What's the greatest risk to your portfolio during bad markets? Surprise! It's probably your advisor.The other week, a friend of mine sent me an article from a financial advisor in the U.S. asking me for my opinion. In the article, the advisor stated two things that stood out to me like a two-ton boulder falling out of a clear blue sky. They were the following. In response to the short rally that U.S., European and Asian markets were experiencing...more
These days, many similar businesses are in competition with each other to win the crusade for the customer. With the construction of each new restaurant, supermarket and department store, people are offered more and more options on where they can go. Many stores and restaurants carry or offer alike items and thus, there is little that can distinguish one venue from the next.However, one thing that does offer distinction is the level of customer...more
Are you tired of being held hostage to your debt? Use these simple solutions to pay down your debt and eventually eliminate it forever.Cutting up your credit cardsAre you fed up with credit card companies? Are you having trouble paying off your minimum monthly payment every month? Do you wish there was some way to get yourself out of debt quickly and easily? Well, there is. But it starts with one simple step that will help change your life forever: Get rid of your credit cards!That's right. While some people can live life with a credit and not encounter any problems, for others out there a credit card can become a dangerous crutch. You start off by paying a few bills off with your credit card when you come up short one month. Next, you're putting the family vacation on there, Christmas presents or even just some luxurious purchase. And, before you know it, you're maxed out and wondering how it got this far.Before it gets too lateor before you even think about applying for another credit cardget rid of the credit cards you have now. By cutting them up, you'll limit future purchases and spending and help yourself stay out of debt. If you don't, you're simply setting yourself up...more
Don't get trapped by credit card debt forever. By making easy moves towards financial freedom, you can be debt-free in less than 2 years.Approaching credit card debt with a planHave you accumulated a ton of credit card debt over the years and simply don't want to have it breathing down your neck any longer? Do you want the freedom that comes with...more
Did you know that you could be hurting yourself by consolidating your debt with the wrong company? Here's how you could be suffering.Unnecessary debt consolidation feesIf you're in the market for a good debt consolidation company, chances are you're already struggling with money. You've fallen behind on your credit card payments again, lost track...more
Understanding and taking the right approach to eliminating debt is the most important step you need to take. Learn that now and get started.Realizing that you have a debt problemFace it: You don't want to be saddled with debt anymore! But like some powerful addictions out therealcohol, nicotine, gamblingdebt can be hard to shake off and even harder to stay away from. The act of spending money is something that gives great therapy to most people, regardless or how rich or poor they may actually be.Going out and spending money is something everyone wants to do, but few can afford to actually do spontaneously. So those who can't turn to credit to pay for things and end up paying for it dearly in the long run.Are you someone who has a problem with debt? Well, the most important step you must take to actually eliminate your debt is to look in the mirror and realize that you have a problem with debt. Think about it. People who struggle with alcohol have to look in the mirror and see what it is doing to them. Those who struggle with food might look and see that they've gained a little weight. Regardless, this is a great starting point for anyone who wants to get serious about...more
Debt consolidation? Debt settlement? Bankruptcy? They can all hurt your credit score, but which way is the best way to eliminate debt?Consolidating debt with the wrong companyIf you're in a bind with debt, struggling to maintain a healthy credit...more
Regardless of whether this is your first or tenth time negotiating with your creditors, there are some things you simply should not say.Making unnecessary demands on your debt paymentsAre you preparing to try and negotiate lower debt payments with...more
Ever feel like you just can't pay off your debt quick enough? Here are some ways your credit card creditor may be holding you down.Increasing your credit card interest ratesDo you walk out to your mailbox every month, snatch up your bills and wonder:...more
HR leaders must know how to thread their way through the ins and outs of outsourcing before their organizations can build an effective HR solution.Although HR professionals have been using outsourcing in one way or another for many years, the trend...more
So many clients have been telling me they're launching new teams this month. But there's a catch - these are new teams made of "old parts," which is to say no brand new employees are on the teams. The teams are comprised entirely of managers,...more
What is Lean Six Sigma?http://www.100pceffectivetraining.com/leansixsigmaLean Six Sigma is a business improvement methodology which combines (as the name implies) tools from both Lean Enterprise (Manufacturing) and Six Sigma. Lean eliminates the...more