OK, so you are up to your head in debt. You are stressed out, it is now affecting the way you function and absorbing most of your daily thoughts. You have no idea what to do. OK, first things first. Take a step back and try and look at things with a clear head. Your debt is manageable. If you have many bills and just can't afford them all, the first thing you should consider is a debt consolidation loan. A debt consolidation loan will...more
Morningstar now provides Fiduciary Grades on mutual funds. How does Morningstar determine these grades? How can mutual fund investors use these grades to better manage their portfolios?Mutual fund investors use Morningstar Rating as a sign post of mutual fund performance. These ratings have proved to be a valuable tool for objectively comparing the performances of different mutual funds.In 2003, New York Attorney General, Elliott Spitzer...more
Putting a piece of paper in a file folder is easy; finding it again is the hard part. There are ways to make your files easier to use and your papers easier to find. Invest in a sturdy, four or five-drawer file cabinet. Spend the extra money it takes to get quality and durability. You'll spend more money replacing a cheaper file cabinet a few times than buying a reliable one in the beginning. You may not have enough files to fill the cabinet now, but believe me, you'll need it in the future.Before you buy additional cabinets, weed out unnecessary files. The natural tendency is to buy more cabinets to hold the papers you've accumulated. The more filing space you have, however, the more tendency you have to keep unnecessary papers.Keep the number of hanging file folders you use to a minimum. Rather than putting only one interior folder in each hanging folder, group three to five interior folders in each one and label the hanging folder with the main category.Minimize your paper files by using a scanner to store them electronically. There are hand-held, sheet-fed, flatbed and optical pen scanners available. You can even use a scanner to enter business cards into a...more
One of the hardest things for most individuals working from home is to stay focused. One of the best ways to stay focused is organization. In addition, being organized will help your time management skills. The two are very much intertwined. Planning out your day is very important. What you will do in the morning, afternoon/and or evening,...more
Every day we get emails and telephone calls from people who want to get started in Real Estate. We hear, I am just checking out your program. Or, I've been researching for the past six months to try and find a program. While researching and checking out programs is an important step, so many of these individuals never follow through to the...more
An Ann Landers column "Parenthood is not a job for the weak at heart" caught my interest.Job Description for a ParentPosition: ParentJob Description: Long-term player needed for challenging, permanent work in chaotic environment. Candidates must possess excellent communication and organizational skills and be willing to work evenings and weekends and frequent 24 hour shifts. There is some overnight travel required, including trips to primitive camping sites on rainy weekends and endless sports tournaments in faraway cities. Travel expenses not reimbursed.Responsibilities: Must keep this job for the rest of your life. Must be willing to be hated, at least temporarily. Must be willing to bite tongue repeatedly. Must possess the physical stamina of a pack mule. Must be willing to tackle stimulating technical challenges such as small gadget repair, sluggish toilets and stuck zippers. Must handle assembly and product safety testing , as well as floor maintenance and janitorial work. Must screen phone calls, maintain calendars and coordinate production of multiple homework projects. Must have ability to plan and organize social gatherings for clients of all ages and levels of mentality....more
A big source of managerial churn is lack of clarity around the decision process. The biggest source of confusion is the Team Decision. Does this mean that the boss wants lots of input and discussion before deciding or does it mean that a decision...more
As a sole proprietor, it*s wise to familiarize yourself with the some key deductions that may reduce your tax bill for 2004. Small-business consultants generally recommend that you hire an accountant to prepare your tax returns, payroll and financial...more
It's a dream I've heard so many people express: "I want to run a bed and breakfast. They are so cute" Or "I want to own a vacation rental property, so I can get a free vacation and make money the rest of the year.But what is really...more
With currency trading becoming ever more popular, the number of brokers is growing at a rapid rate. What should one look at when deciding which broker to open an account with? These are the important points to consider.SpreadBecause currencies,...more
How? Try a blueprint like this: people act on their own perception of the facts before them, which leads to predictable behaviors about which something can be done. When we create, change or reinforce that opinion by reaching, persuading and ...more
Actually, for a while this site was making more then $350 a week. On top of the 8 hours it took me to set up, I only spend about 10 or so minutes a week on maintenance. Ok, so here's what I did: firstly, I found a great affiliate program that...more