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401(k) Plans
Excerpt from the book 'The Stockopoly Plan'. by the author Charles M. O'Melia I’ve been in and interested in the stock market so long (one year shy of forty years) I can remember when the Mutual Fund pages in my home town paper were just one page! (The DOW was under 700.) Now it looks like there . . .
Transform Your Office Into A Powerhouse Of Success
Did you know that the area that you call your 'office' is a direct reflection of you? If your environment is clean and uncluttered it projects that the person who works there is calm and has everything under control. Consequently if it looks like the local rubbish tip then the impression others g. . .
Online Mortgages in 5 Easy Steps!
We're all entitled to the opportunities and benefits of home ownership. But because most of us aren't loaded with cash, we must find banks and lenders to assist us with finance. No matter what your credit history is, or what your circumstances are, the internet has now made this process a billio. . .
Walt Disney Is Coming To Town
In 1923, twenty-one-year-old Walt Disney arrived in Los Angeles fresh from the disappointment of his first cartoon studio going bankrupt in Kansas City. He went to see his twenty-nine-year-old brother Roy in the Veteran's Hospital were he was recovering from tuberculosis. Roy, a former bank telle. . .
Stop Procrastination- Just do it!
What stops you from 'getting things done?'Have you ever started your day with good intentions of completing a task or project only to find that by the end of the day you've hardly worked on it? Or have you ever set a goal to attend a seminar, learn a new skill or just have more time out for you?I. . .
What's Keeping You at the Office (9 Tips to get home quicker)
"Work smarter, not harder" is a cliché that has darted in and out of the workplace for years. But it's still as true as ever. And it's often overlooked advice that truly works. "Working smarter" means think strategically about how to improve your productivity. For starters, think about how you sp. . .
Book Summary: Mind Your Own Business
This article is based on the following book:Mind Your Own BusinessA Maverick’s Guide to Business, Leadership and LifeDoubleday & Company, Inc., 2003ISBN 0-385-50959-6208 pagesA maverick is an independent person who will not go along with the other members of a group (Oxford ESL Dictionary). This . . .
When Year-End Sales Resemble Coal And Leave No Room For Gifts
December can be a trying time for small businesses. The year-end rush to close clients in order to meet target year-end sales goals can leave a person feeling stressed, overworked, and definitely, not in the holiday spirit. Last year around this time, you were probably forecasting sales figures. . .
Dividing The Loot
It is when the going gets better, that the going gets tough. This enigmatic sentence bears explanation: when a firm is in dire straits, in the throes of a crisis, or is a loss maker – conflicts between the shareholders (partners) are rare. When a company is in the start-up phase, conducting . . .
How to Start a Pet-Sitting Business
Everyday someone asks me, “How do you start a pet-sitting business?” I try to answer their question succinctly. But the truth is, starting a pet-sitting business, or any business is not always a succinct process. Following are 21 tips that I know can lead to pet-care business success in any econo. . .
Like It Or Not, You Have A Score To Settle (Part 2)
In part 1, we covered the basics about credit scoring – what it is and how it is calculated. It’s time to address the critical question ... What happens if you are denied credit or don’t get the terms you want?The Equal Credit Opportunity Act requires that the creditor give you a notice either wi. . .
Smart Choices: How to Hire the Best
Your organization’s continued growth and success depend on making smart choices and hiring the best. Today’s economy is exploding with talent, allowing you to be selective about the staff you hire. Yet, the crucial step to filling a position is finding the right talent for your organization - s. . .
What Does It Take To "Have It All" In Life?
Many people have asked me why I wrote my book, 'The Street Kid's Guide to Having it All', and I realized that some people simply do not believe that it is possible to 'have it all'. Well, I am here as an ambassador to dispel that rumor once and for all.If you are serious about learning what it ta. . .
THE “SEVEN Cs”: PARTNERSHIP DANGER SIGNS - Conflict Becoming the Norm – Part 2
A series of articles exploring the seven critical areas that can indicate a partnership is in trouble.Conflict Becoming the Norm – Part 2In a previous article, I wrote about how unresolved conflict can create havoc in your business and can often end in a failed partnership. Today, I share with yo. . .
5 Interviewing Mistakes That Can Lead To Hiring The Wrong Person
Mistake #1: Going with the flowInexperienced interviewers sometimes fall into the trap of letting the interview become "free form", spending different amounts of time on different questions, basing follow-up questions on on how the candidates answer. This can result in a candidate taking control . . .
Famous Business Strategies
Either simply a looker-on or a player in the world of business, you see millions piling into the accounts of world's most famous businessmen and naturally the question pops "How?", wondering what is the alchemy they've discovered? Yet, there is no magic here - it's mostly pure strategy. And what . . .
Successful Dot-Com Offers Strategies for Success
(ARA) - Lost amidst billions of dollars in squandered venture capital funding and endless reports from network anchors about the macabre state of e-commerce lies a seemingly overlooked fact: Not all of today's dot-coms use red ink in the accounting ledger. As the e-commerce tree hourly shakes off. . .
Get Your Credit Score To Soar In The Twinkling of An Eye.
Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home mortg. . .
7 Golden Rules to Financial Prosperity
Not Enough Money? I believe that most people haven't got enough money for everything they wish to have - the more you have the bigger your plans, and you have a feeling that you have less and less money. Whether you have lots of money or just so-so, you need to economize and take proper care of y. . .
Find a Methodology and Minimize Investment Madness
There are many reasons to be investing these days, and too much opportunity to not have your money working for you. However, I believe the majority of people dread having to deal with investment matters, and tend to jump into purchases and then hold their breath hoping for the best. After a long . . .
Budgeting For Prosperity
Budgeting For ProsperitySeven Steps to Follow To Achieve Financial FreedomWithout a sound financial plan, a business is doomed to failure - managing your personal finances is no different. A sound personal financial plan is crucial to both your financial and emotional well being.We have prepared . . .
Greeting Card Tango: How To Impress, Not Stress, During The Holidays
When it comes to holiday greeting cards, to send or not to send is often the question. Once you have decided in the affirmative, you then have to determine who to include on your list, what kind of card to choose and how to address the envelope.There are lots of reasons for sending those holiday . . .
How To Escape The Corporate Trap And Go It Alone
IntroductionDo you work in a corporate environment with all of the so-called benefits that brings, yet don’t feel listened to, your work is unappreciated and undervalued, perhaps you may have been overlooked for promotion for no good reason?Which probably means that you are bored stiff, yearning . . .
Make Mine to Grow: Building Your Solo Business to Outgrow You!
Many solo entrepreneurs choose to curtail their businesses growth for the purpose of lifestyle. Others have visions of expansion right from the start. Being the only person in a business, wearing all of the hats, is just a stepping stone to increased prosperity. What steps can you take if you pla. . .
9 Ways To Outsmart An Identity Thief
Identity theft statistics are shocking, to say the least. And it's not going to get better any time soon. But there is no need for you to become a statistic. Here is what you can do to avoid identity theft.1. If your mail box doesn't have a lock yet, put one on.If you had any official letters mis. . .
10 Wisdom-Based Wealth-Building Strategies
“It’s the business of your life…and you’re the CEO!” Gala GormanImagine that you’re Noah and God is telling you that you need to build the ark. You might suspect that Noah was a bit skeptical. Could it actually rain for such an extended period of time that a small ship would be required to sur. . .
Is Accumulating a $1,000,000 Net Worth Easy? Yes and NO
Is accumulating wealth as easy as following a 3-step plan? Yes it is and no it isn't. As with many things in life, accomplishing a goal such as accumulating one million dollars (or even $100,000) depends on your desire, your personal choices and your daily actions. Let's start with one example on. . .
Look Like Sizzle, Be The Steak
You've heard marketing and advertising gurus quip, "Sell the sizzle, not the steak." Advertising initiatives best reach their target audience with benefits and the "wow" effect, not the value or features of their product or service. This may work well to get customers in the door. But once they'r. . .
Managers and PR: One Thing Is Clear
As a business, non-profit or association manager, you have a clear choice when you set up your public relations. Arrange your resources to generate a variety of product and service plugs on radio, and in newspapers and in magazines. Or, use a broader, more comprehensive and workable public r. . .
How To Become A Data-Feed Super Affiliate
I am not going to describe what a product feed (or a data-feed) is. There is a lot of information out there about how to use one to build sites. Instead, I want to talk about how you can actually make more sales with data-feed sites.The program that I manage offers a product feed, and I get a cha. . .
Breaking the Ice and Winning Over the Client
Wherever you turn these days you’ll find articles covering every business strategy and tactic available to man from how to make a great presentation to strategies for success all the way to negotiations and prospecting and getting a client to commit. But hardly anyone touches on the subject of b. . .
Debt Consolidation
There are many reasons why people get into debt - some of them self inflicted and some of them way outside of our control. Losing a job, illness or accidents, all of these can suddenly plunge one into unexpected expenditure, and often the only way to deal with the emergency is to use debt. There . . .
Credit Card Shocker
Have you ever looked at your credit card statement? I’m not talking about just making sure that all the transactions are correct. I’m talking about looking at the finance charges. I daresay that sometimes that figure is almost as great as the minimum monthly payment you’re making. After all, a. . .
The Top 10 Strategies for the Positioning of Success
Many businesses of today are often driven to compete striclty on price, quality, and features of their products and services. Companies who prosper over the long term don't simply offer the best deals, the best quality, or the most impressive bells and whistles. If you want to win big in today’. . .
Our Perception Determines Our Experience
Not long ago, I traveled back east to Ohio and Chicago. While I was there, I was amazed that the friends I made along my journey seemed to have completely different observations of the state in which they lived. For example, when I asked what the winters were like in their town, I got completely . . .
Mortgage Free In 15 Years!
Imagine paying your mortgage off in 15 years! Think of all the great things you could do with that extra money. What would you do? Retire early? Buy an R.V.? Travel around the world? If you could eliminate your mortgage in half the time, then your options would be wide open. Let’s take a l. . .
A gadfly on a dinosaur's butt , or the hood-winking of the American investor.
A gadfly on a dinosaurs butt, or the hood-winking of the American stock investor.Have you ever noticed how some words in the English language are so perfectly named for what they describe? And how some words seem to be, I guess you could say, backwards? For instance, the word sunflower! How wond. . .
Stop Debt Collectors
Can you stop debt collectors ? . . .You better know you canYou can stop debt collectors under the law provided by the Fair Debt Collection Practices Act. If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor."If you fall behind in repaying your. . .
How to Dispute Credit Report Errors
Your credit report--a type of consumer report--contains information about where you work and live and how you pay your bills. It also may show whether you've been sued or arrested or have filed for bankruptcy. Companies called consumer reporting agencies (CRAs) or credit bureaus compile and sell . . .
Prepare to Sell!
Sales is a critical part of any business, including non-profits. Sales is not complicated or difficult, but requires preparation, consistent action and a plan. Before completing any preparatory work in sales, consider asking yourself some tough questions. Why are you in this business? Do you . . .
Secrets & Benefits of Secured Loans
Borrowing money has become more and more popular in the UK over recent years, and this is partly due to the fact that it has become far easier to borrow money. The rising popularity of consumer finance has also been aided by the wide variety of deals and the low interest rates available these day. . .
Get Organised Before It's Too Late
Last year I attended a presentation from Parenting Expert and well-known author, Stephen Biddulph on "Raising Boys". As I have an 11 year old son, I was interested to hear what Stephen had to say. In fact, so were the other 800 other parents in the room!The key point that I picked up on was that . . .
Making Money With Information Products
Profit Puppy Ecourse No.8Making money with information products-Guys, this is one of the most powerful business strategies on the internet!-So have you ever thought about becoming an infopreneur?Info marketing is a multi-million dollar industry which is still open to just about anyone with a good. . .
How Salespeople Can Create Instant Believability And Credibility With Their Customers
It pays to be specific. I believe that statement is true. If it is true, why do so many salespeople pepper their sales presentations with phrases of generalities? There are two primary reasons. One is habit and the other is instinct. So many people in and out of sales speak in generalities. It's . . .
Buy and Hold: How to Perpetuate Your Investment Losses
A recent cartoon in my daily newspaper showed two guys sitting in a bar. One is saying to the other: “I did learn something from my broker...how to diversify my investment losses.”While this struck me as funny, there is certainly an element of truth to it judging by the number of tragic e-mails a. . .
The 10-Step Resume Critique
Your resume will generally receive a 15- to 30-second scan upon first review by an employer. With that in mind, it is critical that your resume -- your "paper handshake" -- makes a positive first impression and compels the reader to put your resume in the "yes" pile and possibly call you in for a. . .
The Morality of Child Labor
From the comfort of their plush offices and five to six figure salaries, self-appointed NGO's often denounce child labor as their employees rush from one five star hotel to another, $3000 subnotebooks and PDA's in hand. The hairsplitting distinction made by the ILO between "child work" and "child. . .
Credit and The Internet
The internet stands as the largest open marketplace in the world today, almost every possible product or service is being sold on the internet. With such an availability of potential monetary transactions, the preferred method of payment is the credit card. This method allows instant transfer of. . .
Controlling Costs Key to Running a Business
(ARA) - With more and more small businesses and dot.coms going bankrupt these days, businesses are developing new strategies to stay in the game and obtain a profit at the same time. More than ever, not enough emphasis is being placed on controlling costs. "Increasing sales is overrated. The old . . .
Financial Tips for Trying Times
IHateFinancialPlanning.com offers advice on managing your money (ARA) - When life gets unpredictable, there's one thing Americans always want to hang onto: their money. During times of national uncertainty, it's only natural to want to hunker down and hang on to your cash -- or at a minimum, sque. . .
Ten Ways to Save a Bundle on Your Next Lease
According to the Equipment Leasing Association (“ELA”), U.S. businesses lease every thing from laptop computers to commercial airplanes, racking up more than $ 200 billion in equipment leased each year. Although four out of five U.S. companies use leasing to acquire equipment, many don’t know the. . .
Fantasy versus Reality
Building wealth isn't something for the frightened, ignorant, and lost. You have to be emotionally strong, prepared, and standing in the right spot. So many of us fantasize about making more money and call it prayer. We then wonder why the universe isn't delivering our fortunes to us. I can't. . .
Google IPO and its effect on the Venture Capital Industry
“Will the Google IPO have any impact on the Venture Capital market?” FundingPost (http://www.FundingPost.com) surveyed 32 Venture Capitalists and Angel Investors for their opinions. FundingPost is happy to share these responses from leading venture investors as it should help guide CEOs of emer. . .
Why Conventional Wisdom Is Almost Always Wrong!
Dear Friend and Subscriber: I'd like to extend you a warm welcome to the first issue of my Quantum Leap Advantage®4® Internet Newsletter. From time to time this newsletter, in addition to exposing you to well-tested and proven precepts to make your business grow, will test your various traits and. . .
How To Turn Business Losses Into Cash Flow
When the typical new business operator starts a business, they concentrate on making the business succeed. That is necessary but not the only thing that a business operator should concentrate on. A business depends on cash flow to exist and grow, so business operators would do their business a . . .
Investing in the Stock Market
From the book 'The Stockopoly Plan' by the author Charles M. O'Melia There are several factors an investor in the stock market should consider: 1. All stock purchases should be commission-free. 2. All stocks purchased should be from a company that has a history of raising their dividends every. . .
Financial Success secret
Financial Success-The Secrets Of Financial SuccessAfter speaking with a gentleman this morning, hearing his excuses or so called reasons for his lack of financial success, I realized that the majority of our population is broke only because they lack the one key ingredient or secret. Financial su. . .
Common Sources of Financing for Small Business
The choice of financing is an important determinant of whether a product reaches the market, or whether an existing business can survive. The choice of financing is an important part of being an entrepreneur and business owner, and the ability to raise cash when you have no or limited history tak. . .
Why Small Businesses Fail (or Fail to Thrive)
Tammy, a skilled and gifted horticulturist, called me to discuss what she needed to know to start her own florist and landscaping business. She had been in the horticulture industry for 10 years and was incredibly skilled at working with flowers and plants – one of the best. She also had great . . .
Bankers in Denial
Denial is a ubiquitous psychological defense mechanism. It involves the repression of bad news, unpleasant information, and anxiety-inducing experiences. Judging by the German press, the country is in a state of denial regarding the waning health of its economy and the dwindling fortunes of its f. . .
Getting Your Employees' Attention Back to Work
It is 9:00 am on a Monday morning. Do you know where your employees’ attention is? Is it on work?Picture this. You are at work. The phone rings. It is your aging father’s neighbor calling to say that Dad is walking around outside in his pajamas and seems confused. You have a full day of meetings . . .
Sell Your Love
It's well documented that if we love our work, then we usually become experts at it and eventually the money shows up. Makes sense, but this is a slight shift on that concept. I want you to literally look at the concept of selling love for money. This has nothing to do with prostitution. Pros. . .
Nine Questions To Ask Yourself Before You Head To The Office Party
One thing you can count on during the holiday season is the obligatory office party. No matter what the size of the organization, there is always an effort to bring coworkers together for one more moment of merriment. Some people look forward to the chance to mix and mingle outside the confines . . .
Do You Want To Be A Pilot In The United States?
I receive many emails requesting information about becoming an airline pilot in the United States. This article addresses many of the general questions I receive about the types of pilot careers, salaries, FAA requirements, training, advancement opportunities and the employment outlook for pilots. . .
Bringing the World to Your Door
“The key to your success on the web is the ability to get surfers to stop at your site, look around and ultimately to buy something.” – Heidi RichardsAccording to Internet.com, by the year 2008 nearly 30% of offline purchases will be influenced by online research. If your site is a well-implement. . .
Marketing the Government for Profit
Steps and tips on marketing your business to the government.Fact: Federal, state and local governments buy over $450 billion combined in goods and services each year.Part of that can be yours if you know how to get it.Fact: Federal procurements under $25,000 never go through the bid/RFP process. . . .
Managing Your Business’ Cash Flow
You wouldn’t drive a car without a gas gauge or speedometer, and if you’re driving on an empty tank, you won’t get very far. Then why would you make financial decisions without the proper tools? Businesses must master controlling the flow of cash. Cash flow planning helps eliminate uncertainty, . . .
Keeping Your Own Money – NOT Handing It Over To The Taxman.
Most people trying to make a crust online (or offline for that matter) are so focused on doing just that, they ignore taking simple steps to ensure that they hang on to just as much of it as they can. Instead, they hand over large lumps of their hard-earned money in tax, usually in one of two mis. . .
Join in on the Success of the 2nd Wave of Affiliate Marketing
What do I mean by '2nd Wave'? ... let me explain: Can you remember the good old days when affiliate programs first came into existence in the mid to late 1990's? Everybody jumped in with two feet and put up dozens of affiliate links on their site with no real thought to what they were doing. We t. . .
Financial Wizards Prepare! 4 Lil' Tiny Duckies!...
A) If you are going to transform yourself into a financial wizard, with money, security, and assets, then you need to begin this transformation by clearing out the cobwebs, and making way for a new tomorrow.B) We are all perfectly capable of becoming “Financial Wizards.” None of us are without th. . .
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