With all the things you have to remember to do on a regular basis, balancing your checkbook doesn't always receive priority. But if you plan ahead and schedule some time for this important task, you will reap the financial rewards.Before you begin make sure you have the following items on hand: checkbook, ledger book, ATM and deposit receipts, calculator and a pencil. The next step is to check your items. First, separate your returned checks and...more
In the past, if you wanted to send money electronically through a wire transfer you only had a few options available to you. You could go to your local bank to conduct the transfer, or you could use the services of a company such as Western Union. But nowadays more and more companies are set up to provide wire transfer services, especially online. Companies such as PayPal, for example, allow almost anyone to send money worldwide through their...more
If you're a young person who has just begun to earn some money, it is very important that you know how to open a bank account. Once you do, you'll have taken the first step in a long-term process of financial independence and growth.A bank account is not only essential to cultivating savings, it is also important for day-to-day financial activities. Before you decide what bank or financial institution with which to do business, however, do some research. Talk to your friends and family about where they do their banking. Ask them questions about the service their bank provides, and whether or not they are satisfied with it.Next, determine exactly what type of account you want. The two most common types of accounts are a checking account, and a savings account. A savings account does just what its name implies - it allows you to deposit money in the bank that will receive a small amount of interest over a period of time. A checking account is intended more for daily, weekly, and monthly transactions, such as the writing of checks and the withdrawal of cash for various minor purposes. For this reason, a checking account does not usually generate interest.When choosing a bank account...more
Applying for a home loan may not be the most exciting way to spend your time, but if you are like many potential homeowners, it is probably a necessary evil. If you have some knowledge of the process ahead of time, however, it will go much more smoothly.Home loan applications tend to be very long, but if you are prepared ahead of time you can...more
Although it may seem very obvious, many people do not know how to write checks. With the birth of a generation that regularly uses ATM check cards, online bill payment systems, and credit cards more often than checks, check writing may risk extinction due to ignorance.Luckily for you, this article will take you through the process of properly...more
"I don't know the key to success, but the key to failure is trying to please everybody."--Bill CosbyHave you ever had a client/customer that was more trouble than they were worth? Maybe they were always late to pay, or didn't do what they said they'd do. Maybe you just had a personality clash, or they expected more than you were able to offer. Whatever the situation, chances are you had an inkling when you first met that client...a tiny voice that you didn't listen to, that was probably overshadowed by the bigger voice that said, "Hey, it's business; I'll take it!"Learn to say no to those clients, before they start draining your energy! The key to being able to do this is understanding Your Ideal Client. Once you know how to recognize who is ideal and who is not, you can practice turning down business from the latter. If you have trouble saying no, you'll need to learn this critical business skill...and what to do to get rid of problem clients you already have; see the resources at the bottom of this article. If you have a coach, ask them to help you complete the Ideal Client exercise, or to role-play those "saying no" conversations.How to discover YOUR Ideal ClientThere are many...more
1. Connection fee: This is also known as Access Fee. This should be known to most of the calling card customers. This fee is charged whenever one calls to the destination. This usually varies from 5 cents to 1 dollar. The worst thing that can happen...more
Business etiquette is fundamentally concerned with building relationships founded upon courtesy and politeness between business personnel. Etiquette, and especially business etiquette, is a means of maximising your potential by presenting yourself...more
Three highly respected names in Human Resources have joined forces to provide companies with a revolutionary blend of services that make the hiring process more efficient and effective. The partnership joins three companies: NAS Recruitment...more
Using a ghostwriter to craft your free reprint articles and marketing materials is an excellent way to maximize your time and profit. The fastest and most effective way to find a freelance ghostwriter or editor is to post your writing projects on an...more
Open Source applications can bring unique value to business owners. Since the base application development costs of open source applications is free, small and medium business owners are able to leverage previously unobtainable technolgies against...more
Real estate continues to be a very important part of any financial wealth building strategy. Most wealthy individuals have real estate investments as a portion of their overall net worth. Carleton Sheets has been in real estate since the 1970s and...more