Back in the early-1990's, after I had quit my job in higher education, I began my journey into the self-employment world by opening a business in which I made stenciled floorcloths and wallhangings and sold them at juried craft shows. The business wasn't going so well, and I wasn't really enjoying what I was doing, so I decided to enroll in an entrepreneurial training program, thinking that whatever I learned in there would help me build and...more
Headache #1: An employer shipped out copies of an expensive video program to dozens of distant managers without providing HR staff to either answer questions or ensure that employees were actually following and learning from the programs. Many of the managers turned on the videos in break rooms and left them running while employees came and went.Headache #2: During face-to-face anti-harassment training given by a lower-level supervisor, he let...more
Bad credit loans are in high demand. And if you do any research on "bad credit loan", you'll find plenty of advice on how to get the lowest interest rate. You'll also find plenty of people willing to give you a bad credit loan, but you'd be making a mistake to accept it. Unfortunately, most of what you'll find approaches the problem from the wrong direction. The way to get the VERY best interest rate on a bad credit loan is usually overlooked or concealed altogether. But before we continue, let's digress briefly and look at how significantly the higher rate for a bad credit loan affects the borrower. Let's say you want to buy a house, but have bad credit. No matter how diligently you shop for a lender, you're still be charged a higher interest rate for a bad credit loan than if you had good credit. With good credit, you might get a mortgage loan at 6% interest. But a bad credit loan will cost you closer to 12%. Assuming you get a $100,000 mortgage over 30 years, the difference you'd pay in interest amounts to a monstrous $154,461.60 MORE because you have bad credit. That's over 1½ times the loan itself! Now getting back to our original problem, how can you get a better interest...more
When you are in business for yourself, it is not easy to make those collection calls. Emotions, both subtle and forceful can come into play, on both sides. But as a business owner with outstanding Accounts Receivable, making the calls to collect your money can make or break your bottom line!Let's examine three emotions, and give you some tips on...more
You can turn your daily purchases into a fabulous Disney vacation. Bank One offers a new Visa Disney credit card that provides you and your family with great Disney rewards in exchange for making your everyday purchases using your travel credit card. You could turn your credit card debt into a fun-filled vacation or even valuable Disney...more
It has happened again, and again in a very big way. I am sure you have heard the news that General Motors is closing plants and letting some 30,000 people go. Some they will be able to relocate, some they won't.Ford has started announcing they will be "cutting back" and will have more to say about it in February. When asked if the cuts will go deep enough, Bill Ford said he thinks they will. This is all devastating news that we should all be concerned about. The manufacturing sector of our economy is the one sector that provides for our society in any country, a "ladder" that allows us to move from lower class economies to middle and upper middle class economies. Without manufacturing, it becomes more and more difficult for families to pull themselves up and obtain their dreams.Most manufacturing jobs provide up to nine other jobs in the local economy. Think about the local drug stores, dry cleaners, car washes, gardeners, fast food restaurants, independent auto mechanics, and so on, that are going to see their customer base diminish and their services not used as frequently. This will be a direct result of their local patrons no longer have the discretionary income they once had....more
If you have been looking into trading systems, then you realized that most published results are marked as hypothetical.This fact might have made you a bit skeptical. Does it mean that the system won't work in real time? The answer is no.Published...more
Can these high rates of appreciation in second home markets really continue? Many experts believe, "Yes!", it can sustain for a long run (not months, but years). The fundamentals of rapid appreciation equate to supply growing slower than demand....more
If you are looking for network marketing success, I would like to tell you that success in network marketing is not magic: there are no secrets. You should stop searching for exotic solutions and learn that success simply takes discipline and...more
With the debt levels at all time high, credit counseling agencies are reaping on the boom. However, as a consumer, it is in your best interest to choose a credit counseling agency wisely. In generally accreditation is helpful and an accreditation...more
It is 2006, an exciting time to be alive. Our economy in Alberta, Canada is booming. There are oodles of employment opportunities. Businesses are sprouting up on every corner. Where are you involved in this rodeo of life?Whoa your horses, Bucko!...more
If you're planning on buying a home after bankruptcy you'll want to read this article carefully.Buying a home is probably the biggest purchase you will ever make. Having a bankruptcy on your credit report adds an extra challenge.If you've read my...more