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HOW TO MAXIMIZE YOUR "HARD-EARNED" MONEY 2001-11-24 05:12:00 "Whatever you have, spend less" - Samuel Johnson.
Every day we make decisions about money, which have an effect on our standard of living. Sometimes they are only small ones, not related to the above-mentioned areas of life. Daily you have to make financial decisions on which items to spend your money. You are in effect the managing director of your family's business. Spend more than you get in,
The Criteria That Determines Your Property Investment Success 2002-05-11 06:55:00 In order to satisfy your Investment Objectives you will need to set certain Buying Criteria - against which you will rate each and every investment you undertake.
Again, these Criteria are ranked in what has (over the years) become accepted as being their relative importance, for making a sound property investment.
1. Tenant Calibre & Lease Term
By themselves, these two Criteria could prove to Read more:Success
SMART NEW FINANCING TOOL FOR THE SMALL BUSINESS OWNER 2002-05-09 06:51:00 Pressed for cash, many people will take money out of their individual retirement account (IRA) as a means to get quick access to capital. They do this even though they have to pay taxes and generally if they are younger than 59 ½, also pay a 10% penalty on the money they withdraw.
Only as a last resort should one touch their retirement savings for anything other than retirement expenses.
Self-Liquidating Loans - Fact or Fiction? 2002-05-09 06:50:00 FICTION! There is no such thing as a self-liquidating "LOAN." If you walk into a bank and ask for a self liquidating loan, they'll look at you as though you were nuts!
You may see ads promising -
- Self-Liquidating "LOANS!" - Investment Capital Overnight! - Your "LOAN" has been Approved! - BORROW Money And Never Pay Back! - etc.
A self-liquidating "LOAN" is fiction. You will never get a Read more:Fiction
, Loans
A Lesson In Money Management 2002-05-07 06:48:00 It disturbs me when I read about marketers who've lost a ton of money promoting their ventures.
I've seen messages by marketers who've spent as much as $9,000 without making a cent. What's even more disturbing is the fact that many of them have spent that money and haven't learned a thing.
They've not only spent all their savings, they think the problem will be solved by spending more money. Read more:Management
, Money
HOW TO RAISE $250,00 IN 24 HOURS 2002-05-06 06:46:00 Many people have had opportunities presented to them where quick cash was necessary. However, most people are unable to take advantage of these great opportuni- ties because they lack the money or access to sufficient money.
A simple procedure is available whereby you can generate cash within 24 hours. The process is easy and quick and requires that you first make the preparation and lay the
I Wasn't Paying Attention: Where Does My Money Go and How Can I Get Some Back? - Part 3 2002-04-25 06:42:00 I Wasn't Paying Attention: Where Does My Money
Go and How Can I Get Some Back? - Part 3 by: Janet L. Hall
Here are my Top 7 Tips Lists for * OverHalling * Seven Financial Areas of Your Life:
Top 7 Tips for * OverHalling * Your Food Purchases 1. Use a master grocery list 2. Make your morning drink at home 3. Stop snacking from vending machines 4. Carry your own snacks, celery sticks, carrots,
I Wasn't Paying Attention: Where Does My Money Go and How Can I Get Some Back? - Part 2 2002-04-25 06:37:00 I Wasn't Paying Attention: Where Does My Money
Go and How Can I Get Some Back? - Part 2 by: Janet L. Hall
Hopefully, after keeping a daily or monthly log of expenditures, you've begun to notice your pattern of spending habits. You should be able to see where all your money is going and not just wondering. You should now be able to look at what you can cut out or cut back on.
Why do you
I Wasn't Paying Attention: Where Does My Money Go and How Can I Get Some Back? - Part 1 2002-04-25 06:19:00 I Wasn't Paying Attention: Where Does My Money
Go and How Can I Get Some Back? - Part 1 by: Janet L. Hall
Tracking, planning, and * overhalling * your hard earned money can help you reach any financial goals that you have, help you in getting out of debt, and help you gain back control of your money, your future, and your life.
Dawn Rivers Baker of WAHM & Mompreneur has a great series, *
Organizing Your Finances: - Show Me MY Money: What You're Worth or * net * Worth 2002-04-25 06:18:00 Organizing Your Finances: - Show Me MY Money
: What You're Worth
or * net * Worth by: Janet L. Hall
Benjamin Franklin once said, * Time is money *. I think he wanted one to add up how much time they spent on a particular task or job and how much money they might have been wasting. I do an exercise with my clients to help them discover what their per minute worth is to enable them to see how
Tax Strategies for Those with a Home or Small Business 2002-04-24 06:10:00 These are some tax strategies frequently overlooked by many tax preparers. Keeping up with the many tax law changes that are made each year is quite a job. You can help yourself and your accountant by making yourself familiar with how some of these fairly simple strategies can reduce your taxes, sometimes by thousands of dollars each year. The key to staying out of trouble with the IRS is Read more:Business
, Small
, Small Business
, Strategies
The Plastic Swipe 2002-04-14 06:08:00 The PlasticSwipe
by Gabriel Nijmeh
I'm sure that most of us don't really know what happens between the time your swipe your credit and receive purchase approval (or, ugh, credit card declined). This is a process that happens millions of times over during the course of a day and one which we take for granted.
Let's VISA as an example, although this process works similarly for MasterCard.
You Have More Money in Your Pocket Than You Think 2002-04-14 06:06:00 You Have More Money
in Your Pocket
Than You Think... by Gabriel Nijmeh
Let me be the first person to say, "Why wasn't I smarter with my money?" I look back over the years in amazement at how my money "innocently" slipped through my hands.
Ultimately, beyond those fleeting moments of gratification, I can't really say I have much to show for some of my misspent money. I certainly don't want to be
It's Stocks, Not Markets, that Bring Investment Success 2002-04-14 06:05:00 It's Stocks
, Not Markets
, that Bring Investment Success
by Gabriel Nijmeh
If you are fairly new to investing and looking for some guidance or if you are seasoned investor, let me introduce you to NAIC.
National Association of Investors Corporation (NAIC) is a non- profit, tax exempt organization whose membership consists of investment clubs and individual investors. Founded in 1951, the mission
Index Funds - Are they right for you? 2002-04-14 06:02:00 Index Funds
- Are they right for you? by Gabriel Nijmeh
Indexing is an investment approach that seeks to match the investment returns of a stock or bond index. An investment manager tries to duplicate the target index by holding all the securities in the index. This is what is called a passive management approach which emphasizes broad diversification and low portfolio turnover.
There are a Read more:Index
Who Needs Cash When There's Electronic Money! 2002-04-13 05:56:00 It's a new world. Gone are the days of writing paper checks and entering credit card numbers. Now with the click of a mouse you can pay anyone anywhere, anytime, or you can receive payments yourself without a merchant account. All you need is the right service and an email address.
There are so many "electronic payment" services on the Net today, if you're not taking advantage of them you're Read more:Electronic
, Money
, Needs
Risk reversal - Getting paid for performance 2002-04-13 05:55:00 I've regularly written about the importance risk-reversal plays in dissolving buyer scepticism. As a way of allaying buyer fears, some of my clients have adopted money back guarantees and their sales have increased dramatically just as a result of implementing that guarantee.
One area where buyer scepticism is particularly rampant is when it comes to enlisting consultants. A company knows they
The Money Value of Time 2002-04-11 05:49:00 You have, no doubt, heard the phrase "the time value of money". It means that a dollar in your hand today is worth more than a dollar in your hand a year from now. Why? Because of what you can do with that dollar over the next year. You can invest that dollar in an interest bearing account and have $1.05 at the end of the year. If you decide to take your buck in a year, your opportunity Read more:Money
, Value
No Job's Finished Until the Paperwork is Done 2002-03-28 05:47:00 That time of year is quickly approaching... I'm talking about dreaded taxes! To make tax time easier this year and certainly next year, read on.
As is the case with many other small business owners I've talked with, taxes, recordkeeping, and all that darned paperwork are the hardest and most unpleasant parts of running your own business. However, I have established a system for tracking my Read more:Until
Rearrange Your Affairs For Maximum Tax Savings 2002-03-26 05:38:00 One way to maximize your business profits is by reducing your taxes. Frequently, income and other taxes could be lowered significantly if only the taxpayer were willing to plan ahead. By taking some simple steps to rearrange your affairs, you could save a fortune!
1. Are You Splitting Your Business Income?
You may pay reasonable salaries to spouse or children through your incorporated or Read more:Affairs
, Maximum
, Savings
How To Start A Business When You Are Broke 2002-02-17 05:35:00 The Profit Project
Most plans for a new business require a lot of money. You have to buy equipment, rent space, hire employees, then play a myriad of bills that you never expected.
That is great if you have a rich uncle or friends at the bank, or if you just cashed in your stock options from your job at Microsoft. But what about the rest of us?
The old "charge your way to wealth with credit Read more:Business
, Start
How To Get Easy Loans With Bad Credit 2002-02-17 05:34:00 Let's take a little break from your promotional activities and talk about the subject of financing. Financing an e-business and the related working capital is often overlooked by many entrepreneurs,but it's the oil that greases the wheels on which your total business runs.
It's no surprise that many individuals seeking personal loans to start a business or for personal needs sometimes Read more:Bad Credit
, Loans
JIM FINUCAN'S BILL COLLECTING Q AND A, Issue 4 2002-02-13 05:32:00 Q) My small business has grown over the past year, but with the growth I also have more past due accounts. This is the first year I've had these problems. Am I doing something wrong?
Tom S., Boulder, CO
Dear Tom:
There's an old saying "If you don't have accounts receivables - why not?" I don't know enough about your billing procedures to know if you're doing anything wrong, but let me start by
Making Good Use Of Local Banks And Credit Unions For Low Loan Rate Bargains 2002-10-27 09:06:00 With the average 30 year and 15 year fixed-rate mortgages jumping up to several basis points over recent days, consumers who have been holding out hoping to catch the best level of the refinance wave may wonder if they have missed the boat. Not necessarily.
At present the equity markets are making a rebound. If the Dow goes above 9,000 mortgage rates could rise to or through 7 percent. Two weeks Read more:Local
, Making Good
, Unions
Investing as a sport? 2002-10-25 09:05:00 I said last week that money doesn't generally buy happiness, but the lack of it can buy absolute misery. This, by the way, is not just my personal observation. It is the conclusion of some of the most respected happiness researchers (Yes, there is such a thing -- read my book.)
The trouble is that we have to pay attention to money more when we lack it than when we have it. This doesn't seem fair Read more:Investing
, sport
Staying Sane While Wall Street Crashes 2002-10-25 09:04:00 Everybody is riding the Wall Street
Roller coaster. Even if you are not invested, the headlines scream out one word: PANIC!
It's hard not to join in the panicking. The Panic Crowd seems to be having all the fun these days. But they don't have all the happiness. You see, it's true what your mother told you: money doesn't buy happiness, at least not for most people. But the lack of money does buy Read more:Crashes
The Individual 401k - BIG Business Benefits For The Home Business 2002-10-22 09:03:00 Major mutual fund and investment management companies now offer self employed individuals 401k plans that are easy to install and administer at very low cost. What's more independent contractors and small business owners can borrow part of their retirement savings tax-free and penalty free by taking advantage of a loan provision in these new plans. Depending on who's offering them, these Read more:Benefits
, Business
, Individual
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