Investment Advisors (IAs) come in all different intellectual, professional, and alphabetical varieties. They range in educational qualifications from High School dropout to PhD, and can be professional Accountants, Insurance Salesmen, Stock Brokers, Investment Managers, Dentists, Lawyers, TV personalities, and Gourmet Chefs. Anyone can be an Investment Advisor! It seems reasonable that your trust should gravitate toward those who have educational...more
When my wife was enquiring me about the progress of the homeowner loan that we were planning to take, my six year old said something that put me to deep thought. The subject was the constant refusals by a large number of loan providers because my credit file showed adverse credit history. On this my son remarked that when needs do not cease from emerging because you have adverse credit, why do loan providers refuse loans on the ground.Though this...more
Home is where the debt is.Debt reduction is about spending less money so you can pay off your current debts while not accumulating more debt. Car payments, Christmas shopping, and credit cards enable the amassing of debt rather quickly. When bills are coming every day and you don't know where to turn or how to save any more money, look at your own home.Everyday, you leave a light on. You turn on the air conditioning or you turn on the heater. You take a bath. Daily living requires spending of your money, whether you realize it or not. Daily living is the first place you can start reducing your debt.Cutting up credit cards is an easy decision. Limiting yourself to a budget is an easy decision. What about fixing a drippy faucet or turning the heater down a few degrees? These actions don't seem like they could save you much money. In fact, you could be saving a lot by doing just 7 to 10 things around the home.No one likes being in debt, yet most people are in debt. The hardest part of getting out of debt is deciding on getting out of debt. You have two choices, may more money or reduce your daily spending. What can you do in your daily living that could reduce your...more
Heavy gauge thermoforming is as much a staple to the returnable plastic packaging industry as Chevy is to General Motors. It's always been there, not known for its cutting edge design but more because it is solid, durable, and dependable. Thermoforming plastic trays and pallets can also be misunderstood. It remains one of the longest lasting and...more
Here is a secret that may be difficult for you to believe, so prepare yourself. It is an extremely important secret that can have a most profound impact on your small business success, or it's failure. Let's start by asking a simple question...Do you enjoy sales? The truth of the matter is that when many small business owners are asked this...more
What I am about to say will make some people stand up and shout "hooray!" It will make others blush with embarrassment. Either way, take this advice and make your life a little bit easier.This is about email etiquette. When you are exchanging emails with friends and family, do whatever you want. But when you are conducting business, either as the customer or as the merchant, you need to observe some common rules.First, I am constantly amazed, on a daily basis, how many people will send me an email without signing their name! C'mon! If you send me an email without signing your name, my first impression of you is "LAZY BUM." Right or wrong, that's what you project if you don't bother to sign your name. It's a common courtesy to sign your full name.Here is the rule: If it's worth sending, it's worth signing.This is just like writing a paper letter to a company. You should tell them who you are. Always sign your first and last name.I got an email the other day from a customer that had NO name at all, and all it said was..."i lost my psswrd"That's it! How lazy is that? That's all it said. No name, no contact information. After spending a few minutes checking my database (grrrrr), the...more
Citibank recently launched a new credit card that takes away an important sting felt by many consumers: late fees. In an unusual move, the bank is now offering consumers "permanent forgiveness" for late payments and will no longer assess the...more
What does the phrase "team building" mean to you? Quad-biking? Abseiling? Propping up the bar with your work colleagues? Allow me to disagree.Let's look at the word "build" and see where that leads us. The Concise Oxford English Dictionary defines...more
Maybe it took the State of The Union address from President Bush to bring the concept of Health Savings Accounts out into the open for all to see. Whatever the case, this is an idea and reality that is long overdue and a great solution to health...more
The interest of lenders in secured homeowner loans is justified. No other loan covers lenders from as much risk involved in the lending process as a secured homeowner loan. But, what explains the surge of interest of borrowers towards secured...more
How can you apply ergonomics to your work life?Thanks to the study of ergonomics, we can now find better ways to work. It has been shown that our bodies can be under stress and tension even when we are sitting at a desk. Applying the techniques...more
Congratulations! You successfully sold one or more of your company's products or services to a business unit, department, or division of a large organization. Now your manager has tasked you with "account management". If you are not already familiar...more