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READ MOREIn addition to fire, another technology was key in allowing the migration of humans from the “cradle of life” in Africa to virtually all corners of the globe: clothing. In our naked form humans are not that impressive to look at, relatively weak (compared to most large mammals) and pretty much devoid of insulation in […]
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READ MOREThe support and stability of the upper body is made possible by the spine which is composed of a series of bones (known as vertebrae) and nerves within the spinal canal. Damage on the spine and the spinal canal results in spinal stenosis, a condition characterised by the narrowing of the spinal canal resulting in […]
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READ MOREGuanxi This is something in China that they called “Guanxi” and basically its major relationships and everything there and the whole theory of this is that the way the do business is based on relationships. Call calling will never ever, ever work in a thousands years in China because the boss, the decision maker you need […]
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READ MOREHow your credit score affects your business A credit score is a numerical expression based on a level of analysis of an individuals and company’s credit history which is used by lenders to determine creditworthiness and serviceability of a loan. The higher the credit score, the better chance a lender would be willing to provide […]
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READ MOREPeople usually take a returned check (NSF) lightly but it is an unlawful act that can sometimes even attract civil or criminal penalties. In a civil penalty the total amount that has to be paid back to the recipient along with any fee or charges that he or she suffered are decided. However, in case […]
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READ MORE“You need to keep as many people as possible in their houses so that they don’t come onto the market. You need to arrest the decline in house prices, but you also need to prevent human suffering and social disruption because it’s going to be very, very severe.” Billionaire investor George Soros on the US […]
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As many finance company readers will know, I have conducted an ongoing argument with the Commerce Commission on the issue of full prepayment fees under the Credit Contracts and Consumer Finance Act. Essentially I have advised my clients that they could charge prepayment fees exactly in the manner which Professor Bowman recommended and the court […]
