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Articles in Home | Business & Finance Advertising (184) Banking (43) Business Management (766) Careers (493) Credit (779) Debt Management (449) Economy (21) Ethics (17) Fund Raising (81) Home Based Business (496) Insurance (469) Investments (237) Loans (786) Marketing (462) Mortgages (427) Networking (30) Public Relations (17) Real Estate (1146) Small Business (178) Stock Market (109) Taxes (207) Sort By: Title|Newest|Oldest Take A Structured Settlement Or One-Time Lump Sum Payment?  By : Greg Smith If you are involved with a legal decision, financial claim or insurance arrangement, the financing process to settle and resolve the claim can often take two forms. Either a one-time lump sum payment, or a long-term periodic series of deferred structured settlement payments. But which is best for your situation? A structured settlement involves a financial or insurance arrangement which includes a periodic stream of payments, that a claimant or plaintiff accepts in order t... The Dynamics of Competitive Mentality  By : Hennum The Dynamics of Competitive Mentality voices a new approach to competition. It is inspirational and educational article which is quick and easy to read. Learn how to perform your absolute best without having to fight to survive. Bending Metal Pipes and Beams  By : Amabaie You've seen seen metal park benches, curved walls, spiral staircases, winding handrails, curved stadium roofing and roller coasters. Discover how they bend those metal tubes, beams and pipes in this article on four metal-bending techniques. Cash It Back With Credit Cards  By : What is a cash back credit card? A cash back credit card gives annual rebates or gives back money to the card holder based on how much have been purchased with it. This type of credit card is suitable for those who rarely use cash in their transactions. The rebate is computed as a percentage of the total amount charged to the credit card in a year. Usually, rebates are between 1-2%. Some can even go as high as 3%. Are rebates always in the form of cash? Strictly s... Intelligent Optimism Wins In Today's World  By : Eileen McDargh, CSP, CPAE Learn to be more optimistic despite the constant bombardment of negative news and the erosion of our culture. More than Just Money: Barter  By : Don By definition, barter is the when parties swap services or resources. But in business terms, it’s an exchange that ends usually with everyone a winner. All parties involved in bartering hold onto their cold hard cash and don’t lose a cent. There’s no worries about getting ripped off as a buyer or seller, so it’s an exchange that’s high on trust, low on tension. And finally, the government doesn’t get its hands on any of the proceeds. An Introduction To Pallets & Their Uses  By : Logan Pallas When you see a delivery truck open as it’s being unloaded, you will almost certainly see pallets if you take a peek inside. The majority of pallets are wooden, but plastic, paper or metal are alternate options. A pallet is a flat structure, which is used to transport a variety of goods while being lifted by a forklift. In some areas, but less widely used, metal pallets are also available. Before being lifted, the goods are placed on the pallet and secured by straps to ensure ... How to Define a Business  By : Joseph Kenny Businesses are everywhere. They are the units that perform most of the economic activity in our economy. Most businesses exist to generate a profit. So, Do You Need Financial Planning?  By : Charles Wee Well do you need Financial Planning? In this article, I will show you how you can answer this question. Immediately after we complete our college education, we automatically participate in a race call rat race. Everyone started the race with a cart. In this cart, we have personal bills, loans and our allowance. As we are single, everything is good and manageable. We can spend what we earn without worry. Then we meet our partners and get married. Thus we begin our ... How To Find Government Grants  By : Amber Lowery Each year, the federal government gives out over 150 billion dollars in Government funded grant programs to businesses and individuals. These grants are provided to assist businesses in growing and providing jobs, and to help individuals raise funds for education or other personal needs. Despite the abundance of grant programs available, many businesses and individuals are finding it difficult to locate grants. The system can be very confusing. Luckily, there is progress ... This Christmas Time Could See A Rise In Online Fraud.  By : Mike Hanna Imagine the scenario: you’ve just had a nice Christmas. Your kids are all happy when returning to school to see their friends and tell them what santa brought them. You’re happy, because although you’ve spent a lot on the kids, you’ve kept a nice amount of savings to do you over the cold and often depressing January that follows. Then, when you try to pay your bills that month you’re hit by a bolt out of the blue – you have insufficient funds! You KNOW that you didn’t spen... Silent Auctions – All Done? All Done? Sold!  By : Ken Snow Silent auctions are a way of disposing of auction items without employing the services of an auctioneer – one of the main reasons silent auctions are popular as charity and organizational fundraisers. Here’s how it works. The items to be auctioned are put on display. For example, a chamber of commerce may have solicited goods and services from people in the community for sale at an annual chamber banquet or other event. If you’re interested, you simply browse through the o... Six Reasons Why Real Estate Investors Should Buy In December  By : Jeanette Joy Fisher December and New Year's Day give home buyers and real estate investors the perfect occasion to buy real estate. Not only can you pick up a bargain property from a motivated seller, you can save on your purchase expenses. 1. Home shoppers put off looking for a home because of holiday decorating, shopping, and parties. Plus, the cold weather makes home buyers prefer to stay home; they prefer to wait for warm weather to buy real estate. Get the edge with little competition fr... 5 Simple Steps To Protect Yourself Against Identity Theft  By : Robert Benson Are you the victim of identity theft? According to Joanna Crane of the Federal Trade Commission's Identity Theft Program, 80% of the victims who call the FTC say they have no idea how it happened. Furthermore, an FTC survey reported that 4.6% of those polled reported that they had been a victim of identity theft within the past year. Additionally, according to a recent General Accounting Office report, it is estimated that as many as 750,000 Americans are victims of identi... Google Wins The Battle For AOL  By : Rick Hendershot Linknet Internet News Digest - December 23, 2005 - It looked like Microsoft had a deal with AOL to replace Google as the AOL search engine of record and provider of online advertising services. This looked like a fantastic coup for Microsoft -- one that would make them a serious Google competitor on the search engine and online advertising front. But that deal fell apart last week and culminated in a phone call on December 16 in which AOL told Microsoft the deal was off. ... The Benefits of a Discount Reseller License  By : Jim Staley Determine whether or not you need a discount reseller license and how to get one with this short and simple article. Should You Use A Private Wealth Management Broker?  By : LeeAnna If you have a business and all of the struggling and hard work you have been doing to make your business successful, then it's probably a good idea to look into a private wealth management broker. You don't have to be a wealthy business, at the moment, but a financial service may be able to help you extend your potential, maybe even better than you have ever imagined. When searching for an investment broker make sure they are interested in your long-term goals and risk tolera... Family Finance  By : Joseph Kenny One of the hardest things that young couples report during their first year of marriage is getting to grips with joint finances. While most are willing to share what they have with their partner, they are not sure on the best way to bring this sharing into effect so that they can share with their new partner New UK Pension Plans to be Unveiled  By : Wildfire Marketing Group There is no question that Google has been a dominating force. There is also no question that Microsoft has both the financial and the manpower resources to give them some serious competition and probably eventually get the upper hand again... Financial Incentives for Your Business to Use Solar Power  By : Solar Man When it comes to running a business, much of the necessary focus is on the bottom line. Many businesses, however, fail to realize they can seriously cut energy costs by going solar. Retiring With A Decent Income  By : Joseph Kenny - These days, it’s hard to listen to the financial or economic news for long without hearing something about pensions. These news stories usually give us some bad news about the pensions shortfalls in the gaping holes in pension funds. The chancellor Gordon Brown has recently gone on record suggesting that he is in favour of increasing the working age, and the debates about whether to link state pensions to earnings or inflation rages on. The bottom line is that people are spen... Your Budget And Rising Petrol Prices  By : Melanie Carne - If you have a mortgage and are not struggling with the increasing cost of petrol … you are in the minority. And if you aren’t struggling now, how will you fare when the flow on effect of high petrol costs starts to increase the cost of living across the board. For many Australians the question of how to cover all their bills and maintain a decent standard of living for their families will soon become a pressing one. As you struggle with this challenge, you may discover tha... An Analysis Of Lexmark  By : Geoff Gannon - In 2005, Berkshire Hathaway bought about a million shares of Lexmark. I haven’t followed this story closely, but I assume the stock was purchased by Lou Simpson rather than Warren Buffett. I have only two reasons for believing this: the total purchase was small relative to Berkshire’s investable assets and the Lexmark purchase is typical of Simpson’s investment philosophy (or at least, what little I can glean about his investment philosophy from his past purchases). Regardles... Comparing Google's Search Franchise To Mccormick's Spice Franchise  By : Geoff Gannon - Google has a competitive advantage. In fact, one might even say it has a franchise in web search. I wouldn’t say that. I mean, Google does have a franchise; but, it doesn’t have a monopoly on web search and never will. There are real problems with Google’s model that are often overlooked. It does a poor job of finding certain sites that are difficult to describe in keywords. For this reason, there may still be a market for web search in the form of specialized niche directori... Patentability of Business Methods  By : Michael N. Cohen, Esq. Update on business method patents. Alan Greenspan – A Retrospective  By : Dan Lewis No one person has been praised or criticized for the economic progress of the United States over the last 20 years than Alan Greenspan. Here’s his story. Annuity Transfer - What Are The Risks  By : Amit Laufer - Many people who know in the back of their minds that they got the possibility to transform a monthly payment or annuity long term payments into a big lump sum and by that to relieve some temporarily financial problems, or need to buy a new car or a house or help their children and so forth are tempted to exercise this process into action. Although it is a very natural feeling and sometimes even a real life need or deep inner quest for power and control, it is not in their ... Early Retirement: What You Should Know  By : Stanley Emerson - For many reasons, more and more people are opting to retire at an early age. The growing trend for the retirement is based on the fact that people are enticed to retire early than continue working and wait until they reach their retirement age of 65. In fact, most of the surveys conducted in the United States asserted that 60% of the respondents would love to retire at an early age. In reality, there are many benefits that people can derive when they retire early. Howev... Financial Planning For Retirement: For Worry-Free Retirement  By : Stanley Emerson - Planning can be a tedious activity especially if you are planning for retirement. Many people realize how advantageous financial planning for retirement can be while others find it mysterious. In fact, most experts say that for people who are only making enough money to make due payments in each month, then it means that they should start contemplating on how they can still make money even if they are already retired. Surveys show that almost 75% of the American populat... Are Credit Inquiries Raising Your Surety Bond Rate?  By : Michael Weisbrot Too many personal credit inquiries can considerably lower a credit score. A poor bond producer can greatly lower a credit score and can indirectly raise your surety bond rates. Understanding Your Rights When Injured  By : AshGreen It is very important to understand your rights and what type of claim to file to insure that you are properly compensated for your injuries and that the process is as quick and as painless as possible. Plan Your Retirement In As Easy As 1 – 2 – 3 Using Financial Planning Software  By : Henry Clark - Rather than spend your hard earned money hiring a financial planner or consulting with one, there are actually countless software programs that would help you in managing your finances. These programs are efficient tools for planning and making all those important retirement calculations. One software program is MFC, My Financial Coordinator. It literally serves this purpose. It merges all your income streams into a coherent report therefore making managing your assets so... What Are Government Grants And Are They Right For Me?  By : Troy Porter If you're in business or are planning to be, there may be some financial assistance available to you. Government grants are available for many different types of businesses and it is certainly worth the effort to check to see if you qualify. Preparing For Your Golden Years  By : Henry Clark - Planning for your retirement is obviously a good idea. The phrase "the earlier, the better" describes what your policy should be for handling your transition from a harried work life to your relaxed golden years. At best, take twenty four to eighteen months to prepare for this significant change in your life. * Cleaning Up - Try to pay off any outstanding debts or fiscal responsibilities before moving on, especially those that are hedged against your retirement plan. If y... What Is Public Employees' Retirement System?  By : Henry Clark - The Public Employee Retirement System is for government employees except for teachers and students. This is a mandatory membership and all members should fill out a form of application at the beginning of their employment. It is a benefit plan that gives benefits to employees once they retire. This will be based on the number of years they rendered service and on their average salary. The Public Employees Retirement system also covers survivor and disability protection. ... The Four Classifications Of A Public Retirement System  By : Henry Clark - It is that time in life that we all look forward to. It is time to sit and relax and no longer have to worry about catching the bus or missing lunch just to beat the deadline. It is that point in our lives that the challenges of a planned working schedule is modified into a more relaxing pace, away from the hustle and bustle of the everyday struggle to work. It is the day of retirement. Basically, retirement systems refer to the methods or processes, in which the employ... Home Mortgage Loan - Should I Rent Or Own A Home  By : Bill Smith - Owning a home means more responsibilities, but with a host of rewards, including: Investment value Monthly mortgage payments can be comparable to rent - or even lower - and you're building equity in an investment that can increase in value. This equity can be used to get money saving home equity loans or as a down payment on your next home. Tax-deductible interest Rent is usually not tax-deductible, but mortgage interest (including points) on your home usually is. The... Military Retirement: When Services Really Pay  By : Henry Clark - When somebody has done something good, it is right to provide him or her some rewards. For all the hardships and continuous service to the community, a worker is entitled to all the required benefits in exchange for all the services that he or she has done. It is for this reason that retirement benefits are extremely important. It is solely the best gratification one could ever have after so many years of working hard. In the military, people who work for the government... Individual Retirement Arrangement  By : Henry Clark - An IRA or Individual Retirement Account is an account regarding a plan to retire, which provides certain tax advantages. The Individual Retirement Account as most people call it is legally known as the Individual Retirement Arrangement. This can may be an annuity which is usually deferred or have an arrangement for a trust that meets particular requirements the Internal Revenue Service necessitates. This funding and trust by financial vehicles qualifies it as an acco... Credit card debt can be nearly insurmountable if you fail to keep an eye on it.  By : Talbert A topic we have covered extensively is the topic of credit card debt. And for good reason - most Americans have tons of it from the nineteen debit and credit cards they carry in their wallet or purse. Credit cards are great tools, and it’s useful to have them, but they represent a tremendous opportunity to fall into a deep hole that could easily lead to financial ruin. Part 2 Credit card debt may seem insurmountable, but the causes are often simple ones  By : Talbert In part one of this series, we examined a few of the most common reasons why many Americans are overwhelmed by credit card debt. In part 2 of this series, we will examine the remainder of the top ten reasons why many people are burdened with a debt that they cannot seem to repay. 100% Mortgage Refinancing – How To Get Approved  By : Carrie Reeder - 100% mortgage refinancing allows you to borrow against your equity, while hopefully lowering your interest rates. To get approved for a cash out refinance, you need to have excellent credit. Otherwise, you need to work with a sub-prime lender or apply for a line of credit. What 100% Refinanced Mortgage Can Do A 100% refinanced mortgage can allow you to take out all of your home’s equity. Anytime you cash out part of your equity, your refinance rates will increase. But r... 401k Retirement Plans Explained  By : Stu Pearson - 401k retirement plans are special types of accounts, financed through pre-tax payroll deductions. The funds in your account are invested in various ways. Your funds can be invested through any number of stocks, mutual funds, and other ways, and it is not taxed on any capital gains or interest until the money is pulled out or withdrawn. Congress approved this retirement savings plan in 1981, and its name was rooted from the section of the Internal Revenue Code that contains it... High Return Residual Income Is Possible, Not MLM  By : Jeff Dodson - Face it, when you hear the term "residual income" associated with a home business or income stream, most of the time you can bet the business is MLM. You see, residual income is a buzz term used by MLMer's to distract your attention away from the reality that they are selling MLM (I am NOT bashing MLM, just a fact). This is because, regardless what your personal belief is about MLM, many people have been pitched about some form of MLM "over coffee" so much they don't want to ... New bankruptcy law makes counseling mandatory  By : Talbert The average household in America now has nearly $10,000 in credit card debt. One in three families have a home equity loan in addition to their first mortgage. Americans are saving at a lower rate than ever before. As a society, we are spenders, rather than savers, and sometimes that spending gets us into trouble. Fortunately, there are a number of services available to the financially troubled, including advisors who can assist and educate consumers about managing money. You Can Afford To Be A Stay-At-Home Parent!  By : Jennifer Tarzian - From the moment I learned I was pregnant, I knew I wanted to be a stay-at-home mom. That feeling only strengthened when my beautiful son was born. I took one look at him and wondered how I could ever give up the opportunity to spend each and every day with him, watching him grow and learn, and exploring the world for the first time through his eyes. But there was a problem. We were a two-income family. How could we possibly afford to eliminate one of those incomes? Well, ther... Bankruptcy Law Changes - The Bad  By : Talbert The purpose of the new legislation, which President Bush recently signed into law, is to eliminate the so-called “bankruptcy of convenience.” Supporters of the bill allege that most personal bankruptcies are brought about by those with compulsive drug, gambling or shopping problems, and that such people simply don’t want to pay their bills. Currency in Bulgaria  By : Justin Aldridge If you are travelling to or doing business with Bulgaria then you'll need to know about the currency there and their banking systems. Seven Ways to Control Bad Spending Habits  By : iwilliamson Many people dream of retiring with a healthy bank account but few people actually achieve it. This is largely due to lack of discipline in building up their retirement fund and poor spending habits. While building a retirement fund requires time, you can accelerate the process by making incremental but positive changes in your spending habits. Here are seven ways that you can change your daily lifestyle for more positive results in your spending habits A Very Brief History of the Industrial Revolution  By : Jim Staller An insightful article about the dawn of the modern industrial era. Mediation And Its Benefits  By : Jane Simpson - Mediation is an alternative to litigation when disputes arise. Mediation is also known as arbitration. Mediation does not offer any guaranteed or specific results. Mediation is only a means of coming to a decision about a running dispute, keeping the interests of all parties or people in dispute. Some advantages of using mediation as a way of resolving disputes are: Mediation is comparatively much less expensive compared to litigation or any other ways of fighting. Set... Finding and Applying for Government Grants  By : Neal Brown Finding and applying for government grants is much more efficient today. Here is a step by step process for getting your share of the $400 billion available today in government grants. Entrepreneur Idea - One Idea, One Million Dollars  By : Martin Thomas - Exponential money generation is an old idea. Barely noticed by the average person, it is still the single most utilized concept by rich Entrepreneurs the world over. When we put an amount of cash in the bank, the bank will offer us an interest payment for the use of that money usually in the range of 5-10% depending on the current level of the over night cash rate. This passive income is very useful on a large scale. For example a person with $10 million dollars would be o... A Lesson At The Flea Market  By : V. Raposo - For those of you that don't know, I started my business 9 years ago at the flea market. I think back of all the fun that I had and when I started selling off odds and ends that I had around the house. After being there for a while I noticed something quickly, that I could buy certain products from the "newbies" who were coming in and then throw it on my table for more $ and voila a valuable lesson. This is what I did for 2 years! I went through my second pregnancy spend... Making Money With Information Products  By : Jim Donovan - Invariably, when I do a seminar, especially one about money or starting your own business, one or two people will come up to me and ask “What’s a good business to get into to make a lot of money?” Wrong question! In my experience, whenever I’ve done something purely to make money, I’ve spun my wheels and wasted a lot of time. Better, more powerful questions that are likely to produce significant results would be, “What am I passionate about doing and how might I e... Commercial Surety Bonds: Getting The Best Rate (Part 1 of 2)  By : Michael Weisbrot There are many factors that a surety looks at when underwriting commercial surety bonds. Learn what the bonding companies review and how to become the lowest risk possible so you can obtain the lowest surety bond rate. New York Bankruptcy Lawyer  By : Todd G In the United State, Chapter 7 bankruptcy is the most common type of bankruptcy filed. It is the process of liquidation. Discharged Bankruptcy? These Steps Could Help  By : R. Lawrence Anderson - If you have a discharged bankruptcy, here are three steps that could help increase your chances of qualifying for credit and loans: 1. Order copies of your credit reports You will want to order copies of your credit reports from the major credit reporting agencies (Experian, Equifax, and Trans Union) after your discharged bankruptcy. You can order your reports by mail, telephone, or online. You may even be entitled to a free copy of your credit report - check with ea... Is It Really Worth The Money?  By : Tony Moore - When it comes to services I sometimes wonder if the asking price is really worth it. I can usually find the service that I am looking for online. Then I have to look around to find witch one is going to give me the most for the money. Well I have found that if I go with the low ball guy, he is reeling me in for a huge sales pitch to asks me to spend more than I would with the high roller guy. Maybe that’s where I should have started my search. Then again I wrote an articl... Save Money And Get Rich Faster  By : JP Book - I just finished a Venti Latte at Starbucks, my fifth this week. As I enjoyed my coffee and thought about my next “save money grow rich” article, it hit me like a ton of bricks that my coffee could be the subject of my article. I started doing the math on the latte in my hand; Three dollars and forty cents multiplied by five times a week multiplied by fifty two weeks. That’s eight hundred and forty dollars I’m spending a year on fancy coffee! If I saved that money each year an... Brining Financial Services Online  By : Madison Lockwood - The variety of financial tools and services available today has multiplied dramatically from a generation ago. On both the personal front and in the business sector there has been a dramatic increase in the number of products available, the methods by which they are delivered and the services they require. The internet is a perfect system for laying out preliminary information in the financial services industry, where product options can get complicated fairly quickly. Bus... Medicare, Social Security and Retirement  By : Rangerrob Everything keeps changing, how do I keep up? Why is there so many choices? This is common question and concerns of most seniors today. The cost of health and prescriptions is higher today for seniors, averaging over $500.00 a month. When The Bank Says "No"  By : Cassandra Ingraham - Factoring has been practiced for centuries. The Romans sold promissory notes at a discount as did the Phoenicians. The word “factor” comes from Latin, the language of Rome. It means “to do” or “to make.” The Pilgrim’s journeys to America were financed by advances from a Factor who provided the funds to pay for the journey. The Pilgrims repaid the money with earnings from America. Factoring to this day is an extremely common business practice in Europe whereas many American bu... 5 Easy Ways To Cut Your Household Expenses  By : Mary Williams - Are you shocked when seeing your household expenditures every month? The expenses seem to increase every month. If you are in this situation, try these 5 recommendations before your extra paid money will accumulate to a significant amount! 1. Recycle those junk letters. Each month, you will probably received a dozen or more letters from direct mailing companies in your mailbox. Some of these letters are printed on one side only. Collect these letters and combined them i... Handling Your Money Effectively  By : Mary Williams - There is inflation every year. You cannot stop an increasing in living expenses as prices of consumer goods increasing all the time. Saving money becomes an extremely difficult task to do. Here are some solutions for saving a little so that you can still meet your needs and still find ways to trim off a little for the future. 1. Budget – Get one and stick with it! And set aside at least a small portion for savings while you’re at it; savings for your future, your retireme... Changing You Spending Habits  By : Mary Williams - It is every one dream being a millionaire and retiring with a healthy bank account, but how many people can actually achieve it? So few. This is largely due to lack of discipline in building up their retirement fund and poor spending habits. While building a retirement fund requires time, you can accelerate the process by making incremental but positive changes in your spending habits. Here are seven ways that you can change your daily lifestyle for more positive results in y... Spending Money Within $300  By : Mary Williams - Do you think this is a joke spending money only $300 a month for the whole family? With this tight budget, what sort of food would make the list? Could you save $25 a month on groceries? How about $50 or $100? Possibly you could cut your bill by almost 50% if you consider some of the following suggestions: 1. Divide the budget you have into three categories; weekly, bi-weekly and monthly. Once you have the totals fixed, try to find a way to make it work. If you budgeted ... Are You Looking For A Financial Planner?  By : Sandy Baker - A financial planner is an individual who manages the money of a family, a group or a business. They will provide you with the knowledge that you need about which are the right investments, how to manage them and what you need to do to be set for retirement, college, or to purchase your first home. A financial planner is quite necessary in this day and age. If you do not have one, you may not really know what to look for in those that you can choose from. Here are some help... Bankruptcy And Buying A House - Is It Smart To Buy A House After Bankruptcy?  By : Carrie Reeder - Each year, millions of people file bankruptcy as a means of erasing their consumer debts. While this approach may relieve stress, a bankruptcy is damaging, and will hang over your head for the next ten years. Still, it is possible to overcome bankruptcy. The key is making smarter financial and credit decisions. With this said, some people choose to purchase a home after a bankruptcy. Here are a few pointers to consider when buying a home. Reasons to Delay the Buying Proces... Saving Money Is The Slow Path To Financial Freedom  By : Francis Kier - Getting a job and not spending all the money each month is the slowest, hardest, and least efficient way to build up a big pile of money. Saving money is a worthwhile net worth building activity, but it doesn’t offer much more than that unless your goal is only to have a little cash at the ever-increasing age of retirement. This is because wages are the most heavily taxed source of income. Income taxes (federal, state, and social security) choke off about 35% of this earn... The Retirement-Savings Vs. College-Savings Dilemma  By : Francis Kier - Before a child is born, every parent considers (even if briefly) the cost of raising a child and to put them through college. And the question about saving money that you’ll consider at some point is: how do I evaluate whether I should be saving for my own retirement or saving for the kids’ college? The obvious answer is to save for both. But few young parents have the earning power and lifestyle discipline to have extra money left over at the end of the month. It simply i... Monitoring Your Finances Reveals Priceless Lessons  By : Francis Kier - A most important element for building wealth is to measure it. The people I know that have continually increased their net worth track it in order to direct it and stay motivated to reach ever higher financial goals. Seeing the quantifiable results of your spending and investing decisions is the first step to take control of them. Contrarily, the people I know in the worst financial shape have no idea where there money is spent and are too afraid to know what their net worth ... How Rich Is Rich?  By : Codi Morieta - Just how wealthy should a person be to be considered financially self-reliant? To the question "How Rich is Rich", there is no specific answer. It is likely that there will be a difference in opinion between two persons who may have the same financial status in life. We can expect an even obvious difference in answers between two persons who are not in the same financial status. Some answers may sound like the following: * A person is wealthy if he/she has a net w... Filing For Bankruptcy  By : John Rivers - Bankruptcy should be seen as the last resort for people who have got themselves into too much debt. It may seem the answer to all your prayers but bankruptcy is only able to solve certain debt issues. Remember, if you have filed for bankruptcy you may find it difficult to obtain credit in the future unless your bankruptcy has been cleared, or discharged for a number of years. Bankruptcy is very good for wiping out credit card debt. Unless you have a special secured credit ... 3 Easy Ways To Make More Money This Year  By : Brandon Hopkins - Successful business owners all have one thing in common, they are never satisfied with sales levels. Whether you are making $10,000 a year or $1 million a year, there is always a possibility for growth. Growth only comes when you realize it can happen. You will not grow if you are content or can't see the future possibilities for growth. Here are three easy ways that you can transform your business from the level it is at, into a profit making machine. 1. Always trac... Retire Early With Financial Planning Dos And Donts  By : Rosie Fletcher - It is a well known fact that nothing is permanent in this world. Everything is ephemeral. That is why it is always best to have backups, especially financial ones, in case things go out of hand. Hence, a good financial planning for your retirement is the most feasible idea in order for you to save for the future. DO’s 1. Do know what you are getting into When making financial planning retirement, it is best to make sure if the management team of the company where you... Controlling Your Finances  By : Christian Tylor - A person's finances are one thing that determines the way they live. It determines your lifestyle such as what type of car you drive or the area in which you live. Controlling your finances is a very important part of a person's life. Since just about everyone has a checking account it is important to know how to keep that account balanced properly. If you do not keep a close eye on your account then it could end up costing you a lot of extra money. If you write one check... Need Some Help? Think About Getting a Grant.  By : Hanu Nirukurti Do you want to go to college? Help the community? Start a business? Do you wish there were a way to improve the quality of life of your community? Have you ever said, “I really wish this could happen, and I know I can make it work, but I just don’t have the money”? Start Saving Money...Now!  By : Mike Collins - Could you use more money? Of course, who couldn't? Whether you are overwhelmed with bills and expenses or just looking to save some extra cash for a nice family vacation, you basically have just two choices: 1. Make more money. 2. Lower your bills. Making more money is easier said than done. Most people only get a salary increase that barely covers inflation and the increased cost of living. Add in the increased cost of healthcare, and many people actually have le... Spending Plan - A Nice Word For Budget  By : Dee Marie - To many people the word budget implies something constraining and negative. But a budget is really nothing more than a spending plan. By planning how and when you will spend your money, you are really just living within a budget. A budget is an essential element in money management. If you do not know where and when money is going to be spent, there is simply no way to control it. If you are not “made of money”, and who among us is, then control measures must be in place ... The Concept of Virtual Property  By : Zac Radford There are many forms of virtual properties from websites, domain names, scripts, ebooks and almost all type of marketing services. Virtual property is like online real estate prices fluctuate on a daily bases. Virtual property can make you a lot of money just like in real estate with way less of an investment. What Does the Consumer Want?  By : Tyler Benson As a company with long –term goals of development you should know what your customer wants. Without it you will hardly manage to build a good service for your clients. So, what are the clients’ present expectations? Starting a business? Are you realising a dream or avoiding a nightmare?  By : Mark Flanighan Everyone starts a business for different reasons. But is it to realise a dream or avoid a nightmare. Got Voice Mail?  By : Lydia Ramsey Use voice mail appropriately and it can be an incredible asset for your business. Use it the wrong way and it will drive your customers away. Why is it so hard to get ahead?  By : drew miles Today’s generation fears not that they won’t have something, but that they won’t have everything. Twenty-five percent to 50 percent of purchases are unplanned. What’s the big deal? The average American will retire with only $57,000 to live on. Step by step guide to creating a small business technology plan.  By : Eric Gurr The first step in creating a technology plan for your small business, or big business, is to understand clearly what you have now. The next step is to decide where you want to go. Surety Bond Bulk Discounts  By : Michael Weisbrot Think you will get a discount for obtaining multiple surety bonds? Think again. Surety bonds are really a form of credit, and as you make use of it bonding companies will be more hesitant to write additional bonds for you. Master This 7-Part Breakout Formula to Start Your Own Business  By : Vickie Milazzo If you have a passion for the thrill and independence of being an entrepreneur plus commitment to follow through on that passion, this 7-part breakout formula will take you wherever you want to go. DOES THE EARLY BIRD GET THE WORM?  By : Ken E Morris When people plan and invest for retirement, the decision of when to begin taking Social Security benefits eventually comes up. Social Security is an important source of retirement income for many individuals and, therefore, the decision of when to take these benefits can make a big impact on re Santa: The Consummate Entrepreneur  By : TimKnox You've probably never considered the fact that Santa is the CEO of a large organization that not only distributes a vast assortment of products throughout the world, but does so in a single night with just a sleigh and eight tiny reindeer. Sam Walton would have killed to have Santa's logistics manual. Are You Mentor Material?  By : TimKnox Typically, there are three things every good mentor should have: time, patience, and a genuine desire to help another person succeed without expecting anything in return. If you have an abundance of those things, then being a mentor can be a highly rewarding experience. If not, please see the rubber plant reference An Entrepreneur and a Life To Be Remembered  By : TimKnox Most of you who read this column probably have no idea who Corey Rudl was or what he accomplished during his short life, and that’s OK. You also have no idea of the imprint he made on me and millions of others who make our living (at least in part) as online marketers. Again, that’s OK. For all his accomplishments, those who knew him well have said that Corey was more concerned about building his businesses than being a public figure. By those accounts, Corey never really cared about being in th Is Brick and Mortar A Passing Fad?  By : TimKnox During the dot-com boom the mantra was “Brick and mortar is dead!” Then when most of the dot-com’s crashed like an elephant sitting on a wicker chair, the mantra suddenly changed back to “The Internet is dead! Long live brick and mortar!” Entrepreneurs Just Get Better With Age  By : TimKnox According to recent studies 22 percent of men and 14 percent of women over 65 are self-employed. That's compared to just 7 percent for other age groups. According to a Vanderbilt University study the number of entrepreneurs age 45 to 64 will grow by 15 million by 2006. When It Comes To An Office Lease, It's ALL Fine Print  By : TimKnox One of the biggest mistakes many entrepreneurs make when leasing commercial space is not reading the lease. Forget reading the fine print. When it comes to a lease its ALL fine print. Don't believe me? Let me tell you the true story of my friend, Homer, whose name I have changed to protect the ignorant. There Are No Dumb Business Questions, Not!  By : TimKnox I've gotten a few head-scratchers in response to this column. You know who you are, but don't worry, your secret is safe with me. I have a confession to make. Writing an advice column, whether it be advice for love or money or business, is often hard to do with a straight face. Occasionally a question comes over the digital transom that just makes me go, "Huh?" Veteran Entrepreneurs Are Growing In Ranks  By : TimKnox What my eldest offspring doesn’t understand is I have a great life. In fact, I am living the life I have always dreamed of living. My life just happens to revolve around Planet Business. I am an entrepreneurial addict, a business junkie. Business is my chocolate, my Krispy Kreme donut, my nicotine, my caffeine, my crack. Maybe I’ll start a 12 step program for entrepreneurs who want to kick the habit and charge a cover to get in. Hi, my name is Tim, and I’m an entrepreneur... Sounds like a great Business Is No Guarantee of Riches  By : TimKnox We have all had customers who expected far more than was their due: customers who were unreasonable, overly-demanding, condescending, hard to please and sometimes, even dishonest in their dealings with you. When a customer's reasonable expectations become unreasonable demands you must decide whether or not that customer is doing more harm to your business than good. Credit Cards, Merchant Accounts, and Your Bottomline  By : TimKnox The decision to accept credit cards is a wise one for any retailer. I agree with financial guru Dave Ramsey's teachings regarding the use and abuse of credit cards. Many people dig deep holes with credit cards that are hard to climb out of. But, from a practical business point of view, any retail business that does not accept credit cards is leaving money on the table. Do You Have What It Taks To Be An Entrepreneur  By : TimKnox There are a variety of skills you'll need to succeed as an entrepreneur and chances are do not possess them all. One of the great things about being an entrepreneur is that if you lack certain skills you can always hire people with those skills to help round out your company skill set. [1] [2] [3] [4] [5] [6]	Authors Sign Up for a free account. Submit your articles. Publishers Category RSS feeds. Resources Downloadable Audio Books Recommended Resources

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