One of the most basic, yet least discussed or applied processes of personal finance and financial management is that of prioritizing. Before getting to the important issue of budgeting, it is essential to sit down and asses your priorities. The first thing to do is to focus your objectives. You will, in all likelihood, not achieve every financial goal or dream you've set for yourself. There is, after all, only one Warren Buffet and one Bill...more
According to a study by The Boston Consulting Group done during the last economic slowdown in 2002, companies avoiding mergers and acquisitions in the current economic environment may be missing a strategic opportunity. The study analyzed 277 M&A public transactions occurring in the United States between 1985 and 2000 and concluded that mergers taking place during periods of slow economic growth have a higher likelihood of success. Even more...more
There is no doubt about it, it is a scary time for any business owner and their employees. Anyone can see when they take a walk down Watford High Street the number of empty shops. Currently the high street has 25 empty shops, all looking rather dismal and in some cases rather unattractively boarded up.This has even spread into the Harlequin Shopping Centre. I can remember when it was a rarity to see any unit empty in the Harlequin, in fact businesses were queuing up to get their hands on such a prime location. Now as you walk down both floors you are greeted with an unprecedented number of empty units. With business rates on the constant increase and the economy on the decrease it has to be hard for any business.Its not just the small businesses either that are disappearing, many large chain stores have been bitten by the crunch. It doesn't seem to shock anymore when you hear a well known established name in the press that have gone into receivership.With that in mind it is no surprise that the number of people claiming Job Seekers Allowance in the Watford constituency has risen to its highest level since 1997. 2009 has already seen an increase of over 200 claims.Sal Brinton,...more
Running a farm can be hard work, especially if you don't have the right equipment. While it can be rewarding, farming doesn't always provide you with a lot of money, however the equipment costs for operating a farm are substantial. If you should be unfortunate enough that your equipment was to break down you may not necessarily be able to afford to...more
Whether you are a big-time construction contractor or run a much smaller operation, you are undoubtedly always on the lookout for great deals on heavy equipment. Though the traditional methods of finding heavy equipment are still flourishing, one way in which you can buy heavy equipment that is gaining popularity is through the Internet. It's true,...more
Loan Modification is a long process in which paperwork is submitted back and forth to the lender or bank and analyzed and reviewed. Additional documents may be requested by the lender and and reviewed further. This process can take upwards of 90 days until a loan modification is acheived. To be efficient at this entire process, a loan modification representative must be attentive to each step and make sure the documents needed are in order and ready to submit to the lender.The first step initially is consulting with the client and itnerview them about their current situation.This is where you ask your client the following questions:Are you currrently late on your mortgage?If so, how many months? Are you in defaul on your payment?Why are you late?These are some of the basic questions asked during the interview phase of the loan modification process. What is important to remember is to probe and find out what the reason is for your client being late on their mortgage. This is very important when drafting what is called the hardship letter. The hardship letter is a letter sent to the lender which outlines why the client is late on their mortgage. This could be due to a number of...more
RNCOS has recently added a new Market Research Report titled, "Chile Food and Beverages Market Outlook to 2013" to its report gallery. As per our new research report, "Chile Food and Beverages Market Outlook to 2013", consumer spending on food and...more
PEI is a little island paradise situated off the Canadian east coast in an area known as the Maritimes. PEI has a year round population of approximately 140,000 people but as it is a vacation destination in the summer, this number greatly increases....more
Author: Mary Mukami GachondePrivate lenders personal loan is ideal for people with good credit history and also a good steady income source. However, it does not matter whether you own a home or not since there is no collateral required. The amount...more
IVA Debt consolidation advice seems to be found all over. It is usually meant to persuade you that you need to take out another loan to consolidate their debts with the sole intention of solving your problems. Well, to tell you the truth, this is...more
I am quite sure you may be reading this article because you are considering the idea of starting a network marketing internet business. I must allow myself to tell you that you are making a pretty clever decision and I think it is so because the...more
Surely you are interested by now to invest and trade in the foreign exchange, or at least interested to know how it can work to give you fast money. There are some fundamental principles on forex that can distinguish between successful traders and...more