rest depends on your promotion methods. If you join a business group or network, you should have a few products to begin with and if you want more exposure online for your business you may want to venture into other market to find a product niche.The opportunity to find product online to promote is easy to research because you can choose product from the market-place like clickbank.com that gives you access to product information and stats report; you can mix and match products to compliment your market.
Financing Cash Flow Peaks And Valleys
For many businesses, financing cash flow for their business can be like riding a continuous roller coaster.Sales are up, then they do down. Margins are good, then they flatten out. Cash flow can swing back and forth like an EKG graph of a heart attack.So how do you go about financing cash flow for these types of businesses?First, you need to accurately know and manage your monthly fixed costs. Regardless of what happens during the year, you need to be on top of what amount of funds will be required to cover off the recurring and scheduled operating costs that will occur whether you make a sale or not. Doing this monthly for a full twelve month cycle provides a basis for cash flow decision making.Second, from where you are at right now, determine the amount of funds available in cash, owners outside capital that could be invested in the business, and other outside sources currently in place.Third, project out your cash flow so that fixed costs, existing accounts payable and accounts receivable are realistically entered into the future weeks and months. If cash is always tight, make sure you do your cash flow on a weekly basis. There is too much variability over the course of a single month to project out only on a monthly basis.Now you have a basis to assess financing your cash flow.Financing cash flow is always going to be somewhat unique to each business due to industry, sector, business model, stage of business, business size, owner resources, and so on.Each business must self assess its sources of financing cash flow, including but not limited to owner investment, trade or payable financing, government remittances, receivable discounts for early payment, deposits on sale, third party financing (line of credit, term loan, factoring, purchase order financing, inventory financing, asset based lending, or whatever else is relevant to you).Ok, so now you have a cash flow bearing and a thorough understanding of your options available for financing cash flow in your specific business model.Now what?Now you are in a position to entertain future sales opportunities that fit into your cash flow.Three points to clarify before we go further.First, financing is not strictly about getting a loan from someone when your cash flow needs more money. Its a process of keeping your cash flow continuously positive at the lowest possible cost.Second, you should only market and sell what you can cash flow. Marketers will measure the ROI of a marketing initiative. But if you can’t cash flow the business to complete the sale and collect the proceeds, there is no ROI to measure. If you have a business with fluctuating sales and margins, you can only enter into transactions that you can finance.Third, marketing needs to focus on customers that you can sell to over and over again in order to maximize your marketing efforts and reduce the unpredictability of the annual sales cycle through regular repeat orders and sales.Marketing works under the premise that if you are providing what the customer wants that the money side of the equation will take care of itself. In many businesses this indeed proves to be true. But in a business with fluctuating sales and margins, financing cash flow has to be another criteria built into sales and marketing activities.Overtime, virtually any business has the potential to smooth out the peaks and valleys through a more robust marketing plan that better lines up with customer needs and the business’s financing limitations or parameters.In addition to linking financing cash flow more closely to marketing and sales, the next most impactful action you can take is expanding your sources of financing.Here are some potential strategies for expanding your sources for financing cash flow.Strategy # 1: Develop strategic relationships with key suppliers that have the ability to extend greater financing in certain situations to take advantage of sales opportunities. This is accomplished with larger suppliers that 1) have the financial means to extend financing, 2) view you as a key customer and value your business, 3) have confidence in the business’s ability to forecast and manage cash flow.Strategy # 2: Make sure where possible that your annual financial statements show a profit capable of servicing debt financing. Accountants may be good at saving you income tax dollars, but if they drive business profitability down to or close to zero through tax planning, they may also effectively destroying your ability to borrow money.Strategy # 3: If possible, only transact with credit worthy customers. Credit worthy customers allow both the business and potential lenders to finance receivables which can increase the amount of external financing available to you.Strategy # 4: Develop a liquidation pathway for your tangible assets. Equipment and inventory are easier to finance if lenders clearly understand how to liquidate the assets in the event of default. In some cases, businesses can get resale option agreements on certain equipment or inventory from prospective buyers assignable to a lender to be used as recourse against a lending facility for financing cash flow.Strategy # 5: Joint venture a sales opportunity with another business to share the risk of a large sales opportunity that may be too risky for you to take on yourself.SummaryThe primary long term objective of a business with fluctuating cash flow and margins is to smooth out the peaks and valleys and create a scalable business with more of a predictable sales cycle.This is best achieved with an approach that including the following steps.Step #1. Micro Manage your fixed costs and cash flow and accurately project out the cash flow requirements of the business on a weekly basis.Step #2. Take a detailed inventory of all the sources you have for financing cash flow.Step #3. Incorporate your financing constraints into your marketing approach.Step #4. If possible, only transact with credit worthy customers to reduce risk and increase financing options.Step #5. Work towards expanding both your financing sources and available source limits for financing cash flow.Business cycle stability and cash flow predictability is an evolutionary step for every business. The industries with longer sales cycles will tend to be the more difficult to tame due to a larger number of variables to manage.A continuous focus on the process for improvement outlined will help create the desired results over time.
More Freedom With an Online Business
Wouldn’t you want to wake up when ever you want, spend more time with your children, hang out at home or go to the mall when ever you want? Wouldn’t you want to sleep in as much as you want or take a vacation if you want? Would you like to have more control over your life? Would you like to dictate when and how to work? If you answered yes to these questions, the solution is starting an online business. When you start an online business, you get a lot of business and flexibility and freedom. You pretty much own your time. You don’t have to worry about clocking in somewhere, working 9 to 5 or whatever the regular schedule is. You can pretty much do what you want. You can go offsite, hang out at Starbucks while working or work while enjoying the sun at the beach. The good news is that online business owners have done this ahead of you and they are doing it now. There is nothing stopping you from joining you. If you are still not convinced, here are the top 3 reasons why you should start an online business.1. Future-proof
It is easier to future-proof your online business than an offline one. With an offline business, your costs are fixed. Office rents, insurance and employee costs are fixed. The problem is when businesses go through up and down cycles, you might get crushed. In other words, you didn’t contingency-proof your business. With an online business, you have a lot more of flexibility with your costs so you can take more shocks. More importantly, you can adapt to these changes. So your business survives through the challenges.2. Your personal life
You can devote more time to your passions when you don’t have to stick to a schedule or report to a particular office. You can learn a new skill, go back to school, spend more time with your children, put in more time with your church or anything that is important to you when you have an online business. Your online business makes money while you are sleeping.3. Scalability and flexibility
Some online businesses are more scalable and flexible than others. Some allow you to work only once but make money many times over based on that one time you worked. For example, if you sell online books, you only worked once to write, but you make money many times over when people buy it. Do you see where I am going with this? So you have to figure out a way if you want greatest freedom and flexibility to scale up your business in such a way that you don’t have to work again to produce that income. There are many business models online that meet this need.
Kaplan University Online Health Sciences Degree
Kaplan University School of Health Sciences has online health sciences degrees at associate’s, bachelor’s, and master degree levels. Their School of Health Sciences could pave the way to a rewarding career in some of the largest expanding and versatile careers in today’s health care industry. Their online degree programs are designed to provide a solid and well rounded education to you so that you will be able to help others in the health care industry upon graduation. If you keep up with the health headlines, you already know that America’s health care system is changing everyday. Future medical and health managers must be able to handle complex situations and new technology, economics, finance, and policies. Kaplan’s bachelor degree in health sciences will provide you with a solid foundation in the health care management field and a master’s degree in health care administration will put you in a position for leadership and management positions. Kaplan University’s educators are experts in their field with hands on experience, ensuring that you get the most up to date education from excellent professors.Online degrees in this field offer a lot of freedom because of all the career paths available. Some include nursing, hospital administration, and even working in a doctor’s office. According to the US Bureau of Labor Statistics, jobs in the health care industry are said to increase 22 percent to 2016, which is twice as much as average for other careers. Current salaries for these professionals is $57,000 to $250,000!If protecting and improving the health of many people is your passion, consider earning your online health sciences degree. An online degree could be the best choice for you if you are a working student or parent who doesn’t want to sacrifice time on work to go back to school. Online degrees are convenient since you can access your courses at any computer at any time you feel easiest.Request more information from Kaplan University and they will contact you shortly.
Make Your Own Premium Anti-Aging Skin Care Blends at Home
Have you always wanted to try the world’s finest skin care product, but found the prices somewhat outrageous? Ever considered making your own? It’s so easy to do, and you can create a formula precisely to match your skin type, with remarkable effective natural and pure botanicals (plant-based ingredients). Making these yourself will give you a skin care product that matches or exceeds the effectiveness of anything you can buy over the counter at a truly affordable price. Try one of these recipes and you may never go back to fancy labels, boxes and prices ever again!Essential Oils: The Best Skin Care BotanicalsYou’ll find essential oils in every “high end” mature skin beauty product, though sometimes you’ll see them discretely labeled as “plant extracts” or similar terms. The thing is that many folks still don’t realize that essential oils truly are medicine, not just fine smelling precious liquid in tiny bottles. When you understand that essential oils are simply the concentrated “volatile” (easily evaporated liquid) constituents naturally present in ALL plants, you’ll see that they’re nothing less than any other herbal concentrate. And essential oils are so very compatible with our skin — they are very easily absorbed — that they can actually work better than other types of botanical skin care ingredients. Making a custom recipe for yourself is as simple as matching the therapeutic properties of the essential oils to your skin’s needs — then mixing them together with one or more “fixed” oils, and voila! You’ve got the perfect daily skin care creation.
Woman’s Oil of Beauty: Rose Essential Oil
Again and again, in every natural skin care recipe book, one finds one oil more highly regarded than any other — Rose Otto, the steam distilled variety of Rose (it is also found as an Absolute, which is more appropriate for natural perfumes). Rose Otto has a host of therapeutic skin care properties: it hydrates without being greasy, it’s gently antiseptic, soothing to damaged skin, can heal broken capillaries, and supports the skin’s natural metabolism. It is also the most important oil for women for its heart opening, anti-depressant action — considered the “oil of the highest vibration” used in aroma-therapeutics. While a bit pricey, it’s very potent; only a few drops are needed in any recipe.Calendula: Nature’s Healing Magic
Calendula oil has been used for hundreds of years for all sorts of skin care uses. Its exceptionally soothing, with the traditional use being for infant’s skin care. The flowers have been hard to work with however, limiting the uses of this magnificent medicinal plant. A new extraction technique now offers us a Calendula oil concentrate, often labeled Calendula CO2. This new extract is highly antioxidant, powerfully wound-healing, and one of the most effective soothers of irritated or damaged skin available on Earth.Companion Oils for Balance and Vitality
One or more of these three oils are excellent companion oils to the Rose and Calendula. Rosemary “Verbenone” is a skin-care specialty oil, distilled from a particular variety of Rosemary herb. Long used in all sorts of body care preparations, Rosemary is thought to work by stimulating cellular metabolism (increasing the amount of nutrients getting into our skin cells), speeding the creation of new cells, and enhancing our skin’s vitality. Helichrysum is even more potently regenerative — often used in wound healing, Helichrysum will also increase new skin cell production, while drawing waste products from skin tissues. And lets not forget Lavender, the Grand-Daddy of skin-care medicine. Lavender is regenerative, antiseptic, anti-inflammatory, and aids skin conditions where stress may be an underlying factor.For specific skin care needs, we’ll also include Sandalwood and Myrtle essential oils in certain blends (you’ll see which oils go with which skin type in the recipes below). Both these oils are considered excellent for acne-prone skin. Myrtle is potently antiseptic, regenerative, and commonly found in acne and oily-skin formulas. Sandalwood is hydrating AND an excellent treatment for acne. Myrtle offers a great herbaceous “high note” to your blend, while Sandalwood gives a lovely earthy tone.Holding It All Together: Your Formula’s BaseWhile the essential oils are often considered the “active ingredients”, its important to consider the “carrier oils” are exceptionally therapeutic as well. For these recipes, we highly recommend the use of two very well-regarded tropical nut oils: Coconut and Kukui. Coconut has a very long history (thousands of years, actually) in skin care, mentioned often in Ayurvedic medicine. It is antimicrobial and hydrating (spanning the needs from the acne prone to the chronically dry). Kukui has similar properties, and remains liquid at room temperature — allowing easy mixing and application of your custom recipe. These two oils have been used by peoples of tropical climes to care for the skin of the young and old, successfully, for so long — and now you too can reap their benefits.Rosehip Seed: A Woman’s Beauty Gift from the Mountains of Chile
For everyone EXCEPT those prone to acne, Rosehip Seed oil is the third important base oil. Rosehip seed naturally balances the incredible tropical nut oils, coming from the high mountain arid regions of South America. Rosehip seed may be the most thoroughly studied carrier oil for skin care use — and with excellent results. Rosehip has been shown to significantly reduce the appearance of wrinkles, fine lines and scars, while smoothing overall skin texture and color. Imagine what its going to do with all these other top-notch therapeutic ingredients…let’s get on to mixing them.Get Yourself Started With These Ingredients and Instructions
Gather your ingredients: 1 glass bottle 30 or 60ml (1 or 2 ounces), preferably colored glass (helps protect the oils) with an eyedropper (makes it easy to dispense your formula later). ALL recipes are for EACH FLUID OUNCE, so you’ll want to know the size of our bottle to make measuring easier. A funnel might make things easier as well. And of course your selected base oils and essential oils (note for purchasing oils — the recipe calls for drops, and essential oils are sold in milliliters — there are 25 drops per milliliter).Mixing instructions: Add the required number of drops of each essential oil to your empty bottle. If making 2 ounces, double the amounts, 4 ounces, 4 times, etc. With a funnel, add approximate amounts of your carrier oil — if using all three carrier oils, for example, just fill the bottle about a third of the way with each oil. Don’t overfill, as you won’t be able to get the eyedropper in (if using one) without spilling! Gently invert the bottle several times and let set for a bit. The aroma will not really be brilliant until the following day, but you can use the mixture right away. The formulas are designed for using one to 3 times per day. On to the recipes:Brilliant Beauty Recipes for All Skin Types:
Moderate to sever dry skin with smile lines: Rose Otto 8 drops, Lavender 12 drops, Calendula CO2 6 drops, three parts Coconut and one part each Kukui and Rosehip seed oils.Mature skin with scars or color variations and smile lines: Rose Otto 6 drops, Lavender 8 drops, Helichrysum 6 drops, Rosemary V. 6 drops, Equal parts Coconut, Kukui, and Rosehipseed oils.Irritated or sensitive skin, perhaps with broken capillaries: Rosemary 8 drops, Lavender 6 drops, Calendula CO2 6 drops, Sandalwood 6 drops, in three parts Coconut and one part each Kukui and Rosehip seed oils.For oily, acne-prone or combination skin: Myrtle 10 drops, Lavender 8, drops, Rosemary V., 6 drops, in equal parts of Kukui and Coconut oils.Four easy recipes to get you started — and there’s so many essential oils to choose from, with a range of therapeutic properties. These blends described here can be VERY effective, and by making them yourself this first time, you’ll open up whole new doors to formulating your personal, customized, high-end skin care at a fraction of the cost of the Big Names in the business. May you have beautiful, healthy skin where every you go!
Ten Reasons to Become a Pharmacy Technician
So, you’ve been in the job market or plan to hit it soon and are looking for promising professions to join. While one solid reason often suffices to start a career in a particular field, we can give you ten reasons for becoming a pharmacy tech.But before that, let’s try and understand what exactly is it that a pharmacy technician does. Pharmacy technicians are allied healthcare professionals trained in performing administrative, clerical and pharmacy-related tasks under the direct supervision of a licensed pharmacist.You could call them the eyes and ears of a pharmacist as they provide a range of support services that help pharmacists fulfill their primary responsibilities. Here are top ten reasons why becoming a pharmacy technician may be a smart career move:Reason #1Positive job outlook: The U.S. Bureau of Labor Statistics has projected a much faster than average growth in the employment of pharmacy technicians over the next decade. According to the bureau, the growing number of older people requiring medication and advances in pharmaceutical research are expected to cause a 32 percent increase in the employment of pharmacy techs in the 2010-20 period.*Reason #2Minimal training requirement: Although pharmacy technicians do not have any formal educational requirements and can be trained on the job, but judging by the current employment trends, it’s best to complete a post secondary pharmacy technician training program and get professional certification to enjoy maximum opportunities. Career training in the field is available at vocational schools as well as community colleges. The training, depending on the program you choose, can last from a few months to a year.Reason #3Attractive remuneration: Pharmacy technicians enjoy attractive compensation, especially considering the fact that the educational prerequisites for the job are rudimentary at best compared to some of the other healthcare professions like nursing. According to the latest payscale.com data, pharmacy technicians make an average of $8.04 – $15.56 per hour or $16,773 – $35,199 per year in total pay, which includes annual salary, hourly wages, bonuses, overtime, tips, commissions, profit sharing, and other types of cash earnings.**Reason #4Online career training: Many schools offer online pharmacy technician training courses that are not just a flexible and convenient alternative to classroom training, but also accepted by employers as valid educational programs.Reason #5Flexibility in work schedule: Since a lot of pharmacies, especially the ones in hospitals, function round the clock, pharmacy techs may enjoy the flexibility to pick a work schedule that suits them. If you have other commitments during the day, you can request your employer for a late work shift.Reason #6Many work opportunities are available: Pharmacy technicians work in a variety of settings including hospital-based pharmacies, retail pharmacies, local drug stores, grocery and departmental stores, insurance companies, pharmaceutical research facilities, etc.Reason #7Opportunity to develop career skills: The job of a pharmacy technician can be a platform to develop important career skills that are also transferable from one job to another.Reason #8Work in clean environment: People with this job usually work in extremely clean and pleasant environment. In fact, part of their job is to keep the space they work in uncluttered and sanitized, so patients and/or their families can get their prescriptions filled without having to worry about contracting infections.Reason #9Potential to grow: With experience and further training, pharmacy technicians can rise up the ranks to supervisory roles. The work also provides an excellent training ground for pursuing advanced education in the field.Reason #10Become a part of the healthcare vertical: Becoming a pharmaceutical technician will provide you a chance to be a part of the flourishing healthcare sector and enjoy the prestige, stability, and gratification it offers. Not only will you receive the perks that come with being a healthcare professional, but you will also return home each day satisfied and content with having helped people at their time of need.Sources:*bls.gov/ooh/Healthcare/Pharmacy-technicians.htm#tab-6**payscale.com/research/US/Job=Pharmacy_Technician/Hourly_Rate