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There are numerous ways to consolidate your loans. I believe that the first thing you should do is get your credit report and FICO score. This will help decide your options in debt management and lead you on the right path. If it makes financial sense, we will go over a few ways to combine any lingering loans you might have out there and hopefully have a lower rate to save you money.Source: http://ezinearticles.com/6358406
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As President of an executive search firm by the name of KAS Placement, we are fiscally and morally forced to be careful regarding the clients whom we bring on. If my firm brings on clients that nobody wants to work for, is compensating well under market or simply are not pleasant as individuals, it takes a whole lot longer to find the right applicant.
It comes down to cost per hour of work. Picture yourself as a matchmaker. Do you think it would take longer for you to find Kate Hudson a date or to broker Liza all over town?
An attorney would woo Liza all over town. However, the majority of staffing agencies don't bill hourly rates. A temp. staffing firm would be an exception, though.
A second reason as to why staffing agencies should choose carefully as to whom they want to work with is company image and company branding. A brand is a long-term investment.
Working with inept, unfriendly, poorly financed and overly demanding clients will yield any staffing agency some money for the short term (and sometimes for the long), however any recruiting firm that will amount to anything is only as good as their client base.
How can a staffing agency decipher whether the client that you're eventually going to be interviewing to is worth everyone's time, money and energy?
A plethora of variables exist. Here are a few.
Observance of the people within the office and the office itself
- Aesthetics - "The Ugly."
When determining whether taking on a client for a staffing agency is going to be worth my company's time, the look and feel of that company's office takes on a very interesting role.
I have been to client meetings in offices that were a pigsty. When human beings enter a new environment or meet a new person, they make a decision as to whether they are impressed, neutral or turned off within 4seconds.
Therefore, if you go into an interview through a headhunter and the office is a mess, you and the recruiter don't see eye to eye. It's best to just move on.
However, not many think to do this, but I always recommend that you watch out for the companies that have the fanciest, most lavish offices in the same buildings as companies worth 1,000x their net earnings.
- Aesthetics - "The Too Good To Pay Rent"
About 3 - 4years ago, I was invited to meet a client at his office in Downtown Manhattan. His company was a small, unknown firm (15 employees) who sold derivative research to large banks.
- Age - "Snooki Isn't Cool, But The Golden Girls Sure As Hell Aren't Either"
Every now and again, I have had to reject taking on a client because their office is too young and I don't get the sense that they have the maturity to properly walk applicants thorough the hiring process.
This scenario usually plays out with European companies who attempt to formulate an office that is hip, youthful and fun only to find out that no true leadership exists within their "U.S. division."
It's not the leadership in the company that's my problem. The problem is when I have to get on the phone with them because I am being told they have no idea how to form a team, they're sabotaging the recruiting process our contact abroad agrees and they're postponing the hire three weeks until someone from corporate flies over.
I can think of one exception, though. It's a client of mine from the U.K., but they are a rarity. Staffing agencies can't maintain profitability if they're babysitting the client.
Conversely, the opposite end of the spectrum can scare me, too. For instance, if the office is made up of very well established veteran employees, why haven't they been promoted 5x throughout their tenure?
The job seekers that my firm usually deals with are quite Type-A and they are going to want to get ahead. Therefore, if they see this they are not going to accept a job with the firm and we are not going to make as much money. Also, looking forward, odds would say that they may not be the type of client who will be consistently hiring.
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Source: http://www.legaldebthelponline.com/2011/07/03/choosing-a-superb-dui-lawyer-in-atlanta/
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An amazing take by an anonymous user on Quora on why Apple products sometimes seem so superior. Because they are. Because they get them before anyone else.
We'll just quote it because it's great as it is:
When new component technologies (touchscreens, chips, LED displays) first come out, they are very expensive to produce, and building a factory that can produce them in mass quantities is even more expensive. Oftentimes, the upfront capital expenditure can be so huge and the margins are small enough (and shrink over time as the component is rapidly commoditized) that the companies who would build these factories cannot raise sufficient investment capital to cover the costs.
What Apple does is use its cash hoard to pay for the construction cost (or a significant fraction of it) of the factory in exchange for exclusive rights to the output production of the factory for a set period of time (maybe 6 - 36 months), and then for a discounted rate afterwards. This yields two advantages:
Apple is not just crushing its rivals through superiority in design, Steve Jobs's deep experience in hardware mass production (early Apple, NeXT) has been brought to bear in creating an unrivaled exclusive supply chain of advanced technology literally years ahead of anyone else on the planet. If it feels like new Apple products appear futuristic, it is because Apple really is sending back technology from the future.
An interesting part is that the seemingly well-sourced Quora responder credits Steve Jobs with this strategy, even though "the operations guy", "supply chain genius" at Apple is usually thought to be COO Steve Cook. It goes to show just how deep Jobs' expertise and execution goes, and how different Apple will probably be without him.
Don't Miss: This Is Why Apple's Stock Is Flagging →
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Source: http://feedproxy.google.com/~r/businessinsider/~3/yLxtK0xWTYU/apple-supply-chain-2011-7
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Banks received some long-awaited news last week: the Federal Reserve voted to cap fees charged to retailers on debit card transactions at roughly 24 cents per transaction, down from an average of 44 cents. Financial institutions had feared the Fed's initial proposal of a 12 cent cap would go through, which would have been a buzz cut -- a 73% revenue loss in what trade groups estimate amounts to a $20.5 billion a year income stream for banks. The Fed also delayed implementation of the new rule until October, yet another sign of the long, heavily lobbied debate.Bank and credit card company stocks were initially up on the news, though Chris Brendler, managing director of brokerage and investment banking firm Stifel Nicolaus, cautions that American Express (AXP), which does not offer a debit card, may see its merchant fees come under increased scrutiny, as they are relatively high, especially when compared with capped debit card fees. Retailers seem less than thrilled by the outcome. David French of the National Retail Federation expressed his disappointment on CNBC, suggesting that retailers are struggling to keep the overall cost of merchandise down so they can remain competitive. Despite this, he claims, consumers are still unknowingly absorbing these fees in the form of higher prices to the tune of $427 extra per year. Somebody, somewhere along the chain is paying.
So, how will the ruling affect retail prices? Should you start using your credit and debit cards differently? What does it mean for retailers? And, how will banks make up for the lost revenue? We sat down with Schwark Satyavolu, co-founder and CEO of BillShrink to discuss these questions and more. BillShrink believes 80% of people overpay on everyday bills. Using BillShrink's bill analysis, the company estimates consumers can save, on average, $640 on credit cards per year.
Big players like Walmart (WMT) are better able to negotiate favorable rates on swipe fees from banks, which helps with maintaining "everyday low prices." But for some businesses, card processing fees can be their single highest operating expense item after staffing. Small business owners I spoke with said they have no choice but to absorb the fees. Not accepting credit cards these days is simply not an option.
"Just Take the Banana"
According to the 2010 Federal Reserve payment study, using a debit card is now the No. 1 method for making non-cash payments. So retailers small and large buy credit card processing machines and pay monthly fees to use them -- over and above the controversial banking interchange fees. In some cases, the fees can exceed the profit margins on an item as cleverly explained in this banana scenario, in which a coffee shop owner is handed a credit card for a banana and says, "Just take the banana. Don't give me the card."
Paying with plastic -- credit and debit cards -- clearly has a price. It costs retailers roughly $2 for every $100 spent. So, when you buy something for $100, the seller actually gets paid $98. Interchange fees are subtracted on the front end, as explained in this infographic:
This helps explain why some in-store credit card processing machines aggressively try to get you to enter your PIN, even going so far as to make it feel like you have to opt out of the whole transaction by hitting the largest possible red button or back arrow, if you attempt to pay any other way. On the heels of the Fed decision, as retailers continue to look for means to avoid fees, two words are likely to remain a familiar part of the checkout process: "Hit Cancel."
Source: http://www.dailyfinance.com/2011/07/03/how-the-cut-in-debit-card-swipe-fees-will-affect-you/
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In this day and age it is not an exaggeration to state that a person's FICO score truly dictates their financial future, so the increasing concern over ones score is merited indeed. Lately a number of my clients have inquired as to whether I can suggest a good credit score counseling service so that they can be provided with a detailed appraisal of their credit situation. This article highlights ways that you can initiate a plan to either maintain a high credit score or improve it if necessary without having to incur the cost of having someone else do it for you.Source: http://ezinearticles.com/6376113
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| Source: WSJ.com (added by EconMatters) |
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