Obtaining the skills for writing good business correpondence is important; a job seeker needs to send customised job application letters. A secretary needs to send out an official invitation letter. A purchasing assistant may need to prepare an invoice. It does not necessarily imply that you must just have a good standard of English. You should remember that correspondence means to communicate a message. It is a two-way effort between the writer...more
Every new business owner knows that a business plan is critical - it is drilled into them by potential investors and every banking officer they meet. So why is something that is so important to the launch of a new venture so difficult to write? Good question! In this article I will try to address when you should go out and hire a business plan writer versus taking on the task yourself. First time entrepreneurs often cringe when sitting down to...more
There are two main roads to improving your personal finances: increasing income, and cutting costs.Increasing income is the harder road to travel. After all, you can't always get a raise or a new job when you need one.But cutting costs, that's a different story!You're in complete control in this area. And all it takes is some imagination and discipline-both of which are free.Below are five major ways to save money in the basic areas of food, shelter, clothing and transportation. They're major expenses in your life - and places for major savings.1. Home CookingFood is a major expense in everyone's budget.But, in today's convenience food society, it's easy to overlook how much money can be saved by cooking meals at home. Plus, it's fun, creative, and healthier to make your own meals.The key is to cook in "bulk" to stretch the food you buy over several meals.If you're a busy person with little time to spare, a good investment is a slow cooker (or crock pot). Generally, they run from $20 to $80, depending on the size.With a slow cooker, you can set aside some time on the weekend to cook stews, soups, and other delicious meals that can be frozen for weekday use.After a hard day at...more
Sure you have catecholamines - all speakers do. (including Sir Winston Churchill and Presidents Kennedy, Carter, and Reagan.) Those are the chemicals that make you sweat, make your heart beat fast and make your hands shake. Get rid of those chemical and psychological reactions by becoming message-centered and audience-centered, not...more
The pitch "Business For Sale!" may be your key to a Profitable Home Based Business! In fact, your GOLDEN Opportunity may be just a FEW CLICKS AWAY!... But most people NEVER even know that a profitable, proven, growing home based business that COULD be theirs might be right under their nose! 99% of the people seeking a home based business go to the...more
From the book 'The Stockopoly Plan' by the author Charles M. O'Melia There are several factors an investor in the stock market should consider: 1. All stock purchases should be commission-free. 2. All stocks purchased should be from a company that has a history of raising their dividends every year. 3. The company should not only have a history of raising their dividend every year, but should also show price appreciation in the market place, on a year to year basis. 4. All dividends from the companies should be rolled-over into more shares of the company, until retirement. This should be done by the company, for the shareholder, commission- free. 5. The companies purchased should have staggered dividend pay-out dates so the income from 12 companies will provide the shareholder cash dividend income every week of the year. No more than 12 companies should be owned, otherwise, you're probably spreading your money too thin. 6. A systematic approach of dollar-cost averaging should be done on a quarterly basis. A savings plan should be adopted to add to your holdings every quarter, along with the dividend reinvestment. 7. Stocks purchased should pay a dividend...more
Have you ever felt trapped in a Rat Race and wished to retire quickly but rich?Have you ever felt that you are spending way too much time working with your boss at your office instead of with those you love? Your spouse, children, friends?Have you...more
You're a bright, successful business executive making good money and managing a capable staff of accomplished professionals. You are successful beyond your wildest business school dreams. You've achieved much-yet something's missing. On the surface,...more
"Menis - the author translates as "indignant rage" - It is the kind of rage arising from social betrayal that impairs a person's dignity through violation of "what's right." (p21), Achilles In Viet Nam - Combat Trauma and the Undoing of Character,...more
We're all entitled to the opportunities and benefits of home ownership. But because most of us aren't loaded with cash, we must find banks and lenders to assist us with finance. No matter what your credit history is, or what your circumstances are,...more
Here's a dirty secret, today's "non profit credit counselors" are often just front organizations paid lucrative commissions by creditors to keep consumers from declaring bankruptcy! In the "debt collection biz", creditors will sell your outstanding...more
Most businesses want to be able to borrow money when they need it, without the owners having to guarantee the loans personally. This means less risk to the owners. But wanting to get credit for your business and actually getting it can be two...more