Bad Credit Commercial Loans – Give Your Vision A Reality

Usually, bad credit commercial loans pass on purposely to the assistance of loans to entrepreneurs having adverse credit history for their existing or planned businesses. Most typically, bad credit commercial loans are done through a bank or some other major high street lenders. Many commercial institutions offer small business loans that are especially designed to fit the needs of a variety of the borrowers at their businesses.

Although borrowers having bad credit history get negative response applying for any sort of loans, coming of bad credit commercial loans has solved the borrowers’ borrowing problems. There are two types of bad credit commercial loans i.e., secured and unsecured. The former forms of bad credit commercial loans contain collateral placing as of borrowers’ securities in the future, whereas pledging placing do not matter regarding these forms of bad credit commercial loans.

There are many lenders available online and offline for bad credit commercial loans. Candidates i.e., bankrupts, arrears, defaulters, IVAs, and CCJs, need to carry with them their current credit scores. Reviewing the current credit scores, the lending authority see through the borrowers’ financial capability and repayment capacity. After, lenders bestow the borrowers with bad credit commercial loans to the borrowers.

If you decide that you want to finance business through bad credit commercial loans, ensure that you visit a number of different lenders, such as commercial institutions and high street lenders. Review your options carefully so that you can choose the lending option that is best suited for your business and for your current financial situation.

In the recent past, the provision of bad credit commercial loans online has given the processing of bad credit commercial loans a good speed. Now, borrowers have to fill in a simple application forms, and rest they have to search out a lender. That many lenders are present online borrowers find options selecting in between.

Why an Integrated Workplace Safety and Wellness Program Is Best

Employees are a business’s most valuable asset and keeping them safe and healthy should be a priority for any company. Many businesses have a workplace safety program and a wellness program, but the two programs operate independently of one another – but should they? There are some compelling reasons to integrate the two so that employees can benefit from a more global, holistic approach to staying safe and healthy on the job.

To adequately address health and safety issues, companies need to look not only at whether an employee is performing their job safely but whether they’re healthy and fit enough to do their job without a high risk of injury. Issues like obesity, poor physical fitness and inadequate nutrition make it harder for employees to carry out certain tasks in the workplace.

The link between health and safety

According to research published in the American Journal of Public Health, people who are obese are at higher risk for occupational health issues and injuries. When obese staff are exposed to chemicals on the job, they’re at higher risk for occupational asthma and heart and lung issues compared to a non-obese person. They’re also at greater risk for ergonomic issues and bio-mechanical problems including carpal tunnel syndrome. If companies focus on workplace safety without addressing the obesity issue, the bigger problem remains. A unified approach that integrates occupational safety measures with wellness initiatives that emphasize good nutrition and weight control provides a more effective solution to the problem.

There’s also the issue of back injuries. Back injuries are one of the most common workplace safety issues, and people who are overweight and physically unfit are at higher risk for injuring their back on the job. Most back injuries occur as a result of lifting objects at work and ergonomic issues. Although it’s not possible to prevent all work-related back problems, integrating wellness with safety by emphasizing regular exercise to strengthen muscles in the lower back can reduce back injuries. Integrating workplace safety and wellness offers a more well-rounded approach to preventing back injuries.

What part does wellness play in safety? Wellness programs that focus on stress reduction, smoking cessation and alcohol and drug-related issues are also important for workplace safety. According to a study published in a Canadian publication called The Daily, smokers are at greater risk for being injured at work compared to non-smokers. Among women, the risk was nearly double. Stress does more than just affect employees psychologically – it increases their risk of being injured on the job. Employees who are under stress at home or at work are distracted and less able to focus on doing their job safely. Integrating stress management into a workplace safety program can help reduce the number of injuries and motivate employees to be more productive. Nutrition is another factor that a workplace safety and wellness program should address. Employees who start their day with only a cup of coffee are more prone to blood sugar drops that can lead to workplace injuries. Good nutrition is an integral part of any safety program.

There’s another benefit of merging wellness and workplace safety. Employees are less likely to participate in programs that address workplace hazards than they are wellness programs that focus on personal benefits. Integrating the two makes it more likely that employees will take part.

The bottom line

Combining workplace safety with wellness has a number of benefits for both employees and employers. Most importantly, it helps to create a safer, healthier and more productive workplace – and that’s something every company should strive for.

How to Name Your Product: Giving Your Product a Compelling Brand Name

Were you ever been caught in a situation where you have a great business idea but you’re clueless on where to start? You have a great product or service, and you firmly believe that this will be the next big thing. But then you ask yourself, “How shall I name my product?”These are hurdles that hinder aspiring entrepreneurs to transform their ideas to reality. Branding can be daunting task. And if not done right, it can significantly tarnish your brand image. Creating a name with the perfect fit is a challenge for most us. Choosing a name requires an exhaustive research and usually consumes a lot of time. A brand name is one of the most powerful piece of messaging. It’s also one of the most ubiquitous components of any branding program.A research conducted by the Japan Economic Times reveals that out of 139 marketing professionals, a majority said that the brand name is the most important element in branding. More important than the slogan and the logo. Moreover, According to Al Ries, a world-renowned author and a marketing strategist:”Your name stands alone on the internet, so you better have a good one.”- Al Ries, The Law of Proper NameDue to the complexity of the branding process, people come up with their own strange ideas to cut the chase.In Egypt, a couple named their firstborn daughter “Facebook”. They were inspired by the role Social Media in the Jan 25 2011 revolution in Cairo’s Tahrir Square. The father, Jamal Ibrahim, was so happy with Facebooks’s role in organizing protests in Tahrir Square and the nearby cities. He named his daughter “Facebook Jamal Ibrahim.”Filipinos on the other hand, are such creative lads. They never run out of ideas. They can come up with a plethora of permutations combining their children’s first names. They always show off an uncanny output. Examples are Rubylyn Bakeshop (names Ruby and Lyn combined) and Lilyma Enterprises (Lily and Mario combined), just to name a few. In the eyes of the owners, that’s the best brand name ever created.Though they were relieved from going through the tedious branding process and avoided paying off the Branding expert’s hefty fees, this tactic is ephemeral. This may work locally, but will eventually falter when the product reaches the international scene. So if you want to build a great brand, don’t name your dog Blackie. Don’t just be creative, be smart. Always anticipate that overtime, your brand will go global. It pays to be ready.OK, let’s get into it.Here are the 3 characteristics of a great product name:1. Limit your name to under 10 characters.Using about 6-7 chars to a name is ideal. Of course, there will be exceptions. This is not carved in stone. There are some great brands that are longer that 10 chars. Like National Geographic, Harley- Davidson, and Coffee Bean and Tea Leaf (CBTL). However, overtime these long brand names discovered the benefits of using a shorter version of their names via abbreviation or the use of acronyms. Network Solutions eventually bought Netsol.com for ease of use. Ergo, if you can create a short name early on, the better. Shorter names are ideal for so many reasons:

It’s easy to remember,

Easy to type when people search in Google.

Easy logo placement in advertising mediums.
2. Remember “USSR” – Unique, Easy to Say, Spell, and RememberUniqueIt’s a noisy world. We are bombarded with more than 300 messages a day. How will you stand out from the sea of advertisements? One way to be distinct is by combining root words like Facebook, Scotch Tape, Band-Aid, Post-it, etc.Portmanteau defined:”Portmanteau is the combination of two or more words into one word.”Some well-known brand name portmanteaus are Microsoft, Groupon, and Amtrak. You can tweak and blend words like Netflix, Pinterest, Kleenex, Tweeter, and Krispy Kreme. Use abstract names. The likes of Xerox, Zipper, Jacuzzi, Velcro, Taser, and Kraft, these became big brand names. Avoid using hyphens or prefixes like “my”, “super” or “the” then attaching the company name. Stick with root words whenever possible. Cut the prepositions.Easy to SayIt is easier to ask for a product, when you’re at the shops, if the name is easy to pronounce. For example, take Fa├žonnable (fa-SON-ah-bluh), the French apparel brand. This is challenge to pronounce and difficult to remember.Easy to SpellYou don’t want to use the color Fuchsia as part your brand name. No matter what I do, I can’t spell this right. This will also complicate your optimization efforts in Search Engines (SEO). More of this in another article.Easy to RememberThe most memorable way to name a brand is by using alliterations.Alliteration defined:”Alliteration is the repetition of a sound in multiple words.”Great examples are Johnson & Johnson, Gumgum. And we have our share on this. Our very own Nognog – a famous brand of deep fried crunchy corn during the 80′s and 90′s that’s loved by everyone. This became a staple in every drinking parties. Another of course is Tira-Tira. An elastic, chewable candy made from sugar and coconut milk. This candy became every kid’s favorites because of its sweet taste and chewable nature. The Pinoy ingenuity never fails to impress.3. No negative connotations.Here are some words, when translated to another language or used in other forms, may connote a different meaning. So make sure you choose a name that’s not offensive to others.Ex. P&G launched a new soap in the US named “Dreck.” “Dreck” sounded like a German word for dirt, garbage, body waste and a four-letter expletive that cannot be published elsewhere.In Japan, automakers have marketed the Mazda Laputa. Unfortunately, these brand name will not sell to Spanish-speaking countries where “laputa” means “the prostitute.”Similarly, during the 1950s, there was a Swedish car magazine named “Fart.” “Fart” is a Swedish word meaning “speed.” Though is OK in Sweden, this would cause considerable embarrassment when the magazine goes international.You should also consider how people will relate to a name’s meaning. Pen Island, when used as a domain name (penisland.com), is not acceptable and will be obscene to others.In other words, naming your product doesn’t have to be that onerous after all. Just follow these simple guidelines, know your product, do a little research and there you go. You can create a compelling brand name in a breeze.