The minimum payment on next month's credit card bill could be almost double what you were required to pay this month due to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. How will higher credit card minimum payments affect your family's finances, and can your mortgage advisor help you avoid financial hardship or even bankruptcy through cash out refinancing, a second mortgage, or a home equity line of credit?Credit Cards can...more
Today's electronic world pushes the envelop further. With the advent of online trading systems such as eBay, many new forms of payment have flourished. First of all, on eBay, the mode of payment depends on the agreement between the buyer and the seller. Most often, the seller will specify his or her desired payment method. In these cases, the seller often has primacy in the decisions regarding payment modes. However, the buyer may still...more
Finance market is at peak reaching for new heights. Increasing number of lenders in the finance market has opened a new dimension for the borrowers to take advantage of borrowing money at competitive interest rates. Each lender wants to grab more and more number of borrowers and thus offer infinite number of loan options and that too at cheaper rates. Cheap loans are the latest addition in the loan category that offers cheap and easy loans to the borrowers.The word "cheap loan" is defined differently by different people. For some a cheap loan can either be a loan with the lowest monthly repayments for a sum of money, or to another a loan which has the lowest amount of interest repayable in total. A cheap loan can be in the form of cheap personal loan, cheap secured loan, cheap unsecured loan and the list is endless.The usage of cheap loan is not confined to middle or lower class people. It just implies that a loan is offered at better terms and conditions that go perfectly with the borrower's requirement. These terms vary from individual to individual. For a regular income earner, a lower monthly loan will help in saving a big sum of money. On the other hand, for a businessman...more
Everyone has a unique perspective of what constitutes an "energetic meeting." Some may believe that an energetic meeting must be lively and fast-paced; others may believe that a meeting is energetic when they leave feeling energized and uplifted.Regardless of your own personal viewpoint of energetic meetings, you can increase the likelihood that...more
For those of you that don't know, I started my business 9 years ago at the flea market. I think back of all the fun that I had and when I started selling off odds and ends that I had around the house.After being there for a while I noticed something quickly, that I could buy certain products from the "newbies" who were coming in and then throw it...more
Making money through multi level marketing is another way to increase your earnings. For people who would want to conduct business from their home, owning their time and write their own paycheck without creating their own product? MLM will work. If you have good leadership skills a self-starter and a hard worker where selling and promoting products does not give you shivers, MLM will work even better. If selling and promoting however is not your stronger points, MLM might prove to be a challenge for you since your success will largely rest on your ability to create down line. Aside from the advantages of MLM already mentioned, good MLM network provides their marketing and business plan. All the marketer has to do is basically to follow the directions that have already been set.When joining an MLM business team, the following are suggested.Choose marketers that are good developers of people - Many MLM business networks focus only in sales. Some do not even want its members to develop their own marketing tactics. Good marketing network do not just focus on numbers. They create good leaders out of their downline.Work only with the top marketers and earners - working with top earning...more
Audits are regularly issued by the Internal Revenue Service (IRS). There are two main reasons why an individual or business may be audited by the Internal Revenue Service (IRS). Random audits are not as frequent as they used to be; however, they do...more
The Resilience FormulaAnyone can argue the accuracy of the Millions and Billions now purported spent each year by business and healthcare on stress-related illnesses and workplace absenteeism. Nevertheless, whatever the correct number isÂ… it's BIG!...more
Sarbanes Oxley is not only the original Act, but also all the interpretations in the new (after Enron and World Com) legal and political context. There is no room to "forget" to include legal proceedings after Sarbanes Oxley. The Act imposes a number...more
Ahh... the entrepreneur's life... Many imagine that working from home is like being a Hollywood superstar: working leisurely in your pajamas, eating bon bons, and cashing paychecks you write to yourself. While managing your own business can be a life...more
If you have a poor credit history, it can be frustrating and seem impossible to find an affordable home loan. However, it is possible to find lenders that will accept your credit history, subject to fees and a number of conditions. You can also put...more
Why am I doing this? I just feel like I can't focus today! I feel like I'm not enjoying my job like I used to. What's the matter with me? I NEED A BREAK!!!!When you are CEO, head nurse, mommy, head of janitorial services, and chief crafts...more