web analytics
Insights on money, career and trading

Short Term Financing: Judging Its Suitability

Posted on November 1, 2013 by Daniel at 4:54 pm


One of the reasons why payday loans are alternately known as short term loans is because they are ideal for meeting short term or temporary financial urgencies. It is ideal for those who are able to borrow responsibly. Go further through the post in order to know what “borrowing responsibly” is all about.


Smart Things to Do if You Came Into a Large Sum of Money

Posted on November 1, 2013 by Daniel at 4:17 pm


Have you recently come into a large sum of money? If so, you may already be planning all of the great ways to spend it. Perhaps you are thinking that you would like to take a nice vacation, buy a new car or even purchase a new house. Unfortunately, without proper planning, your money is not likely to stretch quite as far as you think it will. To use this money wisely and make the most of all you have just received, there are a few things you should keep in mind before you spend even a dime. These tips will help you get the most for you money, even if your dream vacations gets put on hold for a little.


Best Casinos to visit around the world – Venetian Macao; Macau

Posted on October 30, 2013 by Daniel at 12:26 pm

Some of the most beautiful modern buildings in the world are casinos, or at least casino hotel resort complexes and many are well worth making the effort to visit even if you need to divert your journey in order to do so. If you ever find yourself in or near Macao or Hong Kong, then do take the opportunity to visit the Venetian Macao, which is one of the best casinos to visit in the world. Even if you are not attracted by the magnificent gaming floors, then there are still plenty of alternative attractions to enjoy there.
Not only is the Venetian Macao one of the most beautiful casinos you are likely to come across, it is the world’s largest. When it was built it was the second largest building ever constructed in terms of floor area. It is a world away from the experience of playing on an iphone casino.
The gaming area is divided into four distinct zones, each with its own special character. There have exotic names: Red Dragon, Golden Fish, Phoenix and Imperial House. In total there are around 3,500 slot machines and over 800 gaming tables covering an area of 51,000 square meters. There are also many private gaming rooms in the Paiza club exclusively for the many high stakes players who play there. As Macau is the only place in the Peoples Republic of China, there is no shortage of those.
An artificial canal runs through the centre of the complex. It is designed to emulate a typical Venetian canal, you can even take a boat ride along it in a gondola guided by a genuine Asian gondolier. The banks of the canal are lines with shops of all kinds, including many designer outlets.
If you wish to stay in the hotel, then there are around 3,000 luxury suites of various standards. The most exclusive are the Paiza suites, the Presidential suites have four bedrooms and cover 12 bays.

Would you own up if undercharged?

Posted on October 30, 2013 by Daniel at 2:29 am


Honesty, we seem to have concluded, is not always the best policy.

If undercharged in a big high street store or supermarket most of us would pocket the cash, according to new research.

Nearly three out of four (72 per cent) would take the miscalculated money if the shop was a big chain such as supermarket, found consumer website moneysavingexpert.com when it polled 3,813 people.

But a sense of propriety means that almost the same proportion, 74 per cent, said they would own up if they spotted the mistake in an independent store such as a newsagent.


Choosing the right life insurance company to suit your needs

Posted on October 29, 2013 by Daniel at 10:09 am

A wise man once told me that choosing the right life insurance company is the same as choosing a spouse – both need to complement our needs, fulfill our desires and be on side for life. I couldn’t agree more, and if you feel the same way, read on to find out my carefully-compiled tips and recommendations on selecting the right life insurance company.


Tip #1: Perform a routine family assessment

Look at your household. Are you a single man or woman content to live alone for now, or are you eager to live a life of holy matrimony? If you are married and have kids, you may want to take up a life insurance policy that covers even the little ones. A good insurance company will offer a good package so that you and your family are adequately covered.

Tip #2: Know when to avoid the hounds

Admittedly, some insurance sales representatives can be insistent and misleading at times as they attempt to sell you their company’s largest policies. The tip is to avoid sales reps that sound too pushy – only YOU know what your needs are and ultimately you will be the person who decides which policy to sign up for.

Another infamous trait to look out for in insurance reps is the urgent eagerness to sign you up during the first meeting. Obviously, he or she did not take the time to analyze your financial standing and needs. What you should do is move on and find a better rep that will take the time to truly understand your desires before choosing the right insurance firm.

Tip #3: Make an appointment with an independent broker

An independent life insurance broker will not be pushed excessively by his or her respective insurance company to make sales, so you may want to seek counsel from this individual. And with wider knowledge about the comprehensive variety of insurance products under his or her belt, you can be sure to be enlightened and armed with more information than you can shake a stick at.

Tip #4: Remember: insurance is for protection, not investment

Perhaps it was due to lack of education or awareness, but some life insurance sales reps could not differentiate between buying insurance for protection and for investment. As a consumer, it’s very important for us to remember this and select a life insurance company that knows this fact too. The financially sound thing to do is to protect you and your loved ones by buying a term life policy, and use the rest of your money to sign up for other investment products.


Tip #5: Choose a life insurance company that answers your queries

Before signing your name on the dotted line, be sure to ask your life insurance broker everything that’s on your mind. Can your policy be renewed, and if so, when? How long are premiums under guarantee that the fee won’t be increased? The right thing to do is to research questions to ask your advisor and if the answers are satisfactory, then you’ve got a good insurance company that cares about their policy holders.

Tip #6: Researching online

Any respectable life insurance company will not hesitate to put up a website to display information pertaining to their insurance products. I like to key in phrases containing names of insurance firms such as Zander insurance reviews or life insurance company testimonials to find out conversation revolving these firms. Netizens can be pretty unforgiving if they feel that they’ve been wronged by certain insurance firms so you can be sure to get the lowdown on any company you want.

Tip #7: Look before you buy

If you want to seek the right life insurance company, ask if they have a 30-day free look rule. You can use this to your advantage by looking at your policy and taking your time to understand the ins and outs. The rule should allow you to cancel your intention to buy that policy and obtain your premium if you are not satisfied.


The conclusion

Paying for a life insurance policy may only cost you as low as $15 a month, but if you don’t choose the right life insurance company, it may cost you a lot more than that. The best thing to do is to empower yourself with knowledge and make an informed decision before settling with an insurance company for life.

Five Methods to Get Promoted in Any PR Department

Posted on October 28, 2013 by Daniel at 4:02 pm

Working in public relations can be a rewarding career that offers plenty of room for growth and development. How can you improve your chances of success though? When it comes to being promoted, are there any strategies that you can use to work your way up the PR career ladder? The good news is that there is plenty that you can do to further your chances of corporate advancement. If you’re keen on grabbing that future promotion, here are some of the top tips to help you out.


Find a Mentor


Working closely with those more experienced and more qualified than you can help in various ways.


  • You’ll form relationships with those who decide your fate in the company
  • You’ll learn new PR skills through their expertise, skills and knowledge


Look to those above you in the department – your team leader or account director – and form close bonds with them. You can also try and contact relevant experts in the business, following them and picking up new skills and opportunities along the way. As you can see, bonding with the top PR professionals can help progress you in the industry. Make the effort, go out and network, and reap the rewards of being in touch with the best of the best in the public relations field.


Work on Important Projects


Instead of sticking within your comfort zone, it is also important to take on projects that are challenging. Not only will this stimulate you to succeed at work, but your superiors will recognise your motivation as well as your talent when it comes to tackling difficult scenarios and producing amazing results. Keep an eye out for new opportunities within the workplace and step forward as soon as something comes up. This added motivation will highlight you as a potential candidate for any promotions that emerge in the future.


Enrol in a PR Course


Of course, it always helps to seek out knowledge in as many places as possible. For this reason, you should look for a local corporate training institute that has classes in the relevant PR areas. It is also recommended that you talk to your supervisor about enrolling the team in public relations courses on campaign management, event organisation, corporate social responsibility and the like. This means that you can learn about all of these topics and many more, giving you added knowledge that you can use to improve your performance in the workplace. An internal promotional will surely be a step or two away after that.


Identify Your Responsibilities


If you have been given some sort of leadership role, you’ll need to realise that your responsibilities will have changed as a result. No longer will you have to fill out media lists or notify the relevant organisations. Instead, you’ll need to focus on other areas such as:


  • Guiding the strategy for media lists and broadcast outlets
  • Proofread and check all final pitches written by the team
  • Advise your subordinates about how to improve their outputs


All of this will now fall upon you as someone in a higher position. Remember that you will have to cope with this high level decision making in the PR field if you wish to continue your way up the corporate ladder. Furthermore, the careers of those below you will also depend on your efforts, making it even more imperative that you work to your utmost potential in this leadership position.


Focus on the Long Term


Despite the difficulties, you should push forward and focus on your long-term strategies. If you wish to be promoted again and again, you’ll have to acknowledge the fact that you’ll eventually land a leadership role. Once there, look at the bigger picture. Figure out how your actions will benefit yourself and those below you. Figure out how you can assist your team members in their goals while working on your own career aims at the same time. Think outside the box, focus on the entire picture, and gain the opportunity to develop yourself and your subordinates simultaneously.


With this advice, you are now ready to work your way up the public relations career ladder. The right combination of determination, knowledge and planning can certainly lead to amazing results.


About the Author:

With more than 70 short courses available, London Corporate Training (LCT) is a leading provider of management training programmes. They offer sales, operations management, and public relations courses.

Insights on money, career and trading