One day, while you are shopping at your favorite department store, the sales clerk says to you, "If you apply for our credit card, you can save ten percent on your purchase." You think about it and decide, "Why not?" You provide some information to the clerk and a minute or two later, your credit card application is approved, your discount is applied, and you're on your way home.Was this a smart thing to do? There are several reasons why it may...more
Network Marketing is a powerful tool.The wealthiest people in the world and Network Marketers know the secret to creating true wealth. They have been focusing on it for hundreds of years. They understand the difference between linear and recurring income.Recurring income is when one performs the work just once and gets paid over and over again. An example would be a rock star, best-selling author, inventor, actor, commercial real estate developer...more
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 grow my business.One of the more interesting tidbits that I remember from the program is a conversation on what business each of us was really in. I, of course, thought I was in the crafts business -- anybody could see that as plain as the nose on your face. What I discovered in this process is that many times we are not in the business that we think we're in, and shifting that mindset may make all the difference in the success of your venture. One example given was the McDonald's restaurant franchise. Now, call me silly, but I had always thought McDonald's was in the restaurant business. It seems, however, the McDonald's is really in the real estate business.Yep, that one surprised me, too. Apparently, the strategy of McDonald's is to...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...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...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 how to collect your money with less stress.Emotions: * Dislike of calling, so constantly put it on the bottom of the "to-do" list* Dislike of confrontation over the money owed* Fear of losing the customerFirst, you must accept the fact that collections are a normal part of doing business. This will help you to remember that the call is a business transaction, not an emotional experience. Give yourself that mental distance, and cultivate that professional attitude.Getting paid is the last part of your sales cycle, whether you are paid immediately, or thirty or sixty days later. Your customer is not "doing you a favor" (a commonly experienced feeling) by paying you, they are fulfilling their part of the business contract (written or not).There is a special chapter in my book "Get Your Money EZ, A Business Owner's Guide to...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....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...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