Credit unions are member-based financial institutions that offer their services only to the people who share the common bond – the feature, quality or affiliation that stands at the base of the credit union, such as employment with a particular company, a particular profession, registered address in a particular geographical area or membership in an organization or association. An account held with a credit union offers many benefits over banks, payday lenders and other financial organizations – here are some.
Friendliness and Attention
The relationship between account holders and branch employees might seem cold and impersonal with banks, one of the benefits of credit unions being a much more personal relationship between union members and the union’s employees, such as branch managers. Credit unions in Littleton provide customized consultation and educational programs about the management of personal finances – a great opportunity for people who have a poor credit history or difficulties repaying loans.
Credit unions in Littleton focus on community enrichment, offering financial education for free and other types of help to the members of their local community.
Working for the Benefit of the Members
Credit unions are not-for-profit organizations owned by their members and run by their members, which means that these organizations work with the best financial interest of their members in mind. Any profit that a credit union makes is redistributed to its members in the form of annual dividends, which means a credit union membership actually gives the member a yearly income.
Credit union members being the owners of the union as well, they get to vote on important matters that affect the union’s operations. Credit unions also organize yearly meetings in which the union’s results are presented to the members and important issues are discussed.
Lower Fees and More Attractive Rates
While profit-oriented organizations, such as banks, are interested in charging fees and interest rates that are as high as can be in order to maximize their profit, the vision of credit unions does not include profit-making, therefore they can afford to charge lower credit card fees, lower fees on transactions and they can also offer more attractive interest rates, lower on loans and higher on deposits, than banks. The minimum deposits are also lower with credit unions.
A Wide Range of Services
Credit unions usually offer the same types of services as banks, credit lines, checking accounts, savings accounts, deposits and a wide variety of loans being equally available. Like banks, most credit unions also provide internet banking through various apps and have ATM networks and branch offices as well.
Security for Deposits
Federal credit unions and some state unions are insured through the National Credit Union Share Insurance Fund, offering the highest level of security for personal deposits up to $250,000. However, you must know that not all credit unions provide such insurance coverage – some unions are privately insured, which also means that they are not backed up by government, so before choosing a credit union, find out about the union’s insurance and security status.
Population growth in Colorado is a well-known reality. The state draws so many people due to the high standards of living, jobs and career opportunities it has to offer. It is a good place to live, there is no doubt about it, but life can be quite expensive here.
Some of the first things you are interested in when moving here are the housing options. Real estate market in Colorado is expensive and homes are not expected to significantly drop in price anytime soon. There are several reasons contributing to this current reality:
- Historically low interest rates that turn more people from renting to buying their homes or make people able to afford bigger homes, even if these are more expensive options
- The imbalance between housing demands and supply, which often creates bidding wars
- The Coronavirus pandemic, which forced so many people to work from their homes; many of these individuals are now looking for bigger places to live that meet their new needs
However, even if the living standards in Colorado are high, there are also people who cannot afford a more expensive home, on the contrary; some of them may actually have to downsize.
In the current real estate market, it is difficult to find affordable housing options, but definitely not impossible. The easiest thing you can do is ask around; maybe someone you know is selling, or knows another home seller. If you are lucky enough to find a home this way, you will avoid going through a bidding war, as well as many other inconveniences related to the process of buying a house.
But, in most of the cases, things are not as easy as this. Sometimes, people are looking for months until they find something – and when they find it, someone else purchase it because they are willing to pay more.
The next thing you should do is to search for the most affordable places to live in Colorado. The average home value in Denver is currently about $450,000, so you should avoid the Mile High City. Almost as expensive are Arvada (median home price: about $440,000; median monthly rent: $2,200), Lakewood (median home price: about $436,000; median monthly rent: $1,700) and Longmont (median home price: about $409,000; median monthly rent: $1,950).
On the other hand, the cheapest place to live in Colorado is Pueblo, where the median home price barely reaches $190,000, and the median monthly rent is about $1,000. Pueblo is followed by Cañon City (median home price: about $244,000; median monthly rent: $700) and Grand Junction (median home price: about $260,000; median monthly rent: $1,300).
If you prefer, you can also go for good old fashioned small towns, where you can peacefully and enjoy inexpensive Rocky Mountain fun: Fort Morgan, Sterling, Craig, Fort Lupton, Lamar, Trinidad etc. Make sure to consider looking at homes for sale in Erie CO.
In order to determine the most affordable place for you to live in Colorado, you must also ask yourself how much money do you make and how much do you need to spend to live there.
Any workplace must be safe for employees. To ensure that companies are taking measures in this respect, the Occupational Safety and Health Administration (OSHA) stipulates that there must be at least one person in charge with monitoring safety in each workplace.
Their role is complex. A safety specialist must:
- Identify risks associated with the specific workplace
- Create a set of safety measures
- Train all staff and display the safety measures prominently at the workplace
- Take necessary actions required by the law in case of accidents
- Update the safety procedures as per the changes in the OSHA.
How Do You Find Experienced Safety Specialists?
Looking at the job requirements above, you realize that you cannot risk hiring an inexperienced person, or someone who lacks proper certification. In theory, you can write a clear and concise job ad, post in online and start the selection process.
In practice, you are not sure what makes a good safety specialist. Some professionals are very good in a specific industry or field of activity, but would not perform well in your organizations. Others are simply not a good fit for the job, even though they managed to obtain the certification.
The Solution: Hire a Safety Staffing Company
The simplest and most effective solution for you is to outsource safety to a specialized temp hiring agency. These agencies have a very precise screening process for their employees. They know the latest changes to the safety and health rules, they have a list of best practices for successful employees and they pick only the best.
As for your company, relying on the experience of a safety staffing agency has multiple benefits:
- You Save Money
There are many hidden costs to hiring an employee. You need to offer them various benefits, such as health insurance or pension plan, if you want to attract top talent.
When you hire a safety staffing agency, you pay a fixed monthly fee and nothing else.
- You Fill In a Vacancy Quickly
You cannot afford to lose time looking for the right candidate for the job. Your company must have a safety specialist at all times. Once you signed the contract with a safety staffing agency, they will send an employee to your workplace on the agreed date.
- You Access Special Skills for Short Term Projects
In some cases, you may need a very skilled safety specialist to investigate an accident or provide feedback on proposed changes to the workplace equipment and processes. Such a specialist would not agree to work for you for a very short time.
But a safety staffing agency can quickly supplement the existing staff at your premises with the specialist you require for this short term activity.
- You Have a Clear Safety Procedure in Place
A safety staffing company will offer you assistance in creating rules and procedures that meet legal requirements. You will not have to wonder whether you are complying with the law or may risk a hefty penalty.
- Find the Best Fit for Your Business
When an employee is not a good fit, you have to follow a set of procedures to let them go. This costs time and money. When the specialist sent by the staffing agency does not perform to your satisfaction, they will be quickly replaced with a new one.
Outsourcing the process of recruiting high-profile employees, such as CEO’s, CFO’s or experienced and highly trained candidates for other key positions, has long been the best recruitment practice in all industries. If you are ready to hire a new director or manager for your organization, here are the services that executive placement companies offer.
Initial Consultation to Identify Requirements and Opportunities
The collaboration between executive recruiters and their clients usually starts with an initial discussion of the client’s needs and requirements regarding the ideal candidate for their position. The clients will tell the recruiter about what they need, about the qualifications and the experience they require and they will also tell the recruiter about what they offer to the successful candidate. During this initial consultation, the recruiter will also outline the differences between recruiting for executive positions and recruiting for other positions, such as the fact that most top level positions are not listed on average job sites and that most top-level job seekers do not spend too long on the job market before they find their new job. The specialist will also review the job description provided by the client and might make recommendations regarding its content, such as ideas about how to finely-tune the text or how to make it more attractive.
Search Services through Multiple Channels
One of the most important services provided by executive recruiters is the identification of candidates that fit the employer’s description. The process will involve searching for candidates among active job seekers as well as among executives who are currently employed, but are open for new opportunities. In the search phase, most executive placement firms use multiple resources, including their own personal network in the industry for which they are recruiting, their own data bases as well as online job boards and employment-oriented networking sites.
Candidate Screening and Background Checks
Recruiters will also approach the candidates that seem suitable for the client and will request updated resumes from them. In the next phase, your recruiter will perform a detailed evaluation of the resumes received and will perform background checks to verify the accuracy of the information included in the resumes. They will check any references and recommendations as well.
Conducting Interviews and Preliminary Testing
The recruiter will also conduct preliminary interviews with suitable candidates, then they will evaluate the candidates based on their own experience as well as based on the client’s requirements and they will recommend candidates for the last round of interviews performed by the client’s important decision makers. Many recruiters use multiple interviewing methods, including meeting, IQ and EQ tests, personality tests and tests that assess important and relevant personality traits, such as problem-solving.
Assistance and Expert Opinions for the Final Decision Making
Most recruitment specialists also participate in the interviews between the client and the candidates and will facilitate the final decision by offering expert opinions and advice. Recruiters also help with the evaluations of the candidates who have been interviewed by highlighting their strengths and weaknesses and by making recommendations.
When your business is for sale, you need to be especially careful that everything looks perfect. In fact, this is the time when extra effort to keep things in the best shape can really be worth it. Think about it: just like a house that is for sale, you want your business to look good. So, it has to work well, you must have the the financial records, a good inventory and well-maintained working area. People want to buy a successful business, not one that has obviously been neglected. You will also want to make sure that you have reduced the company’s debts as much as possible, that you have resolved existing lawsuits and that all tax obligations are up to date.
Before giving a tour to potential buyers, prepare your business to look at its best. Here are some tips on how to sell your business by making a good first impression:
- Do a general cleaning. Look around to see if there are any areas or equipment that need to be cleaned, repaired or replaced. It will be worth the effort, because any buyer will appreciate a clean and fully functional business environment.
- Get rid of obsolete equipment. In this way, the business will appear more active and the sales process will be easier, because it will not include technologically outdated equipment.
- Prepare your workforce. Potential buyers will appreciate the employees who will remain in the fray during the transition process and after the sale.
- Renew commercial leases in advance and make sure they can be easily transferred to a new owner.
- Be present online. In the digital world we live in, the first thing a potential buyer will do is search for your profile and business online. So, make sure that the company’s website is functional and all the links are active. Also, do a brand audit and make sure that no unprofessional or compromising aspect appears on internet searches that have to do with your business.
- Another important step is to choose the sales team. The complexity of the company and the time allocated to the sale will determine whether you need a lawyer, an accountant, or an entire team (evaluator, consultant, broker) in your sales team. Many business brokers can also do an evaluation, so often a specialized evaluator is not necessary.
By following these steps in preparing a business for sale, you are more likely to find a good buyer and maybe even get a higher selling price.
Last but not least, you will need to identify serious buyers in the process of selling your business. You may be pleased with the large number of people who respond to your sale advertisement, but, surprisingly, most people who seem interested never buy. Therefore, it is important to distinguish between those potential buyers who have a real interest in your business and those who only do window shopping.
People respond to business sales ads for a variety of reasons, from curiosity to market research. In addition, many intend to buy a business, but do not have the necessary experience or funds. In these situations, your instinct can play an important role in the final decision.
Are you trying to find a lawyer for solving a particular legal problem? Then you probably noticed that there are several types of lawyers, and that`s because the legal field is extremely large and complex. Some lawyers specialize in a particular branch, while others choose to offer expertise in several areas. Each option has its advantages and disadvantages, but this is why there are so many types of lawyers. Regardless of the legal problem you have, there is a specialized lawyer who can help you solve it.
If you are the victim of an accident, you should opt for a personal injury attorney Denver specialist. Whether it’s an accident at work, a road accident or bodily injury involving cyclists, or an accident caused by clinical negligence (malpraxis), a good personal injury lawyer can help you in many ways.
In the current economic-social context, consulting a lawyer must be a habit and that is why choosing a good lawyer is a very important aspect in successfully solving the legal problems you are dealing with. However, choosing one, especially in the situation where you have faced personal injury is not easy, but not impossible either, especially if you consider certain important aspects.
First and foremost, you need a specialized lawyer. Legally, a lawyer who has a certain specialization can also deal with cases related to other specializations. However, regardless of the reputation of a lawyer, it is not advisable to hire them, if you can find a personal injury specialist.
In general, the system of recommendation between friends and acquaintances works very well, because a close friend will recommend a Denver specialist who provided them satisfactory service, or will advise you to stay away from a lawyer that didn’t live up to the expectations. Ideally, you should get referrals and contact details from different sources, to be able to compare them and do some further research on them, if necessary.
The fact is a good lawyer does not hire you from the courts or around them; it is preferable to spend some time searching the Internet, reading articles written by or about them, reading people`s discussions on forums and blogs, as well as professional opinions on specialized web sites or publications.
As experience and training are not the exclusive prerogative of older age, you should not refuse the collaboration with a young lawyer, to the detriment of an older one. Each age category has its advantages and disadvantages, and it is never wise to be age or gender biased.
Another aspect that you need to be aware of is that good lawyers know their value and how to appreciate their work, therefore their fees will not be cheap. In exchange, they correctly estimate the working time, the extent of the dispute and they try to foresee any obstacles, so that potential necessary changes in schedule would be as small as possible.
If you have information about a lawyer who is involved in dubious business, you must not hire them, no matter how good they are.
What is an insurance broker?
Insurance is not just selling – purchasing policies. Contracting insurance services requires professionalism and also good knowledge. The opinion according to which you can solve the problems related to risk and insurance management without knowing the law specific to the insurance activity and risk management is wrong. It requires qualification, experience and a professional approach.
But how to make a correct choice among the big number of commercial vehicle insurance brokers operating on the market? How to negotiate a good coverage at a minimum price? How to conclude a contract that would guarantee you to obtain compensation from the insurer upon the occurrence of the insured case? All of these, as well as the answer to other questions fall within determining the competence of an insurance broker. A broker has a special role, acting as an intermediary between the seller and the buyer of insurance services.
However, a contemporary broker is no longer a passive intermediary. In the past, the role of a broker was limited to helping the client in calculating the insurance premium and selecting the lowest quote on the market. Insurance brokers now operate with the client’s risks, on their behalf, being a consultant specialized in carrying out the risk management activities.
The contribution of the broker in the formulation and elaboration of the client’s risk management system diminishes the final price of the insurance policy. The broker, being the risk manager of the buyer of insurance services, represents in fact the form of the consumer’s presence on the market. Under current conditions, customers are becoming more demanding in relation to the component and quality of the insurance service. Thus, the broker is now able to organize the protection of the client’s patrimonial interests, by taking into account their particular character and interests.
Contemporary brokers, in their activity, must be able to accomplish the following functions:
- Advisory function, which includes: risk analysis and evaluation, elaboration of an adequate insurance program, management of the insurance process
- Operative function, which includes: placing the program on the insurance market, maintaining the coverage offered to the client, participating in the regularization of the damage on the part of the client, perfecting the documentation (drafting the contract projects, drawing up the final document, ensuring the circulation of documents between parties, the follow-up of the insurance contract etc.);
- Financial function, which involves redistribution of the insurance premium between insurers and reinsurers, collecting and transferring the amount of compensation to its client.
In order to successfully perform its responsibilities, the broker must know the insurance techniques for various categories of risks and the legislation – in other words, be an expert in the field of insurance legislation and practice. Also, they must know the market, which means being present on the market every day and making an opinion about each insurer, its reputation, the quality of the services and insurance products offered, the degree of financial security and its reliability. A broker knows about the market much more than the most educated client.
Mental health system shows signs of being overburdened and, consequently, short-staffed. Statistics show that 25% of Americans have dealt with mental illness this year, and mood disorders represent one of the most common causes of hospitalization among people aged 18-45 years. In this context, there is a shortage of mental health professionals and volunteers often step in to fill the gap, in areas where they can contribute. However, this is not always possible, because some professionals such as mental health counselors, social workers or psychiatric nursing aides cannot be substituted.
The good news is that there is enough space, in the healthcare system, for people who seek to find a mental health job. Here are only some of the jobs available, the minimum education requirements and the annual median salary:
Mental Health Counselor – Master’s degree – about $42,000
Addiction Counselor – Bachelor’s degree – about $40,000
Clinical Psychologist – Doctorate – about $70,500
Neuropsychologist – Doctorate – about $70,500
Mental Health Social Worker – Bachelor’s degree – about $42,000
Psychiatric-Mental Health Nurses – Certificate or Career Diploma – about$67,500
To find a mental health job, you can search on your own. For instance, you can search for clinical social work jobs in Massachusetts and create opportunities for interviews. Another option is to hire a staffing agency.
What is the purpose of a staffing agency?
Professional recruiters aim to recommend you companies that fit the profile you are looking for. The most obvious advantage is that you gain access to a wide variety of jobs, some of them being promoted exclusively via recruitment agencies.
Candidates applying to a staffing agency can also benefit from career counseling – CV evaluation and optimization, tips to prepare for the recruitment process, solutions and suggestions if you want to change your field of activity etc.
The client of the recruitment agency is the employer, so in order to enter the database the candidates are not charged any fees, except sometimes for top management positions.
Why work with a staffing agency?
- The recruitment agency has placed many other candidates in various companies and institutions in the mental health field, so it has a good knowledge of the working environment.
- The recruitment agency carefully selects its clients, so that job candidates and future employees are treated correctly
- You receive from the recruitment agency details that you do not find in company descriptions or in announcements posted on job portals
- The recruiting counselor helps you to properly introduce yourself at a job interview and increase your chances to get the job, by offering you tips and information on the real and concrete expectations of the employer
- The recruiting counselor helps you to position yourself correctly in the market and will recommend you keeping your current job, if the market cannot offer you something better
- The recruiting counselor will be with you during the entire recruitment process and will provide you feedback after each interview.
- The recruiting counselor will tell you if the mental health job you want to apply for is below your potential or, on the contrary, you overestimate yourself, helping you thus to avoid the disappointment of a failure.
- The recruitment agency has the interest to identify the best job where you can grow and perform in the long term, in order to fulfill the contractual conditions
- The recruitment agency keeps in touch with you and the employer, in a perfect balance in terms of confidentiality.
When considering the differences between buying cars for your business and services offering fleet leasing financing, there are many concerns that have to be kept in mind. First of all, you can’t make your decision on a whim, since there is far too much at stake, and the risks involved can be quite high. Secondly, not all businesses are the same. While for some businesses it makes more sense to buy cheap vehicles, you might have to consider the alternative version of leasing, even if you’re more comfortable with the idea of buying.
Circumstances don’t have to lead your decisions, however. Depending on your business and your specific goals, you can make the best decision for your business and even wait to implement it, if your finances or other factors don’t allow you to go through with your plans for the time being.
The Advantages and Drawbacks of Buying
Whether you run a maintenance service or a delivery company, buying the cars or trucks you need for your business can make a lot of financial sense long term. Aside from the fact that you’ll own your vehicles, and won’t have to pay a lot of money for them long term, you also get rid of issues such as covering interest rates and other expenses that would come with fleet leasing.
On the other hand, buying has its own drawbacks. Depending on the size of your business and the extent of your budget, even purchasing one car can be a stretch at first. Also, some businesses don’t start offering real returns until much later, and you might end up being stuck with almost a million dollars deficit, while the stress related to the risk that your business might not recover those funds will remain quite high.
Under the circumstances, buying your vehicle fleet is a risky endeavor. Of course, if you already have additional investments, and you don’t necessarily have to get a lot of money from the bank to finance your new cars, then it makes sense to try it. However, even so, you’ll practically be tied to minimizing your business’ expenses, and you won’t have any control over how your investments will turn out over the long haul.
Fleet Leasing: A Viable Alternative
Fleet leasing comes as an excellent alternative for smaller businesses that don’t necessarily have the ability to come up with the huge amounts of money required for large vehicle investments.
By leasing cars at about $300 to $700 per month, for a reasonable amount of money, you can get your complete fleet of vehicles and have complete control over your gradual, monthly investments. If your business isn’t going too well, you can always cut down on the number of vehicles you lease. Also, if you aren’t yet making enough money during the first couple of quarters after starting your business, you’ll find it easier to compensate for the costs, and you can always pull out partially, without worrying about losing large amounts of money.
The safety and security of fleet leasing has led many business owners to adopt this approach for their services, delivery companies, contractor services and transportation services throughout the country. Moreover, fleet leasing financing is cheaper than ever, so you can rest assured that you’re getting the best value for your investment.
What do timeshare attorneys do and why do people constantly use them? If timeshares weren’t such a trend, then this question might not ever be asked. However, since it is, a lot of people who just go into the business aiming to get rich fast or to focus solely on enjoying their vacations without taking the time to consider the legitimacy and integrity of the resort company they’re dealing with, might end up in a timeshare deal they never really wanted.
Also, you may simply have thought a timeshare is for you, but without gathering the information and awareness that would be conducive to a successful deal. In such cases, the experience and expertise of a dependable timeshare attorney is completely invaluable.
Timeshare Attorneys and Their Roles
So, what do timeshare attorneys do? The role of a timeshare attorney is not unlike that of any other type of lawyer: you hire them, present them with the case, and inform them about your possibilities and goals. They will then devise a strategy that would place you in a favorable outcome, and seek to push it through with the help of their legal expertise.
Unlike regular attorneys, timeshare lawyers specialize in timeshare cases. This means they know the ins and outs of the business, as well as what information to ask from you and what strategies to adopt from the very start. A good timeshare attorney will get straight to work, and he or she won’t ever judge you or make you feel bad for making an impulsive choice on getting your timeshare. Also, they will be remarkably efficient in coming up with the necessary legal documents, examining the contract for loopholes, and doing the same with the law that applies to timeshares, as it is drafted for your particular area – or the region where you purchased your timeshare in the first place.
Perhaps the most important role of a timeshare attorney is to represent you in cases where everything seems hopeless and the resort company is aggressive in trying to obtain their money. In these cases, time is of the essence, and having a resourceful attorney at your side will prove to be an invaluable asset in the weeks and months to follow.
What Are the Benefits of Hiring a Timeshare Attorney?
Specialized timeshare attorneys can be a much better choice than a regular attorney or a timeshare cancellation company that promises to help you out. Here are just a few of the top benefits you can expect from a licensed and experienced timeshare attorney:
- They’ll give you excellent advice about your timeshare deal as soon as you meet them for the first time.
- They will provide you with an overview of your rights and what the resort company can and cannot do.
- Your attorney will also provide you with peace of mind that the issue will be resolved without much input from you.
- A good attorney is also very good at searching for the types of disclosures required by the law for a timeshare contract to function, and at using these disclosures to your advantage.
Ultimately, as long as you find the most efficient lawyer in your area, the answer to the question “what do timeshare attorneys do” is an easy one: they’ll help you out at a time when no one can, and in most cases they’ll do it better than you even thought possible.