Suppose There Were Designer Mice

Rats are lonely creatures. Who likes a rat? But, little mice are another thing. Cute, furry, twitching nose, who can hate a mouse? What about mouse ear tags? Cute may be why people empathize with the treatment of laboratory mice. After all, they are bred to be experiments in research. But, suppose there was a design feature that improves their treatment. Suppose there were designer mice. Mice are selectively bred to prepare them for research. They are systematically bred to have certain chromosomes and specific DNA to respond to trials. According to its guide on handling and treating lab animals, Novartis AG (Basil, Switzerland) says, “Nowadays, an enormous number of different inbred and outbred mouse strains, including genetically modified mouse … Read more

Money Saving Facts: To-Do-List To Ensure Employee Productivity

How To Increase Employee Productivity

How To Increase Employee ProductivityWe’re now in an era where competition has greatly heightened with old players fighting to hold on to their positions. Digital developments have taken the world by storm and provide new players with a more level-playing field. The numbers of entrepreneurs have surged in recent years and we’re seeing more innovations in different industries.

How to Increase Employee Productivity

In an effort to increase competitive edge, employers are observing worker productivity more and finding ways to increase employee productivity. There are now several technologies aimed at promoting this but are these really the solutions? Or, are they Band-Aid approaches to a larger business issue?

Cut your employees some slack.

Heavily monitoring your workers can increase pressure on them, increasing stress levels over time, even without additional workload. Mental limits do exist. Time spent working does not necessarily equate to the quality of work.

Breaks can consist from taking short naps to sitting at the computer doing non-work activities, anything that allows the brain to take refresh. Discuss with your leaders and your employees to see what works best or what kind of activities you can allow during work hours.

Be supportive to subordinates.

When you’ve noticed an employee that has been performing consistently poorly or there was a sudden drop in productivity, take time to engage with the worker concerned. This person may be undergoing a deep personal issue that’s preventing focus on work.

Establishing a supportive approach would not only help you find ways to work around the issue but would win your employee’s loyalty. That is a strong foundation for productivity. Be human. We all have those days. When reprimanding, do so in private and avoid using derogatory speech. If anyone deserves praise, jump at the chance.

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5 Things to Do When Consolidating Your Debts to Save

Moves to Make With Your Finances When Consolidating Debts

Moves to Make With Your Finances When Consolidating DebtAccording to the American Economic Statistics Office, the average American had credit card debt of over $5800 in 2015, with households averaging over $15,700. These debts come from a number of different credit cards. With the debt coming from a number of different sources, the process of managing one’s finances becomes a bit more tedious.

In order to make this process less tedious, people consolidate their debts into one. In some cases, debt consolidation would also come with lower interest rate. Another alternative is to apply for a loan with more favorable terms to pay off some more expensive debts.

5 Things to Do When Consolidating Debt

Personal finance experts have varying views about using debt consolidation a tool for improving one’s finances. However, regardless of what you might have heard or read about debt consolidation, here are some things you should do if you ever decide when consolidating debt.

Write Out Personal Finance Game Plan

It might sound harsh, but the reality is that most people find themselves in debt because they don’t budget. Put simply, budgeting is the process of planning your future expenses based on your expected income. A Gallup survey once revealed that two out of every three Americans do not budget. Don’t look too far, this data show why many people are in debt.

Since making your finances look better is the reason you’re planning to consolidate debt, it’s important to start with a budget. It helps to have your financial plan written out. There are tons of apps available these days that can make the process easier.

Average American has credit card debt of over $5800, with households averaging over $15,700. Click To Tweet

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Young People Are Taking Out Loans In The UK, Why We Should Be Worried

More and more young people are falling deep into debt and it is about time we got worried about it. Many teenagers and young people below 25 are finding themselves struggling to make debt payments and cover costs of living because of the huge loans they got themselves enveloped in. According to a report by Citizens Advice, in every 10 young people, 62% (or 6) are servicing high interest loans such as the payday loan. The charity went on to say about 15% of individuals with damaging debt cases are aged between 17 and 24 years. This figure would not have been so scary if the report did not go on to state that only 8% of that group was … Read more

How to Save on College Student Expenses on Campus and Earn More Money

How to Save on College Student Expenses

The following is a guest post on Money Q&A by Andrew Rombach, who manages the scholarship website, scholarshipfly.com. Would you like to write the next one? If you would like to write an article for Money Q&A, please visit our Guest Posting Guidelines page. You are spending too much money on your college education. Unless you’re the world’s thriftiest student already – and chances are you’re not – it’s a fact that you’re not saving as much money as you could be. You’re spending too much money on college student expenses. Save on College Student Expenses on Campus Below are a few of the biggest categories where students fail entirely in picking cost-effective options, aside from opting for in-state tuition. These failures keep students … Read more

Top 10 Tips For Applying For A Personal Loan in 2017

Should I Get a Small Business Loan?

You may be planning on a new car in the New Year, or maybe some home improvements. Well, if you are, these tips will help you when applying for a personal loan and to ensure the loan you get is the best for you.

Tips For Applying For A Personal Loan

1) Get The Deal That’s Right For You

Should I Get a Small Business Loan?Personal loans end up being used to meet many different needs by borrowers. You might be trying to consolidate debts on multiple credit cards, start a home improvement project, build capital for your business, or just take a vacation.

Before you make any commitments, make sure you’re looking at the right kind of credit. Depending on your circumstances, you might be served better by a line of credit or a home equity loan. Because your home serves as security on such a credit line or loan, you’re likely to get a better interest rate than you would from an unsecured personal loan.

2) Use A Trustworthy Lender

There are many financial institutions in the personal loan business. Examples include banks, online lenders, and credit unions.

Terms, conditions, and interest rates are going to vary from lender to lender. This makes it important for you to shop around before making a final decision.

As an example of the kind of interest rate variations you face, consider these averages provided by Perc Pineda. (Pineda is the Credit Union National Association’s senior economist.) A two-year personal loan for $5,000 comes with a 9.93% interest rate at banks, while the same loan has a rate of 9.54% at credit unions.

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