Has anyone ever said to you, "Your price is too high and I'd like a discount." In this article I outline two approaches for responding to this comment. One of the approaches even has the potential for you to make a bigger sale than you originally anticipated. Curious?First, giving discounts in the right way may well be the most appropriate thing to do. Conversely, giving a discount in the wrong way can not only lose you a sale but could lose you...more
There are a great many traps and scams that exist in the world of payday loans that will only leave you with less of your hard earned cash and a tremendous headache. Instead of having to deal with these scam artists after you find yourself in the position of being a debtor, research all your available options so you do not end up as the victim of a well placed trap. There are a fantastic array of loan agencies in both the physical world and the...more
The toy industry suffered a major setback during therecession. Thankfully, it survived but the products comingout of the toy industry of late are quite boring. Onewonders where has all the innovation gone? If you have anoriginal idea to sell to the toy industry you will need togo about it the right way or else suffer rejection andfrustration.Toy companies receive thousands of ideas from inventorsevery year, and accept only a fraction of them. So how canyou increase your chances of success? If you are planning toenter the toy industry you may benefit from these tips:The first thing to remember while embarking into the toyindustry is to do a great deal of research but don't befoolhardy to presume that you can reinvent the wheel. Also,don't try to improve on existing popular toys. Don't thinkyou'll re-do Slip-N-Slide, for instance, and make it evenbetter. A lot of inventors make this mistake, or submit aso-called new idea that's already on the market. Do yourresearch, and leave product updates to a company's internalResearch and Development staff.Your research should help you decide which companies totarget. As a rule of the thumb you should target toycompanies that produce products...more
Here are some helpful and realistic tips to buying a home.Get pre-approved for a mortgageGetting a mortgage pre-approval will save yourself the grief of looking at homes you can't afford and put you in a better position to make a serious offer when you do find the right one. Don't just get pre-qualified for a mortgage, which is based on a quick...more
A mortgage is legal agreement or contract that says that a party has agreed to put up a property, a house or a piece of real estate, as security to get a loan. By doing this, the person getting a loan can buy a piece of property that he initially cannot afford. Still, if by any chance, he cannot pay for the loan, the bank will have to foreclose the...more
Millions of people make use of payday loans every year, and their number is increasing. Yet the payday loan industry is also the favorite whipping boy of several organizations. The allegations against the industry are well known: that they charge a high interest rate, and push low-income people further into debt.There have been arguments for and against this position. Yet the fact is the industry has continued to grow, and more people access their services every year. What is more, some banks have also extended credit lines to payday loan lenders in order to get a finger into the growing pie. The irony is that the banks refuse to lend to people the payday loan industry serve, yet want a portion of the profits. This is a convenient way of making profits without being held accountable for not providing services to the needy. Most people who access payday loans do so because the banks refuse to lend to them because of their bad credit scores. Or because they do not have a credit history -- which is due to no fault of their own -- as in the case of individuals just out of college. Add to that, the payday loan lenders have made it quite easy to get payday cash advances. The online cash...more
There are two aspects of real estate and marketing that are paramount to your success as a real estate professional; the acquisition of new customers and the retention of old ones. As is the case in other industries the cost of acquiring new...more
If you are like me, you receive multiple 0% APR credit card offers on a daily basis. Up until about a year ago, I would just throw them away. Then I wised up and saw an opportunity. Not only could I consolidate my current credit cards, I could...more
Something For Nothing SyndromeLet me be perfectly honest with you, there is no such thing as something for nothing, but you already knew that didn't you. Then why are there so many home based business and success programs being sold by way of TV...more
As the competition for talented people picks up, forward thinking managers need to assess how they are positioned to keep their good people and attract some more.Get the basics rightPeople who have choices, and good people normally do, look for...more
I am delighted to say that I am a credit card deadbeat! In fact, some of you might already be credit card deadbeats too, if so, I commend you for your excellent work! Now, as for those who don't know what a credit card deadbeat is, before you start...more
There are many major differences between online banking and offline banking; if you are presently undecided between your current, limited offline bank and opening a new online bank account, you should take some time to thoroughly evaluate your...more