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I hate Valentines Day. Its not because Im not a romantic. I am (but dont tell anyone). I hate it because its a holiday that makes a lot of people feel badly about themselves because of what they may not have on a particular day of the year. Its worse than trying to keep up with the Joneses with money. The general theme of the holiday is you either have the love of your life on February 14, or you are a loser.

Of course, it doesnt stop there. You also need to be willing to pay out a hefty sum of money to show this love you have for your significant other, or you really dont love that person. Like so many other holidays, Valentines Day has very little to do with true love and everything to do with businesses and services getting you to spend a lot of money to supposedly prove that you really do love that person in your life.

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If you have used ATMs for considerable time, you must be aware of those unsolved mysteries that you never quite understand about ATM Machines. Some of them are plain funny curiosities while other are really strange and we all need to know the answers to them.

I have spoken to a few people regarding these and found out that I am not the only person confused about ATM machines. So, I embarked on a little research to find out answers to these questions. I call them 7 mysteries about ATM Machines aka seven wonders of ATM World. I will post answers to these question in my next post.

1. Why do ATMs allow you to enter the amount you wish to withdraw in penny increments? If I type in I want $53.28 it’s not like it’s going to shoot a quarter and three pennies out of the bill changer. Pre

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Some comparison websites and lenders are offering customers ‘soft’ credit searches when applying for loans and credit cards. These promise to not leave a footprint on your credit rating but how do they work? And are they reliable?

Whenever you make an application for a credit card or loan it leaves a mark on your credit score.

Applications typically make up about 10 per cent of your credit score so making a large number of applications can have a negative impact on your rating.

James Jones of credit reference agency Experian says: ‘Every application that is made leaves a footprint on your credit report. If youre making a lot of applications in a short space of time then this can have a negative impact on your score.’

However, some comparison sites and lenders have introduced a ‘soft’ check feature to give customers an indication if they’re likely to get accepted for a product.

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The harmony and productivity existing at a workplace is influenced strongly by employee relations. However, the act of managing the positive relations is not always an easy task; this statement stands even truer in case of the large employee bases. The most common cause of employee conflict is personality clash, which eventually gives birth to negative work atmospheres. For convincing the employees and ensuring that the workplace is running smoothly, the manger must possess a personality demanding respect from his subordinates. One of the most effective tools of creating positive work environments is implementation of positive employee relations. Below, we have discussed a few effective ways of managing positive employee relations.

1. The manager must establish strict rules, which should be incorporated into the employee manual.

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