Working at home is something that appeals to many people. The benefits are great. The problem is that many people have the same idea, so finding a home business is sometimes difficult. There are plenty of opportunities, but if a person doe not know where to look they could miss out on the best ones or worse, not find one at all.Most home businesses take place in cyber space via the internet, so it is only natural that it be the place to look for...more
Retirement doesn't mean the end of an active lifestyle. Quite the contrary, it opens up new opportunities for many new activities. Some retirees substitute voluntary community work for their former work. This gives definition or meaning to their roles after retirement.Household work, volunteer work, family roles and community service actually increase after retirement. The familial roles of grandparents increase because of the expanded time...more
If you have heard fund managers talk about the way they invest, you know a great many employ a top down approach. First, they decide how much of their portfolio to allocate to stocks and how much to allocate to bonds. At this point, they may also decide upon the relative mix of foreign and domestic securities. Next, they decide upon the industries to invest in. It is not until all these decisions have been made that they actually get down to analyzing any particular securities. If you think logically about this approach for a moment, you will recognize how truly foolish it is.A stock's earnings yield is the inverse of its P/E ratio. So, a stock with a P/E ratio of 25 has an earnings yield of 4%, while a stock with a P/E ratio of 8 has an earnings yield of 12.5%. In this way, a low P/E stock is comparable to a high - yield bond.Now, if these low P/E stocks had very unstable earnings or carried a great deal of debt, the spread between the long bond yield and the earnings yield of these stocks might be justified. However, many low P/E stocks actually have more stable earnings than their high multiple kin. Some do employ a great deal of debt. Still, within recent memory, one could find...more
Did you ever think about becoming a Trading Assistant? Where you basically sell other people's products and receive a comission? Alot of companies know about eBay but don't have the time to learn. Or are just "old school" and don't care to learn.So why not offer your services to them? You already know eBay. And now this lines you up for unlimited...more
November 2004's publication of the Health and Safety Executive's new Management Standards for work-related stress has focused the minds of many organisations on this increasingly serious workplace hazard. But what are the differences between pressure and stress? What are the telltale signs and symptoms? What's the current legal position? And what...more
There is a delicate balance between the fee you need to charge for your products and services, and the fee that people are willing to pay for them. But with gasoline, heating, shipping, health care, and other costs rising, there comes a time when you must raise your rates in order to remain profitable.Most people see their own costs going up, and won't be surprised that you're raising your fees, too. With proper communication about it, you should be able to raise your fees effortlessly.Here are some tips on how to go about it:1. Don't let fear and limiting beliefs stop you from raising your fees. If you hear yourself making excuses that you don't know are true, it's probably your fears and limiting beliefs raising their ugly head. Some of these include, "All my customers will leave if I raise my rates," or "I'm not worth the new rate."2. Have a clear idea of where your break-even point is, profit wise. No matter how tempting, you cannot make a loss on a sale. In fact, it's not just about what you "need" to make, it should be about what you "want" to make, too.3. Base your fees on what the benefits and results of using your product or service are worth to your customer. For...more
With the end of 'a job for life', the ticking of the demographic 'time bomb', and the ever-increasing pace of new technology, employers are having to consider a wide range of new working patterns that take account of this rapidly changing work...more
If you own your own independent business, there are two organizations that hopefully your are already aware of. They are doing great work promoting small, locally owned independents by promoting community and government involvement. It takes all of...more
Starting a home business is a big undertaking. There are key elements to properly set up a home business. If anything is forgotten or left out it could make starting the business difficult or impossible. The following are key elements that every home...more
Well, we're all reeling from our utility bills. So, what can be done to cut energy costs?Obviously, the best way to cut your utility bill is to go with a non-utility company source of energy. Solar power can be used to warm your house, while...more
Correctly Pricing A Business Is Important If You Really Want To Sell It!As a consultant I talk to many business owners, brokers, and agents on a daily basis about valuing businesses. It always amazes me on how some of these individuals come up with...more
Let me first say that I do not now engage in technical analysis; nor, have I ever engaged in technical analysis. I do not believe doing so would be a productive use of my time.Having said that, I do not claim technical analysis has no predictive...more