Human beings are the building blocks of society. The societies agglomerate to make states. And then the nations are formed. The economy of a nation is the indicator of its prosperity. What the economy affects primarily are the people of a country. The technique, which uses the concepts of macroeconomics to achieve social goals, has been christened as welfare economics. Economics with all the data, tables, graph etc. can seem to be a very strict...more
In part one of this article, we talked about the importance of database management in the success of your business. If you haven't already started your database, it is absolutely critical that you go back to part one of this article and get started on your database before moving on to part II. This essential business strategy is the foundation for your goal of doubling your business in 2006.Now that you have your database underway, it's time...more
All the successful people I have ever known have had a mentor at some point in their life, someone who taught them and encouraged them to take risks with new experiences. I owe a great deal to the mentors in my life - Richard Ford, Krissy Jackson, Julie Hunt and more! I've also worked closely with kids as a mentor. Here's a bit of history: I spent my highschool and university years working as a mentor in an Emerging Technologies Program. When I work with kids, I use just one basic principle: I never do anything for them that they could do for themselves. I act as a resource and work to wake kids up to their passions. I cannot give them passion, and I do not give them any answers. They must find passion and answers themselves. When working with kids, we focus on answering these questions:What do you want? What do you have? What do you need? Where are you going to get it? What will you do with it? What do you want?What someone wants is a good indicator of who they are as an individual. We work to get what we want. Where we work, what we study in order to do that work, who we work with, and what we think about, all create and change our personality. This is where creating passion...more
Being the owner of an online business is one of the best feelings I know. The startup costs are very small in comparison to starting a "dirt world" business. Before the Internet, setting up in business was a high risk activity. You could invest thousands in an idea that you really believe in only to find and nobody else believes in it. I'm sure...more
When deciding on loans, make sure to do plenty of research. It is important to compare all the possible offers you have to choose from. Many times a payday cash advance from a loan agency is often one of the best choices as far as getting a low APR and finance charges. One aspect of payday loans that makes them appeal to almost anyone is that even...more
Lenders will often base the loans on the borrower's base salary from his employment and otherincomes. The lenders will calculate at times "100% of guaranteed bonuses or 50% of regularbonuses divided by overtime." Lenders will also factor in deductions from multiple incomes, and apply it to the salary from theannual repayments "to any existing loans." However, if the homeowner has repaid the loan amountwithin the next year, the lender often overlooks the gesture. Most lenders will offer high "multiples" and loans, reaching four times the base income. Few lenderswill offer as much as five times the base income, depending on the borrower's job. Despite the offers,homebuyers should consider their income carefully to determine if they can repay the debts.Homebuyers would be wise to consider an increase in equity loans, since the rates of interestconstantly change over the course of a year. By law, the lenders must adhere to the rates of interestset by the federal government. If you take out an equity loan, you must remember that the loan is intended to payoff your firstmortgage and then start repayment on the pending loan. Lenders require borrowers in most instancesto pay "5 to 10%"...more
Is your business growing and expanding? Do you find that you are offering more products and services? Do you feel the need to hire other people to do certain tasks that you simply can't do yourself due to the lack of time and experience in that...more
The ads are so tempting, and just think -- what if you could make hundreds of dollars a day working from home? Unfortunately, people are losing money every day to work at home scams. Don't become a victim. Here are some ways to make sure you don't...more
Since the Reverse Mortgage for Seniors program is all the rage these days, let's take a look at what is required to qualify for and to obtain a reverse mortgage. In the United States, a person must be at least 62 years of age and own their own home...more
A car, home, holiday to favourite destinationÂ….- who doesn't want all that! Few years back it was not so easy to plan all that especially if you did not have the necessary funds. Now it is! Personal loans are making possible for everyone to borrow...more
Various companies online are offering equity loans to homeowners. It depends on the lender, butsome offer equity loans at rates as low as 1% rates. These rates may seem appealing, buthomeowners are encouraged to read on to find out how much the 1%...more
Negative equity is the difference between balance and equity. In other words, if you are applying foran equity loan and the balance owed on the home is greater than the value of the home, then this iscalled negative equity. One of the loans you could...more