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All posts tagged finances

Effective Strategies That Will Get Your Agency Droves of Finance Recruits

Categories: Marketing & Sales
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A person doing finances A significant number of candidates are turning down offers from finance recruitment agencies. Candidates are voicing out that the compensation does not match expectation. It is common to find that the potential candidates accept offers from other organizations or counter-offers from their current employers. Another reason that contributes to offers being turned down is the demands of the new position. As an agency striving to circumnavigate this problem, you need to employ the strategies below.

1. Offer Competitive Salaries.

For you to figure out the kind of salary that would attract potential candidates, you may need to do a comprehensive salary survey. This includes consulting fellow recruiters, going through job forums, visiting sites that advertise jobs in the finance sector, and joining Facebook groups. Make sure their membership consists of those who picked up careers in finance, allowing you to compare market rates for various positions. You will then want to offer a salary that matches their expectations.

2. Know Your Candidate.

It is vital that you can establish what drives candidates to pick a particular job. You can achieve this by asking this kind of question as you interview candidates. Aside from the salary, try to find out other significant factors (i.e., work flexibility and career development), which influence their decision.

3. Offer a Deferred Salary Hike.

Shortly, it might difficult for you to match the salary expectations of certain candidates. To get their attention, you will want to promise them a wage hike after a certain fixed period. You should also let them know that the increase will be subject to them proving their value to your firm.

The above strategies will help you beat the competition and get the best candidates out there. However, you should be careful of offering salaries that surpass the budget because you might lack the ability to pay up in the future.

Bankruptcy Filing: When to Choose Chapter 13 Over Chapter 7

Categories: Informational
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A calculator on top of a cheque book and pen While many debtors file for Chapter 7 bankruptcy, there are some cases when Chapter 13 becomes a better alternative. The same is also true if you are not eligible to file for Chapter 7. It is normal to assume that Chapter 7 is always better as this can eliminate most of your debts, while the other chapter requires you to repay some portion. Note, however, that is not always the case.

Even if you qualify for Chapter 7, choosing Chapter 13 can benefit you in certain situations:

You Want to Pay to Keep Your House or Car Loan.

If you’ve fallen behind on loan payments but still want to pay them off, Chapter 13 is a good choice. Utah Bankruptcy Pros and Chapter 13 bankruptcy lawyers in Sandy note that making up car loan and mortgage arrears is only possible in this chapter.

You Have Debts That Cannot Be Eliminated in Chapter 7.

These include all types of student loans and certain tax obligations. You can include these debts in the Chapter 13 repayment plan and continue to pay them off.

You Want to Keep the Non-Exempt Property.

In Chapter 7, you can only keep exempt properties or those protected under the law. You will have to surrender nonexempt properties to the trustee, who will sell it to pay your creditors. In Chapter 13, however, you can keep them by repaying your debts using your income.

You Want to Protect a Co-Debtor.

When you file for Chapter 7, creditors will still hunt your co-debtor for payments. If you, however, choose Chapter 13, your co-debtor will be safe, but be sure to keep up with your repayment plan.

You Really Want to Pay Your Debts.

If you’re sincere with this intention, you can get the protection of bankruptcy to stop the creditors from harassing you. Chapter 13 is a good option, as it provides a formal structure with deadlines in helping you keep up with your intentions.

To learn more about bankruptcy chapters, it is best to talk to a professional. A reliable bankruptcy attorney will help determine which Chapter will work best for you.