If you are a borrower with a history of unsatisfactory credit transactions, the lenders will describe your credit history as "adverse". The expressions "poor credit", "bad credit" and "sub-prime" all describe exactly the same situation. This leads to a number of questions; what credit information is collected about you, where does it come from and how bad must your credit history be for it to be labelled as "adverse"? It's the credit agencies...more
If your business is not using eBay and other Internet auctions, you could be missing out. Here are just a few ways of generating additional income, profits and cashflow from online auctions.1. Convert Excess Assets to CashSell personal or business items that you no longer use. For example, are there slow moving inventoryitems in your store? A major camera store chain sells their slow movers, quite successfully, through eBay.2. Buy and Sell...more
Sometimes consultants and other service providers are hesitant to charge a fair rate for their services.Maybe they feel that the services they provide are so basic that you really can't justify charging much or anything for them. Perhaps they feel that they don't have the knowledge or experience that other consultants have. Thus, they hesitate to charge fair rates because of a lack of self-confidence. This is natural (especially for new consultants). However, what you know and do has real value.By the way, I'm sure that most people find it more appealing to deal with someone who is humble enough to admit their limitations than someone who is arrogant and cocky and not as great as they think they are.To stay in business, though, you need to charge a fair price for all of your services. Fair means fair to the client but also fair to you.You can enjoy increased consulting fees by developing more self-confidence.1. Don't Take Your Skills for GrantedFirst of all, we tend to take our assets for granted. If you are an expert bookkeeper and good with numbers, you may feel it's easy to do the work you do. Yes, it's easy for you but not for others. You may actually have an aptitude for what...more
Are you worried about your credit card or debt card being stolen? You're not alone, it's estimated that 51% of people in the UK are concerned about their credit and debt cards being stolen. Credit card fraud is a consent worry, and with more people using there cards as there main source of paying for services and goods. It gives the criminals many...more
The 401(k) retirement plan is funded by employee contribution and a matching employer contribution. The major feature of the plan is that the contributions are taken from pre-taxed salary. The fund accumulates tax-free until it is withdrawn. Most businesses and tax-exempt organizations can create these retirement plans.The 401(k) takes its name...more
The IT revolution can still change the destiny of Pakistan, but will require a readjustment of the sights. This readjustment will require her to work with what she has, and not what she currently doesn't!Pakistan has been unable to produce software developers in increasing numbers, but does possess skilled workers in reasonable numbers in other fields that can provide services to clients all over the developed world through the Internet. These services range from data entry to telemarketing to insurance claims processing to payroll management to computer-aided designing to financial analysis and forecasting.Pakistan's doctors can be employed for medical data analysis; lawyers can provide legal advice over the Web; graphic designers can produce animations. The possibilities are numerous and the opportunities lucrative. The Internal Rate of Return (IRR) and Net Present Value (NPV) numbers for many of these opportunities are similar to those for the software export business.As an example, look at the function of an insurance claims processing company. Say an automobile accident takes place in New York City. The claimant fills a paper form describing the incident and providing his...more
Raising money for your business can be very challenging especially if you are not the type of person who is comfortable marketing your business ideas. If you are one of those people who are not really very good at communicating you ideas verbally, it...more
The typical American household budget percentage breakdown looks like the list below. For most of the categories a range is shown. A range makes more sense to help you see where your personal budget fits (or doesn't fit.) If your budget doesn't fit...more
Do you want a solution to all your financing, accounting and bookkeeping problems? If yes then New Jersey Bookkeeping is your destination for inclusive financing, accounting and bookkeeping outsourcing services. Bookkeeping and accounting are the...more
The problem with some business ideas is their cost. To manufacture and market a product you have invented could cost you millions of dollars. The investment in machinery, buildings, inventory and other expenditures could bankrupt you before your...more
Nuptial knots, although, are solemnised in the heaven, materialistically on this beautiful earth. Everyone, always, wish to perform a plush wedding in which one may show his status in the society. Today, in the UK, at least ₤ 17,000 to 19,000...more
Everybody needs credit and it is no different for a business. When establishing a businesses credit the first step is usually to get a business credit card. Business credit cards often differ from credit cards for personal use. It is good to know...more