It's easy to get swept up in the romance of the holidays and the joy of being with the one you love. For all those couples who will become engaged during this season and even through early next year, there's more to consider about making a lifetime commitment than ring sizes and wedding details. To set yourselves up for a lifetime of success, you need financial guidance to prepare you for financial issues you'll face during...more
Moneymaking opportunities abound for factoring brokers and cash flow consultants. Why? It's a worn out news story, but banks are still holding tight to their lending dollars in the struggling economy. As businesses look for alternative financing the demand for invoice factoring is on the rise.Think of the factoring broker as a marketing division that only gets paid when deals are closed. The broker locates a business in need...more
Do you know how much money you need to save to meet your retirement goals? Have you started to save for your children's post-secondary education and college? Will your family be able to maintain the lifestyle that you have established and created in the event of death or disability? These are just a few of the many issues that can be addresses in a business plan.Most people have not determined their financial goals let alone developed a plan to reach them. You should first make basic decisions on the road to start your planning process. It is often said if you do not plan where you want to go you will end up somewhere else.You should and must follow a systematic approach to ensure that your goals are well defined and that are set of achievable steps are established and appropriate benchmarks have been put in place.Should you use an investment planner or another outside party? That is a very good question. Woody Allen's joke in 1960 was that an insurance salesman was a person who invested your money till it was all gone is as timely and accurate as it was in the 60's.Only the titles have changed to fool most.The current term is now "Investment Counselor ". Or "Wealth...more
When you want to win money gambling, or in a lottery, or you just want to attract more money into your life, in general, there are several good luck charms and good luck amulets that are more suitable for this desire or need.I am a purveyor of good luck charms and amulets that really work and it would seem one of your best bets (pun...more
When bills, and repairs, and house payments, and over due mortagage payments, and many other things have you down...#1: Hang in there, and don't despair...things will improve eventually, and #2: Maybe you can win some money gambling or from a lottery prize!First, get a powerful and effective good luck charm such as the Indian Medicine...more
PREAMBLE: The only way to take control of your life, raise your standard of living and move beyond merely surviving is to create your own unique product or service that you offer to increasing numbers of people in exchange for the things of value that you desire. This simple formula applies to countries as well as people. A self-sufficient economy has its own products or services of value to export to the world. Similarly, a self-sufficient individual has something of value to exchange in the global marketplace. That thing of value is based on your natural talent, skill, or interest-in other words, your passion.NOTE: The following article was originally written for the citizens of the island nation of Saipan. It therefore includes references of a nature unique to that nation's economic situation. When you think of what can help the you elevate yourself from your current economic situation, it's important not to lose sight of a few important ideas and truths about money, value, and economics.I. MONEY IS A MEANS OF EXCHANGE No one ever gives you money except in exchange for something of value.II. EXCHANGE IS THE REAL ISSUE Don't let anyone mislead you. The only reason...more
Capital Budgeting Process * Dr. P.Shanmukha Rao ** Dr.N.V.S.Suryanarayana Capital budgeting is a complex process as it involves decisions relating to the investment of current funds for the benefit to the...more
Not every photographer is a professional. Of this I am guilty.But I really like my Canon EOS 30D. And, although my camera is not a pro dslr camera, I have obtained some genuinely excellent pictures with it. I have also earned some...more
Kinds of Capital Budgeting *Dr.P.Shanmukha Rao **Dr.N.V.S.Suryanarayana Every capital budgeting decision is a specific decision in the given situation, for a given firm and with given parameters and therefore, an...more
Term Life No consideration seems quite interesting, is not it? I mean the ability, life insurance without a physical exam, almost too good to be true seems to arrive. Would really like to know how to see one of my health insurance or if...more
Money Budgeting is a phrase that either bores them too much, or makes them depressed. But, this is how successful people deal with money - they budget. It's a lesson that must be learned to succeed financially in this life. Here is some...more
People whose investment horizons are limited to the likes of stocks, real estate or gold may not give a second thought to amulets, but in Thailand it's a flourishing trade with an estimated market value of 10 billion Baht.Collecting...more