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 not have been the best decision. And here's why:The "money back guarantee" condition only applies if...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,...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, as it's updated every few days. It's a toll free call and available 24-7.Remember that the market is currently on defense, so the name of the game right now is... Principal Preservation!What's on my list of "things to do" right now is to have a shopping list ready to go. When we go back on offense, it's no time for dawdling. I'm finalizing this shopping list right now.In a retirement account, like a 401k, a deferred comp plan or 403b account, the current order is safety-safety-safety. That will change as soon as the light changes to green.Outside of a retirement account, there is an easy way to "dip a toe in the pool," which is about all we SHOULD do now. Buying the deep in-the-money calls is a way to get the big toe wet. What's a deep in-the-money call? As an example XYZ stock is trading at $63. A deep in-the-money call would be calls with a strike price of $50, or say $55. The $55 calls should be priced around $8, plus a...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 increasing your income from almost any marketing effort.Most of us run into it in very common questions...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 successful? Do I need a mentor? What help is available? What will this cost me?The fact of the matter is,...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 collateral is oftentimes the home. If a homeowner loan is not paid off, the lender can seize the property in order to get his or her money back. Homeowner loans are sometimes referred to as a "secured loan" because of the security that a lender is given via the loan.Applying for a homeowner loan is preferred by many because of lower interest rates. The interest rates are lower because the bank sees the risk of losing money as being much lower than with other loans. This is because in the end, the bank can take the collateral and cover any unfortunate losses. This direct proportion serves to make homeowner loans much more appealing to the average consumer. Homeowner loans are often used by homeowners who want money to improve their home. An example of this might be if you wanted to build a deck for your home, but did not have the cash necessary to pay for it. You could get a homeowner loan and use the home equity you have as collateral in...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
Conducting a job search is a daunting task, even for seasoned professionals. There are many pieces to the puzzle, and each piece plays its own important role in the process. Knowing the pieces of the process is a crucial element for your...more
An old cliché goes, "Poor people get poorer by acting rich and rich people get richer by acting poor." People do not realize how small day to day purchases can add up to big bucks in the long-run. It may seem like a penny here and a nickel there...more
Businesses of all types are now exploring the benefits of using Interim Managers. What was once seen as the exclusive territory of large multi-national companies may turn out to be the saviour of the UK manufacturing sector.Paul Wilson, Managing...more
The past few years have seen some dramatic changes in parcel shipping methods. Most of those changes have been driven by impatience, manifested in what the industry calls "the shortening of the supply chain." It is an interesting phrase, summing up a...more