If you have heard fund managers talk about the way they invest, you know a great many employ a top down approach. First, they decide how much of their portfolio to allocate to stocks and how much to allocate to bonds. At this point, they may also decide upon the relative mix of foreign and domestic securities. Next, they decide upon the industries to invest in. It is not until all these decisions have been made that they actually get down to...more
Merit-based financial aid is one of the main financial aid packages awarded based on their merit or merit plus of students. Merit-based financial aids usually come from state or federal sources or private sources. These types of financial aid packages are intended to assists students to help their college expenses. Merit-based financial aid need not have to be repaid. The rules and regulations of financial aid packages are based on the federal...more
Liberty League International the leading developer of personal development systems hosts some of the best training events. These events are designed to teach the Liberty League independent distributors how to build a very successful business. The events include presenters who have created unparalleled results in their own lives and have impacted the world with their achievements. These presenters share their motivating messages and success stories to demonstrate the power of a well-lived life.Liberty League International continues to blaze the trail in innovative strategies for marketing, and providing an environment that assists people in developing leadership skills. By changing mindsets and habits, their training events help people accomplish more than they thought possible, do more than they ever imagined, and become more than they ever dreamed. It is not about working harder, or even smarter, it is about becoming more valuable and better understanding how to truly add value to the lives of other people. This is the path to long lasting financial wealth. Liberty League training events offer the perfect opportunity for people who are ready to take control of their lives and...more
A wage garnishment is a legal procedure through which a percentage of a person's earnings are withheld by an employer for the payment of a debt. Most wage garnishments are made by court order. Other types of wage garnishments are of legal or open procedures made by the IRS or state tax collection agency levies for unpaid taxes and federal agency...more
Invoice factoring refers to the practice where smaller companies sell invoices in order to receive money today. IN this case they do not have to wait for a credit period of 30, 60, or 90 days. Thus by selling invoices smaller companies do not create debt. This practice of invoice factoring is basically used as a finance management tool. This...more
Whether it's a business loan or a personal loan, there are several common loan application mistakes that many businesses and individuals often make when applying for a loan. Avoiding loan application mistakes is your most valuable tool in being approved on a loan. The following common loan application mistakes can interfere with loan approval.1. Being unaware of your credit rating.Before even attempting to get a loan, know where you stand. Request copies of your credit reports from Experian, Equifax, and Transunion, which are the three major credit reporting agencies. Your reports will show whether or not you've made your payments on time, or if you've defaulted on a loan, declared bankruptcy, or had any other financial problems. Additionally, it will show positive items, such as when you've paid your bills one time, or when you've paid a loan in full. Consistently paying your bills as scheduled shows that you're worthy of a loan, and is very attractive to a lender. If your credit has undesirable listings, be aware of them, and be prepared to explain them to the lender.2. Not understanding the loan terms before signing.Avoid the most common loan application mistake, and make sure...more
In today's ever changing economy, it's hard enough for the average working individual to make ends meet, without a wage garnishment, while supporting themselves or their families. Sometimes living pay check to pay check with the regular bills and...more
Q: One of my former employees has started a competing business and is calling my clients and trying to steal their business from me. Do I have any legal recourse against him? -- Brad J.A: I hate to break this to you, Brad, but unless this former...more
Last week we discussed the importance of performing an autopsy on a dead business. No, I haven't been watching too many of those wonderfully graphic, TV forensic investigation shows. The reason I recommend you do a business autopsy is to uncover the...more
Have you ever focused on something so intensely that your senses seem to shut off? Imagine being a jockey at the helm of a Belmont Stakes contender. Your horse is breathing hard, but you barely notice it. Your body is rocking in tune with the flow of...more
Flexible-benefits Plan (FBP) is an employee benefits plan which helps the employees' to save considerable amount of taxes by paying certain expenses from their pre-tax income. Some of the eligible expenses from pre-tax income are medical, vision,...more
I was asked the other day what personality traits I thought were important to entrepreneurial success. I immediately gave my preprogrammed reply about passion and dedication and hard work. After taking some time later to ponder the question a little...more