Finance Articles

Five Classifications of Loans

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These days, loans are quite common in the United States. According to finder.com’s survey, about 34{5af9436fde0806196c638439c577865b661ddabc465145658c6e89f88600979f} of Americans took out a loan within the past year. There are many ways to take out a loan. Banks, websites, and peers are all avenues for lending. However, there are also many types of loan classifications, each with certain stipulations.

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Pass Loans

Pass loans are the best type of loan to have. If someone has a pass loan, he or she is paying the commitments on time and on a regular basis. The lender is not concerned about the debtor paying back the principal or interest.

Special Mention Loans

Debtors with special mention loans are dealing with more hardship than those with pass loans. He or she is having trouble making a payment or are not regular with the payments. The lender or institution is starting to feel threatened. However, they … Read more

Finance Articles

How Do Fire Hydrants Work?

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Fire hydrants are often walked by without a second glance or frowned upon for blocking access to parking. However, they are incredible, life-saving tools. Here are three key pieces of information on the workings of fire hydrants.

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Why Are Fire Hydrants Needed?

A fire hydrant is a back-up source of water for firefighters to use while extinguishing a fire. Though fire trucks carry a considerable amount of water themselves, in the case of large fires, a greater source is required. Fire hydrants are connected to underground water supply systems and, when opened, can produce a strong, steady stream of water. They are typically painted in bright colors, like red or yellow, to make them easier for fire-fighters to spot from inside their fire truck. 

How Do They Work?

When firefighters arrive to put out a fire, they first draw upon the water in their own trucks. As this is happening, … Read more

Finance Articles

The 4 Most Common Types of Drug Tests

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Hasil gambar untuk Drug Tests

There are several situations where it is necessary to screen people for illegal drugs. Employers often require a 5 panel drug test Houston before making a job offer. Athletic associations may use them to detect the presence of performance enhancing substances. They are also used in treatment programs to verify whether a person’s system is clean or not. Here are the 4 types of drug tests that are most commonly administered.

Urine

Urine tests are the most popular tests used by employers as they are inexpensive and quite accurate. Depending on the type of drug, its presence may be detected in urine for up to a month after use. The person being tested urinates into a sample cup at the test site, and it is analyzed shortly thereafter.

Blood

Blood tests are performed in a hospital or lab setting. Blood is drawn from the subject’s arm through an intravenous needle, … Read more

Finance Articles

Retirement Basics

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No matter what business you’re in, you know you have to take your retirement seriously. You may be putting 15{5af9436fde0806196c638439c577865b661ddabc465145658c6e89f88600979f} of your paycheck away to save for the days when you no longer have to work, but do you really know what that money is doing? If you only have one option chosen to invest your retirement in or don’t know what your future plan will be, check out these retirement basics.  

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Annuities 

An annuity is a large investment that will have a guaranteed steady payout when you retire. You may choose to put money into fixed deferred annuities. These function like a saving account with a fixed interest rate. If you are closer to retirement age, though, an immediate annuity that lets you take payments soon after an account is opened may be the better choice. 

401K Plans 

Most people working in the private sector already have a … Read more

Finance Articles

How To Outfit Your Home Office

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Having a home office is a great way to get work done while at home. To get the most out of your residential workspace, consider the following tips when decorating your office.

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Match Your Needs

Determine what you will be doing in your home office and make sure your furniture and office location matches the needs you have. If you intend to do audio production and editing in your office, consider picking a room that is far away from sleeping quarters and/or soundproofing the walls. If you will be doing lots of paperwork and maintaining physical files, ensure you have proper storage available. Research commercial office furniture for furnishing items that will last and provide excellent utility.

Get Inspired

Look to make your workspace inspiring by filling it with items that match your work’s focus in addition to selecting colors and designs that promote creativity and productivity. Aim to be … Read more