In the new millennium plastic money or credit cards has rendered a new zing factor to your pocket. This has not only made you economically more flexible but subsequently added glamour to your financial image as well. No more bulging out hip pockets with excess of liquid cash. Instead, the slimmer your pocket; the smarter you look. But behind all these inviting attributes of credit cards there seems to be a trap laid out for people who are...more
Asking for a raise is a lot like looking for love. No one really values anything that comes too cheaply. But while dating can be fun, confronting authority can be intimidating. We asked John Towler, of Creative Organizational Design, a management consulting firm to outline how to talk money with your boss. - Know the market value of your job. Check with professional associations or personnel agencies for up-to-date surveys of salary levels in...more
Only 7% of what we say is verbal! The other 93% is nonverbal! How do you think Dr. Phil got his start? Reading the nonverbal communication of prospective jurors as a jury consultant. And that's why he's not afraid to call someone on a lie on his program! He's reading their body language--their nonverbal communication! And Dr. Phil knows he's right because your body language says so much more than you ever will! Verbal, written or even sign language talks to "content." You're just listening to the words and that's it! Nothing else enters the picture. This is probably one of the biggest issues with married people. The wife might say, "You never listen to me." The husband says, "Of course I do!" and continues reading the paper. The wife probably wants to see body language from her husband that says, "I am here for you; you are very important to me; I will always take the time to be here for you." If he's reading the paper, he's not communicating this to her in a way she can see and understand. If you're in sales or have any projects where you have to "sell" someone on something, do you know what your body language is saying to the other person? Try selling something to someone without...more
Okay, so one day you wake up and realize that you are far away from understanding your finances, let alone managing them. Finances are a gamble where you ought to win. If you lose you lose everything - whatever you have build, you have bought, you have worked for and most importantly you have secured. In today's world we compete at every level to...more
FIRST there was sexism, then there was racism, now another 'ism' is poised to cause more headaches for South Wales employers - including how they word their job ads.The Government is currently asking people for their views on plans to outlaw age discrimination in the workplace by next October.The consultation - called "Age Matters" - asks how the...more
Despite constant calls by politicians and policy makers to reign in government spending, the federal government remains the largest employer in the United States. According to the U.S. Office of Personnel Management, there are currently more than 2,700,000 employees working for the federal government in civil service positions. For nearly every federal job vacancy, the number of applicants exceeds the number of available positions by at least tenfold. Why do so many Americans aspire to a federal job? The answers are diverse. Some consider it a patriotic duty, while for others it's an act of enlightened self-interest. Whatever your motivation, however, the benefits are significant. Simply put, Uncle Sam is an excellent boss.Working for the federal government offers employment stability that cannot be replicated in the private sector. Once a new employee completes a predetermined probationary period (usually 1 year), lifetime employment is nearly guaranteed. Laws and regulations governing federal personnel practices make it extremely difficult to fire, lay-off, or forcibly transfer most employees. On the rare occasions when lay-offs do occur, displaced employees are given...more
The UK used to have an excellent 'free' education system, on the premise that education its citizens made the whole country wealthier. That has now changed, and student loans are the norm, as in the USA. This, of course, means that the majority of...more
Your investment club will need to decide what type of entity you're going to adopt for business purposes. You'll have to decide whether you're going to be a corporation, a general partnership, or limited liability partnership. Each of these business...more
Most great generals know how to design winning battle plans. They also know how to use their resources to gain advantages over the enemy. For these military leaders, getting enough tanks, aircraft, ships and armaments into the hands of the right...more
You were on your regular walk with your wife, and you passed by this house. Then the idea struck - you want this home. A chat with the property dealer and the price was fixed. But there was a problem - a major problem to be exact.The house has to be...more
There was an ABC News story that came across my desk today on Real Estate Flipping. It was one of those, "this is where everyone is getting rich" stories that tends to send a whole bunch of "get-rich-quick-types" rushing out to buy investment...more
Travel or Cash Back Credit Cards?If you want to use a reward credit card for getting free airline tickets, you have a choice of choosing a dedicated airline credit card, a travel reward credit card or a cash back credit card. A dedicated airline...more