Monthly Archive: November 2017

How To Get The Best Employment Exemption Guidance?

A employer and employee relationship as sacred as any other relationship. Both must respect each other as both their successes depend on each other. However, in order to prevent the employers from taking advantage of the employee, there are laws in practice.

Employment Exemption

Employees are protected by FLSA (Fair Labor Standards Act). This ensures the employees get what is rightfully die to them, for all the extra time and effort they put into their work. It also specifies the minimum age for employment and minimum wages. This ensures no child labor is encouraged and a basic pay scale is met when a person is employed.

However, if the employee in question is a white collar worker, meaning an executive, administrative professional, computer employee or a professional like a doctor or a lawyer, they are exempted from this Law.

Get The Best Guidance

If you are concerned about your overtime pay and are not sure if you make the cut or are exempted, you need to consult an employment guidance lawyer. He can let you know about the various Laws in practice and help you understand your rights. Though all details of these Laws are available online or at the designated government offices, it may be difficult for a lay man to man proper sense out of it.

When you are a sales executive, it is easy to get carried away with the work hours and targets. This profession is one place where employees are worked overtime. When you are part of the company and are inside sales executive, you will be eligible for the overtime pay and other benefits that are in place for employees.

However, if you are an outside sales person, you may not qualify for these benefits. Are you an individual sales person who need not report to office on a daily basis or clock in a specified number of hours a week? This is what qualifies as an outside salesperson. You will also have different work places as you do not have a specific desk assigned to you and you need to ensure you meet your targets as you won’t have a manager to report to, on a daily basis.

Understand your role properly and seek proper professional guidance to ensure you are not exploited.

How I was Able To Afford A Gucci Handbag

I’m not a shopaholic whose story got incorporated in a magazine as a column on finances. I’m a regular working woman who takes home $25,000 a year. It’s not the best pay, but, it pays my rents and my bills and I’m somehow able to manage a credit card.

Managing my finances wasn’t always easy. It has been a tough journey. When I began working, busing tables at a local restaurant, minimum wage was the goal. Underpaid, and living with my parents, all of my earnings went into indulging my love for handbags. Early on, it was the nice looking but unlabeled bag. But as time went on, I wanted better things, so, I ended up overspending. Things got to a point where my accounts were overdrawn, my debt had piled up and I needed a bailout.

Managing Money

It was around this time that my parents had an intervention and told me off. They insisted on using the money they put aside for me to help me clear my debt. It was a huge wake-up call. I realized that rather than enjoying a small inheritance, my carelessness had taken away a nest egg I could have used for something important.

After I got out of debt, I became more proactive in searching for a job. Once I got what I was looking for, I moved out of my parents’ home, leased an apartment with 2 other friends. Things have been good, except for one thing – I still love handbags!

My option was to get back in debt just to buy that delicious new Gucci purse, but, that would mean another round of repayments and whatnot. So, I found this awesome resource online which gets me Gucci purses for a steal, you can also buy Gucci purses for your girlfriend from here.

Now, I indulge myself whenever I am able to and I don’t break the bank or my credit score!

Can You Get A Personal Loan With Poor Credit?

A good credit is what makes up for a good and flexible loan, be it of any type. But do all of us have a good credit score? Are we all keeping up with our financial commitments on time? No, most of us do not come under this category and we have more numbers who default and become a high-risk customer for the banks or financial institutions that promise to give us a personal loan for our poor credit score. There are many illegal and unlicensed financial institutions like the chit funds, who might allure and satisfy you by saying that there are possibilities for an easy and not-much –complicated loan process with a poor credit too but do not fall for their words for this is not how it would be. For anybody with a poor credit score, it is difficult to procure a loan with any type of financial institution. That being said, we also need to understand that we do not completely become unfit for a loan but the process and the formalities would be a little tougher for us when compared to the others with a good score.

Borrowers with a poor credit score are offered loans in the name of payday loans wherein the interest rates are higher than the regular loans and it is granted only when the lender is satisfied that he would get back his loan amount from the borrower at any cost and this is proven by the statements and documents submitted by the borrower for scrutiny. So getting a loan with a poor, bad or completely no credit is possible if you go to the lenders through the peerform market. The best peerform review would take you to the right lender with reasonably good rates for this is a special market for borrowers with a bad credit.

How to Save Money While Owning a Cat

Do you own a cat? You might be wondering how you can save money with your cat. There are various steps you can take and here are some of the most effective ways:

  • Pick a high-quality cat litter

This might seem an odd way to save money on cats. However, the high-quality liters last longer and are more effective in controlling odors. So you can get more value from the product and will help to reduce the long-term costs of cat litters. The good news is you can also find brands that provide good quality for lower prices. This is another way you can save money when buying cat litters.

  • Make DIY cat food

You can save a lot of money by making your own cat food. A raw diet is healthier for your cat. It takes a little more work but it’s better than feeding your cat a diet of processed food. You can find many DIY recipes on the Internet. It’s about providing your cat with protein as well as some bone matter. You could add some healthy veggies to the diet like carrots or broccoli. You can find many recipes on the Internet so find out which ones’ work best for your feline.

  • Have an indoor cat

This is a very easy yet effective way to reduce the cost of owning a cat. There are various reasons but some of the main ones are you can prevent fleas/ticks and injury. You can save a small fortune on flea shampoo and other treatments, which can add up quickly. Preventing injury can also help you to save a lot of money because you won’t have to take the cat to the animal doctor.

  • Watch out for deals

You can find various deals to help you save money on your cat. That could involve various products like food or litter. You could also save money on vaccinations and spay/neuter treatments. Make sure to shop around to find the best deals. Also, you could contact your local humane society. This is another way to save money for various treatments.

  • Don’t buy super-cheap food

When you buy cat food it’s good to consider buying a quality brand. The cost will be higher but it will help you to maintain a healthy cat. If you get a cheap food, it’s more likely your cat could get sick over time. It could be from the food itself or due to issues like a vitamin deficiency. That’s probably a situation you’ll want to avoid so it’s best to spend a little more on good quality food.

  • Do basic grooming yourself

Cats are experts at providing their own grooming. However, there’s still some basic grooming they require. Pro grooming can be very pricey so this basic step can help to save you tons of money. Make sure to brush and bathe your cat. Also, trim its nails and brush its teeth from time to time. This will help to keep your cat clean and healthy.