Be careful who you trust with your credit card transfers.Credit card fraud happens on a regular basis now, for which reason you should be very careful how you use your credit card information. You should be very careful whenever you do a credit card transfer so that you can make sure that you do not end up with a stolen credit card. The first thing to keep in mind is that if you start to feel as though the company you're about to use for a credit...more
A direct public offering is when a company raises capital by selling its shares directly to what is refer to as affinity groups, unlike an IPO which are sold by a broker dealer to its customers and the general public through other broker dealers who have customers interested in buying shares in the company.In IPO's you have a firm commitment underwriting, where the underwriters promise to purchase the securities for their own account if they can...more
Consolidate your loansIf you have federal student loans it is more than likely youare receiving letters and email that are warning you it istime to consolidate your loans in order to pay less interestover the life of your loan and have smaller monthlypayments. However, people are still wondering if they shouldconsolidate or not. Here are some of the reasons why.If you are currently enrolled in school and have federalstudent loans then you should act now and have themconsolidated regardless of the fact that you may need totake out loans in the future. This is the first time inhistory that current students are able to consolidate theirloans, so if you have federal loans do not wait. Yourcurrent loans will be consolidated and the low interestrates will be locked in for the life of those loans. Yourfuture loans will not have this opportunity, so lock in thediscount on the ones you have while you can.Also, if you are a recent graduate or have been paying highmonthly payments for a while and are looking for somerelief, then go ahead and consolidate your loans in order tohave a lower monthly payment and less interest to pay. Inreality, by consolidating your loans you lock in a lowinterest...more
How many times have you been asked to participate in a survey? If you are anything like me then the answer is probably hundreds. I am often being stopped in the street and invited to take part in a survey that will only take a few minutes. I do feel sorry for these marketers as I usually decline and say that I am too busy. More often than not the...more
Having excellent persuasion skills is one of the most important abilities to possess in today's fast-paced world. We need the support and cooperation of other people to help us in reaching our goals. The saying "No man is an island" is an undeniable truth. Here are some hot tips to effectively influence and persuade anyone you desire. 1) Enter...more
Sometimes the best way of lowering exposure to risk is not to invest at all! However, when we make the decision to jump into the muddy waters of the stock market, its always a good idea to have a life jacket ready, just in case.We all have stories of that "must have" "can't lose" stock that looking back, we didn't really need to buy, and it definitely lost. So, how to best protect yourself when the markets disagree with your due diligence? Trailing stop loss.It's important to understand the psychology of investing. When we make money, there is instant euphoria. When we start to lose money, there is a sudden "deer caught in the headlights" type of emotion, which makes us unable to do the right thing. We fear that the moment we sell, will be the moment that it starts to rebound. Not only do we fear that we will be that guy who sold at the low of the day, but that we will miss out on untold fortunes because we got out too early.While this happens, more often than not, a small loss turns into a much bigger loss. Remember, a 40% loss started off as a 5% loss.So what is the best stop loss strategy? Well, we happen to have 2. One simple, one a little more complicated, but possibly more...more
The bills are out of control and you need a new car. "Maybe we can get a new carpet and paint the house", you say to yourself. These are just a few reasons why home equity loans can seem like the solution to all your problems and are so popular.Home...more
A while back a small business owner paid me a visit. He wanted help marketing his fitness business to women. Before we even started talking, he handed me his business card. The card was very professional and said all the right things. But it also...more
Diamonds are a girl's best friend. Well, they're also a jewelers best friend, because these little stones are the most valuable minerals in the world. Valuable, yet everyone has trouble when buying a diamond because it's so hard to get a good...more
If you live in England then you will already be familiar with car boot sales but I will still offer some valuable tips on how you can make money or find a bargain. However, if you are a resident of any other country then you are unlikely to know what...more
Being a leader isn't easy. Every one looks to you to make decisions, resolve disputes, and to carry all the responsibility. Being a leader can be a lonely job.Some of us are born into leadership. For them it is effortless effort. They have no...more
A 40's something woman was talking to me the other day about her growing sense of frustration with "working for someone else" and her longing to "do my own thing, drive my own wagon". But, she said with consternation, "I have family counting on me...more