No matter how much money you make, it pays to keep on top of money coming in and going out. Even if you do a good job of that, there are important times in your life when talking with a professional adviser makes sense.Almost every major life event - finding or losing a job, getting married or divorced, having a baby, buying a home -- is likely to have a major impact on your finances. A new job may mean you are making more money -- no problem...more
You want to increase the flow of sales revenue, but you are stymied by prospects' seemingly endless objections. Prospects say they're not interested. They tell you your price is too high, or this isn't the right time. You've heard all the objections. What can you do to get rid of these once and for all? Engineering Your Marketing When I was seven one of my favorite ways to spend a hot summer day with my friends was playing a backyard game we...more
Whether you have no credit or damaged credit, secured credit cards are a good tool for building a good credit history.Several months ago Tom, a member of CreditBoards.com, filed for a Chapter 7 Bankruptcy. Now he is in the process of rebuilding his credit history. It's a task that is not easy, but with patient persistence he is seeing progress already. Daily he checks his credit score and is slowly seeing improvement. 1 In addition to correcting every mistake, even the smallest ones, on his credit report, he is using a secured credit card. 2 This secured card is an important tool in the overall process of building or rebuilding credit.Who should consider a secured credit card?Someone who has no credit history. Someone with a damaged credit history. What is a secured credit card?Secured cards are credit cards opened with a deposit into a savings account, money market or certificate of deposit. The amount of deposit required varies from card to card, but generally minimum amounts range from $250 - $500. These funds are considered your security and will even earn a little interest since they are being held in a savings account. Your credit limit is determined by the amount you deposit...more
Insanity in the Sign & Graphics IndustryEinstein's DefinitionAlbert Einstein once said "The definition of insanity is doing the same thing over and over again and expecting different results". Think about this quote for a second and ask yourself, does this quote apply to the way you run your company?Have you been doing the same thing over and over...more
With all the things you have to remember to do on a regular basis, balancing your checkbook doesn't always receive priority. But if you plan ahead and schedule some time for this important task, you will reap the financial rewards.Before you begin make sure you have the following items on hand: checkbook, ledger book, ATM and deposit receipts,...more
In the past, if you wanted to send money electronically through a wire transfer you only had a few options available to you. You could go to your local bank to conduct the transfer, or you could use the services of a company such as Western Union. But nowadays more and more companies are set up to provide wire transfer services, especially online. Companies such as PayPal, for example, allow almost anyone to send money worldwide through their website - and all you need is an e-mail address and a credit card. In addition, most local banks that provide online banking services now allow their patrons to send wire transfers through the Internet.So what exactly is a wire transfer? Essentially, a wire transfer is the transfer of money from one bank account to another. The transfer is always conducted by a third party, such as a bank or a wire transfer service provider. Because the transaction is carried out electronically, the money is never physically seen or touched by the person who sends or receives the money.Even with the advent of communications technology and alternative online banking services, however, most people prefer to carry out a wire transfer through the traditional...more
If you're a young person who has just begun to earn some money, it is very important that you know how to open a bank account. Once you do, you'll have taken the first step in a long-term process of financial independence and growth.A bank account is...more
Applying for a home loan may not be the most exciting way to spend your time, but if you are like many potential homeowners, it is probably a necessary evil. If you have some knowledge of the process ahead of time, however, it will go much more...more
Although it may seem very obvious, many people do not know how to write checks. With the birth of a generation that regularly uses ATM check cards, online bill payment systems, and credit cards more often than checks, check writing may risk...more
"I don't know the key to success, but the key to failure is trying to please everybody."--Bill CosbyHave you ever had a client/customer that was more trouble than they were worth? Maybe they were always late to pay, or didn't do what they said they'd...more
1. Connection fee: This is also known as Access Fee. This should be known to most of the calling card customers. This fee is charged whenever one calls to the destination. This usually varies from 5 cents to 1 dollar. The worst thing that can happen...more
Business etiquette is fundamentally concerned with building relationships founded upon courtesy and politeness between business personnel. Etiquette, and especially business etiquette, is a means of maximising your potential by presenting yourself...more