The advantages of time management include reducing stress, gaining time, reducing avoidance, while promoting reviews and eliminating cramming. Another advantage is that managing time helps us to stay motivated while we avoid procrastination.The trick to successful time management is setting up goals that work, while having an awareness of those goals and prioritizing your list of goals. When you set up an effective time management plan, you are...more
Another year ended, and another round of UK debt statistics. CreditAction has just announced the latest summing up of the personal debt situation in the UK. Their figures show that the end of 2005 has seen the total level of personal debt rise to an astounding £1,158bn, an increase of £100bn compared with the same time last year, and this debt is increasing at a rate of £1m every 4 minutes.These levels of debt affect everyone in the country,...more
The minimum payment on next month's credit card bill could be almost double what you were required to pay this month due to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. How will higher credit card minimum payments affect your family's finances, and can your mortgage advisor help you avoid financial hardship or even bankruptcy through cash out refinancing, a second mortgage, or a home equity line of credit?Credit Cards can be powerful financial tools when used properly. However, if you're like 35% of our fellow Americans, you are only paying the minimum payment each month, at least according to the Federal Government Office of the Comptroller of the Currency. Federal regulators are currently pressuring major banks, including major issuers such as Citibank and MBNA as well as the Bank of America, to increase their minimum payments so that consumers have a fighting chance of paying off their high interest credit card debts.Today, your credit card minimum payment is usually between 2% to 2.5% of the total debt on your credit card. If you were to pay the minimum payment every month today on $10,000.00 of credit card debt at 18% APR, it would take you more...more
Today's electronic world pushes the envelop further. With the advent of online trading systems such as eBay, many new forms of payment have flourished. First of all, on eBay, the mode of payment depends on the agreement between the buyer and the seller. Most often, the seller will specify his or her desired payment method. In these cases, the...more
Finance market is at peak reaching for new heights. Increasing number of lenders in the finance market has opened a new dimension for the borrowers to take advantage of borrowing money at competitive interest rates. Each lender wants to grab more and more number of borrowers and thus offer infinite number of loan options and that too at cheaper...more
Everyone has a unique perspective of what constitutes an "energetic meeting." Some may believe that an energetic meeting must be lively and fast-paced; others may believe that a meeting is energetic when they leave feeling energized and uplifted.Regardless of your own personal viewpoint of energetic meetings, you can increase the likelihood that your meetings will be more satisfying by encouraging your group to adopt certain procedures as standard. Here are some key procedures, if you want participation in your energetic meetings.Clarify Purpose. A group's clear purpose right from its beginning helps all other considerations and actions to become clearer.Establish Climate for Sharing. When possible, arrange for participant comfort. Here are suggestions to consider:* Provide name tags if the group is large or filled with strangers; * Place chairs for all to see each other; * Allow everyone the opportunity to speak; * Protect the rights of individuals to have dissenting opinions and to change their opinions.Explain Ground Rules. Let group members know what is expected; check their understanding and acceptance of procedures. Ask if they have questions about certain ground...more
For those of you that don't know, I started my business 9 years ago at the flea market. I think back of all the fun that I had and when I started selling off odds and ends that I had around the house.After being there for a while I noticed something...more
Making money through multi level marketing is another way to increase your earnings. For people who would want to conduct business from their home, owning their time and write their own paycheck without creating their own product? MLM will work. If...more
Audits are regularly issued by the Internal Revenue Service (IRS). There are two main reasons why an individual or business may be audited by the Internal Revenue Service (IRS). Random audits are not as frequent as they used to be; however, they do...more
The Resilience FormulaAnyone can argue the accuracy of the Millions and Billions now purported spent each year by business and healthcare on stress-related illnesses and workplace absenteeism. Nevertheless, whatever the correct number is it's BIG!...more
Sarbanes Oxley is not only the original Act, but also all the interpretations in the new (after Enron and World Com) legal and political context. There is no room to "forget" to include legal proceedings after Sarbanes Oxley. The Act imposes a number...more
Ahh... the entrepreneur's life... Many imagine that working from home is like being a Hollywood superstar: working leisurely in your pajamas, eating bon bons, and cashing paychecks you write to yourself. While managing your own business can be a life...more