A blog is a simple tool which all affiliate marketers should be utilising to explode their affiliate sales.I set up my blog in about 15 minutes at http://www.blogger.com it's a completely free service, and it's really easy to set-up. I followed directions on an excellent article on getting a new website listed in Google in 48hrs check it out here, http://www.scamfreezone.com/gg/ . I just followed the advice in the article and got started with no...more
The Federal Trade Commission (FTC) has set up a new website (www.AnnualCreditReport.com) where US residents can obtain free copies of their credit reports from the three major credit report bureaus (Equifax, TransUnion and Experian). The FTC site was set up as part of the Fair and Accurate Credit Transactions Act enacted last December. The site was set up in an effort to help fight the increasing threat of identity theft. The credit reports must...more
Albert Einstein called compound interest "the greatest invention of all time." It has even been referred to as the "Eighth Wonder of the World." The trick is to get this tremendous force working for you rather than against you.Is compound interest gobbling up a significant chunk of your earnings? If you maintain an ongoing balance with a credit card company, compound interest is costing you much more than you probably realize. Let's start with basic interest, which is a fee that you pay to a lender for the privilege of borrowing his money. This interest is attached to the original amount at an agreed upon rate. Compound interest is calculated on the balance owing plus any previous interest charges. So then you find yourself paying interest on the interest. This compounding effect continues until it virtually takes on a life of its own. Credit card lenders make a killing putting this principle to work for them. Allow me to illustrate. Let's say you're carrying a balance of $1,000 on a credit card with a 15% APR. If you pay only the minimum each month, you could conceivably gnaw away at this debt for over 25 years and end up repaying a total of over $3,400! If, on the...more
Refinancing has become a valid option for many individuals with high interest rates on their mortgage. Refinancing is essentially a replacement loan, with a different lender and (hopefully) a lower interest rate.So why would you choose to refinance? You may be able to take advantage of lower interest rates. You may also be able to extend the...more
When you first take over a department, expectations are usually high but operations are sometimes in disarray. The staff is disorganized, goals aren't being met, and hours are spent on unproductive tasks. Just when you think the company would never get on track, the CFO recommends that you learn more about something called operations...more
Lenders are using credit scores more and more to make decisions about who they will lend to. The main developer of these scores is called Fair, Isaac Co (FICO), thus these scores are often called FICO scores. Scores range from 300-850 with a lower score indicating a higher chance of defaulting on a loan and a higher score representing a better chance that the lender will get paid back. The national average score is approximately 680.Every lender sets up its own score cutoffs but generally speaking, you can expect to receive the following treatments based on your score:300-549: Extremely difficult to find any lender that will offer you credit.550-619: You may be able to find credit, but very high interest rates and fees will likely apply.620-679: You should be able to obtain credit, but you will probably be offered a higher interest rate.680-749: You should have no problem getting credit and you will receive good interest rates and repayment terms.750-850: Lenders are happy to offer you credit and provide you with their best rates and terms.These scores are becoming even more important to us as consumers over time. For example, most insurance companies also check your score when...more
One very important wealth creating habit is to set up a concrete plan that you can actually follow. You see, wealth takes planning, and is usually the result of taking a set of orderly, progressive steps from where you are now to where you want to be...more
Have you ever heard the phrase, "Thoughts are things and words have wings?" This phrase is the perfect expression of the principle of prosperity. How you think about and talk about your level of prosperity is what actually manifests in your life. How...more
You do if you're a business, non-profit or association manager with important external stakeholders whose behaviors affect your department, division or subsidiary the most. In your own best interests, here's what you'd better be doing about them....more
A few years ago, many of us would have had a light chuckle to ourselves if someone mentioned that you could borrow money to buy a house with only the promise of solid future earnings. But today this is a regular occurrence. Many of the industry's...more
I hear it all the time. "What should I do about . . .?" As a business owner you're faced with the daunting task of making all the decisions that affect your business. Should I remain a sole proprietor, become an LLC or is an S Corp better? Should I...more
MARKETING STRATEGIESAn enterprise may adopt different marketing strategies dependent on the size and position of the business in its industry. The marketing strategy adopted may prove crucial to generate sales. These marketing strategies are often...more