Sulit.com.ph Blog Wiritng Contest

This post is to support agentmango's entry on Sulit.com.ph's Blog Writing Contest which is entitled: "Sulitizen: Defined the Ninja Way" Sign Up at Sulit.com.ph Buy and Sell Philippines...

The Real Risks in Balance Transfer Credit Card Checks

There are popular apprehensions among credit card users whether balance transfer checks are beneficial. The credit card season is generally from November through February and credit card companies would be approaching you with balance transfer check offers. There are popular apprehensions among credit card users whether balance transfer checks are beneficial. The credit card season is generally from November through February and credit card companies would be approaching you with balance transfer check offers. You may receive...

How To Monitor Employee Web Browsing

As an intelligent manager or business owner, you need to know about how to monitor employee web browsing. It is important to know what your employees are doing at all times of the day and if they are being productive or wasting your company time. As an intelligent manager or business owner, you need to know about how to monitor employee web browsing. It is important to know what your employees are doing at all times of the day and if they are being productive or wasting your company time. Time, as they say is money, and if...

How to Make Money Finding Tenants for Landlords with Apartments for Rent

Every day an apartment goes vacant the landlord loses money. This is one reason why some property owners hire outside help to find tenants. With nothing but a cell phone and a reliable car you can earn huge finder fees by locating reliable applicants. Keep reading to find out how. The first thing you need to do is find clients. Drive through neighborhoods and make note of any “For Rent” signs you see. Call the numbers listed and offer your services. Make sure the person on the other end of the line understands it won't cost...

How to increase your income during a recession

Ways to increase your income during a recession During a recession, it is important to get your creative juices flowing to be able to come up with ways to increase your income. This is not an easy situation and thinking outside the box will definitely help you to make a step towards the right direction. How to increase your income during a recession Turn your hobby into a job Now may be the right time to earn some money by doing something you really love. Perhaps you have been waiting for such an opportunity for years, but...

To Save Or Not To Save Money? A Practical Guide To Personal Finance

To save or not to save money? We are always confronted with the same question of whether we can save money or not while trying to make both ends meet. Here are ways to save money. To save or not to save money? We are always confronted with the same question of whether we can save money or not while trying to make both ends meet. It is best that we have the skills on financial management to be able to save money, and not to be trapped into debt. Here are practical ways on personal finance : Reasonable Spending Habits. ...

Ways To Earn Cash Through Paid Product Testing

There are some legitimate ways to earn cash testing products at home While there are a variety of ways to earn cash through paid product testing, it is important for an individual seeking to make extra income to approach the industry with a skeptical eye to prevent involvement in scams. There are a good number of paid product testing opportunities that can be found on the internet that are legitimate ways to earn cash, and there are also thousands of scams that are nothing more than a waste of time and sometimes money for a...

Great Websites That Can Help When Looking For A Job

It's easier to find a job online than by going door to door. There are hundreds of great websites that can help when looking for a job, but the amount of assistance they can give to a person in their individual job search varies greatly with each website. In any case, these job listing websites offer a great way to help find a job while sitting at home, all with little more effort required than a few clicks of the mouse - a far departure from the "old days" of running all over town filling out dozens of job applications. The...

What are stock options?

Stock options are what investors get if they want the option to buy or sell shares, at an agreed price, at a certain date. But anyone can get in on the stock options market, as a buyer or seller of stock options. Stock options can be looked at from two ways, either the buyer, or the seller. In my case, what I was interested in was being the seller of stock options, in order to try to make a better investment of my money. An option is the right to buy or sell an item at a set price, whether or not the item goes up in value....

How to Increase Your Personal Wealth

Money makes the world go round and sometimes the more money you have the better your life will be. So how do you go about increasing your personal wealth and savings I hear you say.... Firstly you need to plan, you need to make a plan to decide where you want to be both in the short term, say the next 12 months and the long term, say the next 5 years. Consider, factor in and include in your plan how much money you want to have and why. Including this will keep you motivated, focused and on target to achieve your goals and aims. There...

Financial planning for the future

If you want to increase your personal wealth or perhaps save for something specific such as retirement, children or a holiday home then financial planning is a must. First you need to think about where you are now and where you would like to be in the future (both in the short and long term). Creating a financial plan will allow you to see where you are now and where you can realistically expect to be. When creating the basis for your plan you will be asking and covering lots of questions including: What type of investor am...

Understanding management styles

In the context of organizational reality and day-to-day routine tasks, apart from the theoretical parameters that define a managerial style, the cognitive aspects of each individual are those that finally define a manager as democratic, authoritarian or humanist. Management styles differ in the degree of dominance used in managerial decision making. There are managers, who are good listeners and facilitate the communication between management and employees being always ready to approve an alternative suggestion. On the other...

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...

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...

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...

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...

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...

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...

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,...

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...

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...

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...

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...

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....

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...

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...

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...

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...