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Grants For Troubled Teen Programs

Loans are available for parents who belong to low income groups to pay for placing their troubled adolescent children in reform or rehabilitation facilities. Loans are given by Government agencies and are dispersed by financial institutions. Parents can get the loans if they send the teen to institutions, schools or programs that are considered reputed institutions by lending agencies. Parents of low income groups can get low cost financial assistance at a low rate of interest to help their children attend reform programs that will make them responsible citizens.

Scholarships and loans are available for every type of reform program for troubled teens, Financial aid is available in the form of scholarships and education loans for paying for residential school internships, boarding school education, wilderness programs and boot camps. The only consideration is that the schools should be licensed and recognized teen rehab programs. Loans cover all the education needs of the student in these programs which can cost between $2000- 9000 per month. Work for pay programs for troubled teens is popular because it reduces the burden on the budget of parents.

The benefits of taking financial aid for reform programs for troubled teens are that parents can get the best possible option for the rehabilitation of their trouble teen. They can get a loan to pay for programs that address the specific needs of their adolescent. The teen can get the help for his or her unique needs. Short term and long term loans are available. Loans and the rates of interest can be tailored to the payment capabilities of parents of troubled teens. With the advent of the internet, parents can shop among the many loan choices available and choose the loan that fits their repayment capability and covers the rehab program that suits their child best.

Before taking a loan, parents must consider the rules and regulations of the program. They must choose the loan with the lowest interest rate and the convenience of the repayment plan. Some programs like military boot camps for troubled teens have rigid expulsion rules. If the teen is expelled readmission is not permitted and the fees are forfeited. This may cause hardship to parents who have taken a loan to reform their child. Some programs offer scholarships to adolescents who make a sincere effort to reform. Parents should apply for loans that take into consideration the fact that the child is troubled and may not complete the course of rehabilitation.

Experts believe that parents should explore all options before taking a loan to send their child for rehabilitation. The loan must have affordable terms that fit into the parents’ budget. The rates of interest charged by the financial institution should be affordable. Parents should discuss all financial benefits with the program administrators before choosing a program. A choice should be made after exploring several financial aid options available to parents. The loan should cover all the expenses that will be required to help the troubled teen to successfully complete the program.

Education loans and scholarships are available for parents of troubled teens to give them the best possible options to turn their life around and become responsible adults.

An Insider’s Review Of The Primerica Business Opportunity

An Honest And Critical Primerica Review (Don’t Join Before Reading!)

An Insider’s Perspective From A Former Primerica Regional Vice President & $200K/Year Ring-Earner

Primerica (formerly known as PFS/ALW) is a financial services company that uses a Multilevel Marketing model. Over the last 33 years, the company has produced a multitude of 6-figure and 7-figure a year earners. In early 2010, Primerica went public after breaking ties with Citigroup, it’s long time parent company. Currently, the sales force is made up of 100,000 licensed reps. Primerica is a legitimate business opportunity and has maintained a good rating with the Better Business Bureau.

However, there are some very significant pros and cons to Primerica’s Opportunity. In this review, I’ll give you a brutally honest Primerica Review, list the pros and cons of the business and address the question of whether or not it is a viable opportunity for the average person to make a significant income.

First, let’s start with the Pros:

1. Primerica gives someone with NO experience at all in financial services to join the company and get licensed and certified to market financial product.

2. Primerica offers a part-time opportunity for it’s reps. This is a huge feature since agents can learn the business at their own pace while making income from their jobs.

3. Unlike most Multilevel Marketing opportunities, someone can make a decent income by personally marketing products like insurance, securities and mortgages.

4. Primerica provides a lot of support, mainly due to the training available vie RVP-run local offices.

5. As mentioned earlier, Primerica has one of the most documented track records in the industry and has produced many 7-figure a year earners. Currently, there are almost 70 leaders in Primerica that make $1,000,000 or more in yearly income.

Now, let me give you the Cons…

1. The product training is basic, which is sad for some clients that are being serviced by new reps. As for me personally, I would not want my families finances handled by a financial rep that has little to no experience.

2. Primerica pays a much LOWER commission to reps when compared to what they can make if they were an independent financial services rep.

3. At Primerica, you’re a “captive” agent. In other words, you can’t offer other company’s products and your clients are NOT your own. Without the ability to shop around for the best possible products for your clients, you may be selling them products that aren’t suited for them. While shopping around is a regular practice by independent reps, it is strictly forbidden at Primerica.

4. You lose approximately 80% of your team’s recruits because of licensing. The company stats indicate that ONLY about 20% of incoming reps pass their life insurance exams. What about the eighty percent that don’t pass their exams? Basically, they fall through the cracks and become a statistic. Imagine building a group that is recruiting 100 new people on a monthly basis. Think about this, out of those 100, 80 were people you couldn’t build with because they coudn’t pass their state tests for whatver reason.

5. This is a important part of the comp plan that isn’t shown in the presentation – When you get promoted to RVP, you give your best one or two legs to your upline RVP. This is known as “ownership exchange”. Imagine, working your tail off to earn your Regional Vice President promotion, only to pass up your best leader(s) to your upline and starting the building process all over again… Only this time around, as an RVP, you have office expenses to worry about and you are full-time with no other sources of income. By the way, Primerica requires it’s RVPs to be full-time and forbids them from making money elsewhere. This is extremely important to know if you are seriously considering the Primerica Business Opportunity.In other words, if you are interested in building multiple streams of income, you can forget about it once you hit the RVP position.

In closing, Primerica is a legitamite opportunity where someone can learn how to sell financial services and build their own MLM team. Just be sure to do your due diligence on the compensation model so you know exactly what’s in store for you.

So… Should You Join?

If you’re looking for a business that doesn’t require HOURS of financial product training, the probability that you’ll lose a ton of people during the licensing exams and the fact that you have to give your upline your best leaders, then Primerica is definately not for you.

However, if you’re interested in the idea of recruiting financial reps and potentially opening up your own financial services office, then Primerica may be what you’re looking for.

Financial Domination

What is Financial Domination exactly? Sounds like I’m about to discuss a monopoly of some sort like big corporations taking over mom and pop entities. Not quite exactly what I had in mind for this article. What I am about to discuss with you may be hard for you to believe but I am very much telling the truth. This has been going on for as long as men have been talking about it. Most recently in the last 10 years or so it has become popular on the internet. I won’t keep you waiting… Drum roll.. Financial Domination is a fetish where mostly men become sexually aroused by being dominated and controlled financially. That’s right, men are actually aroused by the idea of handing out their cold hard cash to women just because it is demanded of them. The have a deep need to be controlled and exploited financially.

A woman who financially dominates a man is called a Mistress, Domme or a Goddess. These women are usually dominant in nature. Perhaps starting as full on dominatrixes with the typical whips and chains with leather attire. They slowly integrate themselves into this aspect of domination for obvious reasons. Some of these women are only doing this for financial gain and some are actually aroused by the power they have over these mens finances. Receiving gifts and cash from men all over the world could be arousing for most women. It is definitely a fetish that is attractive for women who are compulsive shoppers. Women who love jewelry, clothing and fashion tend to be drawn to this type of career. It’s an addictive profession for anyone who is weak for material things.

A male in this scenario would be called a money slave, pay pig, submissive, sub, cash cow and other various terms. Most of these men have stories of dominant mothers and sisters growing up and how they feel their place is underneath a woman. They firmly know and believe that a woman is superior and they are only used for a woman’s disposal. They are at peace with this in their sexual lives at least. Surrendering to their need for a deep need to give up all control. Some of these men are men you would never guess would partake in this fetish. They are CEOs and successful business executives. Millionaires and sometimes billionaires can easily fit the profile for a financial slave.

What is the difference between this and prostitution? There is a huge difference. A prostitute provides sexual services for money in exchange. A stripper takes her clothing off in exchange for money. These Mistresses simply demand it and literally laugh all the way to the bank with it. Of course if the slave heard her laughing all the way to the bank it would only be an added bonus. The humiliation involved in this dynamic between a Money Mistress and slave is tantalizing for the giver of funds. He fantasizes being under a woman’s foot, laughed at, spat on, verbally abused and even blackmailed with private information for more money.

A Guide On Managing Hotels Kpi

KPI management is as important as implementation process of Balanced Scorecard. Sure thing, the choice of the right key performance indicators and development of the right strategy is vital for BSC success. At the same time maintenance of Balanced Scorecard and management of key performance indicators is a critical success factor for efficient use of Balanced Scorecard. By the way, improper management of key performance indicators is one of the most common mistakes in implementation and maintenance of Balanced Scorecard. Just having a set of key performance indicators is not enough. It is necessary to adequately measure them, exchange obtained information between different managerial levels, as well as use evaluation results in decision making and strategy revision. This also concerns hotel Balanced Scorecard. Hotel industry is known as being extremely competitive. Indeed, there is no lack of options when looking for the hotel to spend the night there or the entire vacations. Hotels are eager to use
Balanced Scorecard since this system can certainly help transform strategic plans into real actions. This is only possible if all rules and norms of Balanced Scorecard maintenance and KPIs management are observed.

As known, Balanced Scorecard consists of four categories: financial, customer, internal business processes, learning and growth. What makes Balanced Scorecard unique? Unlike similar performance evaluation systems of Balanced Scorecard evaluates nonfinancial indicators as well. In terms of a hotel industry these indicators refer to customer satisfaction, improvement of hotel personnel professional level, optimization of internal processes, for example laundry, dining services, housekeeping and cleaning, reception services etc.

No less imagine such a situation hotel top managers have developed a strategy and selected a set of key performance indicators that fall into the above mentioned four categories. Now is the time to start using Balanced Scorecard and evaluate the selected KPIs. It needs mentioning that key performance indicators should be measurable and understood. As time passes by the first results are obtained. This is perhaps the most important stage since top managers have to find out whether are not they have made the right choice and assigned the right weights for indicators. For instance, such a key performance indicator as room occupancy may not matter much as visitors tend to stay for more than three days in a hotel and maintenance of vacant rooms requires little expenses. This is just a hypothetical example.

Having obtained the first results, top management needs to analyze them. KPI evaluation results show progress or regress of a hotel on its way to implement strategic goals. Thus, hotel managers and owners locate problematic areas and make decisions as to necessary improvements. For instance, if your kitchen performance prevents hotel from optimize an overall performance, relevant decisions need to be made (e.g. hiring new chef, changing food supplier etc.). Balanced Scorecard will work only in case the information it provides is actually used to initiate changes. Balanced Scorecard will not change the situation by itself but rather offer important and valuable information for top managers and business owners.

Current Hospital Management Issues In The Us

In the health care industry, hospital management has emerged as one of the most important areas within the industry because, as a discipline, it integrates medical, practical, social, and economic factors in ensuring the smooth and effective management of hospitals as the main sources of health care provision and services. According to the American Hospital Association (AHA), there are currently 5,708 registered hospitals throughout the US servicing over 37 million patients in a single year. The logistic requirements of overseeing such a huge sector of the health care industry require expert and professional management.

In addition, the AHA official guide to hospital listing requirements, it states that there must be a chief executive responsible for overseeing hospital operations in accordance with established policy. In this light, it is clear that ensuring the smooth delivery of services to patients entails proper hospital management.

As a discipline, hospital management has faced growing demands for high quality medical care and services, as well as facilities where these shall be undertaken. Hospital management serves as the direct link between healthcare facilities and the practitioners, staff, and companies providing the services and products needed to ensure smooth operation. As a highly demanding field, hospital management has faced several issues in the past. The ongoing search for solutions to improve the delivery of superior services to patients is a challenging and difficult task, especially when one considers the major issues involved.

Financial constraints
With the economic downturn currently being felt across US industries, hospital management is also reeling from its effects. In fact, according to American College of Healthcare Executives (ACHE) annual survey regarding issues faced by managers, financial problem is the top issue in hospital management today. Problems such as increased operational costs, the demand for more affordable services, and the like have seriously effected hospital management in unprecedented ways.

Ensuring patient safety and service quality
Despite the financial considerations, a hospital manager must still ensure that the institution is capable of providing superior services to its patients. This aspect requires continuously identifying, conceptualizing, and implementing systems designed to ensure patient safety and service quality. For example, given the drastic limitations in budget, the dilemma is to provide the same level of service quality and patient safety and security at a lesser cost to the hospital.

Employee Satisfaction
Apart from the above, third on the list is maintaining employee satisfaction. Given that hospital personnel are on the frontline of service provision, a hospital manager must keep the employees satisfied and motivate them to produce good work. This area requires a review of stress-inducing factors that heighten employee dissatisfaction. Steps must also be taken to address the issue of lack of control over ones duties and work schedules as well as the lack of access to the decision making process involving hospital personnel.

An effective hospital management system is one that expertly integrates various factorseconomic, financial, social, and professional considerationsto maintain the quality of service and ensure the overall safety and security of its patients. In order to improve an existing management system, these important factors must be considered and ultimately, be addressed.

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