Running a business gets so demanding, that we often can'tsee the wood for the trees. We become preoccupied withensuring that everything in the business works the way itis supposed to. In other words, we spend most of our timeworking in the business.The problem with this operational focus is that it is easyto lose sight of what could be done in the business to makeit run better. The business will only prosper in the longterm if you devote a lot...more
Lying awake at night, you imagine how much money you could have if it wasn't for those enormous credit card payments. You could take a carefree vacation. You could fix up your house. You could BREATHE a lot easier. Debt free living seems like a dream to you. Did you know that five simple steps put you on the road towards a debt free life?Starting any new process requires a new way of thinking. The first step towards a debt free life is changing...more
Personal loans have a very old history of use in the UK. Banks, even in the yesteryears, would similarly lend money to people for a certain term. The manner in which personal loans are offered may have undergone a vast change because of the incorporation of new technology. However, borrowers' penchant for low interest personal loans sees no decline. What is it in a low interest personal loan that has borrowers transfixed to them?Most borrowers are very quick in answering this question. A low interest personal loan, according to them is the first step towards a low cost personal loan. Low interest personal loan is one where interest rate is charged at the least possible rate. Interest has the largest share among the several additions that are made on the personal loan. Every year, an interest at a certain rate is added to the personal loan. Interest signifies the opportunity cost. Had the amount been deposited at any other place, it would have earned a certain interest to the lender. The lending agency would try to cover the interest and the risk that is involved in the process of lending. These are the basic components of interest rate.A lower interest rate will add smaller amounts...more
Investment Advisors (IAs) come in all different intellectual, professional, and alphabetical varieties. They range in educational qualifications from High School dropout to PhD, and can be professional Accountants, Insurance Salesmen, Stock Brokers, Investment Managers, Dentists, Lawyers, TV personalities, and Gourmet Chefs. Anyone can be an...more
When my wife was enquiring me about the progress of the homeowner loan that we were planning to take, my six year old said something that put me to deep thought. The subject was the constant refusals by a large number of loan providers because my credit file showed adverse credit history. On this my son remarked that when needs do not cease from...more
Home is where the debt is.Debt reduction is about spending less money so you can pay off your current debts while not accumulating more debt. Car payments, Christmas shopping, and credit cards enable the amassing of debt rather quickly. When bills are coming every day and you don't know where to turn or how to save any more money, look at your own home.Everyday, you leave a light on. You turn on the air conditioning or you turn on the heater. You take a bath. Daily living requires spending of your money, whether you realize it or not. Daily living is the first place you can start reducing your debt.Cutting up credit cards is an easy decision. Limiting yourself to a budget is an easy decision. What about fixing a drippy faucet or turning the heater down a few degrees? These actions don't seem like they could save you much money. In fact, you could be saving a lot by doing just 7 to 10 things around the home.No one likes being in debt, yet most people are in debt. The hardest part of getting out of debt is deciding on getting out of debt. You have two choices, may more money or reduce your daily spending. What can you do in your daily living that could reduce your...more
Heavy gauge thermoforming is as much a staple to the returnable plastic packaging industry as Chevy is to General Motors. It's always been there, not known for its cutting edge design but more because it is solid, durable, and dependable. ...more
Here is a secret that may be difficult for you to believe, so prepare yourself. It is an extremely important secret that can have a most profound impact on your small business success, or it's failure. Let's start by asking a simple question...Do you...more
What I am about to say will make some people stand up and shout "hooray!" It will make others blush with embarrassment. Either way, take this advice and make your life a little bit easier.This is about email etiquette. When you are exchanging emails...more
Citibank recently launched a new credit card that takes away an important sting felt by many consumers: late fees. In an unusual move, the bank is now offering consumers "permanent forgiveness" for late payments and will no longer assess the...more
What does the phrase "team building" mean to you? Quad-biking? Abseiling? Propping up the bar with your work colleagues? Allow me to disagree.Let's look at the word "build" and see where that leads us. The Concise Oxford English Dictionary defines...more
Maybe it took the State of The Union address from President Bush to bring the concept of Health Savings Accounts out into the open for all to see. Whatever the case, this is an idea and reality that is long overdue and a great solution to health...more