Adobe Came Up With Something For the Non-professional to Do the Design Job–Creative Cloud Express.

Adobe recently released Creative Cloud Express, a Creative tool for people and promises to make graphic design easy for anyone.

How friendly is this tool for people? When you are waiting for a bus on the road, you can take out your phone to do design anytime and anywhere.

Does the picture sound like a beautiful picture?

Taken together, Creative Cloud Express is a premium version of Meituxiu, with similar functionality and free combinations of design elements.

Still, Creative Cloud Express is a solid design software, with far more features than Meitu. Not only does it compare the richness of the left and right toolbars, but it also has a huge library of templates, which overwhelms many basic photo editing tools.

Whether it is designing business cards, making posters and flyers, or even personal resumes, there are templates that can be used. Template types basically cover all the use scenarios of graphic design.

Templates can be used freely. You can not only change the text and texture inside, but also adjust the background and overall size. If you want, you can remove the complete template into a blank canvas and rearrange it.

Use the minimum threshold to be able to type on the line, change the text content can do a usable design out.

No wonder Adobe took the leap to design in one step, since there are standard answers to refer to and no one can copy the answers.

Adobe has even put out a promo that demonstrates all the tricks of the trade.t.

Photoshop flyers require creating a new blank canvas, but with Creative Cloud Express it’s much easier to just pick one from the template library and use it.

This, Fine, Now, My ▼

Change the text, pick a favorite tile and decorate it, and now this flyer should be ready to print.

However, copy the template of his work in private with a good, sent to the Internet will have to consider the possibility of collision with others.

Want to reduce repetition rates? Just change the background, the layout, the fonts, the colors.

Like this, a different background and color scheme beats 80 percent of the face-blind contestants.

Adjust the text effects and add background effects, and the same template will soon have a second face.

If you want to change but do not know how to change the situation, try the lower right corner of the blind box operation, can randomly drop stamps in your aesthetic design.

Going back to the original template, I used it, but it didn’t seem to work.

Creative Cloud Express is a simpleton design software for amateurs with design needs. It simplifies the design process from scratch to a piece-and-replace game. Just a few simple steps, walking on the road time can incidentally change a piece of work out.

Looking at the endless templates in this app, I’m sure it’s the Gospel of lazy salvation.

Each template in the library has set a full set of design parameters, no need to adjust one by one, directly use the preset data package.

For example, color scheme this one, there are a lot of matching good color package available, do not worry about flying in the color plate to match some dazzling colors, closed eyes will not step on the pit.

In addition to using the app’s in-app art library for design and matching, users can also select their own art through Adobe Stock or upload custom art through local albums.

The software even supports one click to remove the background, eliminating the need to preprocess the material.

This isn’t the first time Adobe has failed designers. A few years ago, it launched Adobe Spark, a foolproof tool that uses the same template to make posters with just a few words.

Creative Cloud Express builds on Adobe Spark with photoshop, PR, and Acrobat shortcuts, and expands and optimise the template library. Supported by Cloud services, the volume of Creative Cloud Express material is substantial.

Like Adobe Spark, the Creative Cloud Express template library is divided into free generic materials and VIP materials to meet the needs of different users.

Whether you download it and install it on your phone and tablet, or log in directly from the web, you can sync your design project at any time, completely regardless of device limitations.

Why Choose Sidecar Health

Sidecar Health is an alternative health insurance program administration service that reinvents health insurance as a modern, personalized, accessible, and affordable experience.

Sidecar Health, founded in 2018, offers low-cost health insurance plans online. Unlike traditional health insurance, which is typically provided by employers, Sidecar offers healthcare solutions that are also freelancer-friendly. It provides coverage ranging from $5,000 to $2,000,000.

Plan terms are either one or three years, with the three-year option locking in your premium rates. Customers can easily customize and personalize their plans to meet their specific needs, such as adjusting deductibles and adding additional coverage for things like prescription drugs. Because of this customization, its rates are much lower than those of traditional plans.

Once approved, you will receive your Sidecar Health payment card, which is a debit card used to pay your medical bills. This is why there are no networks; it allows you to see any doctor you want because you are viewed by medical services as a self-paying customer, who is often charged lower fees.

Sidecar does not participate in the ACA plans and instead provides health insurance through third-party providers, United States Fire Insurance Company and Sirius America Insurance Company. If you don’t have any pre-existing conditions and are in good health, Sidecar will save you a lot of money, with first-rate coverage and service!

Great Software Every Business Needs

Jobber is one of the big players in the field service management software field, and it shows. Their desktop offering is comprehensive enough to satisfy managers, and the jobber app streamlined enough to help field technicians.

That may sound counter-intuitive, but it’s actually the mark of vision on behalf of Jobber’s product design. It suggests that Jobber is able to distinguish between the needs of different people doing different things with their software.

I have used previous web-based billing software in the past & they couldn’t touch Jobber’s product in ease of use, mobility, & customer service. Jobber is very easy to use & navigate. It’s step-by-step job creation to billing has shaved tons of time off of my daily billing. The load times are blazing fast too. The mobility aspect of Jobber was the main reason why I tried Jobber over a year ago. Jobber has a mobile version of their site that is optimized for smartphones & tablets so you can use it while you are in the field working. Finally, Jobber’s customer service is astounding! The Jobber staff will often answer any questions you have within an hour, even after work-hours sometimes. Since Jobber is always being improved and further developed, they often fix and resolve any glitches within minutes. They are always adding new features to Jobber, many of which customers have suggested. They keep their customers informed of their improvements through blog posts & e-mail newsletters.

The best thing Jobber does for me is save time. Jobber is an awesome tool for scheduling, invoicing and record keeping, and can be accessed from virtually anywhere! I can process invoices and record payments in just a few hours instead of a few days! The Jobber team provides amazing customer service, and the software is improving all the time. After a 3 year long search I am very happy to have found such a quality package, do yourself a favor and try it out

The Best Email Marketing Tool- Sendinblue

What is Sendinblue?

Sendinblue is the best all-in-one tool for Small Businesses : Marketing Automation, Email Campaigns, Transactional Emails and SMS. You can easily increase your sales and nurture your contacts using target workflows and our scoring feature. It only takes 5 min to implement your Welcome Email or Abandoned Cart Workflows. We offer many plugins such as WordPress, Magento, Salesforce and Woocommerce. Send 9,000 emails / month for free, and up to 10,000 emails for only $25/month.

I’ve been doing email-centric marketing for years, and the game has changed over the last few years. If you’re looking to move from an old-school platform like Mailchimp to a proper (email-centric, web-tracking) marketing automation platform, you’re typically looking at expensive options (Marketo/Pardot/Hubspot/Eloqua). SendinBlue is more in line with a platform like Active Campaign, and while perhaps not as mature/feature-full, it is incredibly affordable for what it offers.

Fantastic contact management/filtering/segmentation Modern web-tracking/lead-scoring capabilities Modern marketing automation capabilities. Great free tier Marketing Automation tool with many types of workflows Great limit to send e-mail marketing and transactional emails Nice plugins for WordPress Easy to make e-mail templates and preview then with many options Connection with other tools using API Simple API with many functions JS to automation easy to setup Great support (even in portuguese)

I highly recommend it, feel free to have a try here:

The Best Marketing Tool

Best Job Boards-Zip recruiter

Zip recruiter is one of the most popular job board for job seekers nowadays, which makes it a great platform for recruiters to source for qualified candidates for job openings. It’s simple to use and has a user friendly interface makes it a lot more easier to use. My husband and I own a business and we recently were ready to hire someone for our front counter help and I instantly thought of Zip Recruiter to put my opening job on. I was very happy that it wasn’t up for long and it got many views and we got quite a few resumes, so I am very pleased with the outcome. I love how easy it was to set up a job description and maneuver through the site to put in what I needed for my open position. I could easily edit the job description at any time and track how many hits my opening received. The ability to comb through resumes efficiently was great. Within 15 minutes of creating a job post, we had a list of 12 candidates who were more than qualified for the position.

 I highly recommend Zip Recruiter for both hiring and getting hired. This is a simple and straight forward for both. As far as using this to hire employees it is competitive on pricing and had some high quality applicants. We used this to hire an office admin and a developer. I can’t remember what we paid but I want to say it was one of the cheapest job recruitment companies. We received over 200 applicants for the office admin position. It is a simple process of scanning through applicants. You can mark the ones you are interested in and the ones you are not. I was able to find a job on Zip Recruiter from a high quality employer. Finding a job is pretty easy and straight forward. You can search companies, titles, roles, etc. You can be notified by jobs you might be interested in. Once you upload your resume and update your profile most of the jobs you can apply with a one click process. The application for IOS and Android is one of the best things about this. It was simple to use to scan through all of the applicants and useful to be able to do it anywhere. Looking for jobs on the app was clear and straightforward. It is a clean and well developed app.

Ziprecruiter is one of the most comprehensive and if not a all in one solution to your recruiting needs. It allows you to search and keep track of all candidates that you are currently working on and has worked on in the past. ZipRecruiter also offers a wide array of coverage in terms of industries.

Everything I tested was responsive and worked as expected. Would I recommend? If you are in need of employment or employees in the technology fields that ZipRecruiter focuses on the ZipRecruiter is a valid and capable choice. It has a clean design and doesn’t get tiresome after putting in hours for you job/hiring search.It has a very simple layout/design and intuitive user interfaces. Black, white, and pops of green keeps your attention focused on the information at hand. On the aspiring employee’s side of things it is fast and looks clean. The focus on the technology-based fields was what drove me to choose Ziprecruiter. The specialization makes things either on both sides of the equation, in my opinion. Job seekers have fewer listings to sift through with a high percentage of relevancy, whereas, the employers receive applicants experienced in their field. This system helped us expand our net for potential candidates. We have multiple warehouses across the country and are looking to fill positions at each. Having the visibility that ZipRecruiter provides for our postings gives us a better chance of finding a qualified candidate.

There we have to look at hundreds of resumes a day and this provided a good pool but sometimes it got repetitive. We had one account but many that could post positions and we could switch and alternate if we maxed it out. I found to be a good tool to source and post positions and get traction with candidates. It just depends on the audience you are working with that you need to keep in mind.I liked that I could “peruse” at a resume without having to open it or click on it, so that made scrolling thru them much faster.ZipRecruiter does the work of a team of HR Specialists. It organizes, filters and captures information so that the HR Dept can best place its candidates for open positions. Its ability to organize and share job descriptions makes it definitely worthwhile.

This platform is an excellent entry level tool and affordable with several price-points to suit your company’s needs. They also have an excellent free trial month so you can see what you get. They use (as far as I can tell based on their marketing) an aggregate model where their ad goes to several other sites so you get a decent bang for your buck. I’ve noticed a lot of marketing on TV and radio lately too, so they are becoming a more household name. If your recruiting/HR sourcing needs feature positions that are standard/generalized but may require some additional exposure, this is a good method with an intuitive platform for posting. However, if you are looking for a new sourcing tool to reach hard to fill positions such as physician recruitment, top tier IT professionals, etc., this will likely disappoint. It is a great product for a recruiting team that isn’t a specialty staffing firm and just needs a resource that is cheaper than Careerbuilder/Monster/Indeed paid model. The free trial software and aggregate method of this software lets you test it out before committing. They are confident in their product. It is easy/intuitive to use.

The layout was beautifully done and very user friendly! It was easy to navigate between resumes and the different job postings that I have posted. There are a slew of options to create projects or separate lists so you can save candidates where needed. It also provides you statistics of your job posting/applications. The sales contact I had was super helpful and not pushy at all. I recommend it to everyone!

The free trial link is here, you can have a try 

ZipRecruiter review

With the general postponement of offline public recruitment services, corporate online recruitment has shifted to the front line. Online recruitment platforms have become the main source for companies to obtain talent information. In-depth use of recruitment platform channels has enable HR to improve recruitment efficiency during the epidemic. There are many recruitment platforms on the market. For HR, these platforms are similar in their usage habits. In addition to the number of resumes on the platform, HR also values the high matching, high recommendation and high feedback rate of the platform. Therefore, whether the platform is easy to use is mainly based on the activeness of job seekers on the platform, High-quality talent resumes, job review delivery volume, talent matching, communication feedback rate, and recruitment safety under the current epidemic, mufti-dimensional matching and communication can truly improve HR recruitment efficiency.

  I came across ZipRecruiter when I started to hunt jobs and it gave me a pleasant experience, and I finally got the a job from that. I want to share my experience with you.

  First, about ZipRecruiter, ZipRecruiter is a leading online employment marketplace that leverages Artificial Intelligence (AI)-powered smart matching technology to actively connect millions of employers and job seekers.They have over 700 employees in the U.S., Canada, the U.K. and Israel. Their  headquarters is located in Santa Monica, California. Since our inception in 2010, we’ve helped over 1.8 million businesses of all sizes (from SMBs to Fortune 500 companies) find great candidates. ZipRecruiter are rated #1 by employers in the U.S. 80% of employers who post a job on ZipRecruiter get a quality candidate within the first day. Over 25 million job seekers come to their site on average each month. Every day, 9 million active job postings are available to search. They have the #1 rated job search app on Android and iOS. ZipRecruiter is one of the leading job posting and enrolling site on the globe. Managers of all size organizations utilize this site to connect with job applicants and fill vacant positions.

Ziprecruiter made it fast and easy to apply to multiple positions within minutes. You could applied as many positions as you want on the site and heard from a few of the employers. Whenever an employer contacted me to set up a phone screening or in person interview, I made an effort to read reviews of the company on sites like glassdoor and others that would come up when I googled “Company X reviews” before accepting the interview. Ziprecruiter contains many communication method, including message, call requests, skype requests, and interview requirements. ZipRecruiter makes it easy to apply to many jobs with their Quick Apply button, there is not a better way to find a new job.The best part about ZipRecruiter is that as an applicant you feel like your application is not being missed and is going out to all the right places.

It’s easy to get your information in and get set up to start searching and applying for jobs you are interested in.

Overall I’ve gotten jobs within a week from Ziprecruiter that pays good money. I moved from NC to Maryland and I needed to find work and they solved that issue so quick I love zip recruiter and they helped me build a resume’ with little experience. You can even download the resume’ put it on other websites if you need to. I definately recommend this platform. I got like 7 jobs that called me back in less than a week! And I only put in 20 mins of work applying you cant beat that at all! Despite the scams it’s really good to use. Just look up the companies on the Better Business Bureau and ask for their Employee ID # if it’s a company you don’t recognize or know. Simple gestures on your part can clearly override that part until they fix the Employers that can use there site.

I LOVE LOVE how easy it is to use. You can upload a resume’ or create a profile on their system with ease. They have easy 1 click skills you can add to your resume’ that makes you stand out. Even if you not that good with Resume’s this platform will make you seem like you been doing them all your life. They have customized searching and geographic job searching you can even pick the mile radius on where your looking for work. So if I wanted a job with 5 miles of my home I can refine the search and BOOM it will only pull up jobs within a 5 mile radius. I absolutely LOVE that feature because I take care of my grandma and grandfather so I need to stay close by to the house. They require ALOT of my time so I dont have hours and hours to fill out applications. Zip Recruiter has taken that into account for you with 1-Click Applies. You just refine the search to 1-Click Applies only. And I’m telling you! I applies to like 30 jobs in less than 20 mins. It’s so amazing. I mean like it’s almost genius honestly. They automatically send your resume’ to companies effortlessly. Some job require additional questions but they are quick and easy to do. And that’s not all the companies respond to you quickly I’m talking same day sometimes. By the end of a week I’m trying t to choose which job I wanna pick which interviews to go to on. You can customize the type of jobs you want. It’s like job applicator heaven. They send confirmation emails so you can keep track of where your applying. Great app that has helped me generate and secure some good interviews and opportunities.It helps you to reach a more broader spectrum of opportunities jobwise.

  I find ZipRecruiter to be a very valuable tool for anyone looking for a job and I highly recommend it to anyone! Take advantage of the awesome promotions they run from time to time and you will not be disappointed!

The free trial link is here, you can have a try 

ZipRecruiter vs. Indeed

Covid 19 spread across the country, and the traditional peak season for job-hopping after the holiday is coming. The original job search and recruitment plans were disrupted by the disease, and job seekers and corporate HR became more anxious.

 After the resumption of work, companies will also start recruiting. However, due to the tight budget and the delay of offline job fairs under the epidemic situation, how should HR, which is the key to the input of corporate talents. I think choosing the right recruitment platform is very important!

We did an experiment and chose ZipRecruiter and Indeed as example. After a week of free use, we summarize the use of the platforms and the results of recruitment.

Comprehensive analysis of recruitment platform

The positioning of companies affiliated to the recruitment platform also affects the characteristics of talents on the platform. Comprehensive recruitment companies recruit more talents, senior talents gather in senior companies, and specialized talents gather in vertical companies.

 ZipRecruiter is a leading online employment marketplace that leverages Artificial Intelligence (AI)-powered smart matching technology to actively connect millions of employers and job seekers.They have over 700 employees in the U.S., Canada, the U.K. and Israel. Their  headquarters is located in Santa Monica, California. Since our inception in 2010, we’ve helped over 1.8 million businesses of all sizes (from SMBs to Fortune 500 companies) find great candidates. ZipRecruiter are rated #1 by employers in the U.S. 80% of employers who post a job on ZipRecruiter get a quality candidate within the first day. Over 25 million job seekers come to their site on average each month. Every day, 9 million active job postings are available to search

They have the #1 rated job search app on Android and iOS.

Indeed is an American worldwide employment website for job listings launched in November 2004. It is a subsidiary of Japan’s Recruit Co. Ltd. and is co-headquartered in Austin, Texas and Stamford, Connecticut with additional offices around the world. .

Online communication analysis

On the new ways of online recruitment, Ziprecruiter is at the forefront of the industry, and Indeed needs to be strengthened.

The widespread use of social tools has gradually changed the way people communicate, and online communication and interviews have gradually been accepted by the public. Especially during the current epidemic, online interviews have become more popular.

The selection of suitable resumes only completes the “small step” of recruitment, and further communication is needed to achieve the wishes of both parties. At present, online communication methods can be used on the PC and mobile terminals on the four major platforms, but the ease of use is different.

  1. From the perspective of online communication functions, Ziprecruiter contains many communication method, including message, call requests, skype requests, and interview requirements. Indeed communication lacks most of the commonly used method. It can only send text communication and send interview notices, and it is limited to 50 times a week, and the number of free communication is relatively small.

2. The efficient communication is the key, if the job seeker responds after three days, this will make HR really anxious. Through online communication with 100 people on Ziprecruiter and Indeed, Indeed can only select 50 people to communicate online due to restrictions. After counting the message response rate within 3 days, it is found that the response rate exceeded 50% for Ziprecruiter and there was a significant increase in responses in the next two days. The high feedback rate also reflects the higher user activity and the more effective resume on the platform;

The response rate of  Indeed was relatively low on the same day, and there was no significant increase in the next two days.

3.Online interviews during the epidemic are the greatest protection and respect for job seekers. Affected by the epidemic, job seekers and corporate HRs appear to be more anxious. Originally, New year recruitment was a critical period for rapid recruitment and rapid employment. Now due to the epidemic, there is even more shortage of manpower.

Offline interviewers have poor traffic and worry about virus infection. Fortunately, the voice interview and video interview functions don’t have to wear a mask in the offline interview to be silly and unclear. It also lets the friends who are still in the quarantine seems to find a new way of job hunting.

At present, only ZipRecruiters support both PC and mobile voice and video interview functions.

The interview of ZipRecruitment can actively choose to mute and turn off video screen, which can avoid embarrassing scenes in the interview process.

4 Analysis of platform ease of use. First of all, searching by position is an indispensable function for HR to search for positions, which can reduce unnecessary repetitive input. ZipRecruiters direct employment have set this function, but Indeed does not have this feature. Through the analysis of working years, study and salary matching degree, overall, ZipRecruiters has the highest matching degree by job search.

Secondly, in terms of platform, the ZipRecruitersAPP can invite the employing manager to join with one click, and can forward resumes and synchronize communication records to  email with one click, which reduces the cost of internal communication. 

Resume recommendation analysis

How to choose from recommended resume ? The most direct judgment condition should be to analyze from the working years, academic qualifications and salary matching.

  1. Matching degree of working years;According to the recruitment needs, the working life is required to be 3-5 years. Through the analysis of recommended resumes, ZipRecruiters recruits the largest proportion of meeting the requirements, which is 48.74%. And Indeed 33.97%. In summary, ZipRecruiters has the highest matching accuracy rate in terms of working years.
  2. Degree of matching of academic qualifications
  3. From the perspective of educational distribution, the resumes recommended by ZipRecruiters and Indeed all beyond bachelor’s degree, with an accuracy rate of 100%.
  4. Salary matching

Salary is generally considered as a key consideration in recruitment, and the degree of matching is often a prerequisite for further interviews. Through the analysis of whether the expected salary range in the recommended resume and the salary range of the recruitment position overlap,  ZipRecruiters has the highest overlap rate of 55.98%, and Indeed is 36.67%.

From the perspective of comprehensive experience, working years, learning and salary matching, ZipRecruiters ranks first in terms of working years and academic qualifications.

The free trial link is here, you can have a try 

Calculate the interest rate on a payday loan

how do you calculate the interest rate on a payday loan,a payday loan generally refers to a short-term loan of $1,500 or less with a term of 62 days or less,normally when you borrow money save for using a credit card or for your mortgage, the interest rate you are being charged

is known. For example, if you were borrowing money to buy your first house at the beginning of 2015, you probably know you could get an interest rate of less than 3%, you might clearly know that your credit card provider charges a fixed annual interest rate of say 19 percent but payday loans are advertised a little differently. Instead of telling you the  rate first they tell you the dollar amount of borrowing for example it’s common to see ads that will say borrow three hundred dollars for two weeks for 69 dollars what you might not realize is that a cost of borrowing three hundred dollars for two weeks for 69 dollars is the equivalent of a five hundred ninety nine point six four percent interest rate. Here’s how to figure that rate out take the cost of borrowing sixty nine dollars and divide that by the amount borrowed three hundred dollars this

gives you the interest rate for the period of the loan, this simple interest rate is twenty three percent. now you have to convert that into a simple annual rate, payday loans are not allowed

to be compounded continually to do that, we have to figure out how many of these two-week periods fit into a year. Your first instinct is to think well, there are 52 weeks in a year so that’s 26 two week periods multiply 23 percent per two-week period by 26 to get 598 percent, but that’s not actually the exact formula used, non-leap years have 365 days but note that 52 weeks multiplied by seven days per week is three hundred and sixty four so the exact formula,requires using a more precise number to figure out how many two-week periods there are in a year we divide 365 days by 14 days to get 26 point zero seven one four we then multiply this by theinterest rate for two weeks of 23% to get a simple annual percentage rate of ninety nine point six four percent let’s see another example. let’s say you were borrowing two hundred dollars with a cost of borrowing of forty four dollars and you’re only borrowing for ten days, the rate for the period is forty four dollars divided by two hundred dollars or twenty two percent, the period is ten days to figure out the simple annual percentage rate we need to multiply 22 percent per ten days by the number of ten day periods in a year which is given by 365 days divided by ten days or

thirty six point five now we simply take, 22 percent and multiply by thirty six point five this gives us a simple annual percentage rate of eight hundred and three percent, so borrowing two hundred dollars for forty four dollars over ten days has an annual percentage rate of eight hundred and three percent and now you know how to calculate the annual Interest rate equivalent on a short-term

Payday Loans — And How to Fix Them

This is Jennifer, She took at 375 dollar payday loan to cover some bills,but it ended up ruining her budget and she’s not the only one.12 million Americans use payday loans every year.It’s not hard to see why people like Jennifer are drawn to pay day loans.They look like two-week loans for a fixed fee of fifty-five dollars,but they’re not.Unlike other types of loans, payday loanshave to be paid backall at once which is hard to do iyou’re struggling to make ends meet.Instead, Jennifer pays a fee to buy more time.The reality is that instead of two weeks typical borrowers carry loans for half the yearand spend more in fees in the amount they borrow.8 in 10 borrowers want payday loan reform and policymakers can put it in place. The Consumer Financial Protection Bureau the new referee for payday lenders can fix this problem. A strong ability to repay rule from the CFPB should allow borrowers to make smaller payments over more time. Today, these loans take about a third of the average borrowers pay check and that’s just too much. Research shows most borrowers can afford to spend no more than five percent of their paycheck on their loan payments. In Jennifer’s case she can still get her 375 dollar loan and by limiting payments to five percent of her income she would pay only sixty dollars and each paycheck instead of having to repay four hundred thirty dollars all at once. This will mean that loans have smaller more manageable payments that fit in a borrower’s budgets making for a more affordable and predictable path out of debt. It’s also important for states to rein in excessive interest rates. These changes, plus a few common-sense safeguards have already been tried with success. In Colorado, lawmakers cut prices by two-thirds and gave borrowers  more time to pay their loans

in smaller installments. Now the loans work as advertised. Borrowers missed fewer payments and saved more than forty million dollars a year while some payday stores in Colorado closed those that remain serve more customers. Loans are still widely available and accessible,but work better. The point is, here’s a solution:a better small loan market is possible with lower pricesand more time to repay in affordable installments. Policymakers at all levels need to actnow to help borrowers like Jennifer get back on solid financial ground.

Financial statements and financial indicators

Financial statements and financial indicators are the indicators to the performance and summary of the company. Through analyzing the financial reports and indicators, Managers can spot the weakness of company and then improve it. For investors, the value of the investment is reflected on the price of the share. Long term speaking, the good performance of the company can increase the price of the share. This report is going to analyze the financial condition of Hotel Holiday Garden with its financial statements and financial indicators.

The Leofoo Development Co. Ltd. is employed here as a bench mark to help in analyzing the Hotel Holiday Garden Company for it is in the same hotel industry. This report will analyze the financial indicators of Hotel Holiday Garden for the year period of 2012, 2013 and 2014 to see its own performance and trends. Then it will be compared to the financial indicators of Leofoo Development Co. Ltd. to have a horizontally comparison in terms of performance.

For liquidity risk of Hotel Holiday Garden, from 2012 to 2014, current ration and quick ration has been keep declining. Both of them have dropped to 0.93 in 2014 from 2.39 in 2012. The working capital also has been declining. This trend shows that the use efficiency of money has been increasing. While it also shows that there is high risk of not being able to pay debt. When compared to Leofoo, the current ratio and quick ratio are at the same level as Leofoo. This may explain that the liquidity risk in hotel industry is relatively high. Still it is recommended that the manager pays some attention to the liquidity risk by increasing current asset in case any unexpected situations.

In terms of turnover ratios of Hotel Holiday Garden, inventory turnover ratio have been increasing from 5.51 to 7.04. This is a good trend. The higher the inventory here, the quicker the inventory turn into current. In this way, it can increase the use efficiency of money and lower the risk of liquidity risk. When compared to Leofoo whose inventory turnover ratio is 4.75, the turnover ratio of Hotel Holiday Garden is much higher which may indicates that the inventory turnover is in the good condition. The asset turnover ratio remains at the same level from 2012 to 2014. When compared to Leofoo, they are both at 0.28. This indicator is pretty low which means that sales capacity is not good enough. The turnover of total asset is too low. The manager should consider use the asset more efficiently to increase the asset turnover ratio.

The solvency ratios of Hotel Holiday Garden remains at a stable level in general from 2012 to 2014. The debt ratio stays at 0.55. The debt to equity ratio has a slightly increase from 1.07 in 2012 to 1.23 in 2014. These two ration are at normal level. The times interest earned has a little decaling from 12.60 in 2012 to 10.75 in 2014. Plus the times interest earned is only 4.39 which may indicate that the ability of paying interests of Holiday Garden is good compared to the industry. It is still at a manageable level and wouldn’t impair the company’s ability to pay debt.  It is recommended that the company borrow more money to fund investment. The managers can take the advantage of financial leverage to generate more profit for the company. The debt ratio and debt to equity ratio of Leofoo is 0.52 and 1.07. The solvency ratios of Hotel Holiday Garden is at normal level in the industry.

The P/E ratio of Hotel Holiday Garden has been declined abruptly from 48.05 in 2013 to 25.82 in 2014. The manager should look into this and figure out the reason behind it. Compared to Leofoo Development Co. Ltd., the P/E ratio of Leofoo is 27.14 which is a little better than Hotel Holiday Garden but basically they are at the same level.

From the financial ratio above, it is recommended that Hotel Holiday Garden could invest in more projects since its internal performance looks well. There is not much room for improvement internally. Make more investment would be much helpful to generate profit.

In conclusion, the finance condition of Hotel Holiday Garden is good. There is no risk foreseen that the company cannot handle and it performs a little better than its peer company in some aspects. It is recommended to take a more aggressive position to make more investment, but at the same time manage liquidity risk.