As clients meet with me to discuss leadership, inevitably the conversation turns to decision-making. Making decisions is one of the most taxing job responsibilities that leaders have. In my experience, leaders suffer more than they should because they make too many decisions. Too often, they fail to ask, "Whose decision is it?" or "Who is the decider?" When leaders take the burden of responsibility too far, they either want to protect others from...more
Is your business missing out on valuable tax deductions you can take for the use of your personal vehicle for business purposes?If you haven't done so already, you should definitely beat a path to the door of your local office supply store and pick up a notebook for logging the mileage you drive to conduct business—and be sure to log the miles you drove to buy it! Not taking the trouble to do this is like letting your pricey gasoline flow onto...more
HUD reverse mortgages can be a great tool for Seniors that are looking for additional funds for retirement. Through a HUD reverse mortgage, seniors can tap into the equity from their homes without having to make repayments.HUD Reverse Mortgage EligibilityHomeowners must meet the following criteria in order to be eligible for a HUD reverse mortgage:- Homeowner must be age 62 or older.- The home must be owned free and clear or have a mortgage balance that can be paid from equity.- The home must be a principal residence.- The property must be a single-family home, a one-to-four unit dwelling with one unit occupied by the applicant, a manufactured home (mobile home), or a unit in condominiums or Planned Unit Developments.- The property must meet minimum property standards.Homeowners that qualify can receive payments in a lump sum, on a monthly basis, or on an occasional basis as a line of credit. At a later date the payment options can be restructured if circumstances change.Guidelines on HUD Reverse Mortgage AmountsThe amount that can be borrowed on a HUD reverse mortgages is determined by the following criteria: - The borrower's age - The older the borrower the more that can be...more
Credit Cards For Anybody?Credit Cards are widespread all over the US as well as worldwide and are accepted Internationally as a very convenient mean of payment either in person at stores, via the phone and the Internet or on signed forms via the fax.Does anybody can obtain this much quested plastic money?Well, to answer that we would have to...more
Value Investing refers to a philosophy or practice of buying stocks that are fundamentally sound, but the stock price is below its obvious value. There are various indicators that Value Investors use to determine that a company is both sound and the stock price is undervalued. For the Value Investor, perhaps more than any other style of investor,...more
If you're young and just starting out credit cards are certainly convenient and can help you establish a good credit history, which will be important when you need to make major purchases down the road. However, carrying a credit card comes with big responsibilities. Here are some tips on how to use your credit card wisely.Choosing the right credit cardWhen selecting a credit card, you should consider your own needs. For example, if you're going to be carrying a balance (not paying off the entire bill each month) then it is imperative to seek out the lowest interest rates that you can find. But you may be limited by a few circumstances, one of which is your paycheque. Some credit cards require a minimum income level or charge an annual fee.High limit credit card could be a recipe for disaster. Signing on the dotted line is fun. No money comes out of your bank account and no cash comes out of your wallet. Shopping has never been so easy. That's why when starting out the best credit cards are the ones that have low spending limits, unless you can afford to pay for any of the charges that are made on it.Just about all credit cards offer some type of incentives such as rewards points...more
Having a web site and being visible on the net can be really exciting. After years of hard, but interesting work it can reward with a million dollars or simply fall into oblivion. The only way to keeping head above water is continuously provide a...more
How often do you find yourself saying: "I wish I knew how to learn more about this topic"Well, we were listening! And this article is the result. Today human resources management is opening up new horizons in many different offices around not only...more
Home equity loans are an extremely popular source of credit. Lenders offer dozens of varieties of loans making it very easy to tap the equity in your home. If you browse the marketplace online, you will find most of these loans come with variable...more
These days, more and more people are placing importance on keeping physically healthy. This can be seen by the amount of people who are joining gyms and sports clubs, going on diets, and spending on private health insurance. One of the biggest areas...more
Option is a legal agreement between buyer and seller to buy or sell security at an agreed price in a certain period of time. It is quite similar to insurance that you pay an amount of money in order that your property is protected by the insurance...more
As an employee of an online advertising agency, ICMediaDirect.com, I've got a sweet vantage for observing the latest online retail numbers tumble in - and they're spectacular. Third Quarter online retail sales were up almost 27% from the same period...more