Fundamental principles of business culture

Punctuality is the key point here. In case of delay you have to notify by phone. A delay abouthigher to 20 minutes should delay the meeting. It is convenient to prepare the agenda with the points to be discussed and attach to that. If the meeting lasts more than 2 hours, it will be proposed to have a drink as well as snack. In case the meeting stays at lunch time, more substantial meals will be offered or a meeting will be proposed in a restaurant.

In a business meeting men and women receive the same treatment. The corporate culture in Canada varies from one region to another and most Canadians feel much identified with their province. The most important thing is to make a positive, honest and reliable first impression before trying to sell a product or service. It is common to resort to a PowerPoint presentation or any other technological support.

The first contact

It is preferable to make an appointment for a first meeting. It can be done by phone or by email. If the person is really interested, he will set up a meeting quickly.

Greetings

The key to starting a good relationship is a firm, honest and courteous handshake, looking into the eyes and without the slightest sign of arrogance.

How to introduce yourself

You have to shake hands and present yourself and the company you represent, give thanks for the appointment and make sure that the interlocutor is the correct person in case you do not say your name.

Business relations

You have to show a confident attitude, smile and go straight to the point.

Gifts

The exchanges of gifts occur particularly during holidays. Sometimes small business gifts are offered at the time of closing an agreement or at the end of a business mission or an official visit. Gifts from the country of origin are highly appreciated.

Observation: In Canadian business ideas it is unacceptable, to offer a gift for special treatment. This is considered an act of corruption that could lead to judicial consequences. The Canadian government and some companies have decided to adopt a code of conduct that prohibits accepting gifts in certain circumstances.

Business communication

When there is a real interest the answer is not long in coming, so you have to be prepared to respond to a request. Agreements are often closed with a handshake and a written request, which must be subsequently confirmed by letter, indicating the agreed terms and conditions. A formal contract always enjoys good acceptance.

Thirty-Somethings in 2018 Understand Financial Saving as Essential

Leading financial guidance providing firm owner recite seventy-five percent of Millennials claim they would indeed participate in an in-person economic seminar, as compared to 69% of Gen X and 62% of Baby Boomers, a survey by Guardian discovered. Furthermore, 87% of Millennials say that if they understood extra about financial services and products, they would be extra particular about reaching their financial goals. Almost 100% of Millennials that have a service plan as well as are on track to meet their economic objectives say recognizing a lot more regarding industrial product or services assists their self-confidence.

 

Eighty-three percent of Millennials state that having a financial adviser they trust is essential for their economic confidence. Millennials have an interest in speaking to consultants about financial investments and also growth, but they are similarly as satisfied as Gen Xers and Boomers in safeguarding themselves and their households with insurance. Seventy-six percent of Millennials say it is vital for their consultant to remain on top of the latest possession defense as well as insurance coverage patterns.

 

” We’re seeing a readiness amongst Millennials to enhance their economic acumen and deal with advisers, to expand as well as safeguard their riches,” states Christopher Dyrhaug, head of specific markets at Guardian. “Millennials worth education and also have a preference to discover in a team setup. While modern technology could be a facilitator, there is still an appetite for in-person understanding and also an engagement to reach monetary self-confidence.”

 

Forty-five percent would come such as in-person conferences with their adviser to stay connected. Comparative, just 37% of older generations claim the same. Nevertheless, thirty-five percent of Millennials exclusively use online devices for careful preparation, compared to 37% of Gen Xers and also Boomers.

 

Thirty percent of Millennials that do not have a consultant state they are most likely to count on one following year. Virtually 90% of Millennials state that having a comprehensive economic strategy that defines the best ways to achieve their monetary goals, would certainly boost their self-confidence. Sixty-two percent of Millennials state obtaining financial advice from their employer would undoubtedly enhance their confidence.

 

” Our information shows Millennials do value monetary planning, equally as much, if not greater than a benefit at the workplace as well as other life priorities, like career growth,” claims Dyrhaug. “That gives a revealing explore their mindset as about financial self-confidence as well as how advisors could provide guidance.”

 

Author further information:

https://www.reddit.com/user/gandnthompson/comments/87d0z9/latest_presentation_synergistic_life_services/

 

Guardian’s findings are based on online interviews with 3,061 adults carried out in February.

 

Better face and Better Look Now Available with the Best options

Fine pores and fresh, smooth skin? The ‘Hydra Facial’ Facial should make that possible. We have tested the treatment concept for you.

Who is HydraFacial suitable for?

HydraFacial is suitable for all skin types and also for sensitive skin. My skin is rather sensitive and has the hydrafacial in Miami absolutely well tolerated.

How does HydraFacial work?

The HydraFacial Facial consists of a total of four steps. The treatment can be somewhat unpleasant in places. This is said to me at least before the beginning.Forthe user, the treatment really did not hurt at all and was good enough. In the first step, a lymphatic drainage from the face to the neck area is performed. This should promote the removal of pollutants and facilitate the absorption of the care substances in the subsequent treatment.

  • In the next step, a serum is introduced into the skin, which softens the skin and loosens the horny scales from the skin. At the same time, impurities are already sucked out of the skin during this step. Then a mixture of glycolic acid and salycilic acid is applied, which dissolves tallow deposits and blockages.
  • Then the skin is peeled again with another special attachment. This chemical peel softens the pores and helps to later remove deposits in the pores. The active ingredients in the exfoliation penetrate deeply through the pre-cleaned sebaceous glands and dissolve in the pores residual sebum deposits and dirt. These impurities and deposits are now pulled out of the pore structure by a vacuum.
  • The Hydrafacial treatment not only rejuvenates your skin with cleansing, exfoliation and extraction, but also bathes your newly exposed skin with serums of antioxidants, peptides and hyaluronic acid. Each serum targets specific skin problems including sun damage, blackheads and whiteheads, enlarged pores, acne, brown spots, uneven skin tone, and early aging of fine lines and wrinkles. It gets better. The Hydrafacial Treatment is great for any skin type and is not just a Quick Fix It procedure. Hydrafacial treatment improves the quality of your skin, helping to make it healthier and to showcase your true beauty from within.

How does the Hydrafacail treatment work?

The Hydrafacial treatment is another type of skin-enhancing treatment because of  how  it thoroughly shells, hydrates and rejuvenates immediately to improve the overall appearance of the skin. The vortex, multi-step science behind the hydrafacial treatment is the latest breakthrough in aesthetic technology.

 

That’s why the Hydrafacial treatment is soothing, refreshing, moisturizing and non-irritating as a combination of 3 different popular skin rejuvenation facials and treatment types. Experience the benefits of the best facial treatments such as exfoliation and skin renewal through a microdermabrasion, new younger skin through a chemical peel and extractions and hydration, similar to a deep cleansing facial, but all in a hands-on treatment delivers instant results.

Perfect Deals for the Right Website Deisgn

Tips for web design are here now. Web design in the creation of sites is important. Choose the right fonts. Successful selection of fonts is the key to success. Under the large font is a small font. A thin line is drawn under the thick line. If you want to create a logo only from fonts, combine the letters of the logo with special symbols.

  1. The text always looks only on a colored background

Leave the white space in the document. They help to rest the reader from the abundance of graphics and textual information. If you are advertising something, then use the repetition in the text. A sans-serif font is used only in headings.

  1. The font with serifs is used when creating the main text

To create the illusion of dimensionless traits, take out your drawings for a little bit beyond the edge of the strip. Service announcements are always black and white. Do not use a running line in them. Bold font and photo are elements of the same design. With good at website design the options are perfect.

  1. Align text and graphic objects in only one way, for example, in the center.

Observe the symmetry of the design of graphics and text. Change the design without touching the basic style of your document. The text above the headings is always issued in a condensed font. You must design your document in such a way so that the reader gets the impression that a huge work was done on the document.

Use the principle of contrast: on the background of the text typed in a light font, there are bold headings. Headings are made in one font, and the main text is different. To make the text well read, use wide fonts. If you frequently change the information, then use fonts in the design that are easy to read.

  1. Use the substrates.

The design of the header, text above the title and the author’s line is always one and harmonious. The author’s line is typed in small capital letters. The font of the author’s line is identical to the font of the title. Fonts should be combined with all other fonts of your document. In one document, use no more than two fonts.

  1. Insert a special symbol at the end of the document

Quote – embedded text. The font of the quote is identical to the font of the author’s line. To have a headline noticeable, shade it or make it a color one. The font of the main text should be in harmony with the font with which the title is framed.

  1. Firmly link the semantic graphics to the corresponding main text

Combine different design elements. The design of the first page of your document should be different from the design of all other pages. Font is an art object, not a set of symbols. All these letters were drawn by the artist. Before starting the creation of your document, carry out a pre-project study, that is, find out for whom the published information will be intended: professionals, artists, technicians, etc.

Fine Opportunities to get Out of Drug Isssues

In the dispensary there are several possible treatment options for drug addiction: Out-patient treatment is a treatment that is prescribed by a psychiatrist narcologist on an outpatient admission, while the patient himself buys the drugs prescribed to him and takes them himself at home.

Inpatient treatment is carried out at the inpatient drug treatment units of our dispensary, where the withdrawal status is reduced, including detoxification therapy, rehabilitation measures aimed at treating mental dependence, restoring social adaptation, and long-term drug therapy. Various types of psychological assistance are used: primary questioning, diagnosis, individual psychotherapy, group sessions, counseling of relatives of patients. Anonymous treatment is conducted on a fee basis. The drug detox orange county offers the best support there.

  • In parallel with the treatment, the examination of patients is carried out: laboratory tests – tests for markers of viral hepatitis, ECG, EEG, fluorography of chest organs, consultations of narrow specialists (neurologist, therapist, psychotherapist).
  • Physiotherapy is actively used: TPP-therapy, electrophoresis, treatment with currents of various frequencies, magnetotherapy, magnetolaser therapy, etc.
  • At the request of the patient, for further treatment, he can be transferred to the rehabilitation department, where experienced specialists will help him to adapt to a new life without addictions.

Drug addiction is a verdict? No, if, of course, a person does not abandon himself if he hopes to be cured of his illness, but caring relatives sincerely want to help him. By the way, the same applies to drunkenness and any other addictions. Drug treatment is carried out by a specialist in this field – a narcologist physician. And the subsequent rehabilitation work is carried out by psychologists. At us in the rehabilitation center “VITA” the qualified experts who are always ready to help to cope with the undesirable dependence causing a lot of problems work.

Treatment of drug addiction

In addiction people come in different ways. Sometimes, a young man or girl succumbed to fashion, trying to prick once, and then – went on pumped. It also happens. And no one is immune from this. Sometimes a person acquires an addiction after a series of troubles with him to calm down or forget. And in fact it gets dependence on certain substances, and to calm down with their help becomes a kind of rule for it. Initially, this dependence is still only psychological, and then it can only get worse.

Over time, tolerance to the drug used increases, and eventually to achieve the desired effect requires an increasing dose of alcohol or drug. But if the drug treatment is started in time, then the transition from psychological to physical dependence will not take place. In addition, the person will not be destroyed (and this sooner or later still occurs in alcohol and drug addicts). It is best to begin treatment in the early stages of the disease. But, in principle, it’s not too late to start it ever! If you let everything go by itself, eventually the disease will completely destroy the person, the inner core of the person and he will not need anything more than the impact of this or that agent (and most often of his cheap surrogates).

Famous Forex Traders

There have been many great traders and strategists in the history of forex trading, who have compelled the world to sit down and watch in awe, as they became billionaires and changed the course of the markets. When we talk about these traders, there is one name that will always take the top position. That man is George Soros, also called “the man who broke the Bank of England.

George Soros achieved iconic status in September 1992, when he earned $10 billion on a single bet against the British Pound Sterling. He reportedly profited more than £1 billion from his short position in the pound sterling, ahead of Black Wednesday, September 16, 1992.

Early Life

As a teenager, George Soros fled his native country of Hungary to arrive in the UK, where he attended the London School of Economics. He went on to work in an investment bank in London, and later went to the US in 1956. There, he worked in companies like FM Mayer, Wertheim & Co and many others. In 1973, he founded his own hedge fund, Soros Fund Management, which eventually became the Quantum Fund.

By the 1980s, George Soros was one of the richest people on the planet. This was when he started concentrating on philanthropic activities. As a person, he is a strong advocate of human rights, education and political freedom. He has spoken and written extensively on these matters.

Creating History – The 1992 Pound Short

Britain was a part of the European Exchange Rate Mechanism (ERM), which required the government to intervene if the British pound weakened beyond a certain level against the Deutsche Mark. Soros knew that the UK was in an unfavourable position under the ERM and that the inflation rate also was very high.

For months leading up to September 1992, Soros had been building a short position in the pound sterling. By September 16, 1992, his fund had sold short more than $10 billion worth of pounds. The UK government’s reluctance to increase its interest rate or to float its currency worked in Soros’ favour. On the morning of Black Wednesday, when the Bank of England began buying billions of pounds from the market, they found the price had moved. Taking the cue from Soros, speculators had also started selling in the market.

The UK announced its exit from the ERM and started the free-floating of the pound sterling. The currency plunged 15% against the Deutsche Mark, and 25% against the US dollar, but Quantum Fund made over $1 billion. Thus, Soros became “the man who broke the BOE.”

The Soros Technique

His investment strategy was always a combination of free markets, human rights and scientific enquiry. Highlights of his strategy are:

  • The Scientific Method:George Soros creates a strategy based on current market data. He tests his theory on smaller investments first and then on larger ones, when the smaller ones succeed.
  • Reflexivity Theory:This method values assets based on market feedback, to understand how the rest of the market is valuing the assets. Soros uses this method to predict opportunities and market bubbles.

Soros has an ability to combine global and economic trends with detailed leveraged forex forex strategies in both currencies and bonds. He has always trusted his gut and has been on a constant lookout for ways to stand out amongst the crowd.

Taragh Bracken Says Lawyers Can Kiss Their Social Life Goodbye

If your long-standing dream is to become a lawyer, then you better say goodbye to your social life. If you think that the attorney life is all glitter and gold, then you’ve better do your research and get the facts right because the big pay cheque and glitzy socialite standing are not the proper reasons to become a lawyer. After spending three to four rigorous years in law school, and another year studying for the bar exam, the long nights withstanding the midnight oil don’t end upon receiving your graduation stamp.

 

A High-Strung, Intense Career Path

Out of the top five most intensive career paths that forbid most professionals from having a life outside of work, lawyer tops at number three just below a surgeon and registered nurse. In number four rests CEO and number five, securities, commodities and financial services sales agent.

 

Billing Is Always On Your Mind

While all the alternative prospects in the list bring their own box of stressors, becoming a lawyer may be one of the most disastrous on your social life due to the pay structure. Even when you leave the firm’s office for the day, you may still try to open up the books and file through papers in order to score your next best argument. You are perpetually thinking about billing hours, and of the competition between other attorneys in your standing. It’s about garnering the next promotion, and making the next big win in the court room that will stun your firm’s partners into elation and pride.

 

Salary Expectation Are Considerable

When interviewed about this subject, Taragh Bracken, one of the United States’ most enviable attorney in civil suits, stated that the median salary expectation for a lawyer of two to three years is $114,500. She brought up an interesting claim, stating that lawyer shows such as Suits may be over-dramaticized and not necessarily accurate when portraying a lawyer, however the portrayal of them being workahalics would be the most accurate part of these shows.

 

It’s By The Hour

Taragh Bracken also brought up the point that unlike other jobs, the salary is also based on hourly work. For a salesperson or accountant, if they get the job done in a shorter period of time since they used better methods, then they are praised for it. But working smarter for less hours in a lawyer’s point-of-view won’t get them that glimmering end of month pay cheque.

Fine and Easy factoring of receivables for Your Use

Factoring companies allow you to improve your cash flow by selling your receivables.Factoring is an increasingly used financial solution.

In the grip of cash worries, are you tired of having your banker refuse your overdraft or bill discount requests ? Factoring may be the solution to your problems.By signing a contract with a specialized credit institution, called “factor”, you definitively assign your receivables. Quick to set up (payment is made 48 hours after the assignment of invoices), much more flexible than banking solutions, factoring is on the rise. In here, total transactions increased from 128.3 billion dollars in 2009 to 153.3 billion in 2010, an increase of 19.4% year-on-year. For the factoring of receivables this is a very important now.

Three services offered

Factoring companies offer three services that you can combine according to your needs. First, “by buying back their trade receivables, the factors allow companies with little cash to create liquidity,” says Thierry Duval, president of Duval Consulting, a firm specializing in the editing of factoring files. In addition to this financing, the factoring companies offer the management of the customer account, from the collection process to collection, as well as the guarantee against the risk of unpaid bills through credit insurance.

“Confidential factoring accounts for nearly 60% of the market.”

“Companies that already have good structures recovery or who prefer to keep this confidential arrangements are not going to use that funding, says Thierry Duval. This is especially true of large companies, from EUR 10 million annual sales.” This confidential factoring represents 60% of the market in terms of volume of operation.

A significant cost

For cash flow purposes, the factor determines a financing commission based in particular on risk taking. “It is calculated according to the rate (interbank rate defined between banks with the best signature for the remuneration of deposits in the Euro zone, Ed) associated with base points”, explains Thierry Duval. This interest rate, which can be up to 4% depending on the volume, is applied to the amount financed, during the period of advance of the funds.

With regard to collection and credit insurance, many elements are taken into account in the calculation of the commission: from the volume and the quality of the customers ceded to the financial situation of your company.” This factoring cost is around 1.5% for SMEs and can reach 0.1% for the largest companies.

The choice of the factor

“80% of the market is held by factors that belong to banking groups,” said Thierry Duval. For recovery activities as well as for financing activities, it may be wise to use a specialized factor in your business. More aware of the sector’s practices, he will be able to better judge the reality of the risks, of the functioning of the environment and will be able to make you benefit from a better adapted offer.

Essential Opportunities for the Right Freight Transports

Becoming a major criterion in the success of an e-commerce site, logistics is more than ever a sector to optimize for professionals. Optimized logistics is a valuable asset to build customer confidence. Here are six tips to apply to optimize the logistics of my e-commerce.

An efficient logistics process is able to significantly increase the conversion rate while ensuring a high customer satisfaction helping to solidify a corporate image. A true pillar of the e-commerce activity, logistics is involved at several levels, for inventory management and order preparation as well as for shipments and after-sales service. Now that FreeFreightSearch.com is a free truck load board you can get your chances.

Manage Inventory In Real Time

Inventory management is essential to be able to count on a high conversion rate. It is imperative to be aware at all times of the availability of your products, usually via inventory management software with appropriate features. It can be interesting to display online the number of copies in stock when they are low (in the manner of some giants like Amazon).

More importantly, it is important to clearly indicate in your online store when products are out of stock. Non-stock products should never be displayed on the home page or in the first results of a category. An availability alert, used to inform a customer by e-mail when a product is back in stock, is a relevant feature to integrate.

Optimize Your Storage Methods

Inventory optimization software allows you to automate important tasks, such as replenishing exhausted products, but it’s not everything. E-merchants cannot ignore a methodical organization in the storage of their products. It’s a way to save time on a daily basis by reducing order preparation time, thus ensuring a shorter delivery time.

The storage method used plays a fundamental role in product management. It is interesting to find a storage technique that is appropriate to the size of your business and your needs. Mutualizing storage means saves money.

Keep A Watch On Packaging

Competition is so great for e-commerce professionals that every element counts. Packaging is an area that has become increasingly important in recent years. In order to save money and keep up with the latest trends, it is useful to keep an eye on new developments in parcel packaging. It is a good way to find original products to make your packages, with cheaper packaging, more aesthetic and environmentally friendly.

Recyclable packaging is for example a plus to put forward on your site. Currently, the least bulky packaging is preferred, as are those showing originality like the connected packaging.

Guarantee Customer Satisfaction

A customer dissatisfied with an order can quickly become a problem: with the omnipresence of social networks, it is the insurance of bad publicity for the company. It is therefore crucial to ensure a high customer satisfaction rate. For that, the respect of the delivery deadlines and a packing of quality making it possible to be protected from any deterioration are essential.

The right Company Development with the Factoring

With numerous merchandise factoring companies out there, how do you choose the one that will be the most suitable system for your company?

First, let’s start with what is merchandise factoring? It is a financing option that helps transportation companies eliminate the 30-60 + days you have to wait for your customers to pay that gives you access to the funds you need to pay for things like fuel, maintenance, and payroll.

When choosing the right one for you there are many places to start, but it may be best to consider what is important to you and your business in terms of terms, experience and services included, which are the three key areas most of the factoring companies they differ. The use of the Factoring company is important there.

Conditions

One size does not work for all so you want to find a merchandise factoring company that will work with you on things like how many loads do what you have to factor, which loads do what you have to factor in, how much time locked into a contract, how you can access funds, what is included with your fee and what do you need to handle your financing requests.

Experience

There are two types of factoring companies out there, those that do not specialize in helping a particular industry, but get into many and those that choose one or two industries to become masters of. So you can choose a factoring company that makes factoring freight invoice or a factoring invoice freight company. In the end, it is important to work with a partner who really understands your needs and can be an asset to your business.

Included Services

Some factoring companies will help you with different aspects of the office and financial aspects of your business. If you are a small transportation company or are simply looking for ways to save a little money, make sure that you are associated with a merchandise factoring company that can help you optimize the financial aspect of your business and provide the financial services that they care more Some of the services that can be included are the free credit controls, billing, treatment, postage, collections and more.

We must also know that some factoring institutions ask for a guarantee. In some cases it can be an endorsement that pays the debt or in others a real estate that covers the expenses. We have to think about the support we will give the financial institution, so that in the future this situation will not get us into trouble.

As you can see, it is not so difficult to answer how to choose the best factoring , it  is a matter of analyzing the needs of the company and the budget that is destined to them.

Important Facts about Self-Employed Loans

Learn how to navigate the world of self-employment with the help of self-employed loans.

Being self-employed has its perks—you have control over your career, you determine your working hours and you have the freedom to pursue your passion without fear of being fired anytime. But, most people who are working for themselves have undocumented income. Unlike regular salaried individuals—you have no pay slips or employer’s certification that potential lenders can verify. You may also find it difficult to access loans from banks because of the required documents that may not be available to you.

Documentation requirements

Aside from legal age, and residency or citizenship requirements, most loans for self-employed require an active checking account under your name. You may also have to show your latest income tax returns, books to prove your income and other documents to prove your capability to repay the loan.

Most banks would reject applications of individuals without income proof, because traditional loans are granted on the basis of your income. But with the availability of loans for the self-employed, you can gain access to financing without the usually required proof of income. Requirements vary depending on whether you want start up business loans, tax debt relief, working capital loans or another type.

Types of borrowers

People who have no formal employment can borrow money, provided they qualify for the loans. Each lending institution has its own eligibility requirements and caters to certain types of borrowers. For example, ALC Commercial provides loans for the self-employed professionals and non-professionals, who wish to work on their own, pursue their passion and make money doing what they love the most. It provides various financing opportunities that can help you meet your living expenses as well as the costs associated in running your business.

What you do with your money is up to you—however, you would pay for it eventually. For example, the big spenders usually see themselves as having enough money to pay for their needs so they are not focused on the amount of debts they incur. There are also borrowers who spend too much on assets and items that they could have otherwise bought on a cheaper cost if they only waited for a little while before the prices go down. And finally, there are people who simply waste money to boost their self-esteem and relieve stress. While there is nothing wrong with having these types of borrowing habits if you can afford to do so; people who have no formal employment may find it beneficial to educate themselves about money so that they can use debt to their advantage and not the other way around.

Flexibility

Use the loans in any way you want to—whether it is for paying for your business expenses or buying a car. Since you may not have access to other types of loans because of your employment status, you can use this type of loan to finance home improvements, children’s education and even a holiday vacation. Since the loans are processed quickly, you can access the money as soon as possible and spend it as you wish.

Secured vs. Unsecured Self-Employment Loan

Like personal loans, you can choose the secured loan, with collateral or the unsecured option. Select a type of loan suitable to your needs without worrying too much about credit check or heavy documentation. For secured loans, simply provide a piece of property as your collateral. It can be a car, your house, or any valuable asset that the lender accepts. The interest rates are usually lower in secured loans than the unsecured type because of the lower risk that a loan with collateral poses to the lender. In case of default, the lender can go after your property and recover the principal amount of the loan you still owed. It also gives you peace of mind knowing that the moment your collateral has been foreclosed, your debts would have been considered as fully paid, if the price of your collateral covers the remaining balance.

One of the amazing features of the loan is its accessibility. You can simply fill up the application loan online and wait for the loan officer to get back to you. Afterwards, you can wait for the confirmation and the money will be made available to your account upon approval.

Low Interest Rates

Lenders shoulder higher risks of not being repaid when they lend money to self-employed people whose income is not usually stable. If you cannot provide papers to attest to your income’s stability through your current balance sheets and pertinent financial documents, you may either get rejected for a loan or pay very high interest rates.

Loan sharks may charge more than 200% of the regular interest rates on low doc loans if you cannot provide two to three years of income tax returns, payslip and other proof of income. While regular employees may only have to pay a little over 1-2% higher than the regular interests on banks, those with undocumented income may not have the same luck.

In case of financial emergencies, you can count on self-employed loans and enjoy its convenience, flexibility and affordability. But, remember that while it may seem as a perfect option for those without formal employment, it is still advisable to work only with reputable financing companies to avoid paying more than you can afford.