Mindmapping, concept mapping in 3D Funding Circle - Invest in UK businesses and earn a great interest rate - Peer to Peer lending This estimated return is your return after fees and bad debt, but before tax. This calculation takes your bid rate and deducts the 1% annual investor fee and estimated bad debts for this risk band (based on a fully diversified portfolio lending to all businesses within that risk band). Annualised, estimated bad debts by risk band are: A+ = 0.6% (ie, each year we expect 0.6% of all loans to A+ businesses to become bad debts) A = 1.5% B = 2.3% C = 3.3% C- = 5% These estimates are provided as a guide only. The No-Hour Workweek: Reinventing Employee Expectations For The Modern Economy A University of Southern California researcher, Alexandra Michel, recently reported on the disastrous effects of the highly stressful work environment of investment banking, citing insomnia, alcoholism, heart palpitations, eating disorders, and explosive tempers among the health hazards of the job. These toxic working habits are not sustainable for the individual or the company. Nor, evidently, do they produce good business practices. The poster child of bad corporate culture, banks may be the worst culprit, but they’re not the only ones fostering negative working environments. What is a Good Job? There’s a noticeable shift in what people value most in their careers. Is the old adage that there’s more to life than money finally sinking in? Because that’s not going to happen, HR departments are considering dozens of ways to make their people happier and healthier, shorter working weeks, unlimited vacation days, uplifting working environments, and new policies to address core needs.
Born to Learn ~ Home Can Businesses Actually Make The World Better While Making Money? When we think of businesses acting in the community, several images may come to mind: fundraising in the office for a charity, colleagues getting active with a day out volunteering or pro-bono services, or maybe a product line that ties sales to giving something to those in need. Increasingly, however, today’s corporate leaders think their social action should become less about "giving" and more about "acting"--moving corporate activity into what was previously firmly charity or government turf. A delivery service can use its infrastructure to transport goods for purchase, as well as to link up with charities and rural delivery systems to create a new network for delivering supplies for medical relief. While a stunning statistic on its face, in a sense it is not surprising that business leaders have moved towards thinking they can best contribute to social change through applying what they do best to the problem. The idea has gone mainstream. So how do businesses begin to go about this?