Aiming to save money on our credit cards should be something that we all should be doing. This can be done by switching your credit card to one that has a 0% interest free offer on balance transfers and purchases, or simply playing a credit card game such as "stoozing". The term stoozing is used to describe the practice of using the credit limit you receive on a credit card to make money by transferring the balance to high interest savings...more
Studies have shown that successful entrepreneurs possess these characteristics: 1. Self-confidence This is that magical power of having confidence in oneself and in one's powers and abilities. 2. Achievement Oriented Results are gained by focused and sustained effort. They concentrate on achieving a specific goal, not just accomplishing a string of unrelated tasks. 3. Risk Taker They realize that there is a chance of loss inherent in achieving...more
Have you ever been a victim of credit card fraud? If so, you know just how traumatic it can be. What's more, if you don't detected it early enough, it could leave bad marks on your credit report that could haunt you for many years. The most commonly thought of credit card fraud is when your wallet or purse is stolen, and the thief uses your credit cards to make unauthorized purchases. But, with the increasing rate of online buying, another form of credit card fraudknown as misappropriationis spreading like wildfire. These days the only thing a thief needs to create havoc on your credit life is your credit card numbernot your actual card. Here are just a few ways that this type of fraud can happen to you: * One day your telephone rings, you answer and the person on the other end of the line tells you that they have a one time special offer, good for today onlyand that you simply need to provide them with your credit card number to make a purchase. STOP! Don't ever give out your credit card number to anyone who calls you. Only provide this kind of information if you have called the company to place an order, and you are positive that it is a well-established reputable...more
When thinking about purchasing a new home, most prospective buyers rely on the expertise of a professional Realtor. They shop around, meet a salesperson they feel comfortable with, and sign up with that individual's agency, confident that she will guide them through the home buying process.What many people don't realize is that, even when your...more
Millions of people are desparate to escape the 9 to 5 grind. One popular alternative is to look for a business opportunity that turns you from an employee into a self-employed entrepreneur running your own business. There are many good reasons why this can be a wise move. Being your own boss means you can set your own hours. This can be very...more
If you are considering buying a home or have spent many years saving in preparation of buying a home, the questions and process involved in buying a home can be extremely stressful. As exciting as it is to begin looking for your new home, there are many unexpected costs and details to be considered before contacting a real estate agent. Home buyers should be aware of every aspect involved in purchasing a home before they take that big step towards home ownership. You will want to get the most value possible for your money. You should be aware of every detail in regard to the home you wish to purchase. Home inspections can reveal many hidden flaws and problems that could cost you thousands of dollars in repairs. Be aware of your right to a home inspection and contact a professional, licensed home inspector. Compare the mortgage terms and interest rates offered by various mortgage lenders. Even a slight difference in your interest rate can add up to thousands of dollars over the length of your mortgage. A pre-approval from the lender of your choice will not only give you added confidence when shopping for a new home, but could give you added leverage when bargaining with the seller....more
So you're a small business owner and you need a business loan to further the objectives of your company. Where do you turn? When it comes to a business loan or commercial real estate loan, there are many good reasons NOT to turn to a traditional...more
If you have high debt, and are in trouble, you have probably heard the term "credit counseling," but do you understand what it is? Oftentimes this term is used in the same sentence as debt negotiation or debt settlement, but actually, it's a...more
Communication is the exchanging of ideas and information. Clear communication is an essential element in any business environment to manage business activities. For the success of any business communication between the employer and the employees is a...more
We all wish that our credit cards were interest free all the time. How much pleasure would it be to know that what you spend is what you pay back and there would be no interest to pay. What is happening is the credit card companies are fighting it...more
Picture this: A county real estate association needs to update its Multiple Listings Service technology, and it has two options in mind. Product A has all kinds of bell and whistles, powerful search capabilities, and the ability to display more...more
Budgeting and financial planning are great ideas, but how in the world do you budget or plan when you don't know from one month to the next how much money you're going to earn? You have months at a time when you earn very little money, and then...more