With 1 Million would you: Pay off debt? Purchase new equipment? Invest/save for the future? Give yourself a bonus? 1 Million Waiting in the WingsWhat do you and your business need that you have been putting off because you don't have the money today? 1 Million certainly would fill those needs. But where do you find 1 Million just lying around your business right now? Well, you probably have $250,000 in each of four areas in your everyday...more
Everyone hates late fees and being late will cost you dearly these days. For some credit cards today, if you are late, you will have to shell out as much as $40 each time. This can put a nice sized hole in your pocket really quick.Below, I will provide you with some tips and strategies on how to steer clear of those monstrous late fees. This will not only save you a lot of money in the long run, but it will also keep those money-hungry credit...more
SECURED CREDIT CARDS Secured Credit Card is similar to a prepaid credit card since the funds you are using are actually yours and not the issuer of the credit card. Generally people who apply for secured credit card or prepaid credit card are people with poor credit or unemployed. Prepaid Credit Card spending limit is the amount of money you loaded to the card. There are no interest or finance charges on a prepaid card. With secured credit card, your credit line could be from 50% to 100% of your deposit depending on the institution giving you the secured credit. Therefore the company giving you the secured credit card has zero risk. Secured credit card can be very beneficial because it gives you an opportunity to rebuild your credit history and you are able to make purchases just as if you had an unsecured credit card. Many companies require that you have a credit card to make purchases, such as car rental, airline tickets, etc. Ensure that the company issuing the secured credit, routinely reports customers' payment history to any of the three main credit bureaus namely Experience, Equifax and Trans Union. This reporting to the credit bureaus will rebuild your credit history over...more
Part 1: Getting StartedIf you're just getting started with ClickTracks, you'll find it's a very versatile tool. It presents information by overlaying it on your actual Web pages. It also allows you to create reports "on the fly" so that you can look at your visitors' behaviour on your site in very different and detailed ways. But if analyzing Web...more
1.Searching for a job onlinePierre Omidyar's (pronounced Omidvar) first job out of university was that of a software developer, now he's the founder of ebay. Brad Pitt dressed up like a chicken before his breakthrough as an actor. Denise Donlon was a coffee house singer and until just recently held the post as President of Sony Music Canada. What...more
This year, some 700,000 American businesses will be sold. Most will be small and mid-sized businesses like yours. If you, too, are thinking of selling, consider these practical steps for making the process go smoothly. Determine a Realistic Price Range Understand the Tax Consequences Prepare for a Sale Seek Potential Buyers Negotiate Your Deal Sign a Sales Agreement Plan for the Closing File Paperwork With the IRSNow for the GOOD STUFF!Getting the Cash Out of your Business NoteBusiness notes, known more specifically as seller carryback business notes, are created when the buyer of a business can not or will not pay all cash. Frequently, banks and similar lending institutions are hesitant to loan money to new business owners who have minimal track records and where hard assets make up a small percentage of the total purchase price.In the case where a buyer cannot obtain a loan, the seller is left with two choices (1) hold off until he/she find a buyer who can pay all cash or (2) carry back a note in order to collect future payments. The first option is often not realistic. In the second case, the seller is hopefully able to at least extract a large down payment to make extra sure...more
Wealth and Your Net Worth by C.C. Collins http://networthpublishing.comMost people know it's important to keep and organize all of your vital financial information. But knowing you should and knowing how are two different things!Once you know the...more
Marie noticed that Diane seemed to be sailing through her career and receiving "nods" from the firm's partners. According to Marie, Diane was extremely successful in handling her cases, developing strong relationships with her clients and seemed to...more
I once got a phone call from someone responsible for sales training at a large company. She said to me, "Mike, we need negotiation training for our sales force." I said, "Great, you've come to the right place." Then she said, "But do you teach that...more
This week Congress introduced a bill titled, "Community Choice in Real Estate Act," to permanently ban banking conglomerates from entering real estate brokerage or property management. This is because some of the larger banking conglomerates have...more
Credit is in every avenue of the modern day world, you can not make a major purchase without the use of credit this includes a auto or a home purchases. But, many consumers are unaware of how their credit stands, and are usually surprised when...more