WHAT ARE 12-MONTH LOANS?12-month loans are a type of short-term loan that has become increasingly popular in recent times. These are designed so as to last for only a year or 12 months to be precise. They are extremely helpful as they help one to accurately budget for the concerned money that they have borrowed as it is known that it must be fully repaid within a year or 12 months. This is the main difference that makes it stand out from other types of short-term loans offered by various direct lenders.These types of loans allow one to borrow a wide range of different sums of money and these types of loans help break up the borrower’s loan into 12 manageable repayments that must be repaid on a monthly basis. Small loans are a good way of allowing one to budget for anything unexpected.DESCRIPTION OF 12-MONTH LOANSThe approximate calculated interest for borrowing 100 pounds under such a scheme comes around 13 pounds per month. There are many people who may suffer from bad credit history and there are many lenders available who are willing to provide loans to people who have a bad credit rating and who may have been denied loans elsewhere. Most lenders have eligibility checkers that help check the individual’s likelihood of being fully approved for a 12-month loan for bad credit before applying.One can improve his or her credit score by being accepted for a 12-month loan and keeping up to date with the necessary repayments for the concerned loan. This makes it easier for the individual to be accepted for any sort of credit in the near future. Missing out on payments has the opposite effect and can damage the borrower’s credit profile making it difficult for him or her to be accepted in the future for bad credit loans.There are many UK lenders offering 12-month loans with no guarantor as not everyone may have access to that facility. These 12-month loans have become extremely popular in recent years as direct lenders have started offering these types of loans which do not require a guarantor.GETTING APPROVED FOR A 12 MONTH LOANOne is eligible for such loans only if he or she is above 18 years of age and is a citizen of the UK. Having a good income source is advantageous but not necessary. One also needs to have a good credit score to increase approval chances for the borrower. Lenders always prefer people with a good credit score as they can be trustworthy and reliable and are more likely to repay back the loan amount in the stipulated 12 months or 1 year.If the borrower’s credit score is not enough for gaining approval for a 12-month loan, then the borrower can obtain loans by getting into a joint agreement which can be done by convincing a friend or family member to become your guarantor for the 12-month loan. In this case, if the borrower fails to make a repayment to the lender then the guarantor can pay in place of the borrower.Asset pawning is also a good solution for the concerned individual or borrower. In case he or she is unable to find a guarantor then he or she can pawn any asset which may be a land, property or even a vehicle. This asset should have a value equivalent to the value of the loan.BENEFITS OF 12 MONTH LOANMany lenders often provide people with 12-month loans even though they do not have a guarantor to furnish. This type of loan also helps those who are in need of emergency money. These loans are hassle-free and usually, do not carry any extra hidden charges and are also comparatively easier to repay when compared to personal loans or payday loans which have higher interest rates.Most lenders nowadays have an easy loan process that allows them to assess the financial situation of the borrower within a short period of time and since most of the systems are now online, this has reduced a lot of paperwork involved. These lenders offer personalized loans to the borrower depending on their financial situation and state of living.These lenders offering 12-month loans also provide competitive rates of interest to the borrower for people with a poor credit score and this helps a person from any strata of society with any economic background opt for a loan without being financially distressed due to the various competitive rates of interest offered to the borrower by the lender.One can opt for a 12-month loan in case of any financial emergency or an unexpected expense that may be necessary to be cleared immediately. They provide quick loan approval processes and also credit the concerned loan amount directly into the borrower’s bank account making the loan obtaining process smooth and hassle-free. The borrower can easily repay the loan to the lender in simple instalments every month for the 12 months time period of the loan.Even if the borrower has a poor history of credit and is in need of emergency money at the earliest, many lenders exist offering a wide variety of instalment loans for all types of credit score borrowers.CHOOSING A 12 MONTH LOANOne of the top reasons for more and more people opting for 12-month loans is the fact that it offers competitive APR, hassle-free and reliable loans with options for bad credit too, the lack of the need for a guarantor, availability of small and big loans as required, repayment of loans in easy instalments, ensuring that people from all economic backgrounds have a fair chance at securing a loan and many other reasons.Carefully compare and choose the best suited 12-month loan option for your needs.

Discovering time to refresh or make your online business postings can some of the time be a test. In any case, once you assert your posting, you can control which data and pictures have appeared on these destinations about your business, which is absolutely justified regardless of the exertion.As a rule, you may as of now have a posting, so it’s simply a question of guaranteeing the page for your business. What’s the distinction amongst refreshing and asserting? Refreshing means you’ve made a record and simply need to add new data to the page. Guaranteeing implies that a page for your business exists, however you might not have made or set it up. For this situation, you’ll have to demonstrate it’s your business before you can change any data.There are a few locales your business could be recorded on, so how would you pick the best? Simple! Begin with these seven:The 7 business posting locales you should claim and refresh at the present timeGoogle My BusinessGoogle My Business, in its own particular words, “interfaces you specifically with clients, regardless of whether they’re searching for you on Search, Maps or Google+.”The most effective method to guarantee or alter your business posting: Click the “Get on Google” anyplace on the page, sign in to your Google account, and take after the means to add your business data to Google.Yelp for BusinessAs indicated by Yelp, “A great many individuals visit Yelp each month to discover awesome nearby businesses. Enable them to discover your business – free!”The most effective method to guarantee or alter your business posting: Click here to scan for your business. A chance that it exists, you’ll see two alternatives: a Claim catch or an already claimed to connect. Tap the choice you see and either sign in or set up a record to alter it.Business directoryAs indicated by Yellow Pages, they “won’t just get you on the web, yet can likewise enable you to get discovered, drive leads and extend your scope.”Instructions to assert or alter your business posting: Click here to experience the means for refreshing your business points of interest.Yahoo LocalAs per Yahoo, they are “a far reaching business index finish with appraisals and audits, maps, occasions and that’s only the tip of the iceberg.”Instructions to assert or alter your business posting: Scroll down this page to “Attempt Local Basic Listing for nothing” and snap “Join.” Then, refresh your business contact data including address, telephone number and URL. You don’t have to pay for this administration.Bing Places for BusinessAs indicated by Bing,”Places for Business is a Bing entry that empowers business proprietors to include a posting for their business on Bing.”Step by step instructions to guarantee or alter your business posting: Chances are, Bing as of now has postings for your Trade. Snap here to guarantee them.Foursquare for BusinessAs indicated by Foursquare, “More than 50 million individuals utilize Foursquare to find incredible businesses and offer what they adore about them with others. Join the about 2 million businesses who are as of now exploiting Foursquare to join the discussion and develop their business.”Facebook for BusinessAs indicated by Facebook, it “can enable you to contact every one of the general population who matter most to your Trade.”The most effective method to guarantee or alter your business posting: If you have to assert your Business Page, click here; require agreeing to accept a business page, click here.Instructions to guarantee or alter your business posting: Start via hunting down your business, at that point select your posting. A chance that you don’t see your business, tap the connection at the base of the page to include it. Snap here to deal with your posting.Bear in mind to incorporate this data on each posting:Be set up to round out the accompanying data, and keep it predictable on each site. Consistency helps your SEO (site design improvement) endeavours.
Business name
Address (city, state, zip)
Fundamental telephone number
Site
Business hours
A depiction of your business, least 250 characters.
Trade classifications
Logo and pictures
Keep a report of each posting so you can copy it precisely. Frequently keep an eye on your postings and refresh your data, in any event once like clockwork. Remember to keep pictures of your business presence and convincing to attract prospects and clients.Reward Tip! In case you’re a physical business, urge individuals to “check in” and compose a survey by showing a sign in your business window that expresses the locales in which you’re recorded. A few businesses additionally offer clients who check in a unique blessing or advancement for doing as such, yet it’s a bit much. Never offer blessings or pay for composing a survey.

Utilize the Discovery Analysis to Ease Your Fear of Using a ConsultantConsultants can provide real value on many occasions but they can also be your worst nightmare. Some clichés include;”A consultant will ask you for the time and then steal your watch.”"Two things you don’t want to watch —– Sausage being made & a group of consultants trying to solve a problem.”Worst NightmareThe Hanging-on Strategy —- Consultants can become your worst nightmare in many ways. Some consultants have perfected hanging-on and use it as a proactive growth strategy. When a project starts nearing its end, new problems seem to mysteriously get identified. It may start as a training issue; the training issue grows into a management issue, a technology issue, a channel issue. Each issue can turn into another consultant project or an extension of the original project. Before you know it your costs for the consultant’s advice and assistance becomes a major factor on the expense side of your profit and loss statement.Unclear expectations——- Some consultants are so skilled at presentations and proposal writing that deliverables become very intangible and they are not measurable. If they are not measurable, accountability goes out the window. This alone can turn your consulting experience into a nightmare. The scope of the project may have a continuous creep that costs you more and more money. Deliverables should be clearly defined and documented. However, even if you have done your homework and feel you have clear expectations things can go wrong.Employee involvement ——-Your risk of failure is exponentially higher if you have not involved your key employees in the decision making process of hiring a consultant. It is essential that you have employee buy in when you decide you need a consultant.Accountability ———-Consultants like to say they can lead a horse to water but they can’t make them drink. In other words, consultants can’t execute the plan for the company. As a result, it is very difficult to hold consultants accountable for the results. Often times the consultants make a fantastic presentation and sell their firm based on expertise they don’t really possess. They are skilled at quick research and can be convincing in demonstrating their breadth of knowledge about your business based on this quick research. On many occasions the impressive partners of the firm may seal the deal and then send in a bunch of MBA kids to do the work. It’s a fantastic learning process for the MBA’s that you end up paying for.Who is in control —— Hiring the wrong consultant can be dangerous, it can cost you sales, profits and even employees if you are not careful. Don’t turn your business over to a consultant. Don’t make the mistake of thinking they know your business better than you. There isn’t any consultant out there that knows your business better than you and your employees know your business. If you do hire a consultant, stay involved and manage the process.A variety of flavors —- Consultants come in a variety of flavors. They consist of former sales people, former vice presidents, MBA graduates, former CEO’s, former accountants, and even former waiters. There are many professional career based consultants that have developed impeccable reputations. There are also a lot of consultants that are consultants because they are between jobs or retired and bored. Most consultants can be very convincing of their expertise and many can back it up with performance. But, there are those that sound impressive simply because they are exceptional speakers and presenters. Some quote problems similar to what you may be experiencing from work with prior clients. That in itself does not guarantee that they can help solve your problems. Some can, some can’t. Some may do an excellent job for you but some may not.Walk the Walk —- The problem with some consultants is the fact that they haven’t really walked the walk. They haven’t walked in your shoes. Most have some business experience but many have never owned their own business. Many lack the entrepreneurial experience of starting a business from scratch and growing a substantial revenue stream. Some have never owned or sold their own business prior to becoming consultants. Many lack the experience of running a family owned business, meeting payroll or managing cash flow. Some are well educated, some are not.The Value of an Experienced ConsultantThe right consultant can provide tremendous value to your firm. Just having an unbiased, outside pair of eyes look at your firm can reveal things that you as president and your executive staff can’t see. This is not uncommon because you’re caught up in the day to day operation of your business. Additionally, a consultant does not have the emotional, compassionate attachment to people and processes that you and your management team have developed. As a result, the consultant can help you identify and resolve issues that have gone unnoticed or ignored.Consultants provide value not because they can do things you don’t know how to do but they often provide value because you and your team may not have the bandwidth to devote the time necessary to address many issues your company may face. This is especially true if those issues involve market or channel research. Research projects and technology projects are often the types of engagements that fall into this category. Training and employee development support are two other area’s where consultants provide exceptional value. The consulting industry is a huge and growing industry that is fast approaching the $100 Billion Dollar mark. A market of this size attracts many players. There are many professional, competent and trust worthy consultants out there but there are also some that may not be able to live up to your expectations. Sales & Marketing Management Magazine Surveys have indicated that over 75% of business executives responded that consultants are necessary for business success. These same survey results concluded that over 50% of the firms utilizing consultants were dissatisfied or only somewhat satisfied. Companies with less than $10 million in revenue reported a much higher confidence level in consultants than companies with over $10 million in revenueSo What Do You Do if You Think You Need a Consultant?Start by utilizing the creativity and initiative of your own staff to identify the extent of your internal issues. The perfect vehicle to do this is called a “Discovery Analysis”. The discovery analysis utilizes a questionnaire that stimulates a thought-provoking process designed to identify issues and challenges that impact company profitability. The following sales discovery analysis is an example of this process. It will identify issues and challenges within the sales functions of the company. Being sales specific means that you must involve key sales personnel in the process. The independent answers to the questions posed should direct you to very focus-specific areas within your organization that need attention. The Owner/President, Vice President of Sales, Sales Managers and both inside and outside sales representatives should complete this discovery analysis.A discovery team meeting should be held to review the results of this process. Each team member should prepare an independent S.W.O.T. (Strengths, Weaknesses, Opportunities and Threats) analysis based on their responses after completing this questionnaire. Only the three most critical areas in each category should be recorded:Strengths: The three biggest strengths the company has that create competitive advantage.Weaknesses: The three most critical weaknesses that must be addressed to maintain or create new competitive advantages or at a minimum put you on a level playing field with the competition.Opportunities: The three biggest opportunities for your company to create competitive advantage, improve market share, increase revenues or create cost reduction through process improvement.Threats: The three biggest threats created by either the internal or external environment. This may include government regulations, internal politics, competition activity or other external influences.All responses should be collated from each group. Common areas of concern should be highlighted. A minimum of a one-day retreat attended by all management and key personnel is encouraged to ensure that proper attention and discussion is given to every area of concern that is identified through this discovery analysis. The following ten questions are examples of the 75 questions on the sales discovery analysis questionnaire.Sample Sales Questions:1. Do you record and monitor customer complaints?2. Do you maintain a customer complaint database to track patterns and identify recurring problems?3. Do you use this information to improve performance and increase customer satisfaction?4. Do you solicit customer feedback?5. Do you provide customers with a single point of contact?6. Do you track customer satisfaction with internal operating statistic fill rates?7. Can you identify waste in operating costs, such as the high cost of errors?8. Do you receive phone system statistics to analyze calling behavior?9. How do you measure customer satisfaction? Do you have a formal system? Such as a report card?10. Does your sales force involve suppliers in the selling process?You may find that by using this process you have identified the issues clearly enough that you can address them without the help of a consultant or you may just need to hire a “Team Coach” to help you and your team find solutions and act on them. (See team coaching http://www.ceostrategist.com) At the very least you will have identified the problems clearly enough to set specific deliverables, deliverables that are measurable, for discussion with potential consultants. If you decide to go forward, seeking the assistance of a consultant, interview several. Check references and ask for a reference from the consultant from a client where the project failed to meet expectations. Don’t accept the answer that none of their projects ever failed. Every consultant has had projects that did not meet expectations. Find out why from their clients.Armed with your information from the discovery analysis process, you are now in a better position to define the results expected from the consultants. Ask for a proposal that has clearly defined deliverables. Don’t be afraid to put a portion of their fee at risk based on results. Make sure that you and the consultants agree on a specific timeline. (Important — Ask for a fixed price proposal)There are some highly qualified, highly effective consultants specializing in wholesale distribution. The more you are able to define your expectations, the better your chances of being pleased with the results. Do your homework.