Magda works on a team of 15 people working in research and development for a toymaker. They have weekly meetings to discuss new toy ideas. Occasionally, Magda will have a good idea that she wishes to discuss, but it takes too long for all her other teammates to finish talking and then the meeting is over before she gets a chance to bring up her idea. This week, she suggested that the team try ; it minimizes production blocking by removing conversation during idea generation, and generates more ideas in the allotted time that members can further build upon.

Secured loans are protected by collateral security. examples: title loans where the borrower uses the car title as collateral security interest rates are lower and repayments are longer therefore risk is low as a collateral security is given as guarantee to the bank in case of failure to pay the loanunsecured loans are not protected by collateral security but it is given on the creditworthiness of the borrower, trusting that she/he will pay on time. examples; payday loans is a short term loan where the borrower lends money from the bank and pays is back when the borrower receives his/her wages.interest rates are high and repayments are shorter. but the risk is high as no collateral security is given as a guarantee to the bank for payment of the loan

Follow me on instagram teemazin