The historic capital city of Vienna in Austria is famed for its architectural beauty and is known as one of the most ‘liveable’ cities in the world, according to the Economist Intelligence Unit’s (EIU) 2013 Global Liveability Survey. It is also, however, an arts hub, with three art galleries located just within the city’s Museumsquartier.Leopold MuseumThe Leopold Museum is home to one of the largest collections of modern Austrian art in the world. The main works within the museum were produced in the first half of the 20th century and include examples from prominent artists such as Egon Schiele and Gustav Klimt.The museum is also known to hold the largest collection of works by Schiele – a major figurative painter in the 20th century. Schiele was a protégé of Klimt and his paintings are seen as an example of early Expressionism, due to the twisted body shapes that characterise his work.Kunsthalle WienThis centre is a must on any visit to Vienna; only ever made up of temporary exhibitions, you never know what great works you may find here. Displaying pieces by local, national and international artists, it has a truly worldwide presence in the arts scene.This gallery has two locations: one in the Museumsquartier, alongside the other prominent galleries of the city, and the other at its original site of Karlsplatz, where the museum began life as a temporary structure that went on to influence the local art scene in Vienna.MUMOKThe Museum Moderner Kunst, meaning the Museum of Modern Art in English, holds a vast collection of 20th and 21st century art including the likes of pop artists Andy Warhol and Roy Lichtenstein, as well as some renowned works by the likes of Pablo Picasso.Its collection signifies its Pop Art and Photorealist focus and is indebted to its support from the Ludwig Foundation, which donated 230 art works to the museum in the name of the foundation’s namesake, Peter Ludwig, a German industrialist and art collector.The museum sees itself as a very public institution and looks to represent current political and social issues whilst engaging with its patrons. MUMOK is also Austria’s largest museum and looks to make the connection between art history and current art creation through its displays and exhibitions, providing a truly educational facility whilst challenging its visitors.The Museumsquartier in Vienna provides a well rounded experience of both national and international art that both aficionados and the general public would enjoy and learn from.
Indulge Your Inner Art Critic in Vienna
Resume References Can Make You Or Break You!
Excellent References are Important In these tough economic times, employers are seeking ways to cut their risks. Right now as a job applicant you represent a potential risk to them. They could hire you and spend time and money training you only to find out that you are either unable to do the job well or have a fatal character flaw that interferes with your job performance. An employer needs to know that you are who you say you are. An effective way to accomplish that is through utilizing your references.Consider this: You are one of two hundred people that are applying to an employer with one job opening. The employer has specified exactly the skills, experience, and education that they are looking for. They do not have time to interview all two hundred people, so they start to review who meets all the requirements needed to perform the job.Out of two hundred people, twenty of those people meet all the employers’ requirements of skill, experience, and education. Because you filled out your application well and submitted a resume targeting how you meet the specific skills and experience requirements of the job, you are one of the twenty in the pool of candidates being considered. You have the same types of skills, experience, and education as the other 19 candidates.Now that the employer has narrowed down the pool to 20 people, they start the interview process. You interview well, have sent a thank you note for the interview, and have been asked to return for a second interview. The employer has narrowed the pool of candidates down to 4 people; 3 other people are coming in for a second interview as well. What is going to set you apart from the other 3 people?The answer is your excellent references! So choose well who you use for a reference; that person can make or break your job search efforts! For more information on resume references, check out my website listed below!
Student Loans With Bad Credit: Options to Consider Before Applying
College life is not the same as the image presented in movies. The cliché has it that the college experience is all parties, midday wake-up calls and missed tutorials. But the truth is that students spend countless hours worrying over whether their application for a student loan with bad credit will be approved.For many students, financial woes play a bigger part in everyday life at university than studies, since it is only by securing loan approval that they can actually pay the school and graduate to start on their career.But how can a student loan be secured in the first place? And is bad credit the killer of applications that we are led to believe? There is a variety of financial options to choose from, but there are just as many factors that should be considered before submitting an application.Loan Options to Choose FromTraditional lenders are not the only source of student loans with bad credit. In fact, with public and private lending options to choose from, funding specifically to finance a college degree is quite accessible. The advantages and disadvantages of a loan depends on which lender granted it.For example, a public lender usually means the federal government, from which student loans are available at the lowest interest rates. Government is happy enough to foot the bill for college-goers because of their importance to the future of the local and national economies. However, securing loan approval provides key advantages to the borrower too.On the other hand, student loans secured from private lenders have terms that vary quite dramatically, principally because each lender sets their conditions. Approval rates despite poor credit are quite high though, mainly due to the fact that many lenders view such loans as special financial packages.Publicly Sourced LoansArguably, the best source of college funds is through public loans. This is because they are designed to help students to meet monthly obligations or to handle financial difficulties. So, when seeking student loans with bad credit, the federal lender is not interested in the credit score at all. Also, low fixed interest rates are typically charged, and usually repayment schedules are on hold until after graduation.There are several loan programs available, but the two most common are the Stafford Loan and the Perkins Loan programs. Stafford loans are issued to students coming straight from high school, and effectively subsidize their tuition fees. Securing loan approval is not difficult if the applicant qualifies.The Perkins program, however, is designed to aid students that already find themselves in a tight financial situation. These student loans can be used to cover living expenses, and are not confined to tuition and college fees, as the Stafford loan is. Supply is limited so early application is generally advised.Privately Sourced LoansLoans from private lenders are more expensive than public or federal loans. This comes down to the fact that higher rates of interest are charged. When, applying for a student loan with poor credit, the terms will probably make it a bigger financial drain than needs be. However, a private loan is a sound option when public loans do not offer enough.It is worth noting, however, that most private lenders provide a period of grace that usually extends to graduation, before any repayments need to be made. The specific terms of this kind of concession is important to know, then securing loan approval can be looked forward to.What is more, when considering application for student loans, most private lenders will also ignore the credit score too.
Six Words to Describe Business Financing
This report was produced in a direct effort to provide more understandable insights about some of the most critical business finance issues effecting commercial borrowers. Our approach in this report is to describe current commercial loan circumstances in six words. We have adopted a similar model in other commercial finance reports such as “seven words to describe commercial property loans”. The “simpler is better” perspective reflects the belief that after hearing an almost endless number of reports about commercial lending difficulties, what small business owners might really need is a more concise explanation about these problems and the resulting impact on their business financing options.Before proceeding, it is important to emphasize that small business finance options are often more complicated than anticipated by many business borrowers. We are definitely not attempting to characterize business loans and working capital financing as either straightforward or simple. In fact, quite the opposite is the case. The unfortunate reality that most business financing processes have always been excessively complicated and that meaningful improvements are not on the way is one of our ongoing observations. We nevertheless feel that it is critical for each small business owner to have an absolute and total understanding of the entire commercial finance process in the face of the prevailing commercial lending complexity. To help in providing more understandable insights about commercial loans and business banking problems, this particular report is one of several thorough efforts on our part.Our first example of six words describing business financing options is “banks are saying no more often”. For any small business owner still unaware of this harsh reality and who might doubt this observation, a series of candid conversations with other business borrowers will probably remove all doubts. The failure of banks to provide an adequate level of business loans on a widespread basis is the primary point to remember. It is important for small businesses to realize that they are not alone when they hear their bank say no to routine requests for commercial financing.”Commercial property values have decreased dramatically” is a second observation. There are very few exceptions. The biggest business financing impact is likely to occur with commercial refinancing situations. Many banks are aggressively recalling existing commercial real estate loans and this literally forces a borrower to seek business refinancing even if a business owner has no interest in refinancing their commercial mortgage. With decreasing commercial real estate values, business refinancing will be a challenge for most small businesses.”Lines of credit are disappearing fast” is another six-word description of commercial financing. Even the most successful businesses need a reliable source of working capital financing, so this situation is especially serious if a business cannot replace bank financing when it suddenly disappears. Even if a business still has an adequate line of credit, it is important to realize that on a widespread basis banks are reducing and eliminating business credit lines with almost no advance notice.As our final observation in this report, “business financing is in intensive care”. Extreme measures such as firing their banker and finding alternative commercial funding sources will need to be anticipated by small business owners in many cases. Bankers have not been sufficiently candid about commercial lending problems in the past, and nobody should expect that they will publicly announce that they are in any kind of financial trouble. On the contrary, a prevailing outlook from most banks is they are lending normally to small businesses. When dealing with any commercial lender, commercial borrowers will need a healthy amount of skepticism.As we noted, this article is one of several efforts to help small business owners survive an extremely challenging commercial lending environment. This report was intentionally designed to produce a concise overview of several complex small business finance issues by describing commercial loan difficulties in six words. A better understanding of practical business financing options for commercial borrowers should also be realized by reviewing related reports such as “six words describing working capital management” and “seven words to describe merchant cash advances”.