Blog Posts By Rank Princess.
Want the best shoes? All that matters is the ‘S’.
The “Safe, Stylish, Snug, Scented, Supple, Stable & Serviceable” shoes.
That’s not just pointless alliteration. That’s what you get when you describe the Octopus (Afterdark) shoes from the Scentra label.
And that’s another ‘S’ in Scentra.
Choose all the S’s for the best shoes. Or just choose the single ‘S’ – Scentra Octopus.
SCENTRA
The beach tote bag gives off a rich toned fruity smell when rubbed slightly.
ECO-FRIENDLY FABRIC
A choice between vegan leather and laminated canvas. The material is dyed in the smooth scents of natural fruits.
HANDMADE
Each stitch of the lining, the imported gold bronze zip, magnet buttons, handles, and side closures are created by hand by experienced craftsmen.
COLOUR CONFIDENCE
The pink and white shades of the tote marry all the style, design, and colour of the ensemble.
With the Internet has come the virtualisation of almost everything we do. It started with electronic mail, and now it has brought us the power of having an online wallet. Virtual wallets can smoothen out payments, and purchases like few would have imagined, and they’re completely secure.
What is an online wallet?
Very quickly, an online wallet is exactly what it sounds like. It’s a virtual space on the Internet where you keep your money.
And when you need to pay for stuff like bills or recharge your phone, you can use the money from this wallet. No hassles involved at all.
MobiKwik is a good example of such a wallet which is gaining popularity.
How will it change your life?
Well, undoubtedly for the better.
Everyone’s got a tonne of bills that need to be paid. They use a variety of bank accounts and fill numerous forms to pay out these bills. In the Internet age, this isn’t necessary.
You can transfer funds from your account to your wallet and directly use it for paying bills. It is as simple as that.
What services can be paid for?
In short – everything.
These virtual wallets can help you pay for landline bills, gas bills, electricity charges, life insurance, data cards, DTH services, and of course mobile recharges. Within mobile recharges too, they can be used to recharge your phone regardless of the service you use.
Is it safe?
Of course, you might be concerned with the safety of such a system. After all, it’s your money being stored in that wallet. And your information too.
But you needn’t worry, given the security standards which are prevalent today. People use the Internet for net banking and many more vital operations, and there’s no risk involved. Also, online wallet services (like MobiKwik mentioned above) offer very tight security for obvious reasons.
So, what you’re saying is…
You should get an online wallet! Not only will it make your life much simpler, but it’ll also allow you to access some pretty cool offers.
LSI Keywords: online wallet, virtual wallet, online wallet services, virtual space on the Internet, Virtual wallets
Comfort
Outsoles are specially made for flexibility and long-lasting comfort and made with 100{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} natural rubber. Cotton provides comfort and breathability for your feet.
Go Green
All-natural, eco-friendly materials used.
SmellGood
Every pair of Scentra shoes is dyed with a fruity smell.
Easy Cleaning
Just run your shoes under tap water, the mild pressure will clean them. Or toss them into the washing machine on mild mode to remove stains.
Dyed Fruity Scent
A sensual treat to the sensual minds of kids, the pair comes perfumed with a delicious fruity scent.
Eco-Friendly Material
Made from European cotton only, the pair adds to nature’s lush along with the kid’s style quotient.
Comfort With Durability
Comfort tochildren’s tender feet is full to the brim with flexible vulcanised outsoles made of 100{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} natural rubber.
Designed in California and handmade in Spain, the pair offers comfort along with the added tinge of childish sensuality.
Bunking in a hostel is one of the most cheerful experiences you will have in your life, especially if you are travelling alone. Here’s why you should opt for that backpacker’s hostel.
Become A Social Butterfly
Hostels are the best place to find that travel buddy you have been looking for. Hippie, existentialist, eccentrically glamorous, gorgeous 20-year-old solo female traveller, the dude who has been traveling for three months, the 60-year-old who was in Woodstock, and more. Yes, you can find all types of people here.
Go Dutch
Yes, sharing is caring and also means going Dutch. Especially when you travelling on a shoestring budget, this could be it.
Get A Date
Of course, you are bound to get attracted to one of the travellers you are sharing your room with.
Jam Sessions
There is always someone who plays a chichi instrument, a didgeridoo, ukulele or the clichéd guitar. Get jamming with musicians from all around the world! Make music and spread the love!
Stay For Free
Yes, this is possible. Get an offbeat job at the hostel where you only have to work a few hours in a day, and you can have the rest of the day to yourself to explore the town or the city you are in. Wash dishes, clean the rooms or become the evening DJ, and couch at the hostel for free!
Wherever you stay, just make sure to have loads of fun… because that is what counts in the end.
Reference Links
Solo female travel: How to keep you and your finances safe
LSI Keywords: Backpacking, solo traveling, staying in hostel, couching in hostel
Unsecured business loans are loans which exist without collateral assets on the line. This is great for SMEs and start-ups because it gives them the required push. CapitalFloat, in particular, has unique benefits to offer.
Unsecured business loans are a great way to move forward in the business world. Below are a few common questions people have about these loans, and their answers.
What are unsecured business loans?
Unsecured business loans meaning is that money is lent to you without any collateral assets at stake.
Most loans work like this. Money is lent to a business, and they have to pay it back with interest within a stipulated time frame. Some asset (like a house) is kept as collateral. If the business defaults on these loans, the collateral asset is taken away by the lender.
But this is different. Unsecured business loan lenders give you money on the sole creditworthiness or reliability of the business which is asking for the money. These are also known as signature loans or personal loans.
What happens when you default an unsecured business loan?
The lender can sue the defaulter for the money owed (principal and interest) as well as additional penalties and costs as a punishment for defaulting on the loan.
What are the interest rates like on unsecured loans?
The unsecured business loan interest rates offered vary from bank to bank. However, some Non-Banking Finance Companies (NBFCs) also offer highly competitive interest rates.
An unsecured business loan interest rate comparison would show thatCapitalFloat offers attractive interest rates starting at 1.33{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} per month. Of course, this is a general figure. The amount of money lent varies depending on the type of loan.
What are the different types of unsecured business loans?
Loans, in general, are only usually distinguishable regarding purpose, interest rates, and length.
Specifically, we find that CapitalFloat offers three kinds of loans: term finance, invoice finance, and online seller finance.
How’s the Term Finance loan CapitalFloat offers?
The features are:
All these benefits are provided in exchange for really small unsecured business loan requirements like three years’ operational history, a 650+ CIBIL score, and an annual turnover of over one crore (or) impeccably audited financials.
It is important to note that other lenders often expect much more from you, especially regarding collateral.
What about the Online Seller loan?
This is most suitable for companies who are expanding their market sales or moving to new markets. Companies in transition to becoming something bigger.
Aside from basic KYC expectations, all you have to show is one year of running a business, at least INR 25000 sales each quarter, and partnership vintage between 3-6 months at least.
Finally, what are invoice finance loans? Are they useful?
Invoice finance is loan that lenders like CapitalFloat give you on the basis of your invoice. That is, on the basis of how much money you expect to get from your customers.
The CapitalFloat invoice loans look as follows:
Expectations from the borrower’s side are minimum two years of functioning business, vintage of over three months, and an annual turnover of over one crore.
Are unsecured business loans financially safe?
In short, yes. Especially, for small to medium businesses, unsecured loans can be helpful.
You have no collateral, fast funding, the flexibility of repayment (within reasonable limits), and high approval rates. Also in the unsecured business loan, bad credit isn’t that harmful because the lenders often believe in helping the business.
All of this is great for SMEs because it’s difficult to give valuable assets as collateral, and loans are crucial in expanding and improving business.
Further reading:
LSI Keywords: unsecured business loan lenders, unsecured business loan interest rates, unsecured business loan meaning, unsecured business loan bad credit, unsecured business loan interest rate comparison, unsecured business loan requirements
The revenue or fund that your business has to run the daily, weekly and monthly operations is called the working capital. This includes maintenance costs, rent, office materials and utilities.
The absence of a working capital causes a business to fail; hence it has an intricate relationship with the health of business.
Working capital is also scrutinised by investors to assess your company’s financial well-being. It also identifies the liquidity of the business, i.e., the ease with which the company’s assets can be sold to convert to cash.
Calculating Working Capital
Working capital for businesses can be found through a simple formula,
Working Capital = Current Assets – Current Liabilities
The amount of working capital of your business indicates your capability to pay off short-term debts and expenses on a daily basis. The higher the working capital, the healthier your business is. If your working capital is on the lower side, then you should reassess your commercial model and business strategy.
Working capital can also be found using a ratio,
Working Capital Ratio = Current Assets / Current Liabilities
If the working capital ratio you calculated is less than 1, then your liabilities exceed your assets. This negative working capital is a sign of an unhealthy business. However, if this ratio is a very high number, then your business has too much inventory or assets on hand. Some of these assets can be invested on a long-term basis to help the company grow.
The ideal working capital ratio varies based on the industry that your business services. But, if this value is on an average between 1.2 and 2.0, then your business is running on a healthy note.
Purpose of Working Capital Management
The principal objectives of working capital management are,
The operating cycle here is the business lifecycle in its entirety. This includes the acquisition of raw materials, smooth production processes and delivery of products. One of the main objectives of the concept is to ensure smoothness in end-to-end processes.
The amount that is spent on maintaining the working capital is called cost of capital. These costs need to be carefully monitored and managed.
The ROI on assets that are currently invested should be greater than the weighted average cost of capital to ensure that wealth is maximised.
Working Capital Management – Approaches
There are three strategies that are commonly employed for the management of working capital.
As per this approach, in addition to the everlasting working capital, the variable working capital is also funded from long-term sources. This implies an increase in cost capital, but the risk of fluctuations in interest rates are lower.
In this strategy, the variable working capital, the whole or parts of the permanent working capital and, at times, the fixed assets are financed from short-term sources. The cost capital is hence decreased, resulting in maximum profits, but it holds significantly higher risks.
The fixed assets and the stable working capital are funded from long-term resources, while the variable working capital is supplied from short-term sources. This ensures moderate risks and moderate profitability.
Importance of Working Capital to a Business
LSI Keywords: Working Capital, Current Assets, Current Liabilities, Working Capital Management, Importance of Working Capital, returns on asset investments, working capital operating cycle
References
http://www.investopedia.com/ask/answers/100715/why-working-capital-management-important-company.asp
http://accountlearning.blogspot.in/2011/06/need-and-importance-of-working-capital.html
https://www.linkedin.com/pulse/importance-good-working-capital-management-business-fareed
https://www.kashoo.com/blog/what-is-working-capital-and-why-is-it-important
https://www.paychex.com/articles/finance/why-is-working-capital-important-for-business-success
http://smallbusiness.chron.com/importance-working-capital-management-avoiding-bankruptcy-39031.html
https://www.cleverism.com/working-capital-management-everything-need-know/
http://www.yourarticlelibrary.com/finance/importance-of-sufficient-working-capital/26225/
The hiring of talent for a short-term assignment is called contractual staffing or temporary staffing. Contractual Staffing, although quite prevalent in some occupations today, has been observed to hold a great potential for enormous growth in the coming years.
Outsourcing firms are the points of contact that provide temporary staff to organizations. The contractual workforce is screened, recruited and trained by the outsourcing agency, and is then assigned to client organizations while being compensated through the payroll of the temporary employment company itself.
Advantages of Outsourcing to Temporary Workforce
Types of Temporary Hiring
The Other Side of the Coin
Hiring contractual workers is like a double-edged sword, and needs to be handled very carefully.
It is understood that different companies rely on outsourcing for varied reasons. Although there are certain things to be aware of when embarking on contractual employment, the concept of temporary staffing is here to stay.
LSI Keywords – Temporary employment agencies, short-term assignment, contractual staffing, temporary staffing, temporary staff, contractual workforce, outsourcing agency, temporary employment company, Outsourcing to temporary workforce, Temporary recruitments, temporary projects, temporary employees, contractual personnel, short-term staffing requirements, Employing freelancers, engaging contractual workers, employing temporary manpower, Contractual employment, Employing contractual workers, Temporary Hiring, Functional Outsourcing, Project Outsourcing, Need-based Outsourcing, Offshore Outsourcing, Hiring contractual workers, Short-term employment opportunities, temporary staffing
References
https://www.peoplematters.in/article/staffing-recruitment/why-temporary-staffing-here-stay-12891
http://www.newgensoft.com/company/media-coverage/contract-workers-the-pros-and-cons/
https://www.mivirtual.com.au/temporary-work/
http://www.canadianbusiness.com/blogs-and-comment/temps-are-here-to-stay/
https://www.allegisglobalsolutions.com/blog/2014/september/the-contingent-workforce-is-here-to-stay
https://www.techopedia.com/definition/14497/offshore-outsourcing
We analyze trends in the blue collar job market using sophisticated mathematical techniques. This analysis can help recruiters identify the best candidates for the job. Additionally, it helps the job seekers find more jobs to their liking.
Presently, the context of the blue collar job market is rather vague regarding hiring practices. We have been trying to change that since 2013 and have taken another significant step in that direction.
Predictive decision making is something all companies, especially blue collar ones, can use to help recruit more reliable, productive, and loyal employees.
Why should you use predictive decision making?
Well, quite simply, because of its accuracy and succinctness.
By judging the job applicants by their past records, and any developing trends, predictive modelling helps you to choose between applicants.
Moreover, this method gives you a bird’s eye view of all the applicants’ position. Until now, candidates have been assessed rather subjectively. But by using this method, candidates can be assigned ranks and selection will become a much easier process.
What is predictive decision making?
Predictive decision making is a method of evaluating job seekers by observing trends of their past behaviour. It is a more succinct and accurate way of judging a candidate’s history. Until now, this has been done by personal judgment which can be subjective.
For example, parameters can include the candidates’ performance at earlier jobs, an improvement over time, punctuality, etc. We use several parameters in the assessment to develop more accurate predictions.
It sounds a bit experimental. Who else is using it?
Although predictive decision making might’ve seen most of its development in recent years, it has been quickly adopted by a vast variety of companies.
This is the same method being used by the best of all the big industries. To give an indication of the popularity of this method, here are a few industries where predictive decision making is being actively employed:
And more! To us, it only seemed natural that the blue collar job market did not miss out in extracting the many benefits of this method.
Is everyone else also using it for job recruitment?
Not really. Surprisingly, the application of this method has been limited to the work that organisations and companies do themselves. That is, they use predictive analytics to help their customers, give advice to their clients, etc.
We wish to extend the sphere of applicability of this method to job hiring methods because it is at least as important as the work that companies do.
How are these predictions made?
The predictive modelling techniques used range from the crude to the sophisticated, and are listed as follows:
Thus, you can see the level of sophistication predictive analytics techniques offer, and how it can help your company in improving recruitment practices.
Why do recruitment practices matter?
We appreciate the importance of hiring the best candidates who will prove valuable to the company in the long term and contribute to a better workspace. This method of predictive modelling is in line with our abiding commitment to improving the work environment in the blue collar sector.
LSI Keywords: predictive analytics, predictive modeling, predictive modeling techniques, predictive analytics techniques, predictive analytics algorithms.
Further Reading:
https://en.wikipedia.org/wiki/Decision-making
http://thenewstack.io/predictive-analytics-can-improve-decision-making/
https://www.cgi.com/sites/default/files/white-papers/Predictive-analytics-white-paper.pdf
https://halobi.com/2016/07/descriptive-predictive-and-prescriptive-analytics-explained/
http://dssresources.com/faq/index.php?action=artikel&id=239
