dominiquecidas's Space http://dominiquecidas.posterous.com Most recent posts at dominiquecidas's Space posterous.com Tue, 11 Dec 2012 22:18:43 -0800 The Importance Of Managing Money http://dominiquecidas.posterous.com/the-importance-of-managing-money http://dominiquecidas.posterous.com/the-importance-of-managing-money


Do you want to get a personal loan, but are unsure of your chances because you have poor credit history? Because you might still be able to get the loan, you shouldn't give up hope. In order to learn some helpful hints on getting a personal loan even with bad credit, keep reading the article.

Even with bad credit, you might still be able to get a personal loan due to the fact that there's so much competition in the market to provide loans to people with bad credit. This loan might not be at such a good interest rate compared with someone getting a loan who has great credit and this is something you might want to be aware of.

Make sure you can meet the monthly payments before you try to get a loan. Instead of hurting it with your loan, you want to be able to help your credit record. You should write out a budget and follow it to make sure that you don't overspend. When it comes to staying debt free, this will be the key.

You need to learn your credit score and this will help to determine what kind of loan you will be qualified for. The major credit bureaus are the ones who will be able to help you improve your credit score which is why you would want to make sure that your loan will be noted by them. Your credit score is what you can determine when you are the negotiation process with your potential lender.

Try to determine how much money you really need in a personal loan. The payment period will be shorter even though some loans will have a lower interest rate. Compared to other loans, this one might take you less time to pay up and this could help you to better manage your money which is why you might even save money with this kind of arrangement.

You should compare your personal loan options with your credit card options. There are times when you can get a credit card with 0% APR for the first six months to a year and most of the time, a personal loan will have a lower interest rate. This could help you out as well depending on your situation.

First, you need to shop around before you decide on anything definite. Taking notes of the rates of all the major lenders and seeing how they add up is what you would want to do. You should also try to determine what works best for you and go with it.

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Tue, 23 Oct 2012 04:02:49 -0700 12 New Ways For Making Meetings Effective http://dominiquecidas.posterous.com/12-new-ways-for-making-meetings-effective http://dominiquecidas.posterous.com/12-new-ways-for-making-meetings-effective

Here are some tips that you can use to make meetings more effective and productive.


Have everyone arrive about ten minutes early. This time can be used for socializing a bit, getting coffee or other drinks, or for organizing materials for the meeting. It also makes sure that everyone will be present at the actual start of the meeting. Make this part of the agenda.


Discuss sensitive issues with the key participants before the meeting. This is a good opportunity to get info on these issues. The information you gather can be used for the meeting agenda. In addition, you may be able to facilitate solutions or strategies for solutions before the meeting.


Plan small meetings that focus on a single issue. People work more effectively over short periods of time (such as 30 minutes). This will allow you to match the right minds with the right issues.


It's ideal to invite only those who can contribute much to the meeting. If the meeting would take more than 30 minutes, invite special participants to parts of the meeting that has to do with their contribution.


Give copies of the minutes to those who could have been included in the meeting for informational purposes. They can read the minutes in a small fraction of the time that they would have been spent in the meeting.


If you find yourself invited to a meeting with quite a vague agenda, consider the importance of your role. If you don't have an important role in the meeting, politely ask to be excused from the meeting.


If a meeting seems out of control, suggest adjourning and reconvening at a later time. This will allow you to clarify goals, prepare strategies, and better understand the issues.


Reflect the content of key points. This ensures that everyone can get the same understanding of the key point. This is one of the chairperson's responsibilities, but anyone can fill it.


You should prepare a list of questions, ideas, and suggestions before the meeting. This gives you a better chance at listening during the discussion.


You should observe the listeners instead of the speaker. Their faces and body language will tell you whether they agree or disagree, which can help guide your participation in the discussion.


Work with the right kind of urgency. Discussions in meeting should have an end. Make a time budget and stick to it. You should only give extra time when the issue is worth it.

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