For over 20 years I have worked as an independent IT/Business consultant for some of the most prestigious organisations in the world including companies like Telstra, BHP, BMA Coal, Suncorp Metway and many many more. But it still astounds me, that there are still companies out in the market place, even to this day, that still don't value the need for a Customer Database. In some cases, they don't even know what it is.Let me answer the question...more
The peddlers of hot penny stocks today peddle their wares much like the hot cross bun streetsellers of the 19th. Century. They don't exactly hawk their wares round the shopping malls crying out "Get your hot penny stocks tips here", but telemarketers and professional rumor mongers are making sure that you get their message loud and clear. The message is the same - buy my stock - it's just the medium that's different. The telephone,...more
The advantages of time management include reducing stress, gaining time, reducing avoidance, while promoting reviews and eliminating cramming. Another advantage is that managing time helps us to stay motivated while we avoid procrastination.The trick to successful time management is setting up goals that work, while having an awareness of those goals and prioritizing your list of goals. When you set up an effective time management plan, you are growing and upholding a personal commitment to yourself, with the ability to be more flexible.When you have a great time management plan, you are giving yourself an individual chance to, to generate a timetable that works to suit your busy caseload. When you create a good plan, you will soon find time to do all the things that matter most to you in life. In addition, when you have a good time management plan, you are saving your health. Plans have a schedule timed, which includes all the activities you are responsible to handle. Your Master Timetable should include all the most important activities you are responsible to handle. It is important that you modify this schedule according to your time changes. When you set up a Master Timetable,...more
Another year ended, and another round of UK debt statistics. CreditAction has just announced the latest summing up of the personal debt situation in the UK. Their figures show that the end of 2005 has seen the total level of personal debt rise to an astounding £1,158bn, an increase of £100bn compared with the same time last year, and this debt...more
The minimum payment on next month's credit card bill could be almost double what you were required to pay this month due to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. How will higher credit card minimum payments affect your family's finances, and can your mortgage advisor help you avoid financial hardship or even...more
Today's electronic world pushes the envelop further. With the advent of online trading systems such as eBay, many new forms of payment have flourished. First of all, on eBay, the mode of payment depends on the agreement between the buyer and the seller. Most often, the seller will specify his or her desired payment method. In these cases, the seller often has primacy in the decisions regarding payment modes. However, the buyer may still communicate with the seller regarding a viable alternative if it suits both parties. The following is a list of common eBay payment modes:1. Cash On Delivery Cash is, after all, still cash. This payment method can be done through a third party courier system or by the buyer and seller meeting each other at an agreed place. The advantage of a cash transaction is that the exchange of the item for payment is done in the presence of the buyer and the seller (or the seller's representative). However, some people will not accept the risk present when two strangers meet. 2. Personal Check One popular method of payment is personal check. Writing checks is easy and safe. However, many sellers do not like accepting check because they are easy to cancel. 3....more
Finance market is at peak reaching for new heights. Increasing number of lenders in the finance market has opened a new dimension for the borrowers to take advantage of borrowing money at competitive interest rates. Each lender wants to grab more and...more
Everyone has a unique perspective of what constitutes an "energetic meeting." Some may believe that an energetic meeting must be lively and fast-paced; others may believe that a meeting is energetic when they leave feeling energized and...more
For those of you that don't know, I started my business 9 years ago at the flea market. I think back of all the fun that I had and when I started selling off odds and ends that I had around the house.After being there for a while I noticed something...more
Making money through multi level marketing is another way to increase your earnings. For people who would want to conduct business from their home, owning their time and write their own paycheck without creating their own product? MLM will work. If...more
Audits are regularly issued by the Internal Revenue Service (IRS). There are two main reasons why an individual or business may be audited by the Internal Revenue Service (IRS). Random audits are not as frequent as they used to be; however, they do...more
The Resilience FormulaAnyone can argue the accuracy of the Millions and Billions now purported spent each year by business and healthcare on stress-related illnesses and workplace absenteeism. Nevertheless, whatever the correct number is it's BIG!...more