11 Advantages Of Overdraft In Business

1. Cashflow - you can draw on money when unexpected expenses arrive (or expected income doesn't). 2. Customer only pays interest when overdrawn 3. Bank has flexibility to review and adjust the level of the overdraft facility, perhaps on a short-term basis. 4. Easy to organise 5. HELPS IN KEEPING GOOD TRACK RECORD 6. TIMELY PAYMENTS: It also aids in ensuring that timely payments are made and no late payments penalties are faced, as payments would be made even if there is no balance in the account. 7. You normally won’t be charged for paying off your overdraft earlier than expected. 8. It can be a cost-free safety net so long as you're not using it. 9. Overdraft can be effectively be used as a medium-term loan – the facility is simply renewed each time the bank comes to review it. 10. Only pay interest on what you borrow 11. LESS PAPERWORK: Overdraft facility is usually easy to avail compared to long term loans which may require more paperwork.

26 Reasons For Failure

1. YOU FAIL BECAUSE YOU’RE AFRAID TO STAND OUT AMONG THE CROWD. 2. Lack of Persistence 3. Lack of Conviction 4. They don’t plan 5. Lack of Well Defined Purpose in Life 6. Lack of Ambition to Aim Above Mediocrity 7. YOU FAIL BECAUSE YOU LACK HUMILITY 8. YOU FAIL TO NETWORK AND BUILD STRONG RELATIONSHIPS 9. Dismissal of Past Mistakes. 10. Lack of Discipline. 11. They’re pessimists. 12. They’re scared. 13. Procrastination No matter what you read about the law of attraction. Only thinking about something will not make it happen. 14. YOU FAIL BECAUSE YOU’D RATHER ARGUE AGAINST ADVICE INSTEAD OF TAKING IT. 15. YOU FAIL BECAUSE YOU DON’T TAKE RESPONSIBILITY FOR WHAT HAPPENS IN YOUR LIFE. 16. YOU FAIL BECAUSE YOU’RE TOO DISTRACTED. 17. Poor Self-Esteem. 18. Fatalistic Attitude: A fatalistic attitude prevents people from accepting responsibility for their position in life. They attribute success and failure to luck.  19. They’re in the wrong place: Sometimes failure is simply a matter of location – the wrong country, the wrong state, the wrong job, the wrong hobby.  20. They don’t care Obviously, if you don’t care about doing it well, you won’t.  21. Negative Personality: Those with negative personalities set from the get-go will not get very far in life. 22. Fear of Criticism or Rejection: Those who would rather not try than fail will inevitably experience failure. 23. YOU FAIL BECAUSE YOU DON’T BELIEVE IT’S POSSIBLE 24. YOU FAIL BECAUSE DEEP DOWN, YOU DON’T THINK YOU DESERVE WHAT YOU WANT 25. Lack of Well Defined Power of Decision 26.  Lack of Concentration 27. Lack of Enthusiasm

15 Difference Between Honda Civic and Hyundai Elantra

1. While the Civic offers only 3 years or 36,000 miles of bumper-to-bumper coverage and 5 years or 60,000 miles of powertrain protection, the Elantra boasts 5 years or 60,000 miles of bumper-to-bumper coverage and a whopping 10 years or 100,000 miles of powertrain coverage.  2. These two match up very closely on price ($24,995 for the Civic Si on summer tires, $25,985 for the Elantra Sport with Premium Package) and on the spec sheet. 3. The Elantra Sport does offer a seven-speed dual-clutch automatic as a $1,100 option, but the Civic Si is only offered with the aforementioned six-speed manual. 4. Fuel Economy: If you’re looking to go green, then the 2017 Honda Civic is the car to buy. That’s because it boasts fuel economy ratings of 8.5 L/100km in the city and 6.0 L/100km along the highway, whereas the 2017 Hyundai Elantra musters only 9.1 L/100km in urban areas and 6.6 L/100km on the open road.  5. The Honda Civic is a stalwart among small sedans. Redesigned for 2016, it has a stiff new body, efficient new engines, and lots of safety technology.  6. The 2017 Honda Civic LX uses an efficient four-cylinder engine to deliver 158 hp and 138 lb-ft of torque. The 2017 Hyundai Elantra SE puts out 147 hp and 132 lb-ft of torque from a four-cylinder engine. 7. Despite both being classified as small sedans, the 2017 Honda Civic has a more spacious interior than the 2017 Hyundai Elantra. With more front head room, hip room, leg room, and shoulder room, you and your passengers can be assured a comfortable ride.  8. 2017 Honda Civic: Multi-Angle Rearview Camera: 2017 Hyundai Elantra: Rearview camera (not standard) 9. If you're interested in specifics, the Elantra starts at $18,000 with shipping, while the Civic is $19,600.  10. The Civic Si is the sharper performer of the two, though the Elantra Sport is no slouch in that department. The Hyundai just lacks some of the sharpness of the Honda — it needs better steering and a more aggressive throttle setup to really compete in the performance categories. 11. The 2017 Hyundai Elantra SE starts around $18,000. It has cruise control; air conditioning; 15-inch wheels; a six-way adjustable driver seat; and a six-speaker audio system.  12. The Civic is a clear winner 13. 2017 Honda Civic: LED Daytime Running Lights 2017 Hyundai Elantra: LED Daytime Running Lights (not standard)

9 Difference Between Uber And Lyft

1. Lyft tends to interview the driver more in depth than Uber. 2. Uber serves hundreds of cities in dozens of countries, while Lyft operates only in the United States, serving 46 states and the District of Columbia. 3. Many riders will choose Lyft, especially in times of high demand, since Lyft typically doesn’t hit the high multiples that Uber riders have come to dread. 4. Uber has a larger fleet and more pricing options. From the low-price UberX to the high-end UberLUX, with options of regular taxi, spacious SUV and classy sedans, Uber is impressive for the options it provides for every price-range and occasion. 5. Lyft seems to have a different vibe, with the moustache and the fistbump. Uber is more into opening doors and dressing professionally.  6. Uber is a much larger company than Lyft and has received a lot of negative press for everything from a sexual harassment lawsuit to its cutthroat workplace culture to the low wages some workers earn. 7. From a driver’s perspective, Lyft takes much less than Uber does. Uber’s take from commission feesare outrageous, and now with their new upfront pricing strategy, it’s even worse. 8. Uber began to develop self-driving cars. The vehicles could be the future of the company and would dramatically lower its labor costs.  9. Lyft passengers almost always sit in the front. UberX passengers almost always sit in the back.

10 Difference Between Food Processor And Blender

1. You should stick with a countertop blender if you mainly make smoothies, blended cocktails, soups, and emulsified condiments like mayo. 2. A food processor is used for more labor-intensive tasks, such as mixing dough or slicing vegetables. 3. Need a machine that’s more specialized at helping you prep veggies or grind toppings? Try a food processor. 4. While blenders have become more capable over the years, they still don’t do much more than blend. 5. Food processors often have quite a large maximum capacity (although you should still accommodate for spin), as well as a variety of smaller bowls and blades. 6. Blenders is relatively cheap. 7. Blenders don't knead dough, mash potatoes, grind nuts, make nut butters, chop vegetables or finely chop breadcrumbs. 8. Food processors not suitable for blending soups, cocktails and smoothies unless it comes with a blender attachment. 9. Food processors is great for making pastry and doughs, grating, shredding, and slicing fruits and vegetables and grating hard cheese. Makes dips, curry pastes, batters and mayonnaise and finely chops bread crumbs. 10. Blenders are good for a speedy snack such as a protein smoothie whereas food processors tend to be slower paced and get better use when making large meals.

22 Signs That Your Wife Hates You

1. She is no longer affectionate: 2. When your wife is unavailable or unwilling to have a real conversation about the state of your marriage, it may be a sign that she’s reached a breaking point. 3. Withholding Sex: Withholding sex is never healthy in a relationship — it's a power play that many use as a weapon. 4. You have to clean up after yourself: I know it's old fashioned but women tend to care more about cleanliness than men. So when she stops caring about that, it's a sign she's stopped caring about your marriage 5. Your partner is definitely a taker, not a giver. 6. She does not spend time with you. 7. You barely touch anymore. 8. Increased Number and Intensity of Fights 9. She doesn't initiate anything, ever 10. You’re frequently the object of horrible pranks. 11. She does not try to impress you. 12. All you talk about kids and household logistic. 13. Sadness: Of course, there will be moments of sadness in any relationship: dealing with things like job loss or death are valid reasons to be upset. But long-term sadness is a different animal, and can mean any number of things. 14. Guilt trips: Do you feel guilty about going out, even to work? If when your leaving your wife and she is in an unhappy mood this can trigger things. 15. Plus, you’re always the one who gets blamed for anything going wrong. 16. She does not support you or cheer you up. 17. Feelings of Helplessness and Hopelessness 18. Sketchy behavior Have you started to notice that your wife has a new ‘private life' that you don't have access too? This includes new email accounts, deleting history from devices, phone calls from numbers you don't know and even a second phone? 19. Reluctancy to Celebrate Milestones 20. New wife: Is your wife doing things she has never done before, or hasn't done in a while? I.e. joining the gym or buying a style of clothes that she hasn't worn in ages, maybe even new circles of friends? 21. They're not afraid to be rude about your family. 22. And they prefer to be online or play video games rather than spend time with you.

9 Benefits Of Research And Development To An Organisation

 

1. Productivity and Product Differentiation: Firms gain a competitive advantage by performing in some way that their competition cannot easily replicate. 2. Leaps in Market Participation: Market participation refers to the ability to attract new customers and win customer interest. 3. Tax Breaks: The federal government has allowed businesses to use up to 20 percent of their R&D; expenses as tax deductions. 4.  Unique selling point – R&D can help you develop unique products and services.  5. Reputation - engaging in R&D can help you strengthen your brand and reputation. 6. Long term income - once a product has been developed it can generate a strong stream of profits for many years. 7. Ongoing research also leads to new opportunities - researchers cannot always anticipate what the results of their research will be.  8. Buyouts and Mergers: Many entrepreneurs and small businesses have made a large sum of money in a short time by selling good ideas to established firms with many resources. Buyouts are particularly common with Internet companies, but they can be seen wherever there is a lot of incentive to innovate. 9. Costs: One way a small business can reduce the cost of manufacturing a product is to use R&D