Nearly 20 years ago I worked for a small consumer advocacy organization in Washington, DC. Each week we received sacks full of mail from consumers across the country requesting our list of credit cards with low interest rates and no annual fees. If you wanted a low interest rate on a credit card back then, you often had to apply to a bank in Arkansas where interest rates were capped by state law. Those were the good old days. Now, interest rates...more
The internet has taken over our lives with a vengeance, and has changed the way many of us do business. More and more consumers are now doing their shopping online and, unfortunately, some business owners have felt the pinch. But there are many small businesses that have been virtually unaffected by the internet boom. Those professionals in the more service-oriented fields - veterinarians, chiropractors, beauticians, dentists and more - do almost...more
There are a number of key terms that investors should be familiar with. Though these terms are regularly banded about in many articles, they are not explained by many of the authors of these articles. The aim of this article is to explain a few more key terms which investors should be aware of when making their investment decisions.MARKET CAPITALISATION:The market capitalisation of a firm states how much the value of all the company's ordinary shares is worth based on the current share price. Hence for example if a company has 1 million shares in issue and its share price is £2 then its market capitalisation would be £2 million. This does not necessarily mean that is somebody wants to buy the company that he would be successful in acquiring the company at this price since it is usual for a premium to be paid above the current market price if someone wants to obtain control.NOMINAL VALUE:The nominal value of a company's shares is the amount that by law is credited to the Share Capital Account of the company. It is not the same as the market value of the company. Hence in the above example if the nominal value of each share were 50 cents then £500,000 would be credited to the...more
"Home Typing Scams" are one of the highest ranking work-at- home scams on the Internet according to leading Internet fraud watch dogs. You see these "Home Typing Jobs" advertised across the Internet. You probably receive their pitches in several emails every day. These companies typically target anyone who wants to work-at-home. Unfortunately,...more
If you're an up and coming graphic/web designer just out of university, you'll know it's quite hard to break into the workforce. You have to contact employers one by one, spend your time traveling and lugging your portfolio to their offices. Well, things have changed, and for the better let me tell you. Now you can make your own on-line portfolio...more
Hasn't time flown? Already we're into the last quarter of the year and isn't it perfect timing to clear out the cobwebs of winter and prepare yourself for the next few months of sun, sand, surf or is it work, work, work?You know it's time to take action when:You have difficulty finding things Your colleagues make comments about your mess You can't see your desk for the mess You cut your fingers in the filing cabinet when you try to dig out a file You have to push your body against the cupboard door to close it. The bookshelves are beginning to break because of all the weight. You've forgotten what your office floor looks like because it's buried under the mess In his bestselling book "Clutter's Last Stand, Don Aslett, America's No. 1 Cleaning Expert says:"Most of us attain, accumulate, collect, but plenty always seems to require more. Enough is never enough.Clutter CostsWe have to pay for it, keep track of it, protect it, clean it, store it, insure it and worry about it. This takes energy and effort (in fact, a great part of your life). Later we have to move it, hide it, apologise for it, argue over it.Clutter StiflesIt requires so much of our time to tend. Not only are our houses,...more
I'm always amazed that so many people spend most of their life at work and totally neglect their personal affairs.Many of the business people I work with want their professional lives to be in order, and admit that their personal affairs are in...more
If you're a college student, you probably already have a credit card. If not, you may have plans to get one or more soon. So why should you read on? Because financial debt is one of the main reasons that many students end up dropping out of college....more
Telecommuting is becoming a reality. Although Leave Administration is one of the simplest human resource tasks performed in a company, employees will realise that a paper based Leave Administration system is inefficient when a telecommuting business...more
How can we add Word Rich Content to our Websites without overtly duplicating others website content, and as an end product maintain our own Individualism? In theory Article Libraries are the answer to the above question. But, is it true that if you...more
Just happens to be public relations activity that alters individual perceptions leading directly to changed behaviors. PR pulls that off by persuading a manager's key outside audiences with the greatest behavior impacts on the organization, to...more
The rewarding of high compensation packages to top executives who turned over weak quarterly earnings, or who were involved in corporate scandals, adversely affected short-term investing, and collectively contributed to the downturn of the global...more