Navigating High Turnover

Navigating High Turnover: Effective Recruiting Strategies for Industries with High Employee Attrition Recruiting and retaining top talent can be a challenging task for any organization, but it becomes even more complex in industries plagued by high turnover rates. High turnover industries, such as retail, hospitality, call centers, and seasonal work, often face unique recruitment hurdles …

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Business Support Services for Financial Service Companies

Business Support Services for Financial Service Companies Financial service companies operate in a highly competitive environment, with the need to constantly innovate and adapt to changing market conditions. In such an environment, it is essential for financial service companies to have access to reliable and efficient business support services that can help them optimize their …

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Recruiting for High Turnover Industries

Recruiting for High Turnover Industries Hiring for a high turnover industry is especially challenging. Recruiting for qualified candidates is increasingly tedious and frustrating in the post pandemic environment. Most common complaints from employers include: an overwhelming number of resumes unqualified candidates wasting employers’ time and not enough time to schedule interviews. Consumer Debt Solutions wants …

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Personal Finance Tips and News

Personal Finance Tips

personal finance tipsCheck out some of the most popular personal finance tips articles and feeds on the internet. We will continue to compile more feeds as we find them. Financial literacy is crucial when making decisions about personal spending, credit, budgeting and saving for the future. We hope you take advantage of these personal finance tips listed below. Knowledge is power!

Buying vs Leasing a Car – Pros and Cons

buying vs leasingWhen it comes to obtaining a new car many people have a hard time with the buying vs leasing decision.  Sometimes, people make the wrong choice due to insufficient information.

Advantages and Disadvantages of Buying a Car

Buying a car guarantees that the car will be fully yours once you pay it off and much later after that, you can sell it if you want to.  A new car offers safety because no one has used the car before you.  You have warranty when you purchase a car at a dealership.  So far everything sounds really good; however there are a few disadvantages to consider.  In most cases, buying a car means you will have a higher monthly payment.  Also, after you pay the car off, you may start having serious problems with the car causing you to spend money constantly.

Advantages and Disadvantages of Leasing a Car

Leasing a car is a cheaper option because in most cases, you do not have to give a down payment and if you do have to give a down payment, it will be very low.  The monthly payment is also much lower than when you lease a car.  You  have the luxury of driving a brand new car every three years or so.  The cost of maintenance and repair is less because you only have the car for a short period of time.There are three main disadvantages to leasing a car.  The first disadvantage is that you never get to own your car and you have to worry about any minor scratch or stain because the dealer will charge you for that when you turn in the car.  The second disadvantage is that if you go over the mileage, you will have to pay mileage fees.  The third disadvantage is that you will be required to pay higher insurance for the leased car.

Beware of lease discontinuation fees. These fees are charged at the end of your lease and are usually waived only if you lease another car from the same dealership.

For assistance with your lease or purchase, you can employ an auto buyers agent. These auto buyers agents can help you make the best choice to fit within your budget and try to get you the best possible price on the car you want. Whether you buy or lease, a high credit score is plays a crucial role in keeping your monthly payment lower than it would be with a lower or bad credit score.

Free Credit Report

It’s QUICK, EASY and SECURE. Request your free credit report>>

The website, annualcredfree credit reportitreport.com, offers you the ability to pull your free credit report WITHOUT SCORES once per year from each of the credit reporting companies, Equifax, Experian and TransUnion. This process does not affect your credit in any way. It is important to see what’s on your credit report at least once a year to verify that there are no inaccuracies reported that may be affecting your score.

When pulling your free credit report online, there are a series of security questions that you will be asked to ascertain your identity prior to allowing you access. If you cannot answer them, you are still able to send a letter directly to the credit agency to make your request. Annualcreditreport.com gives you the information necessary to do so in the event this should occur.

There is an advantage to pulling all three credit bureau files at once. You have the opportunity to compare all three reports. You may find that not all credit reports will contain the same items. The only hitch is that you can only pull a free credit report once per year from each agency. If you have already done so and would like to repull your credit, there are other options to obtain the “tri-bureau” reports.