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Progressively more people are using payday loans every day. The loans are simple, fast processing and come with a low interest rate. Quite interestingly, more people in the United Kingdom are using this service. However, that should come as no surprise considering all the benefits of payday loans.

What exactly are Payday Loans?

Payday loans are connected to your paycheck in a sense that your paycheck is used to pay them off. Payday loans are loans just like every other loan. They come with interest and need to be borrowed form a lender. However, you do not pay off these loans on a yearly basis. As soon as your next paycheck comes, they use it to pay off your loan.
Payday loans usually range from £100 to £1500 with varying levels of interest. Payday advance lenders will grant you the amount of money that you need, up to £1500, and take the money directly out of your paycheck. Payday loans assist countless people overcome many financial difficulties every year and hence it is no surprise why they are so popular.

Why don’t More People take Payday Advances?

There primary reason why many people do not take payday loans is because they don’t need to take them. For most people, they decide to budget their paychecks at the start of the month. This is the best way to avoid taking payday loans. They control their money better because they don’t want to take the interest that comes with payday loans.

Another reason why more people do not take payday loans is because of the small amount of money that you can borrow. Most people usually need to borrow large amounts of money at once and most payday loan lenders do not grant the large amount of money they need. However, you need to remember that payday loan limits are usually in place based on the average paycheck.

Why take Payday Loans?

Quite possibly the biggest motivation people have to take a payday advance is because of the shortage of money. However, it is normal to have a shortage of money by the end of the month. It happens to all of us at some time or another. Some people may even run out of money half way through the month.

The best thing about a payday advance is that you get money when you want. If it is the 15th of the month and you have run out of money, you can go to a payday loan lender and get money. What makes this fact even better is the fact that they will not ask too many questions, especially why you need the money. Not only does this put money in your pocket, it gives you some peace of mind.

Another reason why you may want to take payday loans is because of the rapid, almost instant, approval process. Most banks take a considerable amount of time to verify the documents that you submit and your application for a loan. This is one principle reason why people love taking payday advances.

Payday UK Loans – Uncover Genuine Online Payday Loan Financial institutions on the Net

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To actually find genuine online payday loan financial institutions on the net, you will have to look around a bit. However, they are not impossible to find. The great thing about online lenders is that you do not have to leave the comfort of your own home in order to get a payday loan. Payday UK is a genuine online payday loan financial institution that will help you with your financial problems.

Additionally, most online payday loan financial institutions have a faster approval process than on-location lenders. Quite interestingly, most online payday loan financial institutions will only ask for proof of your job so that they know that you are earning a paycheck.

Whether you decide to get a payday loan or not is completely up to you. However, if you are searching for genuine online payday loan financial institutions, try visiting Payday UK first.

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I’m currently writing a series called “The Diary of a Business Blog” (you can find part 2 here) which looks at an imaginary business owner going through the process of setting up and developing a blog for his business. One of the questions that the first couple of posts has elicited from BBB readers (thanks, by the way!) is “what makes a successful blog?” and I guess that this is probably a key question for any organisation looking to create their own business or corporate blog.

My answer: a successful business blog is one which fulfils the purpose and achieves the results that it was created for.

Now that may sound like a bit of a cop out on my part and I suppose that, in one way, it is. However, there is a good reason why.

There’s more than ONE type of blog

The issue is that there are so many different types of business blog, it’s simply not possible to give a single definitive definition of what success would look like or indeed a blueprint for creating one.

To give a couple of examples: if we look at a CEO Blog (such as Jonathan Schwartz at Sun or Richard Edelman’s 6am blog) then the writing style, format and content are going to be very different from one designed as a product blog. So too will be its aims. Likewise a corporate blog which brings together a community of users and developers for market research or product development, will have a very different definition of “successful” from an “expert blog” written by a consultant or legal professional looking to directly improve his/her profile and reputation.

However, what they will have in common is likely to be a clear set of objectives, albeit all different, which they are focused on achieving. These objectives would have been identified as part of the planning process and should always be in the back of your mind (or written on a postit in front of you!) when writing and promoting your business blog. [Aside: I’ll be looking at some possible objectives and metrics to measure them in a post next week.]

Some pointers for your Business Blog

However, having ducked the question once, I’ll try to make amends now. If I had to make some suggestions to organisations starting a blog that would help to achieve the goals that they have set for it, then I would recommend the following:

• Don’t try to be everything to everyone: the best type of business blog will often be very targeted in nature. It will have identified the people that it wants to appeal to and should be written in such a way that it attracts, retains and develops that audience;
• Plan, focus and stay true to your goals: you planned your objectives when you started, so try not to be distracted from them. If those are what you want to achieve, then make certain that you concentrate on them and don’t get pulled off in different directions;
• Write interesting, compelling, focused content: you know the audience you wish to attract and hopefully you also know what will interest them. So try to present them with that information in a way which is authentic and which communicates the passion that you have for the subject;
• Make it visually appealing: that doesn’t just mean images, although they certainly play a major role, but also break the text up with sub headings, use a header which supports and shows off your brand and ensure that above all it is easy on the eye. Don’t distract your readers from your content or make it difficult to take in;
• Launch it properly: Plan the launch and make sure that you use all of the means at your disposal to tell people about it. Get your Foundation posts in place, use your mailing list, pre-announce it if applicable, create online press releases to support it and ensure that you put some weight behind the activities. If you believe it’s worth reading (and let’s hope you do!) then tell people and enthuse about it;
• Vary the style of posts: while the content should be targetted, there are different ways in which you can present it from “expert pieces” to lists and from news stories to links to other key sources. Make sure that you break it up and present the information in different ways – it’ll help get across the points you are looking to communicate. [Some ideas on blog posts here might be of use];
• Market it religiously: there is no point in having a blog and just letting it sit there – tell people about it. Use all the methods available both online and offline, generic and blog specific and then use all of them again! While your writing will hopefully attract readers over time, you should still “spread the word” at every opportunity.

Ultimately, the person best placed to judge whether the blog you are running has been a success is … you! However, don’t make it hard for yourself – know what you want to achieve with it and then going all out to make it happen.

Source: Mark White, Blog Consultant

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We asked the following question on our Alumni Sharing Knowledge (ASK) LinkedIn Group:

How Do You Build Experience if Internships Aren’t Available?

Depending on the degree and experience your looking for, volunteer work is a great way to build experience. Look at non-profit organizations – they are usually looking for help in certain areas on your resume it doesn’t matter if it’s paid experience or not – experience is experience.
- Jean Radeztsky MA, COACHSULTANT, Avail Coaching & Consulting

Do for-profit companies ever allow volunteers? I suppose it may be against the law. It would be neat to offer yourself as an un-paid intern, though! Then you would not be limited to only non-profits (although non-profits are fantastic). I ask because I’m interested in volunteering for a business in a poorer region, since wouldn’t it be cool to help out a business, so as to help create jobs and wealth for the people there?

Sorry, though, Ana – I’m a little off your topic. More regarding your question, I have gotten a couple small, paid jobs in my area of interest at local businesses, and so have my friends. For example, my friend Emily wants to be a physical therapist, and she works at her father’s chiropractic clinic. My favorite English teacher hired me to build a website for her own start-up company. Someone in my church needed a computer guy, so I’ve been working in his office for two years now. So, that might be an option to look into – ask people you know (if you know anyone who works in your field). Maybe that’s silly advice; if you’re studying as an engineer you might have tough luck there!
- Ryan Schroeder, Software Developer at Top Gear Outfitters, Student at the University of St. Thomas

I agree that volunteer work is a great way to build experience. Someone or some company would be thrilled to have your services for free. When I wanted an internship in college, I created my own. First I thought of where I’d love to intern, then I went and asked. Though the Mayo Clinic had no formal internship program, I was able to create one for myself. I did the same at St. Mary’s Hospital. I suggest thinking of your skills and where you would like to use them. Then, contact those companies and see what you can arrange. Even if they don’t have an established internship program, you might be able to construct an experience perfectly fitted to you.
- Jane Baldus, Recruiting Manager, Farmers Insurance

Look for ways to get experience at your campus too. Think of opportunities with professors to do research or assist them with a project, take a leadership role or create a position of interest with a student club, think of coursework you have completed that would be a strong transferable skill (communication, team work, initiative, self-direction …etc.)
- Becky Durham, Career Development Specialist/Real Estate Sales Executive at RE/MAX Results

Get in on the discussion

UST Students and Alumni are invited to get in on the discussion by joining our LinkedIn Group Alumni Sharing Knowledge (ASK).  Post job search and career related questions to be answered by other students and alumni. Become part of the discussion and start networking today! Not on LinkedIn? Learn more and get started.

Source: Lori Kraus

You want to have a blog which benefits your business – yes?

You want a blog which people are going to want to come back to time and time again – yes?

Essentially, you want a blog which is going to be successful – yes again?

Well, to give you the best chance of a successful business blog, then you’re going to need to make sure that you tick all the boxes to ensure that all of the underlying elements are in place to make that happen. It’s not difficult but it is important.

For me, there are 5 elements which are like building blocks that make a blog what it is, 5 layers if you like that constitute the makeup of a blog and so 5 key aspects that you need to keep in mind as you plan and develop your blog.

1. Philosophy
Underpinning everything else are the general philosophy needed for blogging – you’ve got to be comfortable with the basic ideals of what people expect from blogs or else you’re going to fall at the first hurdle. The key one is that of openness – if you, or your company, are not willing to be open and honest in dealing with the readers of your blog then the likelihood is it will not achieve the goals you have for it. Be transparent and honest, and you’re off on the right foot.

2. Technology
You need to build the blog on the right technology base so that it supports what you want to do with it. It has to be one that will help your blog achieve the requirements that you have for it, both now and in the future. Making sure that it can grow with your ongoing needs is key to effectively future proof all the work and effort that you’ll be putting in. There are a number of excellent blogging platforms available – my own preference being for the full self hosted WordPress – but just ensure that you pick one that will be able to grow with you.

3. Business
Getting the business elements right means that you are treating the blog as the business and marketing tool that it is rather than as a piece of technology divorced from the company’s aims and requirements. Getting the business part right means that you’ve planned your objectives and aims for the blog, know how you intend to promote it (including with social media tools in place) and have answered the 3 key questions in the planning phase which are:

• i) What do you want the blog to be used for
• ii) Who is your target audience and what do you want to attract to your blog
• iii) What you want to achieve with it and how to measure that?

4. Layout and Graphics
The so called “look and feel” layer focuses on how the blog will be laid out and takes into account not only the graphical elements and branding but also how the layout and structure can reflect the goals of the blog and the company. In addition, the layout should support the business goals by ensuring that the key “real estate” areas are used as effectively as possible and navigation remain intuitive and compelling giving a “stickiness” to the blog.

5. Content
Finally the content is ultimately where your ongoing focus needs to be, with all of the other elements essentially being there in place to support and market what you write about. This is of course the key part which needs to have our ongoing focus since all of the other elements will ideally be planned and implemented in the planning and preparation phases.

While the content element does rightly get the lion’s share of our attention and much of the online advice on setting up and writing blogs, the content will only work to its full potential in a blog built with a foundation of the other elements outlined above. They are what ensures that the content is correctly focused, distributed, read and shared – essentially delivering you a successful blog in the process.

Source: Mark White, Blog Consultant

Career Talk is sponsored by the UST Career Development Center and can be heard live  online on KUST (kustradio.com). Listen live Mondays at noon or download the episode from this blog.

We continued the Career News Quest! Listen to Career Talk live, or via podcast for a question each week and use our feeds to answer the question. It’s easy! We point you in the right direction and all you have to do is look at our Blog, Twitter, or Facebook!

• Career Talk Lite (about 20 min with only career news and tips segment)
• Full episode (about 50 min with career news and tips AND music)

Career News Quest for Monday, October 4, 2010

Today’s quest:

On September 30, 2010, at 3:40pm, USTCareer tweeted: “Include Class and _______ on Resume If You’re a Student – Quintessential Resumes Tips Blog http://goo.gl/v4uJ” Check our Twitter feed for the answer!

Submit your answer to careertalk@stthomas.edu or our voice-mail at (651) 962-6770 before next Monday’s show!

Browse our Facebook page, Twitter feed, or Blog for the answer. Those with the correct response will be entered into a drawing to win a USB thumb drive perfect for storing academic or personal documents! Since this is a drawing and not first responder, ALL responses have an equal opportunity to win whether you submit your answer during the live show or 3 am on Sunday!

USB thumb drive winners must be able to present a valid UST ID and pick up their thumb drive at the UST Career Development Center in St. Paul. Responses must be submitted by 8:00am Monday morning. Submit responses by leaving a message on the Career Talk voice-mail line at (651) 962-6770 or E-mailing careertalk@stthomas.edu. Students, faculty, and staff are invited to submit their responses. Happy hunting!

Source: Chad Kluck

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