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Non-bank Lenders Offer $10k Special To Bad Credit Borrowers

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Folks with less than sterling credit, and many with good credit, are finding it hard to get an unsecured loan, especially from traditional lenders such as brick and mortar banks and credit unions. Those with poor credit will find that getting approval for a personal loan from a non-bank lender is far greater than getting one from a traditional lender

Also, traditional lenders are operating under a self-imposed credit crunch and have tightened their underwriting criteria, reduced loan amounts, and limited new lending. Most will not even consider a loan application that does not show a sterling credit history. But, that is why non-bank lenders exist and they can offer a wide array of lending programs with no credit check and for amounts up to $10,000. These loans require no collateral and qualifications are relatively easy to meet.

Employment Tenure and Salary

Most any lender, whether traditional or non-bank, needs to establish some minimal guidelines to increase the possibility of repayment. Usually that begins with having a steady job with an income that shows a good debt-to-income ratio. Lenders like to see at least 90 days on the job with the same company. Some may require six months. Anyway, the longer you have been employed at one place, the better. Lenders consider steady employment to be a sign of stability.

Direct Deposit Bank Account

To be seriously considered for a personal loan from a non-bank lender you should have a valid direct-deposit bank account. A checking account would furnish you with the minimum requirement. However, if you also had a savings or money market account, your credibility would be greatly increased in the eyes of the lender. Usually a lender likes to see three months worth of bank statements to approve your loan. Hopefully it will be pretty clear of serious red marks such as NSF checks, excessive overdrafts, and similar bad marks.

Who Are You and Where Do You Live?

Many non-bank lenders operate online. You may never even see each other in the process of application. Many of them can check your credentials using online resources. But if they cannot, they will ask you to fax or send a scan of a bona fide picture ID. They may also require a utility bill as proof of residence. Some lenders may require other documents. Usually, the greater the amount you have requested, the more documentation you may be asked to supply.

Shopping for the Best Lender

Your credit score, your income, your residency all play a role in the approval process and will influence your approval. Understand that some lenders will approve your application while another may reject it. Do not be discouraged. Sometimes a lender just might be in a bad mood. They all have different policies and different approval thresholds.

Anyhow, make multiple applications and you will get multiple approvals, thus allowing you to choose the best rates and terms. The internet has made it extremely facile to apply and get approved for a loan without spending too much time or energy. Approval is quick and you can usually have money in your account within 24 hours.

The Importance Of Internal Investigation Documentation

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Many believe that keeping records regarding workplace investigations leads to greater risk, because it becomes challenging to hide the fact that you were aware of an important issue that should have been given attention. The Labour and Employment Law Blog has worked to debunk many common workplace myths- one of them tackles the issue of documenting workplace issues.

In the post “Employment Laws Mistake #7 – Documenting Workplace Issues”, they state that “jurors, EEOC investigators, unemployment insurance judges and everyone in between, expect employers to keep good records and be able to produce them when there is an issue about the actions that were taken and the reasons for doing so.” Therefore, it won’t cut it if you try to avoid responsibility for your actions by simply not recording them.

The Importance of Record Keeping
There are a growing number of rules and regulations that businesses have to adhere to in order to demonstrate that sufficient action was taken regarding all workplace complaints. One of the easiest ways to create evidence to prove your case is to document all of the steps taken from the time an incident was reported to the conclusion and decision made after the completion of an investigation. The article “Documenting Employee Behavior and Performance” on HRHero.com states that:

“Documentation can be used as a key tool for legal defense. Good documentation by supervisors and managers can mean the difference between a company winning and losing an employment-related lawsuit. For example, good documentation of an employee’s pattern of poor performance and discipline can establish that the employee’s firing wasn’t related to discrimination based on race, sex, age, religion, disability, or national origin. An employer may have a much more difficult time proving that without such documentation.”

The above quote brings up a valuable question- can you afford not to take the time to document internal incidents and the rest of the investigation process? If taking the time to record incidents and information means the difference between winning or losing a case in court, wouldn’t it be easier to start documenting these matters now?

It’s important for business leaders to understand that problems will only escalate if you neglect to record incidents- the idea that you cannot be held liable simply because there’s no written record of an incident isn’t going to help you out. Documentation can also benefit your business should an employee lodge a complaint after they have been removed from your company. The longer it takes for an incident to be reported, chances are, your recall of events- when left up to memory, will likely lead to a poor account of the events and reasoning behind decisions made, which could make your statements invalid.

The post “Employment Laws Mistake #7 – Documenting Workplace Issues” states that “there are also a number of practical reasons to maintain proper documentation. While business organizations are dynamic and individuals may come and go- as well as their feelings toward an employer, the documents will always remain. Also, creating a written record helps to focus one’s attention and thinking and leads to better decision making.”

What to Record
In the article “Resolving Workplace Problems”, they reinforce the importance of documenting complaints, as well as providing a list of information that you will want to keep. “Set up a file and keep records of all relevant documents and correspondence. Records should include:

– Factual written summaries of incidents noting date, time, location, and persons involved.
– Memos and letters
– Relevant work documents
– Meeting notes
– Performance evaluations
– Any other relevant paperwork to document your workplace problem- investigation interviews, witness statements, etc.
– Keeping a paper trail is essential for providing needed evidence should legal action be needed down the road.” It’s impossible to have too much information regarding an incident- you would much rather be safe than sorry when it comes to legal matters.

Resume Primes Stand On Todays Employment Debacle

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Gone are the days when all people have to do to secure their future is to study hard and get good grades. Whoever tells you that the key to success is getting into graduate school and staying steady must be living in a world that doesnt exist anymore. Here, we are talking about GenYers the generation we so often pity for having less and less to rely on. With the current employment mess we are into now, Resume Prime recommends the following to be the Generation Ys credo:

1. Specialization is no more

Job security is dead. Most Gen-Yers are taught by the Gen-X to specialize because the more narrow your field is, the higher paid and the more indispensable youll get. But lo and behold, people in graduate studies seldom find a job that fits them, and if theyre lucky to have one, only a few have kept it for long because of the fast-changing technology and industrial trends. In this age where everybody gets a specialization, its safe to say that employers are now demanding more of people who can work with flexibility. Heed this advice: most companies will hire you because you can handle multiple types of tasks, not because you can do great in a single not-so-worth-the-payroll task.

2. Dont Expect the Pension

Heres reality to Gen-Yers: your retirement is in big trouble. So dont bother expecting your social security to come back to you. Its just the most sensible thing to happen, as the previous generations are retiring later than the rest, which means that well be paying for their pensions. So most of the twenty-somethings will expect more of their 401(k) in the future, which is troublesome by the way, because jobs are wobbling and you cant make an effective investment without a steady paycheck. The idea is to never let your months vacant without at least a freelance job or a side gig. Then dont chicken out and play safe with your 401(K) learn of better investing strategies as early as possible.

3. The Rise of Startups

During the previous decades, A-students go to Fortune 1000 Companies. Now, A-students are creating their own companies. Some take advantage of it – seeing the rise of startups as an employment opportunity. However, beware that only a very few of those small mushrooms will be there for the next five years. So our advice: if youre working for a startup, better assume as default that the job wont be forever. Resume Prime advises to take advantage of them by getting as much knowledge and experience you can get- smaller organizations means wider range of hands-on activities. Being part of a startup is really a great experience, but keep your eyes wide open for better and more stable opportunities.

Offshore Drilling Employment Your Cover Letter Must Have These 3 Elements

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Both your cover letter and your resume are important when looking for offshore drilling employment. You need to get HR to read both, otherwise it’s all for nothing. First, you need to attract their attention. This is easy – your email (cover letter) subject just needs to state the job title (and code, if any) in the advertisement. Then your cover letter must make them read your resume. Finally, getting you the interview is the job of your resume. For your cover letter, here are three elements necessary to make it powerful…

1. Do You Have Any Relevant Job Experience?

If you had one working week to select 20 candidates out of 500 for interviews, and all you had to go on was their cover letters and resumes, how would you do it? Whether you start from the earliest job applications, or the latest, or randomly open the emails, you would not read every cover letter and resume in detail. When you open the email (cover letter), you’ll only have time to look at the first half-page. It must give you a reason to read on and open the candidate’s resume, otherwise you’ll just move the job application to your trash folder.

So what makes the HR staff decide whether or not to read the rest of your cover letter and resume? The most important factor is relevant job experience. Unless you are going in through the back door, or the company is desperate for workers, your previous job experience is critical to selection. That means you must quickly and concisely state the most relevant points in your job history and tie it to the scope and requirements stated in the job advertisement.

But what if you have never worked in the oil industry before? During the oil boom, experience didn’t matter. But that is not the case during a recession. However, there is still a chance if you can get some relevant training under your belt. Oil is of strategic importance to many nations, and governments have training programs in place to provide workers for the oil industry. While the actual training may take place in technical or community colleges, the syllabus is designed by the oil industry.

Training can be expensive, but the oil industry still pays very well, so it is worth it. Before you pay for your own training, though, you should check if qualify for any form of subsidy. For example, disadvantaged youths in the US may qualify for the JobCorps program, while ex-servicemen in Britain have special training programs to prepare them for offshore oil rig jobs.

2. Do You Have Any Outstanding Skills?

Besides meeting the scope and requirements of the advertised oil rig jobs, is there any other thing that might make you special? Do you exceed the requirements in any way? For example, if the advertised roustabout jobs say they need people with 2 years of working experience, do you have 5 years? If you can add this kind of depth, and successfully make your case in the cover letter, you’ll have a better chance of getting hired.

However, depth is not the only way. How about breadth? Do you have any extra skills? Let’s take that same roustabout job. Perhaps you have scaffolding experience? Then say so. Companies always want people with some extra skills, as long as they don’t have to pay for it. Every boss wants his workers to be able to back each other up. He cannot afford to have critical jobs left undone just because the only guy who can do it broke a leg or something like that.

3. Can You Start Work Immediately?

Being able to start work immediately is always a strong point in your favor. If you can start work immediately, you can sometimes trump a rival with better experience. However, this does not just mean not having a job right now. You need to clear a lot of red tape before you can work on an offshore oil rig. If you have already dealt with the necessary paperwork, this saves the human resource staff a lot of trouble and they will be more willing to call you up.

While they aren’t supposed to behave this way, they are also human. In any case, this is a list of government paperwork you often have to deal with:

Firefighting certificate

First aid certificate

Helicopter underwater escape training certificate

Offshore survival certificate

Vaccinations

Passport

Visa

Relevant local union membership(s)

There is no fixed format for a cover letter. Neither is there such a thing as a perfect cover letter for offshore drilling employment. However, one thing is clear – your cover letter must have the above three important elements to persuade HR to read your resume.

Ethiopian Jobs And Filling Vacancy In Ethiopia

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For the better part of this decade, the Ethiopian economy registered an impressive growth in many sectors, including agriculture, construction, manufacturing, hospitality and service sectors. Data supplied by the Organization for Economic Co-operation and Development (OECD) shows, between year 2003 and 2008, Ethiopia registered an overall economic growth rates of between 5 and 12% per year.

As a result of this economic development, workers in many sectors have been getting better employment opportunities than in years past, and salaries have been going up steadily. Some sectors appear to be doing better than others, including engineering, accounting, finance, and IT Ethiopian jobs. There seems to be more job vacancies in Ethiopia in these areas than in others.

As one might expect, salaries vary widely from company to company, job to job, and region to region. Most companies do not advertise what they will pay ahead of time. Typically, in job vacancy in Ethiopia, salaries are posted as negotiable and/or dependent on company scale. However, to give a very rough indication, graduates in IT and Engineering with 2-3 years of experience may expect, on average, 3000-4000 ETB (300-400 USD) per month. Workers with longer experience and/or higher degrees may command more money.

Although there are a lot of people looking for vacancy in Ethiopia, some companies may find it difficult to get the right talent to fill their job vacancy in Ethiopia. This is primarily due to lack of experience of candidates in certain areas such as IT where the required expertise may be in short supply. Another issue that foreign companies in particular will find frustrating is the lack of strong work-ethic on the part of Ethiopian jobs workforce. In a recent survey conducted for World Economic Forum, poor work ethic in national labor force was ranked among the top five biggest problems in doing business in Ethiopia. Hence, companies may need to put considerable resources to train their workers in all aspects of their business so the employees do their job satisfactorily.

If you have job vacancy in Ethiopia or you are a job seeker and looking for Ethiopian jobs, please visit Ezega Jobs, the leading site for Ethiopian jobs and employment in Ethiopia. It lists thousands of Ethiopian jobs from all over Ethiopia.