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The Typology of Financial Scandals
Tulipmania - this is the name coined for the first pyramid investment scheme in history. In 1634, tulip bulbs were traded in a special exchange in Amsterdam. People used these bulbs as means of exchange and value store. They traded them and speculated in them. The rare black tulip bulbs were as . . .
"Bankers' Banks"- The Role of Central Banks in Banking Crises
Central banks are relatively new inventions. An American President (Andrew Jackson) even cancelled its country's central bank in the nineteenth century because he did not think that it was very important. But things have changed since. Central banks today are the most important feature of the fin. . .
The Road To Opportunity In Wholesale Distribution
Dynamic forces of change are converging upon the wholesale distribution industry. The business environment is changing and distributors must change, too. This sobering conclusion comes from new Facing the Forces of Change: The Road to Opportunity report (available from the National Association o. . .
What could Macedonia Learn from a Tiger? The Asian Tigers and the Phenomenon of Uninterrupted Eco...
The first reaction of economies in transition is a sharp decline in their production, mainly in industrial production. In the countries which attained independence with the demise of the British Empire (where the sun never set) - industrial production fell by 20% on average. Even this was because. . .
Should the Government Compensate the Clients of TAT?
This, of course, is a political decision. There is no "right" thing to do. Even the IMF imperatives are not sacred. Sometimes, inflationary goals should be sacrifice to avoid the total collapse of the banking system and, with it, the economy as a whole. Unfortunately, a lot of experience has bee. . .
10 Ways To Work Through A Business Slowdown
In running any kind of business, it's inevitable that sometimes business will slow down. This might occur due to an upcoming holiday, seasonal variations, or uncontrollable circumstances. As a small-business owner, you have a choice in terms of how you view the slowdown - it can either be a time . . .
Do You Really Need PR?
The right kind of PR, that is, the kind that puts you in charge of the care and feeding of a lot of people who play a major role in just how successful a manager you’re going to be? As that manager, it also helps if you accept the fact that you need the kind of external stakeholder behavior c. . .
10 Tips To Overcome Your Fear Of Selling
Ahh. Selling. Sometimes, this is a word that is dreaded and feared by all but the most intrepid business owners. It seems that, even though we all know we need to "sell" our products and services, many of us feel fearful or anxious about actually doing so.These 10 tips are designed to help you sh. . .
Eight Success Tips for Your First Trade Show Booth
Exhibiting in a trade show can involve a major investment of money and time. But the financial returns for your business can be excellent if you learn some of the secrets of trade show booth success before signing up for a show and investing in your displays.If you're considering setting up at a. . .
Cheap Health Insurance rates and personal health insurance.
If you've been out of school for a couple of years or perhaps just graduated from college, you're probably a candidate for cheap health insurance. Once a person reaches a certain age they're no longer covered by their parents health insurance plan. If you're just starting out it's important to fi. . .
Minimize your Risk for Identity Theft
Identity theft is the fastest growing crime in America. According to the Federal Trade Commission, the number of identity theft incidents reached 9.9 million in 2003. These crimes are estimated to have taken the average victim $500 and 30 hours to resolve.From stolen credit cards to total identit. . .
3 Simple Keys Will Make Your Customers Stick
Do you spend a lot of time and energy courting prospective new customers, hoping to pump up your bottom line? If so, you're probably missing an untapped source of sales that exists right inside your company -- there's truth in the statement that your customer list is your most valuable asset. The. . .
How I Became a Hard Money Lender
Unlike other investors, my venture into real estate was a natural extension of my secondary business as the IP Ware software developer. However, opportunity and perseverance beget wealth, or at least a decent side income. Aside from my ventures into lease optioning residential property, I and my . . .
The Demise of the Dinosaur PTTs
Telecommunications is the most important physical infrastructure in the modern world. It is more important than roads because it can replace them. It is more important than office buildings because it allows for the formation of virtual offices. It is more crucial than legal and institutional sys. . .
Investors: Avoid These 5 Common Tax Mistakes
For many investors, and even some tax professionals, sorting through the complex IRS rules on investment taxes can be a nightmare. Pitfalls abound, and the penalties for even simple mistakes can be severe. As April 15 rolls around, keep the following five common tax mistakes in mind – and help . . .
Nourishing Your Network
It takes less effort to keep an existing customer than to gain a new customer. This is Business 101. Corporations focus on acquisition, but they must also focus on customer service and retention in order to be successful. So why don’t people apply this philosophy to their personal network? For so. . .
Liquidity or Liquidation
Large parts of the world today suffer from a severe liquidity crisis. The famed globalization of the capital markets seems to confine itself, ever more, to the richer parts, the more liquid exchanges, the more affluent geopolitical neighbourhoods. The fad of "emerging economies" has all but died . . .
Cash Advance Payday Loans
The ads are on the radio, television, the Internet, even in the mail. They refer to payday loans - which come at a very high price. Check cashers, finance companies and others are making small, short-term, high-rate loans that go by a variety of names: payday loans, cash advance loans, check adva. . .
The Game Plan – the Difference Between Small Business Success and Failure
It is an American dream to own a business. But sadly, according to the U.S. Department of Commerce, only 1 in 5 businesses is still in business 5 years after it opens.A business needs a great business plan, but it doesn’t give management enough information to have a successful, profitable busine. . .
The Interviewable Resume
It is rumored that the only word William Shakespeare wrote on his resume was “Available.” We’ll probably never know if that is true. But it raises an interesting question. How much information is too much and how much is too little when dealing with resume copy? The resume is a vital piece to any. . .
How Do Other Countries Devalue Their Currencies?
Countries devalue their currencies only when they have no other way to correct past economic mistakes - whether their own or mistakes committed by their predecessors. The ills of a devaluation are still at least equal to its advantages. True, it does encourage exports and discourage imports to . . .
How Real PR Works
For some, public relations works well when their news release or special event winds up in the newspaper or on the radio. For others, public relations works best when it does something positive about the behaviors of outside audiences that affect their operations the most. I like this approach be. . .
How To Choose The Right Resume Format
After a thirty (30) second glance lots of resumes get thrown into the wastebasket. One of the reasons this happens is because the resume writer has failed to use the appropriate resume format.Each individual has different work experiences and objectives. You may have gaps in your work history. Yo. . .
Can You Really Improve Your Organisation Skills
I'm sure most of you have heard of Zig Ziglar International Sales Guru. Well in one of Zig's weekly newsletters, there were a number of comments about the habits of well-organised people which I couldn't resist sharing with you.What are the habits of well-organised people?Can a person be 'taught'. . .
How To Make Sure Your Customers Still Trust You
The stock market is still on a wild roller coaster ride. Trust in business is at an all time low. Do your customers still trust you? Here are seven ways to help you make sure. 1. Go the extra mile. Under promise and over deliver - a time worn concept that still works every time. Be there for your. . .
"Do You Mind If Someone Screams At You?
A headhunter was on the other end of the phone. He was looking for an assistant to a CEO/Owner for a small, but very successful business. Essentially, he wanted someone at his disposal night and day. That didn't seem like a huge deal. And then the next question came..."Do you mind if someone scre. . .
The 'Eighth Wonder of the World?'
I'm sure you've heard this term used at least once or twice… And if you're like many people, you've maybe never thought about its true significance. One person even went as far as to say that 'those who understood it, were certain to collect it, while those that didn't would be doomed to pa. . .
Free Competition Analysis for E-Commerce Startup
For anyone who has completed research regarding e-commerce, there are some common catch phrases that we all come across. ‘Competition Analysis’ is one of those catch phrases. Competition Analysis is part of the business plan. And it is an important part. However, completing some of the tasks that. . .
Firing Underperforming Employees in Your Small Business
Here are a few tips on how to hand out pink slips when it comes time to terminate an employee.As a small business owner with employees, you will likely find it necessary one day to terminate an underperforming employee – if you haven’t already. In an ideal world, that wouldn’t be so. We would h. . .
Cross-Cultural Communication:Grin and Jump In!
Multiculturalism is a reality in North America and for those of us who do business globally. The US has more legal immigrants yearly than all the other countries in the world combined. Also there are vast cultural differences among "native" North Americans living in the US and Canada for several . . .
Strategic Checklists
I've been through a couple of checklists in the past few days, and it's reaffirmed my faith in their effectiveness as a communication tool.Now, there are at least a couple of ways we can look at checklists in a communication context. First, in the strategic sense, and second in the tactical sense. . .
Competition Laws
A. THE PHILOSOPHY OF COMPETITION The aims of competition (anti-trust) laws are to ensure that consumers pay the lowest possible price (=the most efficient price) coupled with the highest quality of the goods and services which they consume. This, according to current economic theories, can be ac. . .
Overcoming Resistance
Virtually any type of organizational change involves role transitions of some type. In light of role transitions, it is almost natural for employees to resist major changes in the workplace environment. Some contend that resistance to change is “natural”; they contend that this resistance is i. . .
Avoiding Credit Card Traps
The next time you open your credit card statement, take a closer look at the small insert titled “changes to your credit card agreement”. You know the one I’m speaking about. It’s that small, folded paper written in legalese that you promise to read some other time (but of course that time neve. . .
The Sickly State of Public Hospitals
There are many types of hospitals but the most well known are the Public Hospitals. What sets them apart is that they provide services to the indigent (people without means) and to minorities. Historically, public hospitals started as correction and welfare centres. They were poorhouses run by th. . .
Making Your Workers Your Partners
There is an inherent conflict between owners and managers of companies. The former want, for instance, to minimize costs - the latter to draw huge salaries as long as they are in power (who knows what will transpire tomorrow). For companies traded in the stock exchanges, the former wish to maximi. . .
Going Bankrupt in the World
It all starts by defaulting on an obligation: Money owed to creditors or to suppliers is not paid on time, interest payments due on bank loans or on corporate bonds issued to the public are withheld. It may be a temporary problem - or a permanent one. As time goes by, the creditors gear up and l. . .
Halliburton Under Fire
The shareholders of Halliburton are trying to stop state-sponsored terrorism, using the same economic leverage that was effective against South African racism in the 1970's. Back then, shareholders used corporate resolutions to stop companies from doing business in South Africa. The tactic helped. . .
A New Job Opportunity
HR Lady stared at me across the desk. She was trying to size me up, to understand what makes me tick. I had explained that I wanted to work for MegaCorp, and that I was the perfect person to fill a position that had not even been advertised."Tell me again why you want to be the official MegaCor. . .
To Grow Out Of Unemployment
There is a connection between economic growth and unemployment. There is a connection between growth and inflation. Therefore, commonsense (and financial theory) goes, there must be a connection between inflation and unemployment. A special measure of this connection is the Non Accelerating Infla. . .
The Blessings of the Black Economy
Some call it the "unofficial" or "informal" economy, others call it the "grey economy" but the old name fits it best: the "black economy". In the USA "black" means "profitable, healthy" and this is what the black economy is. Macedonia should count its blessings for having had a black economy so s. . .
The Value of Stocks of a Company
The debate rages all over Eastern and Central Europe, in countries in transition as well as in Western Europe. It raged in Britain during the 80s: Is privatization really the robbery in disguise of state assets by a select few, cronies of the political regime? Margaret Thatcher was accuse of it -. . .
Lies, Damn Lies and Mutual Fund Returns
How many times has this happened to you? You're at a social function and the conversation turns to investing. Pretty soon, people are comparing how well their investments are doing. As you might imagine, being an investment advisor this happens to me a lot. However, I recently had an experience w. . .
Health Insurance, medical insurance and individual health insurance plans.
Health insurance is something that everyone needs today. The rising cost of visiting a health care provider or a hospital stay makes it imperative that everyone have some type of health care coverage. Government statistics estimate that over 40 million people in America are not covered by any typ. . .
Write and Speak for the Ear
You and I may not aspire to write great books or make great speeches. But almost all of us want something to happen when we write or speak. And, the more we direct our words to the ears of readers and listeners, the greater our chances of getting the results we want.By writing or speaking for the. . .
The Network Within
When you hear the word “networking”, what comes to your mind first?You probably think about going to a job fair or asking all of your friends, family members and acquaintances for jobs.But if you are currently employed, you might very well have easy access to one of the best networks you can have. . .
The Demise of Buy & Hold
Based on consistent results I think Buy & Hold should be renamed Buy, Hold & Bye-Bye. It sounded great for a while, especially for the huge majority of investors who don't have the time or interest in really doing due diligence on investments. Investing, for some, might be just a hobby, but it ca. . .
Open Doors by Catering to Your Clients
Clients… they are the most important influence in the success of any business. It is vital to keep them satisfied and happy.Clients should be catered to. Their every need should be met and more. We need to make them feel like they are our number one client, as they all are. Catering to our client. . .
Building A Sales Force That Pays For Itself
The elements involved in building a sales force, especially one that pays for itself and also adds value to any business, are many and varied. The whole purpose and direction of a sales manager needs to be directed to creating a sales force that causes the employing company to expand through incr. . .
Build Confidence & Credibility: First-person Pronouns Get Your Messages Heard
Irritating speech habits destroy our professional credibility. Examples of irritating speech habits are sentences that end with dangling prepositions (Where did you hang your coat at?) and conversations peppered with “ums,” “uhs,” “like,” and other space-filler noises. We’ll be focusing here on a. . .
Thank-You Notes: An Integral Part of Your Career Design
There is one little practice that is vital to generating the interest of potential employers. It is critical, but very few job seekers actually do it. What is it? The THANK YOU NOTE! Interview experts agree that EVERY job hunter MUST send thank-you notes after EVERY interview. They also point out. . .
Negotiating and Sales Skills Are Critical
When I first started getting active in creative real estate, my skill set at negotiating was very weak. I had done the telemarketing thing for American Express as a financial planner and had studied and learned a few techniques. On the surface one might think that would be a perfect tie-in to tal. . .
How Do You Put a Value on Your Time?
As a small business owner, does the following paragraph sound familiar to you…?“Other than doing the technical ‘fix-its’ with my computer…I do it all! I have found that this keeps me very limited in growing my business and taking on new clients. I wish I had someone to help but how can I justify . . .
How To Build a Profitable Business
It’s never too soon to start saying thanks to your clients, vendors and referral sources for what they contribute to your business. Everyone loves to be appreciated and acknowledged, so start now and do something every month.Keep in contact with your clients and vendors by sending articles you ha. . .
Book Review of "Articles That Sell"
"Articles that Sell" by Bonnie Jo DavisPublished by: Davis Virtual AssistanceGenre: Business/MarketingDescription: IngeniousHow can you effectively and inexpensively promote your business on the Internet? But, all you have is a one page website and your site can't possibly attract a lot of traf. . .
But isn't Outlook Good Enough?
I was recently speaking with a mutual friend who has been in sales for several years about the benefits of CRM. (For the sake of this newsletter, we'll call him Jim) Jim was quick to comment on how he didn't like any of the current CRM software packages, and had used several of them for his vario. . .
Personal Financial Planning : How To Find The Right Estate Planner For You
Five must-ask questions(NC)-Beware of estate planners charging little or nothing to draft your estate plan. They are likely earning a commission on the investment products they recommend - which could compromise the objectivity of their advice. And note that competent estate planners should offer. . .
Solve Your Health Care Headaches With A PEO!
There are many complications to being a small business owner but none so pressing as the need for health, dental and life insurance. Many small business owners obtain coverage through the employment of their spouse. However, there are just as many small business owners who are not married, whos. . .
Easiest 20% Return You Can Make
(NC)-Many parents with hopes and dreams of a post-secondary education for their children also wonder where all the money will come from to pay for this education. According to Statistics Canada, the average tuition fee for a full-time undergraduate arts student in Canada was $3,526 for the 2001/2. . .
Family Finance Beyond RRSPs
(NC)-Congratulations, you have contributed the maximum amount to your RRSP. So now what?"At this point," says Anita Prescott, a certified financial planner (CFP) and Winnipeg-based financial adviser with CIBC Imperial Service, "it's best if couples can work with a dedicated financial adviser to r. . .
RRSP Investing Mistakes To Avoid
(NC)-So, you're ready to step up contributions to your Registered Retirement Savings Plan (RRSP). You are eager for the tax and compounding growth benefits. You think you are on your way to a blissful, carefree retirement, right? Maybe. But if you don't take the time to learn about this type of i. . .
Is This A Good Time To Sell Your Body Shop Business?
Have you ever asked yourself the question? “Is this a good time to sell my business?” That is a question every business owner asks himself, everytime he has a bad day. I once received e-mail from the editor of the Auto Body News, asking me that key question. “What is happening in the market toda. . .
Promote your Business and Products through Submitting Articles to Top Web Sites
Articles submitted to Online publishers bring your site new visitors and increase your ezine subscribers. You can also get these benefits by submitting your articles to top Web sites that not only promote your products, but also your services. Here's how to get your articles on Web sites that hav. . .
Improving Customer Service
Improving customer service starts at the top - with us owners and managers. We need to be living pictures of how we want our staff to treat customers. Having 10 plus years operating, owning and working in the food business and being a customer myself, I know what good customer service looks like.. . .
“The ‘Matrix’ Is Real: 5 Ways to Pull Yourself Free and Live More Prosperously”
As millions of people flood cinemas to see the new “Matrix” movie, most of them will have no idea that in fact they’re plugged into a real-life matrix.However, the real life matrix is not run by power-hungry computers; it has everything to do with the way people have been programmed since they we. . .
So, Why Don't You Tell Me About Yourself?
"So, why don't you tell me about yourself?" is the most frequently asked interview question. It's a question that most interviewees expect and the one they have the most difficulty answering. Though one could answer this open-ended question in a myriad of ways, the key to answering this question. . .
How to pay less and get more: Discount broker vs professional
How do you invest? What do you really pay? At the end of the day, what are your real results? These are questions smart investors should be asking themselves (but usually don't). In this era of more fees, misc. charges, holding periods and back end redemptions, even at discount brokers, how are y. . .
Ignore PR at Your Peril!
Please feel free to publish this article and resource box in your ezine, newsletter, offline publication or website. A copy would be appreciated at bobkelly@TNI.net. Net word count is 770 including guidelines and resource box. Robert A. Kelly © 2003. Ignore PR at Your Peril!If you do, it means: . . .
Create a Blueprint For YOur Success
Having a strong foundation enables you to build a thriving,profitable life and business. A simple method to create this foundation is with Discovery, Vision, Planning and Benchmarking, the four cornerstones of your life as well as your business.Discovery is defined as examining where are you now . . .
Anxious About Your Public Relations?
Shooting from the hip always creates anxiety. Especially when managers order a communications tactic here, another there, but fail to base them on a realistic public relations goal and strategy. One that could increase the chances they’ll get the results they want. Why waste resources this way. . .
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