If you can't sleep at night because of credit card debt worries, you're not alone. Many people get in over their heads charging things they think they can't live without.You don't need to cut up all of your credit cards. Save your major bank cards, but stop charging needless temptations on them. You need a couple of major bank credit cards to maintain or build strong credit scores.The credit cards you should cut up, department store credit cards,...more
Did you know that your credit score that you purchase online is not the same credit score your loan officer gets?You probably know that when you apply for a mortgage, your loan officer gets all three credit reporting agencies reports with three different scores. From your three credit scores, most mortgage companies use your middle credit score to determine your credit worthiness. Do you know that the credit score an auto dealer sees is not the...more
There are great benefits to owning a franchise. You often can sell goods and services that have instant name recognition and can obtain training and ongoing support to help you succeed. But be cautious before you sign on the dotted line. 1. Know How Much You Can Invest - A franchisor may tell you how much you can afford to invest or that you can't afford to pass up this opportunity. Before beginning to explore investment options, consider the amount you feel comfortable investing and the maximum amount you can afford. 2. Know What Type of Business is Right for You - A franchisor may attempt to convince you that an opportunity is perfect for you. Only you can make that determination. Consider the industry that interests you before selecting a specific franchise system. Ask yourself the following questions: Have I considered working in that industry before? Can I see myself engaged in that line of work for the next twenty years? 3. Realistically Evaluate Your Own Background and Skills - If the industry does not appeal to you or you are not suited to work in that industry, do not allow a franchisor to convince you otherwise. Spend your time focusing on those industries that...more
Developing and utilizing presentation skills can result in increased income for you. Here are a few ways that you can turn your public speaking experience into business profits.1. Free Speeches to Promote Your BusinessA lawyer might make a speech to a group of business persons, free of charge, about the advantages of incorporating their businesses....more
I'm sure most people have dealt at least once with unsatisfactory service. Quality complaints, products not up to standards or not what you would've expected. And, in the good American fashion, what did you do? You disputed the charges with the credit card company/bank, being almost sure that you won't be charged anything right? Well, it might...more
Wanna know the best advice ever you can get about money?Here it is...Let's say that you are getting regular monthly salary from work and you are happy with it. Now, at the end of the month (and most of the time, two days after you get your paychecks), you wonder where all your money is gone.You begin reasoning.30% of it goes to house mortgage.20% of it goes to car payment.10% of it goes to credit card payment.5% of it goes to utility bills.etc, etc, etc..."That should be fine. I've got all taken care of. Next month, I'll get another paycheck and the same cycle goes on and on... enough for me to survive the whole life."Well, you gotta be careful now.What happens if your car broke down?What happens if your kitchen needed renovation after a heavy storm last night?What happens if you suddenly forgot that you've overspent your credit card?What happens if you fell sick?Things could be worse, and now is the time that the cliche "Fix your roof on a sunny day" is very much true to you.You don't want this to happen to you, right?There could be thousands of things that could go wrong in our lives but unless we realize that we need to prepare for the worse, we'll never get ahead of...more
The current environment is for traders only.We are starting to see indications things might be picking up. Sometimes, the "short term" bounce turns into the "long term" move. Sometimes it doesn't. So stay tuned. And check the hotline for updates,...more
Back in my retail days, we called it "the upsell". In direct sales and internet marketing, it falls under the heading of "follow-up", although in many guises it can be very similar to the retail "upsell". It's really an effective technique for...more
Have you been dreaming of getting out of the rat race and starting your own small business? If so, your dream has become a reality for thousands of people across the U.S.New small business owners often have similar questions such as Will I be...more
Homeowner loans are a type of loan that offers the lender increased security. The lender gives the homeowner money and receives property as collateral. It is called a homeowner loan because it is often used by homeowners and the property offered as...more
It's not just commercials on television and radio that need actors to read information off-camera. There are a myriad of ways to use voice to educate, inform, guide, entertain, and, of course, sell. Places where you can use voice over talent include...more
Are you satisfied with your salary? You would be an exception, if you answered this question with yes. A survey among bank employees has shown that they are not satisfied with their salaries. They find that they should earn more money for their work....more