Putting YOU First This Holiday Season
There’s something about Christmas shopping during the holidays when I watch as helpless consumers are nearly attacked by exuberant cashiers pushing their store’s credit card. They seem to be unaware of how careful these poor souls have been all year to watch what they spend, how easy it is to go over budget, and how offering a ?credit rebuilder? a new card is like offering a recovering chocoholic a gooey double-fudge brownie supreme.
The holidays bring about mixed feelings among my clients: joy, anxiety, fear, sadness?.not any of it relating to the reason for the season. Rebuilding your credit card after bankruptcy is a difficult tightrope balance between moving forward with your life and not ruining the upward progress of your credit score.
Nine Ways To Stretch Your Income
These days, many of us are finding ourselves having to stretch the ends until they meet.
Here are some tips for stretching every dollar.
1. Save a penny, keep a penny.
Dump your pocket change into a jar each night. Invest it in a high-interest bearing account at the end of each month. Woman’s Day magazine recently suggested this money-saver, adding that if a couple puts just one dollar each into the jar every day, the sum will top $700 at the end of the year. Invested at 10 percent interest over 10 years, that pocket change will grow into $12,000.
How To Calculate A Private Annuity
A private annuity is an increasingly popular exit strategy option. Investors often wonder how to calculate a private annuity to understand its appropriateness to their situation.
Basically, a private annuity is the sale of an appreciated asset in exchange for a promise to pay income for the rest of your life. A private annuity can be arranged using almost any type of asset (e.g., a home, real estate, stocks, or a business interest). However, the best type of property to use is probably income-producing, highly appreciated, or rapidly appreciating property. These types of assets let you take the most advantage of the tax-saving benefits of the private annuity.
Can The Training Department Become A Profit Centre?
Can The Training Department Become A Profit Centre?
By: Johnny Frankland
The failure of training departments to deliver a measurable return on training investments is handicapping growth and development in most organisations.
A return on investment can only be shown if any initiative can contribute to the improvement of one of the three key business benefits:
1. Increasing Revenue
2. Protecting Revenue
3. Increasing Efficiency
Most training departments fail to plan appropriately from a business benefits perspective and then also fail to support the changes necessary to implement new learnings successfully within the working environment.
The Right Way To Set Financial Goals
Every financial advisor will tell you that to succeed, you must set goals.
But that just doesn’t tell you enough. You see, there is an art to setting goals that actually work.
It isn’t enough to just say, I will get out of debt. While that is a good idea, it isn’t a goal until you do a little work on it.