Although it would be wonderful if debt would magically disappear, the only way to get rid of it is to pay it off. Almost everyone has some sort of debt.Although getting rid of debt is not as simple as accumulating it, there is a way you can put a stop to the downward spiral. There is a three step plan that can eliminate financial problems for everyone. The three steps to solving your debt problems include: inventory, prioritize, and rollover.Take...more
O.K., press releases, broadcast plugs, special events andbrochures help business, non-profit, government agencyand association managers move a message from here to there. And that's an important and useful function, butthat's all they are.Communications tactics by themselves are not the high-impact PR action plan those managers need if they are to experience the best public relations has to offer.That action plan will call for them to...more
When you start your hunt for the best credit card what you're really searching for is the best credit card for your particular situation and needs. You may, for instance, be someone whe travels a lot for business or pleasure. Travel credit card discounts may be the best credit card option for you. You may be someone who has bad credit. There are credit cards especially designed for folks like you - these would be the best credit card options for your circumstances. If you are a shopaholic, for example, the best credit card for you might be one that gives rewards in the way of incentives and percentages back on purchases. Of course, there are some things that make a card the best credit card for many, if not most, credit card users. These are the ones with the lowest APR (annual percentage rate) and the lowest annual rate. Some cards - in fact, many - have no annual rate at all. One such card may prove to be the best credit card for you, assuming that there aren't hidden fees that ultimately cost you more than you've saved in lower APR or annual fee. Keep in mind, though, that the better your credit history, the lower the APR you're going to find on a credit...more
When you have bad credit you wonder what lenders will offer you for a mortgage deal on your home. The big obstacle, as you know, was your bad credit history. To add to the all the fears, there were a few pals of yours who held that the deals offered to you will not be as good as regular mortgages.However, before you decide not to mortgage because...more
Today's borrowers refinancing to shorten the term of the mortgage. However even at low rates, a shorter term means a higher monthly payment. The benefit is that you'll build up equity faster and pay far less in total interest over the life of the home equity loan.Consider Tony Nelson, 49, a real estate broker and his wife Merrilyn, 56, a...more
My address book is full of names of people who worked hard, "paid their dues," persevered . . . and then JUST when they became big money earners and had arrived at the top of the leadership ranks --- THEY came (the company management), they saw (the big bucks), and they conquered (changed the comp plan, changed the rules).I call this one the "What Have You Done for Me Lately, Baby?" syndrome. Why is it that some limited-thinking micromanaging company executives believe that they alone are responsible for the MLM company's success? That mentality baffles me.Here's how it goes: a top distributor like you attracts, enrolls, trains, and develops dozens of leaders and perhaps thousands of distributors who basically are "smart consumer" types.At first, if you're like some of my industry friends, corporate management really caters to you. After all, they couldn't get their company off the ground without your help. They have already discovered that. I have yet to see the first product that totally sells itself.So, there you are --- being wined, dined and catered to. The management and you become one --- they have searched their whole corporate life for you (they...more
Tax time is just around the corner. Are you getting a big refund this year? Well if you are, you are THROWING AWAY BIG MONEY!CHANGE YOUR EXEMPTIONS ON YOUR W-4.This is not the number of your dependents but the number of your exemptions!If you are...more
From being locked out of home on the coldest day of the year to running out of hot water when getting ready for a date, a quarter (24 per cent) have spent at least £200 putting something right that has gone wrong at home at the worst possible...more
If you want to have a fighting chance in the business world, you'd better be an effective communicator.Here are three steps that will help you operate as a truly effective communicator.Step #1. Know your outcome. An effective communicator knows...more
When it comes to running a business, much of the necessary focus is on the bottom line. Many businesses, however, fail to realize they can seriously cut energy costs by going solar. Tax Incentives Federal and State governments know the best way to...more
Investors are now starting to move their investments to the most recent investment trend: Making money with E-gold.When you make an investment in E gold is a all about a profitable system that allows you to capitalize from the money that is moved...more
The term "market analysis" is often confusing to entrepreneurs, especially for people who focus on a specific niche or market segment.In fact, many small business owners don't understand the process or complain that conducting a market analysis...more