Sunday, February 28, 2010

Guaranteed Profits from Symmetrical Triangle Chart Pattern

There are many patterns in the stock market. Some are reliable and most of the others are not that reliable. Its easier to stick to what works. Symmetrical Triangle Chart Pattern is a very reliable pattern and you are assured to get guaranteed profits from this pattern.

Have you ever wondered if there is any definitive pattern which can earn you guaranteed profits from Stock market?

Well, one of the most profitable and guaranteed pattern is a Symmetrical triangle chart pattern.

That is not to say that, this pattern never fails. But it wins most of the time and that is what matters most.

How to identify the pattern?

The price point moves and down irregularly. It shows that the market hasn't made up its mind which direction it wants to pursue.

It shows a state of confusion. And it reminds in this state for quite some time.

But soon the pattern starts to emerge.

If you start connecting the successive peaks, they start to converge towards the trough lines, as shown in the picture.

Profitable Break

This is a very good setup. You need to watch closely when the price breaks either the high lines or the trough lines.

You can enter the trade as soon as the pattern is broken.

But what if it is a false break?

You can easily identify that. If the price breaks the upper line, you will enter the LONG trade. Your stop loss is when the price falls down and penetrates the upper line below.

OK. But how do you find the profit target?

It's easy as well. The maximum height of the pattern is the required height. You can expect the price to move from the point of breakout to travel that height.

Why it works?

This pattern is one of the oldest patterns. People have studied charts long before, and understood this pattern.
So, as soon the breakout happens, everybody wants to join the bandwagon. And hence the price moves pretty quickly to the target point.

So, the earlier you enter the trade, the maximum move you will get.

Which direction will it break?

This is something nobody knows for sure in this symmetrical pattern. Hence its better to watch out which direction it breaks.

Conclusion

It is one of the profitable patterns which have worked over decades. And hence many traders have included this pattern in their arsenal.

Since it is followed by many professionals, it is important that you trade along with the trend.

It's easier that way.

Friday, February 26, 2010

Key Account Management - Shortcomings and limitations

Key Account Management is an effective relationship management mechanism provided that the firms build the appropriate database of key accounts with respect to their adequacy on the customer contribution margin.

Key Account Management is one of the four components of customer relationship management along with customer lifetime value, customer portfolio analysis and the relationship lifecycle. Key Account Management is defined as an appropriate relationship management mechanism that utilizes the value of trust in business relationships to achieve functioning relationships with the customers.

The internationalization of markets and customers require from firms an increasing customer orientation. In addition, the intensity of competition forces firms to implement Key Account Management aiming to improve organizational internal efficiency, while decreasing competitive pressures. The main concept of Key Account Management is to enhance the efficiency and effectiveness of relationship development and management. In mature markets customers are more sophisticated and demanding, and firms need to develop customer oriented strategies to meet customer satisfaction. To achieve that, Key Account Management focuses primarily on establishing trust with customers.

Key Account Management unlocks the customer potential by emphasizing on mutuality in business relationships. Progressively used as a value-adding marketing approach in customer-centric organizations, Key Account Management facilitates relationship management by recognizing the appropriate key accounts to manage, involving them in the process and including key scenarios in this approach. Applying detailed customer segmentation, Key Account Management allows for product/service differentiation according to expected customer requirements, while minimizing the market risk.

Firms that develop key account management skills follow strategic marketing management decision reflected on the emphasis given on the right marketing mix. Demographical data including industry structure, number of employees, sales volume, the firm’s international operations and the product characteristics, are taken into consideration in the implementation of Key Account Management. In addition, firms that engage in Key Account Management should craft suitable two-way plans and structure the appropriate team approach to ensure that they can offer different value proposition than competition.

Despite numerous advantages, Key Account Management has shortcomings and limitations. Primarily, it faces a difficulty in determining the key accounts. Criteria such as sales volume have been questioned a lot. Although various B2B companies consider sales volume and market share as appropriate criteria to determine a key account, customer contribution margin is applied only by 33% of the companies pursuing Key Account Management. Moreover, many firms still use traditional cost-accounting systems, although the new approach necessitates reconsideration of obsolete valuation approaches.

In conclusion, Key Account Management is an effective relationship management mechanism provided that the firms build the appropriate database of key accounts with respect to their adequacy on the customer contribution margin. Finally, firms should frequently measure and monitor the results of Key Account Management implementation in order to take corrective action if necessary and to reclassify where appropriate.

Thursday, February 25, 2010

Portfolio Management approach to IT planning

Portfolio management enables organizations and IT executives to decide on and prioritize IT investments that would support the organizational objectives efficiently, while balancing the risk involved in the process.

Portfolio management enables organizations and IT executives to decide on and prioritize IT investments that would support the organizational objectives efficiently, while balancing the risk involved in the process. In particular, portfolio management provides a collaborative setting, where the decision-making upon projects which are added into the organizational portfolio is driven by specific business criteria, aligned with corporate governance and culture. In that way, portfolio management improves the business performance, while providing simplicity and precision into the process.

Planning and managing different IT investments as a portfolio of diverse investment categories, i.e. transactional, informational, strategic, and infrastructure, leads to the optimization of risk and return on these investments. Organizations follow portfolio strategies in order to achieve transparency suggesting that the more complex the decision-making process is the less optimum the investment decisions become.

Examples of IT Portfolio Management

Transactional IT investment would be performed by a company like UPS. UPS is a leading provider of specialized transportation and logistics services globally and a corporation of near US$43 billion aiming to facilitate global commerce. In logistics industry, time and convenience of service are essential. A major part of UPS’s success is attributed to the committed use of IT. UPS offers free package tracking services to its clients so that they knew precisely where their package is at any given minute and when it would be actually delivered. Before the use of IT technology, tracking services were provided via phone calls which generated additional call centre costs of $2 to $6 per customer. Today, with the use of transactional IT investment UPS offers a higher quality of services at a lower cost, thus cutting costs and increasing productivity and customer satisfaction.

Informational IT investment would be performed by a company like 7-Eleven. 7-Eleven is the largest operator, franchisor and licensor of convenience stores globally. Being a customer-centric corporation, 7-Eleven uses IT in order to gather information about trends in accounting, compliance, or communication to be able to improve the service provided and to introduce new product lines. In that way, 7-Eleven increases profit margins by constantly meeting customer needs through a consistently high-quality offering of products and services at reasonable prices. Moreover, through informational IT investment, 7-Eleven uses proactively the information towards a better decision-making and it achieves better information, better integration, faster operations and increased control over its business practices.

Strategic IT investment would be favoured by a company like Carlson Companies. The organization provides a broad range of services operating as a global leader in the marketing, travel, and hospitality industries. Through Carlson Shared Services the organization offers also IT and financial services, which signifies the introduction of innovative products in the market. In that way, it gains competitive advantage and improves global positioning. Typically, strategic IT investment is viewed as high-risk high-return strategy; however organizations that favor this type of IT investment enjoy high profitability through product innovation.

Infrastructure IT investment would be applied by a company like Raytheon Company. Being a global technology leader in defence, homeland security and other government markets, Raytheon views infrastructure IT investment as a means to provide standardized high-quality products and reduce costs. Moreover, enhanced IT infrastructure capability facilitates IT initiatives and flexibility. Providing excellent electronics, mission systems integration, and other capabilities in the areas of sensing, effects, command, control, communications, intelligence systems, and mission support services, Raytheon would need to invest highly in IT infrastructure to ensure business flexibility, business integration, and reduced IT costs.

Wednesday, February 24, 2010

How to Create an E-Mail Signature in Hotmail?

Does your e-mail you send from Hotmail have a signature? It helps announce the products and services you offer. Create a powerful e-mail signature in Hotmail and use it as a marketing avenue.
Do you know that your e-mail signature in Hotmail can serve as a marketing rep who work 24X7?  Yes, your e-mail signature can be a great way to promote your business without cost.  This step-by-step tutorial teaches you how to create an e-mail signature in Hotmail.
What is E-Mail Signature?
It’s the content you add at the end of your e-mail message.  Here’s the good news: Once you create an e-mail signature in Hotmail, it automatically adds the signature to every e-mail message you send.
You can also customize your e-mail signature on the go.  That is, if you wish to modify your e-mail signature in Hotmail for a particular message, you can do so in the message composing window.  Your default e-mail signature, however, remains intact.
Content of E-Mail Signature in Hotmail
Add info like your name and title to your signature.  Also, create a link to your website.  That way, prospective buyers can visit your website right from your e-mail message.  If you’ve a blog you can add a link to that too.  The same is also true if you’ve a presence in social media sites like Twitter.
A powerful tagline can also be a part of your e-mail signature in Hotmail.
List your main products or services in the e-mail signature.  For example, if you’re a freelance writer, highlight your key areas of writing.
Example of an E-Mail Signature in Hotmail
John Doe
Freelance Writer
Quality Content for your Business
Website: mywebsite.com
----------------------------------------------------------------------------
Article Writing --- Web Content Writing --- Copy Writing
----------------------------------------------------------------------------
Step-by-Step Tutorial to Create an E-Mail Signature in Hotmail
STEP 1: Login to your Hotmail Account.
...........................................................................................................................................................................
STEP 2: Click Options > More Options
...........................................................................................................................................................................
STEP 3: In the Customize your mail category, click Personal e-mail signature
...........................................................................................................................................................................
STEP 4: Type your message in the e-mail signature composing window
...........................................................................................................................................................................
STEP 5: Click the Save button

Tuesday, February 23, 2010

Managing Finances Effectively

Managing Finances Effectively
Money is an important need of every individual. People say money makes the world go around and it’s the reality. Right now, the world is faced with financial crisis and almost everybody is striving to balance their expenses with their income. However, with continues increase of goods and services price, the people are left with only two options: whether to cut off their expenses or increase their income by looking for other means of earning more.
Somehow, one reason why people experience financial problems is because they lack effective strategies on how to manage their finances effectively. Hence, this article outlines some practical helpful tips on how to manage finances effectively.
  1. Determine needs and wants. Grab a sheet of paper and list down all the things to be purchased. Then carefully examine the list to determine those “needed” and “wanted” things. Needs are those that a person can’t live without like food and shelter, while wants are those that a person can live without like extra or luxurious bags, accessories etc. After which, separate those needed from wanted list.
  2. List down the priorities.  Having listed the “needed” things, it is also important to arrange the “needed” list in the order of priorities. The most urgent needs are ranked as the top priority down to the least priority.
  3. Budget expenditures. Put assumed market prices of the needs and see if the available money can cover them all. If not, buy first the things under top priorities. Keep track on all of the expenses being incurred weekly or monthly. This way, it will be easy to determine what area spends more money and examine if there is a possibility to reduce the expenses.
  4. Avoid impulse buying. Impulse buying is also called an uncontrolled spending. This usually happens when people go to the malls or markets. This is why discipline is needed in handling money. It would be better not to bring more money in the grocery stores or malls than what is actually needed. Through this, impulse buying can be avoided since there is no extra money to spend.
  5. Avoid having debts. Debts make life even harder. It is so easy to apply and get approved for loans or credits but it is very difficult to pay. It is then important to avoid having debts as far as possible.
  6. Always set aside something for savings. It is very important to save something to be used during emergencies. There has to be an amount saved weekly or monthly no matter how tight the finances are.
As a conclusion, financial struggles or problems can be minimized through effective management of finances that should be adopted by each household or individual.

Sunday, February 21, 2010

Money-Making Sites: Scam or Not? Money-Making Sites: Scam or Not?

Money-Making Sites: Scam or Not?

Many people have turned to making money online. It seems everybody is desperate to earn money in any way because of financial problems and also lack of employment. In return, so many sites are being promoted in the internet that let’s the users earn money online. However, not all sites are legitimate or legal. There are so many scam sites that seem to be legitimate and can easily fool surfers. How then can we determine scam sites from those legal sites? Here are some tips:

1. Legal or legitimate sites don’t offer as high as $100 for paid to click advertisements. Those who offer easy money are likely scams. Like when the site says that a person can earn $100 in just one day, it isn’t practical at all. How could advertisers pay the creator of the sites with a very high amount? Of course the source of the would-be income of users will be from the advertisers themselves and with the number of people wanting to earn much; the advertisers won’t be able to pay all of them. The same with the payout. The higher the payout is, the more likely that the site is a scam. One example is the site that offers until $100000 payout. Who in the world will throw that amount to anybody? That’s a very big amount of money. If the site is true, then many people should have been made rich. Look for sites that have smaller payouts like $1 to $10.
2. Legitimate sites don’t ask for registration fees. Those paid to click (PTC) and GPT sites requiring for a registration fee is more likely a scam. Why? Because legitimate PTC and GPT sites are free to join. Paid to write sites are also free to join.
3. Ask questions. It is very helpful to ask question or search the web to know the different comments of people regarding the site before joining. There is no use spending time with a site that won’t pay you in the end.
4. Be vigilant and keen. If it happens that the site is scam, make some move to report the site or post negative comments regarding the site to warn other surfers not to participate in the site.

It is always better to spend much effort and energy before earning something. The desire to earn easy money through the net can lead to disappointment

Saturday, February 20, 2010

Tips for reducing your grocery spending

As the title states, I provide some effective tips for reducing your grocery spending. Following these tips should significantly reduce your grocery bills.

Most of us spend big portion of our income on groceries. Grocery bill cannot be avoided. However, it can be significantly lowered. All you need to do is follow my tips for reducing your grocery spending. I will start with ones that are the easiest to follow. So, here they are:

Make a list

Yes, it really is the easy one. You might even think that this tip is useless. However, wait a little while and read this paragraph before you condemn this idea. Making a list and sticking to it will surely help you reduce your grocery spending. In fact, it can significantly reduce your expenses. The reason is simple – you will not buy anything other than things you planned to. This is very important, because there are many effective traps set for you in stores. You can avoid them by making a list of things you need to buy and sticking to that list saving some money every time you go shopping.

Avoid shopping while you are hungry

It is very simple. You tend to buy more groceries when you are hungry. This may lead to significantly higher grocery bill as you will buy many unnecessary and often expensive items. You should always plan your grocery shopping trips in advance and execute them with full stomach.

Realize that sales are your enemy

Well, it is not entirely correct. Sometimes, sales can help you lower your grocery spending. However, they have exactly opposite effect most of the time. You may ask yourself: “How is that possible?” The answer is really simple: Sales usually make you buy something you would not buy under normal circumstances, thus raising your spending. Always buy only groceries you need. Ignore sales, unless they include your desired groceries or their equivalent (of course only in case that item under sale is less expensive).

Ignore advertisements

Many advertisements tell you that buying certain product is good for your health and budget. However, be careful! All advertisements are meant to persuade you into buying some product. Simple and unimportant facts about that product are said in the words promoting that product into something great and even magical. However, do not believe such things. Every grocery product advertised in TV or magazines has some cheaper (and often better) equivalent that you will not know of until you go search the shop for similar product. Another fact is that if you did not need advertised product before you saw the ad, it is highly probable that you still do not need it now. Keep this in mind every time you write your shopping list.

Avoid restaurants

Meals served in restaurant are almost always more expensive than meals prepared at home. Keep in mind that restaurants profit on making your lunch. Prepare your own meals at home and visit restaurants only on special occasions (or never). You are sure to reduce your grocery spending.

Now, it is the time for some harder-to-follow tips for reducing your grocery spending.

Let special treats stay occasional

It is simple. Do not buy so much candy and more expensive non-essential groceries so often. Start buying them only on special occasions. Another option it to buy some of them on regular basis leaving some gaps between each purchase (f.e. buy candy only once a week and only in small quantities). This tip is harder-to-follow because most of us think they cannot survive without candy and other special treats.

Grow your own food

Do you like gardening? Then stop growing only flowers and plant some vegetables or fruit trees too. Growing all your food is almost impossible these days. However, growing some vegetable or even fruit can significantly lower your grocery spending. I agree that this is not for everybody, but it can help a lot.

Friday, February 19, 2010

It wouldn’t be hard to predict that it’s going to be more difficult to make money in 2010. Employees and entrepreneurs alike are experiencing a decline in their earning power due to pay reductions, job layoffs, and consumer spending cuts. Investors who had previously benefited from lucrative profits in the money market now have to cope with decreasing returns. How can you survive when you are not earning enough? Let’s look at some of the typical challenges that people are facing today and offer some possible solutions to these problems: Situation: Your boss is cutting your work time to four days per week, and you stand to lose 20 per cent of your pay. Don’t use that day to stay home and mope about your loss. Those extra hours away from your regular job can provide the perfect opportunity to take advantage of a business idea which you never had the time to pursue. If you hadn’t seen the need to create your own income before, get busy and brainstorm some ideas to earn extra money. Your first goal is to replace your lost income. Break down your shortfall into a manageable figure; for example, if you stand to lose $10,000JMD per month, think of something you could do on your day off to earn $2,500JMD. Calculate how many customers you would need to reach your target. What service or product could you sell to 25 people in your community to earn $100JMD from each person? Situation: You graduated from college with a management degree, but a year has passed and you’re still unable to find a job. Widen the scope of your job search — don’t limit yourself to a typical managerial position. There are some fields that are always recruiting new persons, such as the life insurance industry, the army or the police force. You could actually find a satisfying career in the long term. The reality is that we need more entrepreneurs in Jamaica to create job opportunities for new entrants in the job market. If you can’t find employment, then you may have to invent your own job. What skills and talents do you have that could provide an income? Many small businesses are contracting out their data entry, marketing, accounting and Internet correspondence needs; if you can supply these services, you may be in the money. Situation: The company you worked for has closed down; your previous job was in a specialised field and there are few other businesses that utilise your area of expertise. If you’re facing a roadblock in securing another job, you may need to look far and wide to locate employment. The great news is that the Internet provides a virtual marketplace that can help you to link with a buyer for your services. Post your résumé on websites such as Monster.com or register with Elance.com or Odesk.com to find freelance work. You could also examine the possibility of sharing your specialised knowledge with others. Is there a need for training courses or educational material in your area of expertise? Can you create a new service that would appeal to a wider retail market? For example, a geophysicist with extensive information on earthquake activity could hold seminars to teach people how to prepare for this natural disaster. Situation: You are a self-employed hairdresser and many of your customers are cutting back on your services. Consumers are now looking for better value for their money, so you have to respond to changing customer demands by giving more for less. One option is to offer frequent user specials, such as one free wash and set if your customer pays for three within one month. Try to increase your business volume by designing a referral programme that will encourage existing customers to market your services for you. For example, you could offer a 25 per cent discount on services to anyone who brings a new customer. Situation: You’re retired and you depend on the interest from your investments to pay your bills. Recent changes in the government paper market will reduce your income significantly. If your earning source has decreased, you may be forced to find additional methods of generating an income. Don’t be disheartened by this development, as there are many retirees who are actually enjoying their ability to make money in areas that are exciting and fulfilling. There are always available openings to work part-time if you have professional skills such as teaching or nursing. You could also look at providing consulting services or training persons in your field. Consider using your hobbies to create income; you could provide organic vegetables to the supermarket or sell ceramics or paintings at craft shows. To succeed financially in 2010, you have to become more industrious and innovative in generating income. Don’t sit back and wait for someone else to make a job for you - get creative and do it yourself!


Most males realize that females will get an advantageous rate for their car insurance because they are less likely to be involved in an accident. Although there are many factor involved with this, the main reasons point towards their driving manner and the types of motorcars they drive which are mostly more sensible then males.
Most males realize that females will get an advantageous rate for their car insurance because they are less likely to be involved in an accident. Although there are many factor involved with this, the main reasons point towards their driving manner and the types of motorcars they drive which are mostly more sensible then males.
For these reasons, car insurance providers are happy to provide a discount on their insurance premiums not afforded to male drivers. However, potentially they can have as many accidents as men but when they do have one they generally have less damage to their vehicles. In light of these facts it is not surprising to find that the insurance premium a woman will pay is usually around thirty percent less than that paid by a man.
Of course the primary reason insurance rates for women are lower are because they are slower, safer drivers therefore accident repairs are not as high as for men. As the speed that most male drivers travel at is substantially higher, often above the speed limit for the highway; when accidents occur, they result in far more damage to the vehicle and a greater cost to the insurance provider. The insurers also treat females, even if they have just passed their driving exam, as a lower risk and are able to apply for further discounts.
In view of this, a number of specialist car insurance underwriters will only sell their car insurance plans to females with no men allowed, not even husbands. Providers are just trying to protect their assets and other members’ premiums which will have to rise if they have to pay out for big claims made by male drivers.
Some of these insurance firms find the only way they can increase their overall profits is by having a big number of members because the cost of premiums are lower, their profit margin is correspondingly less. If you are a woman then you really need to get a quote for a lady's automobile insurance preferably one that includes legal cover as well as it will help to claim back any excess from the third party in the event of a non-fault claim. It is invariably possible to obtain further reductions in the premium by fitting anti-theft devices and parking in a secure garage when not in use.
One last point to consider is the size of the insurer, specialist women only insurers are usually smaller and may not be able to compete with a general insurance company that is much bigger. Thus, check out these females only insurance firms by all means but shop around and get the best quote you can as you may find it less expensive elsewhere.

Thursday, February 18, 2010

2010 Action Plan: Control Your Income


It wouldn’t be hard to predict that it’s going to be more difficult to make money in 2010. Employees and entrepreneurs alike are experiencing a decline in their earning power due to pay reductions, job layoffs, and consumer spending cuts. Investors who had previously benefited from lucrative profits in the money market now have to cope with decreasing returns.
How can you survive when you are not earning enough? Let’s look at some of the typical challenges that people are facing today and offer some possible solutions to these problems:
Situation: Your boss is cutting your work time to four days per week, and you stand to lose 20 per cent of your pay.
Don’t use that day to stay home and mope about your loss. Those extra hours away from your regular job can provide the perfect opportunity to take advantage of a business idea which you never had the time to pursue. If you hadn’t seen the need to create your own income before, get busy and brainstorm some ideas to earn extra money.
Your first goal is to replace your lost income. Break down your shortfall into a manageable figure; for example, if you stand to lose $10,000JMD per month, think of something you could do on your day off to earn $2,500JMD. Calculate how many customers you would need to reach your target. What service or product could you sell to 25 people in your community to earn $100JMD from each person?
Situation: You graduated from college with a management degree, but a year has passed and you’re still unable to find a job.
Widen the scope of your job search — don’t limit yourself to a typical managerial position. There are some fields that are always recruiting new persons, such as the life insurance industry, the army or the police force. You could actually find a satisfying career in the long term.
The reality is that we need more entrepreneurs in Jamaica to create job opportunities for new entrants in the job market. If you can’t find employment, then you may have to invent your own job. What skills and talents do you have that could provide an income? Many small businesses are contracting out their data entry, marketing, accounting and Internet correspondence needs; if you can supply these services, you may be in the money.
Situation: The company you worked for has closed down; your previous job was in a specialised field and there are few other businesses that utilise your area of expertise.
If you’re facing a roadblock in securing another job, you may need to look far and wide to locate employment. The great news is that the Internet provides a virtual marketplace that can help you to link with a buyer for your services. Post your résumé on websites such as Monster.com or register with Elance.com or Odesk.com to find freelance work.
You could also examine the possibility of sharing your specialised knowledge with others. Is there a need for training courses or educational material in your area of expertise? Can you create a new service that would appeal to a wider retail market? For example, a geophysicist with extensive information on earthquake activity could hold seminars to teach people how to prepare for this natural disaster.
Situation: You are a self-employed hairdresser and many of your customers are cutting back on your services.
Consumers are now looking for better value for their money, so you have to respond to changing customer demands by giving more for less. One option is to offer frequent user specials, such as one free wash and set if your customer pays for three within one month.
Try to increase your business volume by designing a referral programme that will encourage existing customers to market your services for you. For example, you could offer a 25 per cent discount on services to anyone who brings a new customer.
Situation: You’re retired and you depend on the interest from your investments to pay your bills. Recent changes in the government paper market will reduce your income significantly.
If your earning source has decreased, you may be forced to find additional methods of generating an income. Don’t be disheartened by this development, as there are many retirees who are actually enjoying their ability to make money in areas that are exciting and fulfilling.
There are always available openings to work part-time if you have professional skills such as teaching or nursing. You could also look at providing consulting services or training persons in your field. Consider using your hobbies to create income; you could provide organic vegetables to the supermarket or sell ceramics or paintings at craft shows.
To succeed financially in 2010, you have to become more industrious and innovative in generating income. Don’t sit back and wait for someone else to make a job for you - get creative and do it yourself!

Wednesday, February 17, 2010

What to do with a tax refund


So, you have a large sum of money in your hand. What should you do with it?
It's that time of year again; tax time. Most people don't have an accurate W-4 on file with their employer so they will get a tax refund. When you get your tax refund this year, you may want to consider saving it. We live in uncertain times and saving is never a bad idea. So, you have a large sum of money in your hand. What should you do with it?
Savings Accounts are offered by most banks. There is usually a small minimum amount to open the account and some will charge a maintenance fee if it drops under a certain amount. These types of banks are typically used as overdraft protection. They tend to have very low interest rates.
Money Market Accounts are also a bank offered account. While MMAs are similar to savings accounts there are differences. They usually have higher minimum balances and a limit on the amount of withdrawals you can make per month. The trade off is that they have higher interest rates and some offer the ability to write checks against your balance.
Certificates of Deposit are offered by your bank. They are in essence you loaning your bank money for a set period of time. In return they will give you a predetermined amount of interest on your money. The downside to certificates of deposit is that the money is considered untouchable. While you can technically withdraw the money, you will take a penalty on the interest earned. If the interest rate is good and you will not need the money, consider using this option.
Roth IRA is a retirement plan. You can open one through many companies. Some companies will have a high deposit requirement. Some companies such as ING do not. Roth IRAs are a good investment tool for your future. You should be aware that there is a maximum amount of money you can contribute to your IRA per year.
A Debt Snowball plan is not strictly speaking a savings tool. The money you pay to get rid of debts however will save you in interest in the long wrong.
Investing should be considered if you already have an emergency account, no or low debt, and have fully funded a retirement program. You can use a program such as Sharebuilder and do it yourself or you can contact a financial advisor for assistance.
By no means is this meant to be an exhaustive list. There are other options such as savings bonds and educational funds. Make sure to do your research before you commit your money anywhere.

Tuesday, February 16, 2010

Psychology of Foreclosure


Foreclosure; that's right I said it. A lot of people treat it like a dirty little word they whisper behind their hand. With the economy tanking and job losses, foreclosure has become a reality for a lot of Americans.
Foreclosure; that's right I said it. A lot of people treat it like a dirty little word they whisper behind their hand. With the economy tanking and job losses, foreclosure has become a reality for a lot of Americans. Some are people who bought too much house. Others decided to get an interest only mortgage or an adjustable rate mortgage and can no longer afford the payment. For some, medical bills and other emergencies have drained all their resources.
What is foreclosure? Foreclosure is when you are no longer able to make your mortgage payments. The bank will begin proceedings to take the house in lieu of payment. It will mar your credit score for years to come. You could be slapped with a deficiency judgment. This is the difference between what you owe and what the bank is able to sell the property for.
Now there are a lot of people out there who like foreclosure. It provides cheap homes that they can potentially flip. For most though, foreclosure can be a devastating loss. People will hang on to their homes long after they realize it just isn't a feasible option anymore. Why do people do this?
The people who have the easiest time with foreclosure are those who look at it as an investment choice. For some reason, their investment in the building is no longer working out so they cut their losses and move on. For others though, the house is a part of their family. It has tick marks and growth charts on the wall. It has memories.
Before you go through the process of foreclosure, educate yourself. There are a lot of aspects you will need to be familiar with.
Find out how it will impact your credit. Foreclosure will drastically reduce your credit score. That being said, if you are behind on payments for your mortgage or other bills, have collection agencies calling and cars repossessed, your credit is already going to be trashed. You can live without credit.
Find out the tax implications. They sell the house for less than what its worth, then the government could consider this income. Find out what you will need to report on your tax return.
Research what it will mean for any future home ownership. There have been new regulations regarding this topic. It can be several years before you legally could qualify for another mortgage.
Lastly, try every option you have before going through it. Some banks will work with you with loan modification and payment deferment. It's important to communicate with your mortgage holder.
Society has put a stigma on foreclosure. If you foreclose on your house, that means you are a deadbeat loser who won't pay their bills. Society has turned what is in essence a business and financial decision into a black mark against the character of the person themselves. It is important to understand that having a foreclosure is not an indication of your character as a person. Life can happen. Medical bills and emergencies arise. Step back from the emotional aspect and look at the situation from a business perspective. No one wants to foreclose on their house. Sometimes, it is unavoidable.
Credit can be rebuilt. Another home can be bought in the future. There is life after foreclosure.

Monday, February 15, 2010

Personal Finance Websites


Personal Finance is a hot topic these days. The most important part of personal finance is getting good information. You can save all the pennies you have but if you don't know what to do with it then you are in trouble. The most important part is making your money work for you.
Personal Finance is a hot topic these days. People are always interested in their money. There has just been a shift from people wanting to spend it to people wanting to save it. The most important part of personal finance is getting good information. You can save all the pennies you have but if you don't know what to do with it then you are in trouble. The most important part is making your money work for you.
There are a lot of websites, blogs and articles that offer personal finance advice. For every website you read, you can find another that contradicts it. It is important that any advice that you take is given by a credible resource so you aren't taken in by a snake oil salesman. The following are four websites that specialize in personal finance information.
Kiplinger is a publisher of business forecasts and personal finance advice. They provide a weekly business periodical for management professionals and the monthly Kiplinger's Personal Finance magazine. They provide in depth information on investing, family finance, retirement and business information.
Bankrate is the leader in publishing financial rate information. They also offer personal finance columns and articles. You can utilize their many calculators to determine interest rates, amortization calendars, and debt payoffs. They provide in depth information on credit cards, insurance, retirement and loan information.
The Motley Fool is a financial services company that produces a website, book, newspaper column and newsletter. They provide a common sense approach to personal finance. According to their website, "The Motley Fool provides financial solutions for investors of every kind. Our products and services -- whether free or fee-based, online or offline -- are designed to help people take control of their financial lives."
Feed the Pig.org is a website that was designed by the AICPA (American Institute of Certified Public Accountants) and the Advertising Council. They provide tools to get you on the right track to saving. They offer quizzes, tips and other resources to help you achieve your goal. One nice aspect of this website is it helps you identify your savings personality and set up your goals. It will then allow you to sync it to your Facebook profile to stay on track.
Before you make financial decisions make sure to do your research. Find out who the person is who is giving you the information and research the information to see if it is correct.

Sunday, February 14, 2010

How to Rebuild Your Credit Using Your 2009 Tax Returns

Rebuilding your credit is not that difficult. It takes time, patience, the right resources, and a good start. As a victim of the bad economy crisis, I too had to start over, and my future is looking brighter than ever. The beginning steps I followed in the rebuilding process is very simple and it works! I’ve been successful and it has been a rewarding experience. Use your 2009 tax return and follow these steps to start rebuilding your credit.
File your 2009 income tax return. Use the money you get back to get a secured prepaid credit card.
Search for a good secured credit card. There are a lot of companies out there. Google, “secured credit cards”, “secured prepaid credit cards”, “secured visa credit cards“, or “secured MasterCard credit cards. You should see Bank of America, Orchard Bank, Capitol Bank, just to name a few. I personally choose First Premier Bank. However, choose the one that works for you and your family, but whatever you choose make sure it will REBUILD YOUR CREDIT!

When you apply for the card of choice, you will be approved and it takes about 2 weeks to get the card in the mail. Whatever the fee is for that card company pay it right away. For example, First Premier Bank gave me a $300.00 limit, and I had a $179.00 fee to pay, and I paid it immediately with online bill pay at my bank.
Now after you pay the fee, not before, then you start using your card. Now here is the trick to really rebuilding your credit. DO NOT use the card unless you have the money to pay it off the next day! Why you ask? It’s simple, if I have $70.00 in my bank account and I need gas, I use my prepaid card and when I get home I go online and send the gas money from my bank account to the card company. All you did was use the money you already have AND you don’t have to worry about the interest rate, or finance charge. If you pay your card balance off within 2 weeks, you don’t have to pay the interest. Even though you have 30 days to pay a minimum balance of $15.00 to $25.00, you don’t want to ever do that, because they will tack on the interest. Also, never charge over 50% of your credit limit, example, if your credit limit is $300 never charge over $150.00, NEVER!

The above step is the most important step and it will get you on your way to your second credit card. Do the same with that card and when you check your credit report watch and see your score go up. This process takes about 6 months, but it is worth it. You can then start using those credit cards to pay on hospital bills, student loans, or whatever you are behind in. But remember, don’t use the card unless you know you will have the money within 2 weeks to pay off the balance. Paying off the balance will save you the finance charge, you just pay dollar for dollar, and that is a win, win, win, for YOU!

Saturday, February 13, 2010

What Is A Sole Proprietorship, And What Are its Advantages And Disadvantages?

The sole proprietorship is the simplest and oldest form of business structure.  It’s also the most prevalent form because it is easy to create, transfer ownership, or dissolve.  Registration requirements depend upon the state that it is located in.  The owner can also choose a fictitious name, which allows him to open business accounts at banks in that name.

 Identity
The identity of a sole proprietorship and the business owner are one and the same which allows some definite advantages over more complex structures.  The operation of the business is centralized around, and controlled by the owner himself.  This makes the decision making process simpler with less need for discussions. 

Taxation
Profits from the company’s activities go directly to the owner, and are taxed on his own personal tax returns.  The revenues are taxed at the owners own personal tax rate.  This is a definite advantage compared to the double taxation that corporate profits receive.  A corporate tax is applied to business profits, and then dividends are taxed as income on the personal tax returns of shareholders.  You don’t have to be a C.P.A. to see the tax advantage to the difference between the two.

Unlimited Liability
There also disadvantages to having a single owner.  The most well known is unlimited liability for the debts of the business.  All of the debt that a business incurs from its activities is the sole responsibility of the owner.  This means that all of his/her personal resources are at risk for paying off creditors if necessary.

 Financing
Raising funds for the business needs of a sole proprietorship can also be difficult, as the credit rating of the business is the same as the owner’s own.  A personal bankruptcy on an owner’s credit record can make debt financing for the business particularly difficult.  Quite often an owner must use his or her own personal assets, which includes consumer loans.

Upward Mobility
Attracting qualified employees can also be difficult.  Employment with upward mobility might involve becoming a partner, which both parties might be reluctant to accept, especially since it would mean changing the legal structure of the business itself to that of a partnership.

 Business Risks
As a company grows, so do the business risks.  These risks can be reduced by spreading them out among more than one owner in the form of a partnership.  They can also be limited completely to the company and not the owners at all by forming a corporation.   Some sole proprietors do find other ways to deal with the higher risks due to growth, and their companies can become quite large.

A sole proprietorship is a good way to begin a business due to its ease of formation with many other definite advantages that make it appealing to many, including the administratively challenged.  Those that prosper and experience significant growth are offered other options to deal with these problems, which make for some interesting legal and accounting differences for those who appreciate those things.

Friday, February 12, 2010

How to Save Your Money up and How to Save Money and Be Frugal

Step
1
Adopt a simpler hairstyle that doesn't require frequent trimming in order to look good. Getting your hair trimmed every three to four months instead of every month could save you $250 to $600 or more a year. Getting less frequent perms can double that savings.

Step
2
Don't waste big bucks on a wide assortment of cleaning supplies. Baking
soda and vinegar can do almost any cleaning job just as well as the expensive store-bought cleaners, for a fraction of the cost.

Step
3
Just because you have a car at school doesn't mean you have to use it
everywhere you go. Walk or bike whenever possible. You'll feel more energetic, stay fitter, and save money on gas, parking, and wear and tear on your car. Save the car for longer trips, grocery shopping, or bad weather.
Step
4
The rule is simple on making money and saving money. Do it now, do it now. Don't make more liabilities for yourself
How to Save Money and Be Frugal
Step
1
Learn to wield a needle and thread well enough to sew on a button, hem a pair of pants, or fix a small tear. Otherwise you'll waste money buying new clothes you don't really need just because of a minor problem like a loose button.

Step
2
Limit your online shopping. When you make a purchase online, record it
in your check register or on a log of credit card purchases so you can keep track of how much you've spent that month. Online purchases can become
addictive because you don't feel like you're spending real money, and they can add up very quickly. Keeping a list provides a reality check.

Step
3
Use your computer to make greeting cards. Most computers come with
free programs that can be used to make all sorts of cards, or you can buy greeting card software (a onetime purchase), or use clip-art or original photos and create your own images for the cards. You'll have fun, receive compliments on your creativity, and save $2.00 to $4.00 per card.

Thursday, February 11, 2010

How to Save Money Personally and How to Save Money Every time

Step 1
If you have access to a hose, wash your car yourself instead of going to a
car wash. If you don't have access to a hose, use a doit-yourself car wash instead of the full-service type.

Step 2
If you really can't stomach tap water, buy spring water by the gallon and
pour it into a smaller bottle. If you drink one 16 ounce container of bottled water a day, you could save 25 percent, or $25 a month or more.

Step 3
Don't buy books that you're going to read for pleasure. Use the library,
swap with friends, or go to used book sales or yard sales. People are always trying to get rid of perfectly good books. Limit purchases to books you want to keep for reference, like a good dictionary and thesaurus.

Step 4
Don't let down your guard when it comes to controlling your spending
just because you're flush with cash from your summer job. Continue to practice the same control you've practiced during the school year and save as much of your earnings as possible. Every dollar saved is a dollar less you have to borrow with interest.

How to Save Money Every time
Step 1
If you're a camera hound, get a digital camera and upload your favorite
photos to an online service like http://www.ofoto.com for printing. Not only will you save the cost of film at $4.00 or more per roll, you won't keep paying for photos that don't come out well.

Step 2
Buy school supplies like paper, pencils, and pens at an odd-lot store like
Big Lots. They buy leftover items at a steep discount and pass the savings on to you. Why pay full price for the same product?

Step 3
Crime has become big business on college campuses because today's students bring so many valuables to school with them: computers (many of them fully portable and easy to steal), DVD and CD players, electronic games, Palm Pilots, and other gadgets. Keep track of your stuff, keep your dorm room or apartment locked, and keep valuables out of sight.

Step 4
Do it now.

Wednesday, February 10, 2010

How to Save Money in Grocery and How to Save Money a Lot

Step 1
When you hang out with people who spend money freely, it's tempting to
do the same. Resist the urge to keep up with your friends' and roommates' spending. They may have more money than you do, or they may be getting
more deeply in debt.

Step 2
Cosigning a loan for anyone, even your best friend or someone you're
dating, is a bad idea. You'll be responsible for paying the loan if your friend fails to make a payment. Although you believe your friend would never leave you holding the bag, it happens every day to people who thought the same thing.

Step 3
Invoices from your college can rival a hospital bill for complexity and sheer length, and you should check them over just as carefully. You may find items that shouldn't be charged to you or that are for the wrong amount. Go to the bursar's office and ask for an explanation of any items you don't understand or that seem incorrect.

How to Save Money a Lot

Step 1
Don't blow your income tax refund. Use it to cover some of your mandatory
expenses (like textbooks), pay off your credit card balance, or start (or add to) your emergency fund. It's a shame to fritter it away instead of using it in a way that will give you the most bang for your buck.

Step 2
If you're having sex, or planning to, protect yourself. Condoms and other
birth control methods are cheap and convenient compared to the cost of raising a child or paying child support for the next eighteen years. Safe-sex organizations on campus or Planned Parenthood often offer
free condoms.

Step 3
Before you head off to college, have "the talk" with your parents-not the
birds and the bees talk, but the money talk. Discuss your expectations and their expectations related to who is paying for what. You don't want to spend a bunch of money on the assumption that your parents are going to be providing a certain amount, only to find that they're not, and you've blown your cash on something you could have done without.

Tuesday, February 9, 2010

How to save your money

People are always using money to consume rather than to conserve.  There is a constantly growing amount of spending excess money for the latest in clothes, vehicles, cell phones, computers, and eating out rather than at home.  To the average American money is something to "spend" on something you want rather than what you need, and when you do truly need that extra $1000 to pay for medical bills you don't have it because you went and bought a Massive DLP television or a new computer that replaced you "old computer" that you bought a year or two ago.

First off there are three basic things you can do with money 1. spend money 2. lend money 3. own money.  Lets say you pay a monthly rent on an apartment that you shall out $550.00/month.  This makes you a "spender and makes your landowner who receives the $555.00/month the "owner".  Now lets say you NEED (not want)  a new vehicle, but don't have the money and need a loan from the bank.  In this case you are still the "spender" because you will be charged interest on the amount that is lent to you by the bank who is the "lender" from loaning you the x amount of dollars, and is also the "owner" because of the profit the bank is making off the interest you have to pay them.

So you now know that you either spend, lend, or own money, but how do I save it?  Well a good strategy is putting 80% of you income into a fund (savings account, CD, time share, mutual fund, Roth IRA, 401 (k), or other) and do not touch it unless absolutely necessary!  Try to live off the 20% that is left.  Lets say your income after Uncle Sam has taken part of your pay totals to $2500.00/month and you put 80% of which amounts to $2000.00/month into your savings and you use the 20% which is $500.00 for your other expenses.  Develop the mindset of thinking that savings can't be touched and that all you have to spend is that $500.00/month.  Now lets figure what the reward of saving that 80% would be given 2 years time.  If you had $2000.00/month for 2 years in an account that has 3% interest (usually a high yielding savings account, mutual fund, CD) would total to approximately a $1500.00 amount of interest.  This doesn't sound like much, but lets say you look at it from a 15 year perspective and instead have this account in a Roth IRA with an average interest of about 3.2% throughout that 15 years the interest would equal $11,520.00.

In conclusion there are many ways you can save your money you can invest the money in the stock market or with an IRA and 401 (k) retirement plan which I talk a little bit more in detail in General Investing-Stocks and Retirement Plans.  The main thing to keep in mind is that to have financial freedom you must first learn how to save your money and to do that you must learn how money is used, and also keep in mind that besides what advice is giving to you part of the success is from failing or making a mistake it is learning from that mistake that makes you all the wiser.

Monday, February 8, 2010

Make Money Online using Facebook

Are you one of those who are striving to make some extra money online? How about trying out the "Facebook Technique"?
As we all know, facebook is one of the most known and most used social networking site today. Most people use it for its fun applications, and of course - social networks all across the globe. But facebook doesn't pay any single cent to its users when using facebook, isn't it? Well, here's the tip: How about using facebook as a way to earn money online? How? Read on:
Tip 1: Use Facebook by sharing your posts in your network stream.
If you are an online article writer and you have around 500 above facebook friends, share your online articles consistently on facebook... this will make your articles appear frequently on your friend's live stream thereby allowing them to read what you have published...the more facebook friends who will click on your link ..the more page views you earn.

Tip 2: Use Facebook by sending a mass message to friends.
Got something to sell, promote, and share? Then why not try composing an advertisement message promoting your product or links and send it to as many facebook friends as you can. The technique here is compose just a single message and send it to multiple friends using the Friend's List.
how do we use the friend's list? easy. Just click on your friends tab and to the right of your friend's name... there's a drop-down list menu.. just sort out your friend's into groups...

Tip 3: Use Facebook by creating a fan page or groups
Create a facebook group or fan page inside facebook. Build your links by posting it all over your group's wall then start inviting as many friends as you can. You can even Send Message To All Members to notify them of new links that you have posted.
Just a note: When adding or inviting facebook friends.. try not to add so fast at a certain time... or else facebook will prompt you and will give you a warning message.
Of course, there are a lot of ways to use facebook to make money online... all we have to do is innovate...

Sunday, February 7, 2010

Accounting- The Basic Need Of Every Business Enterprise

As business becomes more and more global and complexities continue to emerge, certain fields have gained prominence in today's career market. One of these is accounting. Accounting is a very conceptual career or task, more a question of information handling than any hands-on approach to product development. However, as trends change, accounting is becoming a little more diverse and less just a question of 'crunching numbers'.

These days, there are specific kinds of accountants who do separate jobs as part of a given company. There are accountants who monitor spending and resource use; these are called 'audit' accountants. Then there are other professionals who use accounting information to guide procedures and to facilitate decision-making and these are referred to as 'management' accountants.

One could say that while audit accountants are involved in book-keeping history, management accounting is a process of looking to the future to try to foresee events and plan for these in terms of a company's resources. 'Ledgers' and classic ideas of accounting belong more to audit accounting while management accounting deals directly with the machinery of a firm. Both positions require people skills and analytical skills; both types of accountants need to know how to use computers. Spreadsheet software like Microsoft Excel is popular in keeping accounting information available in a flexible format.

As to the issue of how the two are related, audit accounting is often considered more essential to small businesses. A small business may not need any more oversight than the owner or general manager can provide, but someone always had to keep the books. Also, in management, the old adage may apply that 'too many cooks spoil the broth'. Management accounting seems to be a more useful role in large companies that need many consultants to micro-manage a variety of projects.

In general, accounting is becoming a popular career choice. Some may shy away from it due to an aversion to how accountants have been described in the past. Some people 'don't like numbers' and consider accounting work to be unbearably dry or tedious. Others, however, have already completed their degree to become a CPA (Certified Public Accountant) and these may find themselves well placed in high-profile audit accounting positions. For others, management accounting provides a new look at a classic career.

Either way, the study of this valuable field can be a good way to get into a certain kind of company. Many companies are hiring temporary accountants, and the abundance of opportunities means that employers and university graduates may be able to find each other through the phenomenon of accounting, as the majority of businesses turn their efforts towards the study of resource allocation, asset management or more simply, crunching numbers.

Friday, February 5, 2010

How to Qualify for a Primary Mortgage

It seems that mortgage lenders, like auto insurance brokers, are in a class by themselves. But, like everything else, shop around for the best mortgage rate. Some mortgage lenders offers better deals than others. If you have poor credit and don‘t qualify for a primary mortgage, you can still qualify for a subprime mortgage. But due to terms like higher a interest rate and upfront charges, it would be wise to wait until you are in a better position in the way of credit history and income to see a mortgage lender about a primary mortgage. There will always be plenty more “that’s the one” homes and properties available. Here are ways to qualify for a primary mortgage.
  • Wait a minimum of two years if you have a bankruptcy and a if you had a foreclosure, wait a minimum of 3 years of the finalize date.
  • Most mortgage lenders will require a minimum of 1 year with no late payments on a credit report. A simple explanation of a minor late payment if this is the only thing on an excellent credit report. Keep in mind that loans or credit card accounts usually only appears on a credit report if a payment is 30 days or more late. Also to verify timely payments, mortgage lenders will sometimes check with landlords for applicant’s payment history for the last 2 years.
  • Make sure you are caught up on student loan payments if you have them. A government guaranteed student loan that is in default is a fast way of getting disqualified. If your student loan is in default, a repayment schedule can be renegotiated and after a year of showing timely payments again, the defaulted loan might not disqualify you.
  • Collections on any account status must be repaid before qualifying for a mortgage loan. Also any court ordered judgments must be paid in full or caught up like in child support payments.
  • If you are self employed or on a commission based income, with a few exceptions, you’ll need to provide two years of steady income, usually in the form of Federal Income Tax payments for the last two years.
  • Provide your mortgage lender with overtime or bonus pay. These can be used as "qualifying" income if you have a history of this kind of pay from your current employer for at least one or two years. Also two years of income from a second job or a history child support. Newly reward child support payments will not qualify.
  • Be sure that you are not being sued or going through a pending divorce when trying to qualify for a primary mortgage. A mortgage lender can not approve you until these situations are settled.

Monday, February 1, 2010

Bad ways to quit a job


With the economy being worse than ever before, quitting your job is definitely a very difficult decision. If however  you strongly believe that this is the best choice you can possibly make for yourself, then you should make sure that you have found the right way to do it.  A bad way to quit your job can harm your reputation irreversibly.
Bad ways to quit your job
1. Announcing it at the last minute
Announcing to your boss that you want to quit at the last minute portrays you in a very bad light, as it clearly indicates your lack of professionalism and consideration. Even if you had the worst relationship with your boss, that is still no excuse  for walking out  that way. Walk a mile in his shoes: If you were in his place, you would want some reasonable time to find a proper replacement.  Changes at the last minute result in quick, rushed solutions with questionable outcome. Giving a two weeks notice, (if not even more), will help your boss to get organized and make specific plans for the future.
2. Make a scene
If you decide to quit by letting out in the open your bottled up anger  in hopes of humiliating your boss, you are in for a rude awakening, as you will appear to be the bad one, while your boss will come out smelling like  a rose. Even if you are totally justified in being angry at your boss, if you choose to allow that anger overwhelm you and react too emotionally, you will destroy everything.  Whatever you say can and will be used against you, if your boss decides to punish you for lashing out at him that way.  If someone happens to be passing by right at this moment and overhears you, the situation will get even worse for you. Even if you regret  reacting this way later on, your ex boss will probably refuse to give you a recommendation letter, or if he does, you can rest assured it will be a bad recommendation letter.
3. Work for the competitor
While theoretically you are allowed to work wherever you want, the decision to announce that you are quitting because you want to work for the competitor is in bad taste and  therefore should not be one of your options, as you will probably be asked to reveal important information and secrets for the company you previously worked for. Even if you manage not to reveal anything, clouds of doubt will surround your name, forever questioning your credibility and professionalism. Needless to say that if you ever have a change of heart and want to go back to the company you previously worked for, you won't even be allowed to enter the building. If you strongly believe that working for the competitor is a great career move, the least you can do is wait for a reasonable time to pass after your quit your previous job before making that step and of course, not mention anything about it to your soon to be ex boss.
Bad ways to quit a job can have detrimental effects on your career, so it is important to think long and hard how to do it. It is better to be safe, than sorry
 
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