“Black and Latino businesses are denied credit by banks at a higher rate than white-owned businesses , so they go to alternative financial products offering easy, fast financing,” said Stebbins. The problem is the advances aren’t regulated by the government and the fees, penalties and rates aren’t subject to any oversight. In addition, the terms of the advance aren’t always clearly outlined and the total amount owed — including the hefty fees and charges that are tacked on top of the initial advance — isn’t usually expressed as an annual percentage rate. “They may not know what they’re getting into because those providers aren’t required to disclose their terms,” said Stebbins. Related: America is missing out on a $1.4 trillion Latino business opportunity Another problem: After a business owner takes out one advance, they are often bombarded with offers for more. In early 2015, Chicago Mayor Rahm Emanuel denouncing the merchant cash advances in a press release, noting that providers have “accelerated their marketing efforts, resulting in numerous small businesses taking loans they cannot afford.” The city has also unveiled two city-sponsored lending alternatives for community businesses. Terry Baggett, an African-American entrepreneur who owns Chicago-Springfield Insurance in the city’s Humbolt Park over here neighborhood, where his family has operated for 50 years, took out a $12,000 merchant cash advance for the first time last year. Since he took out the advance, he’s been getting calls pitching new advances every day. “They’re throwing money at me,” he said. “One guy from Coconut Funding said I could buy a boat with it.” CNNMoney reached out to Honolulu-based Coconut Funding . A man who identified himself as the company president declined to comment for this story.
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Responsibility for Outcomes and Results — 33% responded “High responsibility.” I generally prefer to attend class but due to my schedule this was not possible. Social Perceptiveness — Being aware of others’ reactions and understanding why they react as they do. It was amazing!” Debbie McCauley, Dothan, Alabama “This was the best course I’ve ever taken in my life, as it relates to strategies and skills necessary to help ELLs to understand and become proficient in English. Training and development specialists help plan, conduct, and administer programs that train employees and improve their skills and knowledge. Direct structured learning experiences. Speaking skills. on-line Basic Certification Training includes two face-to-face support days Each on-line training consists of on-line content modules and two in-person, face-to-face meetings with EST trainers.
Management consultants are in a prime position to introduce corporate sustainability to companies and governments worldwide. They advise on ways to reduce client costs, add value to clients’ operations, and increase client competitiveness – both of which can be achieved by employing corporate sustainability within corporations. For instance, A.T. Sustainability consultancies are equipped to provide advice on a range of these crucial factors that will make a sustainability agenda work. And that’s something consultants are in a prime position to advise on. According to the Economist, 55% of the world’s leading companies have policies to reduce energy consumption but 86% home of those companies lack the capability to measure and report interview skills checklist on their carbon footprint. This requires a long-term approach to sustainability activities. Although it should be noted that established consulting firms have much bigger budges and greater resources to develop their sustainability practices. Who knows, perhaps a goal of carbon neutrality may bring some balance between consultants’ work and life.