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DID YOU KNOW?

	In whatever career you may find yourself in, there is no such thing as "information overload." Know as much as you can, do what others do, and what the entire company does. Equip yourself with a total knowledge of your work environment, enough to make you feel like you own the network. Who knows, you may someday. Walking an extra mile, being organized at work, honesty, trust-worthiness, dependability, being a team player, loyalty, and resourcefulness are the must-be characteristics of your passion. Are you the type of worker who is always looking forward to Monday morning? Or you are the type of worker who’s pleading and hoping that it will always be Friday the other day? There are workers who are called TGIF workers? What is TGIF? TGIF stands for Thank God It’s Friday. TGIF workers can’t wait for their minimum of 8 hours a day to finish. If you classify yourself as a TGIF worker, then you are certainly lacking something or missing something important in your career life – passion. What does it take to be passionate in your job? There is always that old maxim “Do what you love the most.” A passionate worker always has the appetite to go to work every day. He or she doesn’t mind if it's Monday or Friday. He or she treats everyday as an important day in his or her career life. What do you think is the result of being a passionate in your career life? When you are passionate in your job, you enjoy it and even seek for more. There is always the idea in your mind that you can always do better than that. You are not satisfied to mediocre work. And it pays to be a passionate worker not because you will be accelerated into higher position nor you will be given extra compensation, but because you can get things done in your work with a sense of appreciation. In your work as an entrepreneur at home, you got to have extra passion. Why do you need it? You might be asking. Take this for an instance; can you able to sit a little longer whenever a meeting comes? Can you stay a little longer if you’re transacting some business matters to a customer that asks too many questions? In short, can you be patient enough but maintaining the passion in you? You can be energetic enough in your work but it demands greater than that. Still, you need passion in your work. So, what separates a passionate worker to a worker that only minds work? People who practice passion in their work always perform their work at their best. They always strive for perfection in everything. They see perfection as unattainable in most things. But their eagerness drive them much nearer to it than those whose laziness and despondency make them give it up as an imperfection. Passionate workers put extra care in their work and they aren’t satisfy for anything less. At this point you might be asking either one or more of the following questions: 1. Do I need passion even though my work is just a home business? 2. To whom will I use passion? 3. What will passion do for me? What is its impact in my performance? 4. How may I know my passion? The last question on the list is very interesting. In one way or the other, passion creates a difference in terms of performance between a passionate worker and the other. What do you like the most? What are your interests? What type of job do you enjoy the most? The answers to these questions vary depending on the personality of a worker. But whatever will it be, if you can answer the questions then that will be your checklist on how you may know your passion. Each worker has different passion. One’s passion is not the same with the other. Your job as a home business representative takes a little talking to different people. If you found that your passion is more on communication, then you are really entitled for the home business. If you like to deal with different people and enjoy front liner’s job, you are really fitted for the home business.

As if the UK debt market isn’t at busting point already, there are several Loan companies vying for new customers and the year has just begun. January is the busiest month of the year for loan applications so it is basically a feeding frenzy for the loan companies. What is the UK debt situation going to look like at the end of the year?

Personal loan rates are dropping all the time and at the time of this article being written one of the more competitive rates being promoted in the market is 5.5%. This applies to loans from as little as £1,000 to a max of £25,000. On the face of it that looks like a good deal but always remember that most lenders will reserve their best rates for those that are borrowing over £7,000.

There is a base rate drop on the cards this year and all the loan companies are factoring this into their rates on offer. The rates may seem attractive but if the interest rates drop then you may be a % point worse off if you have locked yourself into one of these low rate loans now.

There are a lot of people that are still paying off their debt from last years Christmas season. The attractive rates on offer at the moment are just going to perpetuate the borrowing cycle. Is this not what the banks want? If you take out a loan you are going to get the hard sell in order to take out payment protection. This is entirely up to the borrower but in many cases it has been shown that the cost of the protection is extremely expensive and should you need to be covered you will find that there are several conditions that apply so beware. Banks make an absolute fortune from this as only a small % of people actually end up having to claim.

Think of it this way: You get a loan for 5.5%, you take out payment protection and that extra charge on your card every month in real terms actually pushes your interest rate up by about 0.5%. This means you are actually paying 6%. There has been a lot of press lately about the mis selling of PPC so again be cautious.

I won’t mention all the companies that are fighting for your business but you can be certain that when you open that magazine you have just bought about 2 lbs in weight of loan brochures will fall from the covers.

The general rule of thumb in the industry is that two thirds of all applicants should qualify for the APR advertised but unfortunately only those with excellent credit ratings will get this rate. Others will be hooked into slightly higher rates so what you see advertised is not necessarily what you get.