The most important thing you can do when building credit is to always pay your bills on time and to never borrow more than you can afford to pay back. It sounds silly for me to say, but unfortunately people do this every day. Credit is enticing and it very easy to get in over your head. Beware because those "no money down" and pre-approved credit card offers can send us straight down the credit road of darkness! It's essential when building a...more
Hi there Hasn't time flown? Only seven weeks to Christmas! So how does it feel to know that another year has gone by? Have you taken control of your life or has life taken control of you?To help you get a grip on Christmas I've prepared a special checklist for you.All you need to do is click here and you'll receive my special Free Report "How to Get Organised For Christmas." The Final WordStart preparing for the end of year now so you will be...more
Sometimes looking into opening an account or accounts in banks can be confusing. There are so many types of banks and bank accounts! Which banks are right for you to open anaccount in? Which types of accounts do you need to open? Below are some simple explanations of several types of banks and the accounts you can open. One will surely be right for you!There are many kinds of banks:1. Savings Banks - these banks can also be called "Thrifts", and are businesses that are for-profit. Savings Banks take deposits of money, invest that money, and pay the depositor interest out of the money made from those investments. Some Savings Banks give credit to depositors.2. Credit Unions - these banks are non-profit financial institutions. A Credit Union is owned and controlled by those doing business there. Membership is needed to get into a Credit Union, normally determined by where the person works, their location, or possibly where the go to church.3. Commercial Banks - these banks used to only deal with businesses, but have extended their services to individuals. Commercial banks offer individuals most of the same services as other types of banks.4. Savings & Loans - these banks usually...more
If you are unhappy with the interest rate you currently receive for your credit then there are a number of steps you may wish to consider taking in order to get yourself better rates and more favourable terms. These include:· Ensuring that you credit report is accurate and up to date· Requesting better rates from your existing credit providers·...more
Are you looking for ways to save yourself money? If the answer is yes then read on as I have the answer to your prayers, by changing your credit card to one that offers a balance transfer deal.The credit card companies are looking for your business, so there has never been a better time to check out the great deals that are on offer, and save...more
Really collaborate. Make it your rule to plan with those people who will be the performers of the plan. Don't wait 'til the project has gone south to get their help. Start out that way. Continue collaborating as the usual way you work through the project.Do your workplans, resources, and performance metrics offer a solid readout of what is going on with your projects' performance? Do you Plan your Work then Work your Plan, or are you simply envious of those who do?Are we using project management as a data repository for tasks or are we using it as our monitoring and control tool? Hopefully, project managers are using their project management for both.Students who master Project Management PM learn to lead improvement initiatives that result in measurable growth in return on investment ROI, economic value added, sales growth, customer satisfaction and retention, market share, time to market, employee satisfaction, and employee motivation.When you think of a business manager, typically, you'll think of someone who oversees a specific functional business areafor instance, a sales team manager, or the manager of the accounting department. These folks tend to manage ongoing...more
A lot of people hate budgeting, or just plain refuse to budget, thinking it unpleasant and restrictive. Actually a good financial plan, including a budget, puts you in control of your finances, rather than the other way around.The first step is the...more
Many people dread the task of building a budget because they view it as overwhelming and frustrating. But it will make the job easier if you look at it in another way; the only way to financial freedom. Do you feel as though there is no way to get...more
Have you ever experienced a major paradigm shift? You know, the kind where you think you already know something about something... But suddenly, you learn something new about that 'something' that changes your whole perspective and outlook on the...more
Help yourself avoid overdraft fees by understanding checking.While there is a lot of attention put on people who get into financial trouble based on the amount of money that they charge to their credit cards, that is not the only problem that people...more
Is your company ready to go public? How will you decide whether your company is ready to go public or not? There is no magic number or formula which qualifies a private company to transform into a public company. Then what are the factors which...more
An auction means a public sale of properties or objects that are sold to the highest bidder. There are a whole lot of things that can be put to auction. There are auctions that are held under various categories such as antiques and art, automotive...more