With each day's headlines announcing new corporate layoffs, rising unemployment rates, and an increasingly volatile stock market, it may seem counterintuitive for businesses to place much, if any, importance on hiring new employees. However, for companies with the foresight and optimism to think beyond the recession, there are a number of great reasons to take advantage of the current economic climate by putting an increased emphasis on strategic...more
Early in my career, I was fortunate enough to cross paths with a company that understood the value of smart, effective women. While their counterparts in the natural gas industry were still relegating us to waitress positions at Hooters, this outfit was actively recruiting us.My company was a good corporate citizen, but this was not about doing good. By being an "early adopter," they attracted the creme de la creme. Having capable women in...more
Superannuation is a method of financially preparing yourself for your retirement. Both yourself and your employer can contribute to it over time and this money is then invested into a variety of appropriate investments such as shares, property, savings accounts and government bonds.When you retire, or qualify for your superannuation due to disability or death you will receive the money (less charges and taxes) either as regular payments made periodically, a lump sum payment, or a combination of the two.The Superannuation Guarantee came into effect on July 1, 1992, making it compulsory for employers to contribute to an employee's superannuation fund.The minimum amount of the contribution is 9% of an employee's wages. This excludes overtime, fringe benefits and leave loading).However, not all employees are covered by this "guarantee". The Superannuation Guarantee Act states that employers are not required to contribute to the Superannuation Guarantee in certain circumstances.Some of these exceptions include: If an employee earns less than $450 per month; If an employee works 30 hours per week or less and is under the age of 18; If an employee is over the age of 70; If an...more
There are a variety of low cost international long distance calling products on the market today but each has been designed to fit the needs of a specific group of consumers. Marketers and product developers have tried to broaden the appeal of their products but all have certain limitations. The purpose of this article is to review categories of...more
The first year after my wife and I were married was a financial disaster. We were living paycheck to paycheck and not seeing a solution in sight. A friend and mentor suggested we try living on a cash budget. He could tell by the confused look on my face that I had no idea what he meant by a Cash Budget. He went on to explain the principle behind a...more
Maryland investment property is definitely something to consider, especially in light of the recent state of foreclosures. While foreclosures are bad news for the seller, they can be really good news for people looking to make a new and lucrative investment. Remember that with foreclosures, the parties involved would like to get rid of the property as soon as possible. While this does mean a good bargain for potential investors, it's also important to be clear about a few things.The Minimal Risk FactorOne of the biggest advantages of pre-foreclosure investments with Maryland investment property is that there is a greatly reduced risk factor. From the point of view of the seller, they want to get out of the house and be done with the bank as soon as possible. From the point of view of the bank, a house that is foreclosed doesn't make them any money. In other words, both the bank and the seller will be willing to sell as quickly as possible. This will probably mean reduced prices as well as more flexible payment plans.Some other factor to consider with Maryland investment property are any hidden or extra costs that come about when rehabbing the property. Because everyone involved...more
Real estate has always been a business full of powerful personalities. But can one person ¬create - or recreate - an entire luxury property market? Looking at the cases of Marbella, Belgravia, Bel Air and Monaco, it would seem so.Marbella and Prince...more
Studies have shown that attractive trophies and corporate awards are a powerful method of increasing a company's revenue and overall employee performance. No one knows exactly how much trophies and corporate awards influence a company's bottom line...more
A New Year has come on us, and again the search is on. Because of the rise in unemployment, many of us had to start looking into different careers or just improving on the skills we do have. If you're like me, I really don't have any money to spend...more
Are you an Information marketer? Do you develop your own products? Are unsure of whether your writing standards are to the level that people would by what you wrote?If you answered yes to any of these questions, the following information is for...more
In this article I will be answering the most common question that people ask me: what is a good trading method and what features to look for. I shall be delving upon why certain methods are not good and also a simple way to evaluate a trading method....more
The first thing to understand is that forex market is a global market created by banks, market makers and brokerage houses where trading in currencies takes place 24 hours a day and 7 days a week. The market is open to all and has the potential to...more