A number of states (nearly half) have now legalized marijuana for a variety of purposes including recreational use (Colorado and Washington). However, employers are frequently terminating employees for off-duty use despite laws which prohibit terminating employees for being terminated for using substances that are lawful to consume. In a number of appellate courts in several jurisdictions, including Colorado, the court's have upheld terminations for off-duty conduct for the consumption of marijuana despite its lawful state status under the theory that it is still illegal Federally. To what extent do you think that employers should be able to regulate otherwise lawful conduct by employees performed off-the-clock

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

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