Networking Company – Web Link http://web-link.biz/ Wed, 21 Jul 2021 11:13:12 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://web-link.biz/wp-content/uploads/2021/06/icon-1-150x150.png Networking Company – Web Link http://web-link.biz/ 32 32 A renewed global agenda for women and girls https://web-link.biz/a-renewed-global-agenda-for-women-and-girls/ https://web-link.biz/a-renewed-global-agenda-for-women-and-girls/#respond Tue, 20 Jul 2021 03:41:26 +0000 https://web-link.biz/a-renewed-global-agenda-for-women-and-girls/ It is time we led the implementation of interventions that prioritize meeting the needs of women and girls at home and abroad. The Rwanda Women’s Network set up remote check-in points where women could stock up on groceries while connecting around their health and safety. (Strong Women International) Last year, on International Women’s Day, our […]]]>

It is time we led the implementation of interventions that prioritize meeting the needs of women and girls at home and abroad.

The Rwanda Women’s Network set up remote check-in points where women could stock up on groceries while connecting around their health and safety. (Strong Women International)

Last year, on International Women’s Day, our world came to a halt. This Women’s Day, we have the rare opportunity to make this world a much better place for women and girls.

We must seize this opportunity.

As COVID-19 has ravaged almost every corner of the planet, we have been forced to take a critical look at our politics, governance structures and cultural practices. We have learned a lot about what happened and why, and what needs to happen now, if we are to build a fairer and more resilient world.

The impacts of the pandemic on women and girls have been severe, and the challenges ahead are legion: millions more girls and women are out of school and out of work, incidences of sexual violence have exploded and the Access to sexual and reproductive health care has been severely limited, with those in remote areas, conflict zones and refugee camps the last to be served.

Of course, the deep structural inequalities that hurt girls and women around the world predate the pandemic. And as essential frontline workers in the fight against COVID-19, women’s health, safety and income remain at high risk.

A renewed global agenda for women and girls
Rwanda Women’s Network distributes essential supplies in the aftermath of COVID. (Strong Women International)

Still, there is good news. Emergency relief packages have eased the pressure on vulnerable communities, in large part thanks to the ingenuity and fearlessness of local women’s organizations familiar with the needs on the ground.

Fortunately, COVID cases and deaths are less than feared in many low-income countries, where vaccinations are finally underway, giving hope to those whose livelihoods have been crushed that a recovery is indeed underway. view. Importantly, more sex-disaggregated data is now being collected, making it easier to see who has been left behind, at what cost, what interventions will address these inequalities, and what resources are needed to design and implement them. .


If you have found this article useful, consider supporting our Independent Reporting and Truth Disclosures for as little as $ 5 per month.


Now that the United States is once again ruled by champions of women who care about gender rights and dignity, science, truth, and our destiny as individuals, nation and planet, it It is time for us to lead the implementation of those interventions that prioritize meeting the needs of women and girls at home and abroad.

Fortunately, the Biden-Harris administration began to function, with the establishment of a Gender Policy Council in the White House, tasked with coordinating all policies affecting women and girls “on a wide range of issues such as economic security, health care, racial justice, gender-based violence and foreign policy.

And President Biden quickly repealed the so-called Mexico City policy or global gag rule, freeing up hundreds of millions of dollars for foreign NGOs and the United Nations Population Fund to implement programs. maternal and child health and family planning. This action alone will save countless lives and strengthen the ability of hundreds of nonprofit healthcare organizations to see and treat their patients.

Nationally, the adoption of the President’s care program is now urgent, with its vital support for wage increases, childcare, worker protection, paid family and sick leave, credit tax and unemployment insurance. We also need to strengthen laws governing sexual harassment and discrimination in the workplace. Nationally and internationally, COVID relief is expected to include internet access for women and girls, digital payment platforms to transfer money directly to women, and access to loans, lines of credit and e-commerce platforms for women-owned businesses – which tend to be smaller and more vulnerable to economic shocks.

(Marc Nozell / Flickr)

Beyond the immediate emergency, the United States, working closely with our allies and other international partners, should create global plans for progress in three areas critical to the advancement of women: our health, our education and our outlook for life, and our built and natural environment. On all of these issues, women leaders around the world must be at the decision-making table, bringing their expertise from a wide range of local communities, religions, professions, universities and national governments.

To strengthen our health systems around the world, we need to reduce maternal and newborn mortality, expand access to adolescent sexual and reproductive health care, and strengthen the supply of vaccines and other pharmaceuticals, medical personnel, and clinical facilities and medical equipment.

The international community is responsible for mobilizing sufficient resources to expand access to kindergarten through university education, building on the work of the United Nations Education First in the World Initiative. world. Once children have returned to school safely after the pandemic, strategic international investment in education can ensure that every human being has legitimate access to quality education, preparedness for life. workforce and professionalization, thereby improving the status, self-esteem and influence of women.

With more women than men living in slums and much of their work anchored in now ravaged informal economies around the world, the United States and its allies should finally focus on creating the right conditions as well. prosperity of human settlements: safe housing, water and sanitation, transport, schools, parks and workplaces. This long-delayed investment is an opportunity for multilateral cooperation as well as for public-private-community partnerships to draw inspiration from women and local communities and build sustainable and vital infrastructure, generating countless green jobs in construction and en route services.

Of course, more needs to be done. But if a renewed America can help bring the international community together to implement an agenda based on these top priorities, the world will look much brighter for women and girls, and there will be no turning back.

You may also like:


The coronavirus pandemic and the response of federal, state and local authorities are evolving rapidly. Meanwhile, Mrs. continues to focus on aspects of the crisis, especially as it has an impact on women and their families, often overlooked by mainstream media. If you have found this article useful, please consider supporting our independent reporting and truth disclosures for as little as $ 5 per month.

]]>
https://web-link.biz/a-renewed-global-agenda-for-women-and-girls/feed/ 0
Minnesota lawmaker’s attorney denies reports of domestic abuse https://web-link.biz/minnesota-lawmakers-attorney-denies-reports-of-domestic-abuse/ https://web-link.biz/minnesota-lawmakers-attorney-denies-reports-of-domestic-abuse/#respond Tue, 20 Jul 2021 03:41:25 +0000 https://web-link.biz/minnesota-lawmakers-attorney-denies-reports-of-domestic-abuse/ ST. PAUL, Minn. (AP) – Lawyer for a representative of the Democratic state of Minnesota facing calls to resign over allegations of domestic violence says the reports are not true and could be part of a smear campaign against the law enforcement. Governor of Minnesota Tim walz and leading Democratic state lawmakers call the state […]]]>

ST. PAUL, Minn. (AP) – Lawyer for a representative of the Democratic state of Minnesota facing calls to resign over allegations of domestic violence says the reports are not true and could be part of a smear campaign against the law enforcement.

Governor of Minnesota Tim walz and leading Democratic state lawmakers call the state representative. John thompson to resign following reports of allegations of domestic violence in his past.

Reports say that Thompson is charged in four domestic assault cases, spanning a period between 2003 and 2009, including allegations that Thompson hitting and strangling women, sometimes in the presence of children.

Thompson’s lawyer, Jordan kushner, asserts that his client “maintains that the allegations are false and that he has never been found guilty of them by a court”.

LOOK: What important laws were passed in the year you were born?

The data in this list was acquired from reliable online sources and media. Read on to find out which major law was passed in the year you were born, and learn its name, vote count (if any), impact, and meaning.

Inside Amazon: A Detailed History of America’s Largest Online Retailer

Stacker has compiled a list of key moments in Amazon’s history and its current activities from various sources. Here’s a look at the events that turned an online bookstore into a global conglomerate and a self-taught entrepreneur into the second richest man in the world.
]]>
https://web-link.biz/minnesota-lawmakers-attorney-denies-reports-of-domestic-abuse/feed/ 0
Man dies in fatal shooting at Rayne grocery store https://web-link.biz/man-dies-in-fatal-shooting-at-rayne-grocery-store/ https://web-link.biz/man-dies-in-fatal-shooting-at-rayne-grocery-store/#respond Tue, 20 Jul 2021 03:41:25 +0000 https://web-link.biz/man-dies-in-fatal-shooting-at-rayne-grocery-store/ Jonathan Dixon, 22, from Rayne was found dead over the weekend at King City Grocery Store in the 200 block of West Jeff Davis Avenue and Rayne’s police need your help trying to figure out who shot them. According to the Rayne Police Department Facebook page, officers responded to multiple gunshots just before midnight to […]]]>

Jonathan Dixon, 22, from Rayne was found dead over the weekend at King City Grocery Store in the 200 block of West Jeff Davis Avenue and Rayne’s police need your help trying to figure out who shot them.

According to the Rayne Police Department Facebook page, officers responded to multiple gunshots just before midnight to find Dixon dead from an apparent gunshot wound.

Multiple arrests are expected as police investigate the homicide case.

Rayne Police looking for a teenager who has left home

It has been a week since Jeremiah Griffith, 15, left the house without permission and the police in Rayne need your help in locating the boy.

The description

Height: 6’3 “

Characteristics: brown eyes and black hair

Last seen: white shirt, black jeans and shoes; Possibly carrying a black book bag displaying yellow smileys

Jeremiah Griffith, photo by Rayne Police Department

If you know where Jeremiah Griffith is, call the Rayne Police Department at (337) 334-4215.

LOOK: What important laws were passed in the year you were born?

The data in this list was acquired from reliable online sources and media. Read on to find out which major law was passed in the year you were born, and learn its name, vote count (if any), impact, and meaning.

Inside Amazon: A Detailed History of America’s Largest Online Retailer

Stacker has compiled a list of key moments in Amazon’s history and its current activities from various sources. Here’s a look at the events that turned an online bookstore into a global conglomerate and a self-taught entrepreneur into the second richest man in the world.
]]>
https://web-link.biz/man-dies-in-fatal-shooting-at-rayne-grocery-store/feed/ 0
Payday Loans Online: What You Need To Know https://web-link.biz/payday-loans-online-what-you-need-to-know/ https://web-link.biz/payday-loans-online-what-you-need-to-know/#respond Mon, 19 Jul 2021 10:02:27 +0000 https://web-link.biz/payday-loans-online-what-you-need-to-know/ It’s hard to know what life has in store for you. But adults have probably faced unforeseen or urgent expenses once in their lifetime, and they will likely agree that it is sometimes difficult to keep up with such expenses, especially if they arise during times of financial hardship. Take, for example, when your car […]]]>

It’s hard to know what life has in store for you. But adults have probably faced unforeseen or urgent expenses once in their lifetime, and they will likely agree that it is sometimes difficult to keep up with such expenses, especially if they arise during times of financial hardship.

Take, for example, when your car doesn’t suddenly start and you have to go to the garage to get it fixed. The store tells you to pay a few hundred dollars for the repair of the car and unfortunately you are running out of budget. In such a case, the best option is to get a quick loan.

Payday loans online allow you to borrow money quickly and with less stringent credit checks. Here is what you need to know about payday loans online.

Online Payday Loans: What is it?

Payday loans online belong to the category of short term loans. Online lenders most often offer such loans to borrowers who need to borrow money in the short term and to borrowers who have a bad credit rating. A payday loan, as you can guess by the name, must be repaid on the debtor’s payday.

The interest rates for online payday loans vary, but they can be more expensive than other loans. For every $ 100 a person borrows, a fee of $ 15 to $ 20 is charged against the loan. Translated as an annual percentage, this represents around 400% to 500% APR.

Online loan companies like Siloans.com typically assess your income and credit score to determine the APR to charge on your loan. One of the requirements before the loan release that you need is to give an account withdrawal authorization or a post-dated check to the lender.

Benefits of Payday Loans Online

While the APRs for online payday loans are quite high, people still choose to take out this type of loan because of its many advantages.

  • No worries to apply. Applying for a personal loan is very easy because the application is online. This means that you don’t have to go to the lender’s office to borrow money. The online lender will process your online loan application through their website. On the website, you have to answer the online application form and submit it to the lender.
  • No strict credit check. Another thing that people love about online payday loans is that the credit checks are not strict. Even borrowers with bad credit can qualify for the loan as long as they have a regular monthly income proving that they are able to pay the loan amount and the interest.
  • Easy to pay loan amounts. Online businesses that lend payday loans have a limit set on the amount you can borrow. This is to ensure that you can repay the loan in full on its due date. Most lenders offer $ 100 to $ 1,000 for online payday loans.
  • Fast transfer of funds. For those who really need to borrow money, online payday loans are a great option. Since the application process will not take forever, the lender can immediately assess your application. Once you get the loan approval, you can get the funds you need right away.
  • Security and confidentiality. Naturally, some people have doubts about the security and confidentiality of the data of the online loan application. But many online lenders are now adopting robust data protocols and computer systems to keep your sensitive information safe. Read the lender reviews online before applying for a payday loan online.

Online Payday Loan Application Process

If you are wondering about the online payday loan application process, read these steps to guide you.

Complete the online application form

Find a reputable online loan company on the Internet. When you find one, search for an online application form on their website and fill it with the necessary information, such as your name, place of residence, phone number, employment status, monthly income information, etc. Once you are done, submit the form to the lender for appraisal.

Examination of your request

After receiving your request, the lender will now review the information you provided in your validity request. The examination can be carried out manually or via a computer.

Assessment of your ability to repay the loan

The lender will now check your ability to repay the loan amount plus interest from the income you provided in your application. Those with a stable income are more likely to receive loan approval.

Loan approval

Once the lender sees that the personal information in your application is valid and that you have the means to repay the loan, they will approve your application. You will now receive a copy of the terms and conditions of the loan. Read it carefully before signing.

Funds transfer

When you and the lender come to an agreement, you will now get the loan amount you need. It will be deposited into your bank account immediately or in the next few days.

Carry

Do you want to borrow money? If so, consider online payday loans. It is not complicated to apply for this loan option and you can get the cash you need in no time. But be aware of the high interest rates of online payday loans.

]]>
https://web-link.biz/payday-loans-online-what-you-need-to-know/feed/ 0
Slick Cash Loan Announces Availability of Instant Cash Loans Online to Meet Emergency Financial Needs https://web-link.biz/slick-cash-loan-announces-availability-of-instant-cash-loans-online-to-meet-emergency-financial-needs/ https://web-link.biz/slick-cash-loan-announces-availability-of-instant-cash-loans-online-to-meet-emergency-financial-needs/#respond Thu, 15 Jul 2021 11:13:35 +0000 https://web-link.biz/slick-cash-loan-announces-availability-of-instant-cash-loans-online-to-meet-emergency-financial-needs/ Slick Cash Loan announces that it offers instant cash loans to those who are in urgent need of money to meet an unforeseen financial need. Slick Cash Loan, the company that helps people achieve their financial goals in all situations with their range of online loan services, has announced instant cash loans for the needy. […]]]>

Slick Cash Loan announces that it offers instant cash loans to those who are in urgent need of money to meet an unforeseen financial need.

Slick Cash Loan, the company that helps people achieve their financial goals in all situations with their range of online loan services, has announced instant cash loans for the needy. People who need cash quickly can apply for a instant money loan online and get approved for a personal loan within hours.

“Instant Cash Loan is the most convenient way to meet your financial obligations or meet an urgent need,” explains the spokesperson for Slick Cash Loan. “We made the whole process easy and convenient for borrowers. You can have the funds you need to meet your financial obligations in no time when you apply for an instant cash loan online.

Borrowers can obtain long-term loans of up to $ 3,000 or short-term payday loans and cash advances of up to $ 1,000 under this program. Slick Cash Loan has partnered with a reliable network of direct lenders to ensure applicants get the cash they need within 24 hours. Applicants can visit the website for instant cash loans and get the cash they need fast.

As the whole process takes place online, applicants can expect quick approval as they won’t have to wait long for their loan to be issued. If you need money right now, just fill out the application form and you can start taking charge of your life. With an online loan, you can get the financial help you need on your timeline.

The lenders involved in the process are a group of individuals, not a corporate bank. This is why the approach to loan applications is more practical and flexible. The decision to approve a loan application is made in minutes and does not take days or weeks. In most cases, the funds are deposited into the applicants account on the same day.

Slick Cash Loan has partnered with many direct lenders to provide a wide range of loan services for those facing difficult financial situations. These include payday loans, installment loans, personal loans, and loans without a credit check.

The straightforward online application process, easy approval, and quick funding make Slick Cash Loan the most preferred resource for those looking for quick cash to fund their various financial needs.

For more information on Slick Cash Loan, visit slickcashloan.com

About Slick Cash Loan:

Slick Cash Loan is the best resource for finding the right solution for fast and reliable loans. Loan experts can help borrowers find the best lenders and ensure quick and easy access to money when needed. Slick Cash Loan has a large network of partners across the United States. The company is distinguished by its easy approval and rapid financing of loans of all types.

Media contact
Company Name: Slick cash loan
Contact person: Snow brand
E-mail: Send an email
Call: (888) 200-7445
Address:1125 Broadway Street # 545
City: Glendale
State: California
Country: United States
Website: https://slickcashloan.com/

]]>
https://web-link.biz/slick-cash-loan-announces-availability-of-instant-cash-loans-online-to-meet-emergency-financial-needs/feed/ 0
5 tips for getting a loan if your credit score is in the 600s https://web-link.biz/5-tips-for-getting-a-loan-if-your-credit-score-is-in-the-600s/ https://web-link.biz/5-tips-for-getting-a-loan-if-your-credit-score-is-in-the-600s/#respond Sat, 10 Jul 2021 07:00:00 +0000 https://web-link.biz/5-tips-for-getting-a-loan-if-your-credit-score-is-in-the-600s/ If you are in need of a loan and your credit score is in the range of 600, you might not be sure about your chances of getting approved. You don’t need to worry. Based on the correct score, the 600 are in the fair and good credit ranges. With either one, it is possible […]]]>

If you are in need of a loan and your credit score is in the range of 600, you might not be sure about your chances of getting approved. You don’t need to worry. Based on the correct score, the 600 are in the fair and good credit ranges. With either one, it is possible to get approval from multiple lenders.

Even if you are well above the credit score you need for a personal loan, the loan process is still important. You don’t want to pick the wrong lender and get turned down or end up paying a higher interest rate than you need to. Follow these tips to get the loan you need for the best price.

One email a day could help you save thousands

Expert tips and tricks delivered straight to your inbox that could help save you thousands of dollars. Register now for free access to our Personal Finance Boot Camp.

By submitting your email address, you consent to our sending you money advice as well as products and services which we believe may be of interest to you. You can unsubscribe anytime. Please read our privacy statement and terms and conditions.

1. Find lenders with minimum requirements that you can meet

Each lender has their own minimum credit score for potential borrowers. Some are open to borrowers with a score of 580. Others may require a score of 660, 680 or higher. By choosing a lender with a minimum requirement that you can meet, you have a higher chance of being approved.

Your FICO® score is the type of score that matters most. This is the score most used by lenders, so when you want to get your credit score, try using a method that provides your FICO® score.

If your credit score is in the 600s, start by looking at personal loans for fair credit. The fair credit range is 580 to 669 under the FICO system, so you should find lenders that work for you. If your score is in the 600s, you can even qualify for the best personal loans.

Ascent’s selection of the best personal loans

Are you looking for a personal loan but don’t know where to start? Ascent’s choices for the best personal loans help you demystify the offers available so that you can choose the one that best suits your needs.

See the selections

2. Check if you are pre-approved

Most lenders offer online pre-approval tools. These allow you to check loan rates without affecting your credit score.

To use a pre-approval tool, you need to enter some basic information. Lenders usually want your name, address, income, desired loan amount, and social security number. When you submit the form, the lender performs a gentle credit check on you. Then it will let you know if you are pre-approved for a loan. If so, it will tell you the amount and the interest rate you could get.

A personal loan pre-approval is not a guarantee. But it does give you an idea of ​​which lenders will approve you and what kind of rates you can get with each.

3. Find a co-signer

A co-signer is someone who agrees to take on a loan with you. For this reason, the lender can use the information of the co-signer to decide if they will approve the request and what kind of rate they will offer.

Applying for a personal loan with a co-signer who has a higher credit rating than you could help you get a bigger loan, a lower interest rate, or both. The challenge is to find someone to do it for you. The co-signer is taking a risk because they will be just as responsible for the loan as you are. If you get a loan with a co-signer, make sure you always pay on time to avoid hurting both of your credit scores.

4. Pay off your credit card balance before applying

Raising your credit score before applying for a loan can make a big difference. Even a small increase could help you get a good interest rate that will save you hundreds of dollars.

A quick way to increase your credit score is to pay off your credit card balance. This is due to a factor called the credit utilization rate, or the relationship between your card balances and your credit limits. For a good credit rating, it is good to keep this ratio below 30%. So for every $ 1,000 of credit you have, don’t use more than $ 300.

The Ascent’s Choices For The Best Debt Consolidation Loans

Want to pay off your debts faster? Check out our list of the best personal loans for debt consolidation and lower your monthly payments with a lower rate.

Pay off debt faster

The good thing about using credit is that only the current number counts. Let’s say you have 70% credit usage. If you pay up to 25%, your credit score will increase within a month when the credit card companies report your new balances.

5. Beware of predatory lenders

Unfortunately, there is no shortage of predatory loan offers. Lenders offering payday loans and auto title loans are two examples. They often charge extremely high interest rates, with lenders in some states charging APRs above 500%. The reason they are able to attract consumers is that they have fewer minimum requirements. Some will approve borrowers without even checking their credit rating.

Research any lender you are considering to see if they are trustworthy. Before accepting a loan, review the contract, including the repayment terms and the interest rate. If the cost of the loan makes repayment nearly impossible, keep looking for other options.

A credit score in the 600s is enough to qualify for a loan. Try to pay off all credit card balances to get your highest possible credit score before you apply, or see if you can find a co-signer to help you. After that, just compare your options and get the amount you need at the best possible rate.

]]>
https://web-link.biz/5-tips-for-getting-a-loan-if-your-credit-score-is-in-the-600s/feed/ 0
Your Law Firm Needs a Recruitment Marketing Strategy – Here’s Why and How JD Supra Perspectives https://web-link.biz/your-law-firm-needs-a-recruitment-marketing-strategy-heres-why-and-how-jd-supra-perspectives/ https://web-link.biz/your-law-firm-needs-a-recruitment-marketing-strategy-heres-why-and-how-jd-supra-perspectives/#respond Fri, 09 Jul 2021 22:39:07 +0000 https://web-link.biz/your-law-firm-needs-a-recruitment-marketing-strategy-heres-why-and-how-jd-supra-perspectives/ Your client pitchbook material won’t cut it – recruiting material needs to be recruit-friendly … Hiring at law firms across the United States is skyrocketing – just look at, for example, some of the latest headlines in the legal industry regarding associate pay increases for the first time in years . Legal research firm Leopard […]]]>

Your client pitchbook material won’t cut it – recruiting material needs to be recruit-friendly …

Hiring at law firms across the United States is skyrocketing – just look at, for example, some of the latest headlines in the legal industry regarding associate pay increases for the first time in years .

Legal research firm Leopard Solutions recently noted that demand for lawyers at all levels has hit an all-time high this year as law firms have broadened their lawyer job searches to compensate for slow growth or growth. non-existent from last year. Leopard says there are more than 9,500 legal jobs open right now – more than at any time since the company began tracking positions in the legal industry.

However, the increased demand for lawyers has also made it more difficult for law firms to compete for qualified candidates and retain their staff. If you don’t have a recruiting marketing strategy, you’ll have a hard time setting yourself apart from your competition to attract rookies and laterals.

Legal recruiters are busier than ever before as companies scramble to hire lawyers who can adapt to the rise …

It is no longer enough to be a great law firm doing a great job with great lawyers. Any business that thinks it’s attracting candidates just based on their brand, location, or salary is behind. The world and our industry have changed forever as a result of the pandemic and businesses must adapt to this change in order to attract and retain top talent.

Here are some ideas on how to create a recruiting marketing strategy for a law firm of any size:

  • Know (and communicate) your value proposition. Being able to explain why your business is suitable for a candidate and what makes it unique compared to its competitors is essential. Make sure that you can not only express this in the recruiting process, but also in written materials.
  • Manage your brand online. Have you looked at your business’s Google search results lately? You should. In fact, Glassdoor and Google reviews appear on the first page of your Google results. Your business will inevitably have both good and bad reviews – make sure you get ahead of them and can answer rookie questions about the negatives. Encourage stars to post positive reviews to offset negative reviews.
  • Create marketing materials and messages dedicated to recruitment. These documents should live on your website, your social channels, and be modular elements that you can easily PDF to a candidate, recruiter, or law school. Your clients’ pitchbook materials won’t be enough – recruiting materials need to be recruit-friendly to highlight what it’s like to work in the firm, what summer programs and new associates look like and professional development resources that you offer. For the full-backs, you might be able to reuse some of your existing pitch materials, but you should also write an article on sideways onboarding, business successes, and professional development.
  • Using LinkedIn. It is one of the most effective, inexpensive, and useful ways to build relationships and promote your business. Use your LinkedIn Company Page to highlight news and success stories, as well as your people.
  • Use other less formal social media channels, like Instagram, which can give recruits a glimpse into the life of the company and the people they would work with. My biggest tip is to be authentic and not post the same content on all social media channels – tailor the post to the medium, as well as your images (Instagram photos should be square, for example).
  • Collect positive online reviews of your business from Google, Indeed, Vault, Chambers Associate and Glassdoor and feature them on your website and in social media posts. It just takes a little while to extract the reviews and format them. You can also ask star lawyers for quotes on their favorite aspects of working at the firm and feature them in a campaign on your website and social media.
  • Build your network. The more people you know, the more likely you are to meet people who could be future colleagues, clients, employees, references, etc. While networking is a bit more difficult now, I think Zoom has made the process more efficient and easier.
  • Organize focus groups with featured associates and partners. This will help you find out what is working well in the business (as well as what is not). Speaking directly to your employees for their honest feedback on the company will give you invaluable insight in many areas, not just recruiting. You can take that information and use it to create better events, professional development programs on how work is assigned.
  • Don’t stop offering homework and flexible working arrangements. Many lawyers want the freedom to continue working from home after the pandemic – especially women who are disadvantaged the day they enter a law firm due to the gender pay gap as well as the fact that they are also usually the primary caregivers. Support your lawyers in their professional careers and they will be loyal to you. Plus, when it makes sense, showcase some of these successes in your recruiting marketing materials.

Employees currently have a lot of choice – make sure they continue to choose you every day by providing them with the best possible environment for their career development. Taking the time to do this will help you stand out and attract the right candidates to your business.

*

Stefanie Marrone advises law firms of all sizes, professional services firms, B2B companies, recruiters and individuals on the full range of marketing and business development consulting services designed to increase revenue, retain current clients and achieve better brand recognition. She is also responsible for marketing / outsourced marketing department for small and medium size law firms. During her nearly 20-year legal marketing career, she has worked in and with a wide range of large, medium and small law firms, which has given her a valuable perspective of the legal industry. Connect with her on LinkedIn and follow his latest writings on JD Supra.

]]>
https://web-link.biz/your-law-firm-needs-a-recruitment-marketing-strategy-heres-why-and-how-jd-supra-perspectives/feed/ 0
Best emergency loans July 2021 https://web-link.biz/best-emergency-loans-july-2021/ https://web-link.biz/best-emergency-loans-july-2021/#respond Fri, 09 Jul 2021 07:00:00 +0000 https://web-link.biz/best-emergency-loans-july-2021/ What is an emergency loan? An emergency loan is a personal loan that you use to pay a medical bill, get a car repaired, or cover some other urgent expense. These loans can be secured or unsecured – unsecured loans are more widely available – and can come from an online lender, a credit union, […]]]>

What is an emergency loan?

An emergency loan is a personal loan that you use to pay a medical bill, get a car repaired, or cover some other urgent expense. These loans can be secured or unsecured – unsecured loans are more widely available – and can come from an online lender, a credit union, or certain banks.

Check the lender’s requirements to see if you are meeting them. Lenders generally have a minimum credit score and maximum debt-to-income ratio requirements. Some offer co-signed or joint loan options that may be easier to obtain.

Look for a lender who can fund your loan quickly (the fastest funding is usually the same day your application is approved or the next day) and who offers the loan amount you are looking for.

Why we chose these lenders

These lenders offer small personal loans and fund them quickly. Their credit score requirements vary, but borrowers with a fair or bad credit score (below 690 FICO) may be eligible.

Reached

Reached is an online lending platform that takes into account alternative data on an application, including where you live and attended school, in addition to credit and income information. The company says it finances 99% of loans within one business day of approval.

Best egg

Best egg says its application only takes a few minutes, and loans are funded within a business day of approval in some cases. Although the lender approves applicants with fair credit, the average credit score is 700, which is in the correct range on the FICO scale.

Main

Main offers personal loans to borrowers with low credit scores, but they come with high APRs and origination fees. The lender can fund loans quickly by check, but you must go to a branch to complete the process.

Universal Credit

Universal CreditThe low minimum credit score makes it a good choice for borrowers with good or bad credit. The five-day lender’s average finance time is longer than others, but if you can wait, you’ll have access to credit building tools like credit monitoring and a credit score simulator.

Before

Before has a low minimum credit score requirement and says it can fund a loan one business day after approval. His annual percentage rate includes an administrative fee of up to 4.75%. The company reports payments to the three major credit bureaus – Experian, Equifax, and TransUnion – which can help you create credit.

Point Ready

Point Ready lends to borrowers with low credit scores and little existing debt. The company says it can fund a loan the next business day after approval, but in some cases it may take longer.

Opportune

Opportune Offers small installment loans to borrowers with little or no credit history at high rates compared to other bad credit lenders. It only works in a few states and sometimes funds loans within hours, whether you apply online or in person.

How to choose an emergency loan

Compare the total cost: Speed ​​may be your priority, but the total cost of the loan will have a lasting effect on your finances, so look for the cheapest loan, the one with the lowest annual rate, which includes both the interest rate. and fees.

Most online lenders offer prequalification, which involves a smooth credit check and lets you preview your rate and term without affecting your credit score.

Check the monthly payments: Evaluate the impact of the monthly loan payments on your budget to determine if you can comfortably pay it off on time.

Use a personal loan calculator to see how much you can borrow and what rate and term you will need to make it affordable.

Funding speed: If you are in dire need of funds, consider a lender who offers quick financing. While some lenders offer same day financing, typical financing times are two to seven days.

Online lenders often disclose the timeline in an FAQ or blog section of their websites, so you’ll know what to expect before you apply.

Gather the required documents – including W-2s, pay stubs, and bank statements – before you apply for a loan, and respond to the lender’s questions promptly to speed up the application process.

How to get an emergency loan with bad credit

A bad credit score (less than 630 FICO) doesn’t automatically prevent you from getting a loan, but your rating is a factor that weighs the most in a loan application.

Add a co-signer or a co-borrower

Adding a co-signer or co-borrower can increase your chances of qualifying or getting a good loan rate. A co-borrower has equal access to funds, unlike a co-signer. If you cannot repay the loan, the co-signer or co-borrower is responsible for the loan.

Add warranty

Some lenders offer secured personal loans, which allows borrowers to add collateral to the loan and can help bad credit borrowers qualify. If you fail to make payments, the lender can take the collateral.

Turn to a credit union

Try your bank

If you are a Bank of America or US Bank customer, you may be able to get one of their small loans. Bank of America Balance Assistance offers up to $ 500 for a flat fee of $ 5. Simple loan from the American bank can range from $ 100 to $ 1,000, and the loan has a fee of $ 12 to $ 15. Both are repaid in three monthly installments.

Emergency loan alternatives

Cheaper alternatives borrowing is not always quick or convenient and sometimes requires asking for help. But NerdWallet strongly recommends exhausting alternatives first, even in an emergency. Here are some possible alternatives to an emergency loan.

Emergency loans to avoid

Payday loans

Payday loans are short term, high cost loans. Even in an emergency, they are a risky option. Payday lenders charge a fee equivalent to an APR of 400%, do not check your credit score, and may not confirm your ability to repay the loan.

But they ask for access to your bank account or a blank check to withdraw the money you owe on your next payday. Borrowers who are not ready to repay the loan by then often borrow again, which sends them into a cycle of debt.

Car title loans

With an auto title loan, a lender assesses the value of your vehicle and offers to lend you a percentage of that amount. If you agree, the lender retains title to the car and you receive your loan.

The lender typically does not review your ability to repay the loan and may charge 200% to 300% APR. These loans are risky because the lender holds the title to your car. If you can’t pay, he’ll take your car.

Pawnbrokers

Pawn shops can have lower APRs than payday and auto title loans, but the risk is similar to auto title loans: rates above 100% and the possibility of losing something you value.

With a pawnshop, you hand over something of value to a pawnshop, they assess its value, and give you a loan based on that assessment. You have to pay it back, with interest, or they’ll keep your item.

If you manage to repay the loan but it takes up too much space in your bank account, you could end up going back to the pawnshop.

Installment Loans Without Credit Check

Beware of online lenders who position themselves as inexpensive alternatives to payday loans but don’t check your credit. Some installment loans without credit check share similarities with payday loans and auto loans, including exorbitant interest rates and additional fees that make the loan less affordable than initially thought.

Lenders like Rise and OppLoans offer longer-term emergency loans, but their rates remain high. Only consider these lenders after ruling out the cheaper alternatives.

Capital goods fund is another no credit check lender that offers lower rates but is only available in a handful of states.

Tips for building an emergency fund

Once your emergency is over, build a emergency fund to avoid taking out high cost loans in the future.

Here are some tips for getting started with an emergency fund:

  • Set a savings goal. Most financial experts recommend saving between three and six months in living expenses. Starting with a goal of saving at least $ 500 can usually cover small emergency expenses like minor car repairs.

  • Automate savings. Automatically transfer a small amount – maybe $ 10 or $ 20 to start with – to a separate savings account. That way it’s out of sight, out of mind, but there when you need it.

  • There is an application for that. Some applications round your spending account transactions to the nearest dollar and deposit the change in a savings account. It’s like a spare jar of change on your phone.

  • Put away the deals. The last thing you want to do with birthday money is save it, but one way to start your emergency savings is to set aside money you haven’t talked about yet, such as small work bonuses, gifts and tax refunds.

]]>
https://web-link.biz/best-emergency-loans-july-2021/feed/ 0
7 companies that failed to adapt to the disruption and paid a heavy price https://web-link.biz/7-companies-that-failed-to-adapt-to-the-disruption-and-paid-a-heavy-price/ https://web-link.biz/7-companies-that-failed-to-adapt-to-the-disruption-and-paid-a-heavy-price/#respond Thu, 08 Jul 2021 04:13:00 +0000 https://web-link.biz/7-companies-that-failed-to-adapt-to-the-disruption-and-paid-a-heavy-price/ Welcome to Thomas Insights – every day we post the latest news and analysis to keep our readers up to date with what’s happening in the industry. Sign up here to receive the best stories of the day straight to your inbox. It has been proven time and time again that when organizations are unable […]]]>

Welcome to Thomas Insights – every day we post the latest news and analysis to keep our readers up to date with what’s happening in the industry. Sign up here to receive the best stories of the day straight to your inbox.

It has been proven time and time again that when organizations are unable or unwilling to adapt to disruption, technological advancements and changing customer demands, they simply cannot survive in the long term.

Here are seven companies that have learned this lesson the hard way.

1. Nokia

Nokia was once known to be remarkably adaptive and forward thinking, so its eventual demise was surprising. The company has constantly invested in research and development and invented his first smartphone in 1996.

But in the years that followed, Nokia failed to recognize the importance of software, including apps, and underestimated the rapid transition to smartphones. In 2007, for example, Nokia earned more than 50% of all profits in the mobile phone industry, but most of those profits did not come from smartphones. In contrast, the company’s biggest competitor, Apple, paid the same attention to hardware and software development and was way ahead of smartphone innovations.

In 2013, Nokia had just 3% global smartphone market and in August of that year it sold its handsets business to Microsoft for $ 7.2 billion.

2. Kodak

At one point, Kodak was the most famous and revolutionary name in the world of photography and videography. The company was largely responsible for developing cameras that were portable, affordable, transportable and ultimately accessible to the average household.

But Kodak failed to keep pace with technological advancements after the invention of the digital camera in 1975. The company had long held the belief that its customers would continue to appreciate and value a printed image rather than a printed image. digital image. Of course, they were wrong, but by the time they halted sales of traditional film cameras in 2004, it was too late to recoup their losses.

Kodak filed for bankruptcy in 2012 and has been trying to reinvent itself ever since. In a strange turn of events, the company received a Government loan of $ 765 million of the Trump administration in 2020 to produce 25% of the active ingredients of generic drugs in the United States.

3. Blockbuster

“Neither RedBox nor Netflix are even on the radar screen in terms of competition. “

This quote from 2008 from Blockbuster CEO Jim Keyes has come back to bite him – and hard.

At the end of the 90s, Blockbuster owned 9,000 video rental stores in the United States, employed 84,000 people worldwide, and had 65 million registered customers.

Despite partnering with Enron at that time to develop a video-on-demand service, Blockbuster was far too focused on making profits from its video stores to commit to making the new service a success. The company didn’t even seem willing to consider rapidly changing consumer behavior or the impact of technological advancements on its business model. Not only was Blockbuster incredibly slow to implement DVD-by-mail service, customers were increasingly frustrated with the company’s late fees.

It didn’t take long for Netflix to start nibbling at the company’s profits and by 2010 the company filed for bankruptcy with more than $ 900 million in debt.

4. My space

Myspace was once considered the coolest social networking site, and between 2005 and 2008 it was definitely the most popular. At its peak in 2008, the site attracted 75.9 million unique visitors per month.

There are two main reasons for the disappearance of Myspace. First, Facebook offered a much better and more user-friendly service. Not only did it have cool features like the now iconic Facebook news feed, but it made communication and networking easier for its members.

Second, Myspace was poorly managed. The site was acquired by News Corporation for $ 580 million in 2005 and the culture of the company quickly changed. Instead of focusing on optimizing the user experience, generating ad revenue became a top priority and the site quickly saturated. As a result, Myspace members began to migrate to alternative platforms. Between 2009-2011, the site lost over a million users per month.

In 2011, Myspace was purchased by Specific Media for $ 35 million, more than $ 500 million less than News Corp had paid six years earlier.

5. Toys R Us

Toys R Us was a popular children’s brand with over 700 stores across the United States.

But in recent years, the company has struggled to adapt to the boom in e-commerce and lacked creative vision, ultimately failing to deliver a convenient, enjoyable, personalized, or discounted shopping experience. competitive to its customers. It didn’t help the things the company was hushing under billion dollars in debt, excluding essential investments in its stores to modernize its service offering.

The company filed for bankruptcy in 2017, posting $ 7.9 billion in debt against $ 6.6 billion in assets.

Toys R Us made a small scale back in 2019 when it opened two mall stores for the holiday season with a focus on open play areas, interactive displays, and spaces for private events like birthday parties. Both stores have since closed.

6. Yahoo

Yahoo was first launched in 1994 and quickly became the go-to portal for email, news, and web research.

Business failure is the result of several bad business decisions. For example, in 2002, Yahoo missed an opportunity to buy google for $ 1 billion then Facebook for an alleged amount of $ 1.1 billion in 2006.

Yahoo has also been criticized for mismanaging Flickr and Tumblr, failing to prioritize hiring high-caliber programming staff, and a lack of vision within its leadership team.

This series of failures resulted in Sale of Yahoo to Verizon in 2016 for just $ 4.8 billion. For comparison, the company was valued at $ 125 billion at its peak in 2000.

7. Xerox

In 1970, the printing company Xerox launched the Xerox Palo Alto Research Center (known as Xerox PARC) to develop the technologies of the future. Technologies such as laser printers, Ethernet and a prototype of the modern PC were all invented at Xerox PARC.

But while the company invested heavily in research and development and made groundbreaking innovations, it struggled to capitalize on market potential and achieve commercial success, ending up losing to an organization with a brand. more established and a much broader vision.

Despite having developed the graphical user interface (GUI) and a commercial version of the mouse, it was Steve Jobs and Apple who reaped the success of these inventions when the Macintosh computer was launched in 1984.

Ultimately, Xerox was unable to seize the right opportunities to leverage its ideas and innovations and run a profitable business enterprise.

Image Credit: Adwo / Shutterstock.com

3D printing could take aviation to new heightsNext story »
]]>
https://web-link.biz/7-companies-that-failed-to-adapt-to-the-disruption-and-paid-a-heavy-price/feed/ 0
Why payday loans are dangerous https://web-link.biz/why-payday-loans-are-dangerous/ https://web-link.biz/why-payday-loans-are-dangerous/#respond Wed, 07 Jul 2021 07:00:00 +0000 https://web-link.biz/why-payday-loans-are-dangerous/ South_agency / Getty Images It’s hard to find yourself in a situation where you need the cash right away, but you are not alone. In fact, 42% of millennials have used methods like payday loans to deal with debt, according to a study by the Global Financial Literacy Excellence Center at George Washington University. See: […]]]>

South_agency / Getty Images

It’s hard to find yourself in a situation where you need the cash right away, but you are not alone. In fact, 42% of millennials have used methods like payday loans to deal with debt, according to a study by the Global Financial Literacy Excellence Center at George Washington University.

See: What not to do when trying to get out of debt
Follow Along: 31 Days of Richer Life

So what is a payday loan? The Consumer Financial Protection Bureau defines a payday loan as a short-term, high interest loan with no credit check, which typically does not exceed $ 500. Payday loans can be obtained online or through physical locations. When you don’t have a financial cushion in place and you need the cash quickly, a payday advance may seem like a good solution. But using a payday loan to get out of debt could be a costly mistake.

Read: 35 Unnecessary Expenses You Need To Cut From Your Budget Now

Learn about payday loans and why they might not be the best way to get out of debt.

Last updated: July 7, 2021

payday-loan-sign

payday-loan-sign

5 reasons to avoid payday loans

Payday loans can be tempting when you have limited financial resources, but consider the dangers of payday loans before signing on the dotted line. Read on to see five disadvantages of payday loans.

Read: 11 Basic Money Moves Everyone Should Make During Hard Times

people-finance-concept-client-pen-paper

people-finance-concept-client-pen-paper

1. They create a cycle of debt

When your financial resources are almost depleted, getting a payday loan can help you temporarily. But at the end of the day, all you do is position yourself to take on more debt.

About 75% of payday loans go to people who take out 11 or more loans per year, according to CFPB data. Unfortunately, many people cannot repay their payday loans when due, so they consolidate the borrowed funds into a new loan and create a cycle of debt.

Check Out: The 8 Best Payday Advance Apps To Close A Cash Gap

three-twenty-dollar-sixty-dollar bills

three-twenty-dollar-sixty-dollar bills

2. High fees apply

Credit card APRs are typically between 12% and 30%. The average two-week payday loan, however, has a fee of $ 15 for every $ 100 borrowed – an APR that equates to nearly 400% per loan, according to the CFPB.

A short-term payday loan of $ 400, for example, could cost you $ 60 in fees. And if you extend the loan long enough, you could end up owing as much in fee as you originally borrowed.

Take a look: 30 ways to get out of debt

businessman-giving-money-us-dollar-bills

businessman-giving-money-us-dollar-bills

3. Rollovers allow you to get deeper into debt

When a payday loan is due and you cannot pay the full amount, some lenders will allow you to pay the upfront fee only to extend the due date. But, then another charge for the same amount is added to the principal.

For example, if you borrowed $ 200, with a charge of $ 15 for every $ 100 borrowed, you will owe $ 230 on your next payday. On your next payday, if you choose to pay the $ 30 fee to extend the loan, the lender will add an additional $ 30 fee and so on. Before you know it, you could be paying almost $ 100 in fees without reducing principal.

businessman-office-talking-on-the-phone

businessman-office-talking-on-the-phone

4. They come with the potential for repeat fundraising calls

Since these high risk loans are also expensive, you might not be able to repay your loan on time, which could lead to repeated calls from debt collectors. The Fair Debt Collection Practices Act states that a debt collector, such as an online payday loan representative, is not allowed to repeatedly contact you with the intention of annoying, abusing or harassing you. . Also, debt collectors are only supposed to call within the hours of 8am to 9pm.

repairman-roof-replacement-yellow-gloves

repairman-roof-replacement-yellow-gloves

5. They are not a solution for big financial problems

According to the CFPB, payday or online loans are generally capped at $ 500. So don’t expect this type of loan to help you get out of debt for good or face major expenses like replacing a roof. According to Fixer.com, a DIY services site, the national average for the cost of a roof replacement is over $ 6,000.

young-african-pouring-milk-in-the-cafe

young-african-pouring-milk-in-the-cafe

Alternatives to payday loans

With a little research, you can find other potential options to make money fast without high fees. Take a look at these payday loan alternatives.

donation-of-the-hand-money-dollars-united-states

donation-of-the-hand-money-dollars-united-states

1. Borrow from a trusted friend or family member

While it can be awkward, humbly approach a friend or family member you trust and explain why you need to borrow money. Offer to have a specific but realistic written payment plan to show that you intend to repay the loan. Even if the person wants interest on loaning you the money, it probably won’t be something like you would with a payday loan.

Read: I secretly got us in serious debt: how to break the news

professional-taxi-driver-taxi-driver

driver-taxi-driver-professional-driver

2. Get a side job that offers immediate payment

Do not underestimate the income potential of a good side activity; opportunities with immediate payment are available. These examples include, but are not limited to:

Lyft or Uber: Drive your car, as an alternative to a taxi service, and get immediate payout with just $ 50 earned. You might have to pay a 50 cent instant payment fee to get your money back, but it’s your money, not the money you have to pay back.

Uber eats: Forget about handling passengers and delivering food instead as side work or weekend work. Apply with Uber Eats, a delivery service for people who want food from their favorite restaurants delivered right to their doorstep.

Craigslist Ads: Search concert listings to find jobs that pay quickly. You might find opportunities to help people pack their bags for a move, driving jobs, cleaning jobs, or childcare opportunities.

saleswoman-talks-couple-happy-customers

saleswoman-talks-couple-happy-customers

3. Seek credit counseling

Having a qualified professional who knows the ins and outs of debt management can prove to be beneficial. Contact a reputable service, such as the National Foundation for Credit Counseling, and speak with a credit counselor who can help you create a realistic, personalized budget as part of a debt relief plan.

young-african-woman-sitting-alone

young-african-woman-sitting-alone

Find other ways to pay off your debt

Payday loans can be extremely dangerous to your financial health, especially if you are already struggling with debt. With the high fees charged by payday lenders and the ability to extend loans more than once, you can easily find yourself in a cycle of debt, a target of collection efforts, or both.

Take other steps to pay off your debts right away, like borrowing from a friend or family member or getting a side job that pays off quickly. Next, consider contacting a credit counselor to help you get out of debt for good.

More from GOBankingTaux

This article originally appeared on GOBankingRates.com: Why Payday Loans Are Dangerous

]]>
https://web-link.biz/why-payday-loans-are-dangerous/feed/ 0