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 not only essential to cultivating savings, it is also important for day-to-day financial activities. Before you decide what bank or financial institution with which to do business, however,...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 smoothly.Home loan applications tend to be very long, but if you are prepared ahead of time you can finish the application procedure without breaking a sweat. Before you begin filling out the form, make...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 extinction due to ignorance.Luckily for you, this article will take you through the process of properly writing a check step-by-step - so that there may be hope for future generations of check writers. The first thing you should do is write in the date using any format with which you feel most comfortable. Just make sure that you write it legibly, so that there is no confusion as to when you wrote the check. If you want the recipient to have the money right away, put in the current date. If you want the recipient to withdraw the funds at a later date, however, write in a future date. This is called a post-dated check. Rent checks are often collected in this manner.Secondly, write the name of the person or organization that will receive your check on the line that is preceded by the words "Pay to the Order of" or "Payable to." Then write the dollar amount that you want to send to the recipient in the small space that starts with a dollar sign ($)...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 do. Maybe you just had a personality clash, or they expected more than you were able...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 with this connection fee is, when the card buyer makes the call and either the answering machine...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 positively.Writing a business letter is not simply a matter of expressing your ideas clearly. The way you write a letter and the etiquette you employ may have a significant impact on your success or failure in business.Failure to observe correct business letter etiquette can result in you adopting an inappropriate tone, causing offense or misunderstandings, lack of clarity or purpose and hostility or soured relations.The foundation of good business letter etiquette is 'Think before you write'. You should be considering who the letter is addressed to, how and why? This will then influence style, content and structure.Here we cover some of the main issues relating to good business letter etiquette:Addressing the LetterAlways make sure you have spelt the recipient's name correctly. It may sound simple, but you would be surprised at how many people fail to do so. The recipient's name should include titles, honours or...more
Three highly respected names in Human Resources have joined forces to provide companies with a revolutionary blend of services that make the hiring process more efficient and effective. The partnership joins three companies: NAS Recruitment...more
Using a ghostwriter to craft your free reprint articles and marketing materials is an excellent way to maximize your time and profit. The fastest and most effective way to find a freelance ghostwriter or editor is to post your writing projects on an...more
Open Source applications can bring unique value to business owners. Since the base application development costs of open source applications is free, small and medium business owners are able to leverage previously unobtainable technolgies against...more
Real estate continues to be a very important part of any financial wealth building strategy. Most wealthy individuals have real estate investments as a portion of their overall net worth. Carleton Sheets has been in real estate since the 1970s and...more
Newspaper advertising is a tremendous source of new business that for so many businesses doesn't ever reach its true potential. These 3 steps will help you change that forever! You're about to find out the mistakes that your competitors...more
I decided to write this article today after closing a home purchase loan for a couple that had some major credit issues. They got into the house with ZERO down payment, and only had to bring $600 for the closing costs. Their situation was pretty...more