Handset is another term that means different things to different people. Handset is used to describe the receiver on a phone, an entire phone or a cell phone. It is sometimes mistakenly used instead of the word headset. For the purposes of this discussion, we will define a handset as the receiver or the part of the phone that you hold to talk and listen.There are many handsets made for different phones. Our company, Applied Voice and Data deals...more
A reverse mortgage can be an attractive option for many home-owning seniors that are having a hard time making ends meet. With a reverse mortgage, a senior homeowner will receive money for their home equity from a lender without having to make repayments for as long as they live in their home. So with the right reverse mortgage a senior homeowner can maintain their standard of living while retaining ownership of their home.This of course, is the...more
Papers are one of the scourges of the modern office. Even mine tend to take over, if I am not very careful. So how do you get a handle of those never-ending piles of paper that accumulate on your desks, especially if filing is not one of your strengths? There ARE solutions, including some that don't even include filing! So how do you go about it, if you can't deal with filing, or are afraid that anything you file will be forgotten?1. SORTFirst, set aside a couple hours during which you are unlikely to be interrupted. Then group all your piles together - if not all in one pile, at least all in one area of the room. Now go through all your papers, and decide if they belong to:- Papers you haven't touched yet- Papers that you need to do something about (such as an invitation with a RSVP, or an article you want to read, a letter you need to answer, etc.)- Papers that you don't need anymore, but need or want to keep because they have legal value or you know you will need to use them again.- Papers that can be thrown away Don't read the whole document, just enough to know what you need to do about it. If this is a problem, one solution I have used with a client is a beeper that is set to...more
Everyone knows how difficult it can be to establish credit. It's the old "chicken and egg" situation - you need credit in order to get credit. The fact that you have nothing in your history to suggest that you will not repay a loan will not help you get one. You need to have something in your credit history that suggests that you will repay the...more
A reverse mortgage can be an attractive option for many home-owning seniors that are having a hard time making ends meet. With a reverse mortgage, a senior homeowner will receive money for their home equity from a lender without having to make repayments for as long as they live in their home. So with the right reverse mortgage a senior homeowner...more
Fundamental AnalysisFundamental analysis is a methodology for analysis of a company as a viable stock that you want to hold for long term. Fundamental analysis is more widespread in the world of investing since you are going to hold your companies for 10 to 20 years, you do not wish that your companies go bankrupt the next day. Some of the common ratios used are P/E ratios (price earnings ratios) which measures the relative price of the stock to the earnings of the company, the EPS (earnings per share), the debt equity ratio and tons of other ratios. Although I have spent considerable time studying such ratios I discovered that you do not really need such information to be successful in day trading. I repeat, fundamental analysis plays a marginal role in day trading. In fact, most of the time, I don't follow it at all. If you still have reservations about ignoring fundamental analysis, I recommend trading ETFs (exchange traded funds) such as QQQQ which mirrors the movement of the NASDAQ 100. In essence, you are actually trading the index like a normal stock. Indexes usually have a huge number of stocks in them, making them less susceptible to company specific news. However if you...more
Design for Six Sigma (DFSS) is the application of Six Sigma principles to the design of products and their manufacturing and support processes. Whereas Six Sigma by definition focuses on the production phase of a product, DFSS focuses on research,...more
This time it will be our own governments mostly that will do the victimizing but some businesses will get it on it as well. Its simply one of the biggest revenue generating processes utilized by various levels of governments that very little is known...more
If you are involved in sales, fundraising or just an active networker, you have probably tried a variety of tools to manage your contact list and remind yourself to stay in touch with all of the prospects and people you meet. This tickler file is...more
Whether you have excellent credit, good credit or poor credit; make a great income, middle income or low income; have too much debt - are self-employed - have a loan with a pre-payment penalty - or need to rebuild or renew your credit...YOU MUST TAKE...more
Securing a mortgage for the first time can be a frighteningtime in your life. You want to make sure you understandwhat is going on so the mortgage lender cant takeadvantage of your lack of knowledge.In spite of numerous laws and regulations it is...more
How you spend and manage money is a tangible way to measure your values. 1. Are you able to keep the promises that you make? When you borrow money you are making a promise to the person or financial institution that you borrow from to pay the money...more