I got a question from one of the readers this week: “How can I earn an 8% annual return on my 401k?” This is a great question. First, I will admit that I do not claim to be an expert and that I made my fair share of mistakes as an investor and learned well from them. One of those […]
Everyone knows Kirby vacuum cleaners. They are well known, not just for their vacuum but for the way they are marketed. They’ve been under a lot of scrutiny, but their methods have worked. They have been and continue to be the most durable and popular vacuum cleaners on the market for decades. The Kirby Company has been manufacturing vacuum cleaners […]
Every day, people face the unfortunate consequence of water damage to cell phones. They flush down the toilet, swim in backyards or public pools, and enjoy days at the beach. Many stay in pants pockets and go through the washing machine cycle. No matter the cause, you will likely find that if your cell phone gets wet, it will stop […]
A man is known by the company he organizes. -Ambrose Bierce [Types of Businesses] – Owning your own business is an important part of being financially successful in a capitalist society. There are many types of businesses to choose from, so one of the first decisions you’ll make is the type of business to open. There are several options to […]
A while back, a potential client provided me with some general details of the writing job he wanted me to do for his company. So he asked me to send him a proposal. Proposal?! I panicked when I tried to confirm with him what he meant by that, since I had never done one before, at least not as a […]
Outdoor Plaque With Stake When it comes to building a memorial plaque for your loved one, it’s important to consider the material you choose. The right choice can make all the difference between a plaque that is a fading memory and a lasting tribute to the deceased. There are a number of options available, and choosing the most appropriate one […]
Although I have an eye for a fair number of negotiation tactics, I find that negotiation, in most circumstances, is simply a hindrance to the normal flow of business. For a moment, calculate the opportunity cost that you’ve seen squandered by others who want to negotiate meaningless, arbitrary things like the cost of pens at Staples. You would probably have […]
Congratulations! You and your partner have a lot of joy on the way. My husband and I were ecstatic when we found out we were pregnant with our first child, but that’s when reality hit us. An extra person in the household meant more expenses in all aspects and a complete change in our usual routine. Sacrifices are often made […]
Default arising from customer credit risk is inherently warranted in all industries, however taking certain steps can minimize this risk. You are forced to deal with customers who file for bankruptcy or are delinquent that can affect your cash; especially if you have a substantial cost associated with serving that same customer. Keeping your days sold pending (DOS) ratio as […]
There is no question that any lender who is willing to make a loan to a borrower with bad credit is taking a risk, especially when no collateral is provided as part of the loan agreement. Giving bad credit unsecured personal loans seems silly, but there is a method to their folly. As far as a borrower is concerned, the […]
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