Cash Genie: payday and short-term loans

Cash Genie is a firm that offers small loans to borrowers who need some extra money to get through unexpected expenses. The idea behind them is that, when life throws you a curve ball, you have somewhere to try to find the money to get through it. What they don’t do is give long-term loan facilities; that’s the place of other organisations and, in any case, they are not the best option for this – their rates are intended for the short-term market, which means that they would be too expensive if you tried rolling the loan over for several months or years, as you’d expect a regular loan from a bank to do.

Cash Genie generally offers sums of between £75 and £750 for a period of just one month. The cost for this is 30 percent – meaning that if you borrow £100, you would pay £130 a month later. Naturally, if you kept borrowing, this would spiral – the APR or annualised rate of interest on this basis would be 2339 percent. But the point is precisely not to keep borrowing: it’s to borrow once, when there are no other opportunities to find the cash elsewhere, to get you out of trouble – and hopefully stay out of it. One comparison for looking at the interest rate is staying at a hotel. You might pay £50 or £100 for a night away somewhere, and not think too much of it (assuming the hotel was of acceptable quality). And it’s intended to be just that: a night, or a short time away. But if you think of it in annualised terms, the same stay would set you back up to £36,500 – obviously more than most people are willing to spend! In the same way, cash loans are supposed to be for a short period of time.

If you need to find money at short notice and can’t find it anywhere else, Cash Genie may be able to help. You’ll need to be over 18, own a debit card and earn at least £500 per month. The average customer is in work but experiencing cash-flow problems; it makes sense for both parties that the borrower will be able to repay the money at the end of the month, since if not the company loses the money and the customer runs into further problems. Of course, you shouldn’t take on any kind of loan without careful thought first. One way of looking at it is, will the cost of not taking out the loan (in penalties, fines or lost services/earnings) be greater than the cost of the interest?

Please visit http://www.cashgenie.co.uk/ for further information about this topic.

http://www.cashgenie.co.uk/

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Graduate scheme: is it the best way to find your dream job?

Perhaps the two most well known and most effective ways of securing graduate jobs are to get a place on a graduate scheme, or to get an internship at a company you might like to work for.  These are both very sensible ways of making the first step on your chosen career path, and which one you choose will probably depend on the sector you are looking in.  Those keen to find work in marketing, banking or accountancy are likely to follow a different route, for example, than graduates who are interested in publishing, the media or charity work.

There are certainly some fields in which a graduate scheme will give you the best possible start to your career.  One of the main advantages of this type of scheme is that you tend to be given experience in various areas of the business, so you will not only make contacts across the business, but you are likely to get a good sense of what sector interests you most and is most appropriate to your abilities.  In addition, as these schemes are fairly competitive to get onto, the graduates who do succeed in their applications tend to be invested in and treated with the respect that is worthy of their endeavours.  This means that they are often given important and interesting work from the outset, and start off with a significant amount of responsibility and often a decent salary.

This can be in contrast to the ‘intern’, who is often at risk of becoming the go-to person for making tea, photocopying, and filing jobs.  Unpaid internships involving fairly menial tasks can be an unappealing prospect, but realistically they are unavoidable if you are interested in getting into certain sectors.  It is almost impossible to find paid employment in journalism, broadcasting, charity work or publishing, for example, unless you have done your time as an intern.  It should not be viewed as a necessary evil, though.  As an intern, you have the opportunity to find out about how the company works and what it is really like working there, while making the contacts you need if you do want a job there.  The important thing to remember if you are an intern is that it should be looked at as an extended interview.  You have a few weeks in which to impress a prospective employer with not only your skills and enthusiasm, but also with your personality, as fitting into a workplace can be just as important in securing a position as showing that you can do the job.

If you are looking for graduate jobs, then, it is vital to be aware of the best path to your ideal job.  Whether it is a graduate scheme or an internship that looks likely to fulfil your a career aspirations, it is sensible to start applying for them as soon as possible, as the first step to making sure you stand out from the crowd.

Please visit http://www.careerplayer.com/ for further information about this topic.

http://www.careerplayer.com/

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Nursing home manager jobs: an expanding area

There’s been lots in the news about care homes recently, for two reasons. The first is that Southern Cross, a large operator of care homes, is in dire financial straits after falling foul of a problematic business deal carried out some years earlier. As a result, they may need to sell a large number of properties. You might be forgiven for thinking that care home manager jobs will be decreasing in the near future, along with other such positions (such as nursing home manager jobs) as the sector shrinks in difficult economic times. However, whatever difficulties Southern Cross are having are not a good reflection of the state of the sector in general. Home manager jobs will become increasingly important as time goes on, for one simple reason: demand is growing.

The government has described Southern Cross’s issues as a ‘commercial sector problem’ and will not step in to intervene directly – although they comment they are ‘monitoring’ the situation. Negotiations with landlords to reduce rent payments are ongoing, and it may well be that the company passes on a proportion of its homes to other businesses. However, in the long run care homes, and the jobs that go with them, are not under threat. Those that operate under faulty business models will get into trouble, but that is true of any business, especially in a downturn. The second news story explains why this is only a short-term problem. The OECD reported that demographic changes mean that the UK will spend a significantly increased proportion of its GDP (perhaps twice as much or more in some reports) on elderly care by 2050.

That means more homes, and so more care home manager jobs. A different model might be employed in the future – again thanks to awful recent news stories. nursing home manager jobs could be required for smaller operations, rather than the large institutions currently favoured. Instead, places housing perhaps only a couple of dozen residents may become more normal, offering smaller-scale and more local help to those who need it. Home manager jobs will be more common, though they may be broader in scope, too. But whatever the landscape of vacancies in the future, the statistics speak for themselves. The country is undergoing significant changes in terms of population distribution, and that will have a huge impact on the delivery of care over the coming years and decades.

Please visit http://www.aboutcare.co.uk/ for further information about this topic.

http://www.aboutcare.co.uk/

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