Credit cards are almost a necessity today, but they need to be used with accountability. Having a good credit score will help you with a good interest rate on your mortgage, get a car loan and make other important purchases in you life. A low or damaged credit score could raise your interest rates and make borrowing money very expensiveYou need a lot of self-control when using credit cards, once you have a good credit history ,every day...more
Bill the HandymanMy friend Bill is a handyman, in a big city. His work involves advertising of his business, receiving responses and dealing with them, booking visits to prospective future jobs and quoting, sometimes re-quoting as someone has undercut him and he has a bit more space in his original quote, he can go lower. So, about 70% of his time is spent on all this I just mentioned. He drives around, he talks on the telephone, he receives...more
Small business owners across the country, have been affected by the challenges of this economy more than any other type of business. They are the group that has the least resources and leverage to counter what is taking place in their businesses. Phones that rang relentlessly only 1 year ago, are barely ringing today, if at all. Customer cancellations are abundant.They are experiencing declining sales, increasing costs and decreasing lines of credit. Plus, they are realizing a shortage of cash that cannot be generated quickly enough to stay competitive. It's no wonder advertising and marketing budgets have been substantially reduced, it not eliminated. So, what's next for the small business owner, and how do they survive? In some cases, a business cannot be saved, as the pressures of this economy can weigh too heavy. However, for those small businesses determined not to give up, there is help and resources from all 3 branches of governmnet; city, state and federal?First, there are two choices these business owners must make; to struggle through, taking no action, while hoping for a quick economic turnaround or map out a plan for survival. For the entrepreneur who is determined to...more
As a result of the rapid growth of the popularity of the internet, and the growth in access to various information systems online, there is a completely new breed of investing that is beginning to take shape, creating virtual investors who participate in an endeavor known as virtual wholesaling. Through virtual wholesaling and virtual investing,...more
With each passing day, families across America and indeed most of the world are watching their bills pile up and their savings and investments disappear. The 'funny' thing is the rich are still getting richer, while the rest of us struggle just to survive.There is one major difference between the rich and everyone else - The way they manage their...more
There's no doubt about it: LinkedIn is one of the greatest job search tools available today. Not only can you "advertise" your availability and display career endorsements, but being viewable on LinkedIn is a boon to executive recruiters that may need your skills.However, building an effective online profile is something few people address in detail. You may spend hours preparing your resume, only to be confused about which components to use when building a Web presence.Here, I've outlined some key differences to be aware of when building both your executive career marketing documents and a profile that can get you noticed--and HIRED:1 - Don't just dump your resume into LinkedIn without modifications.Even if you wanted to add your entire resume (and see the next point for reasons to avoid doing so), LI contains specific character limits that you must heed.This is where looking at your resume for ideas will help (assuming that it is written correctly and reflects your executive brand). Think of your LI profile as a Web site, and you'll have the right idea.Most online and resume writing styles use sentence fragments, which you can lift to fit into defined text areas on LI. However, I...more
"Franchising dates back to at least the 1850s; Isaac Singer, who made improvements to an existing model of a sewing machine, wanted to increase the distribution of his sewing machines. His effort, though unsuccessful in the long run, was among the...more
I feel like I've had the same hair style for years. That is until about six months ago. Since then I've unleashed my inner Linda Evangelista and played around with a few different styles and even colors! A few months ago, I decided I would try the...more
Another element that is extremely, extremely important to include in your credibility kit is testimonials. Testimonials are very, very important and you need to start to think about it. If you're not getting testimonials now you need to do it, and...more
Are you undecided about using the services of a mortgage broker or sceptical as to what a mortgage broker can do for you? The purpose of this article is to clarify the many advantages and benefits you will receive when using the services provided by...more
You have just realized that you need to start living within a budget. You sit down and begin to prepare to setup a budget but have not quite figured out how to completely track your spending. Since getting an accurate budget is critical to solving...more
Are you in financial trouble? Are you facing a job loss, reduced work hours, retirement, illness, or a divorce? Before things get out of hand, you must takes steps now to prevent a foreclosure on your home. The sooner you act, the better your chances...more