Financing Strategies ...!!
Here is a collection of finance articles that covers a wide variety of topics for your different needs. Begin with the articles about developing a budget on a debt management plan and the appropriate ways to manage debts.

Boutique Specializing Gifts for Women

9:09 PM


Welcome to Posy Lane - our boutique specializing in unique and personalized gifts for women, children and much more! Order the items you can not find anywhere else in 32 embroidery fonts and thread colors for 39 of our large selection of items embroider-able, we are always looking to better serve you.

For our embroidered items, we offer the same quality of embroidery we offer stand-alone for our local community - Most can be customized to complete and thick sewing attract your attention!

Kids nap mats
Perfect for infants and toddlers, Mint nap mats are padded and lined with nylon and cotton with a ribbon trimmed, soft, woolly blanket. It rolls and has a Velcro closure strap to carry. It has a fleece cover and a soft foam attached removable pillow. To clean, simply remove the pillow and children, and mix the rest in the washing machine. Ideal for daycare, nursery school or preschool.

Stephen joseph quilted backpack
These adorable Stephen Joseph are great quilted backpacks for toddlers! Made from 100% cotton, they are machine washable and durable. The front legs have a double cord magnetic snap closures. It has a strap and carry over your shoulder. Straps are adjustable using buttons and button holes.

Stephen joseph backpack
Your children will love these cute Stephen Joseph back! Made of vinyl, the backpack is very easy to take care of, just clean with a damp cloth. There is much room for the entire staff of your child for school. The backpack straps are adjustable and the backpack has a small inside pocket. The backpack is adorable just the way it is cute, but even with your child's name embroidered on it.

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What is the return on investment

7:46 PM
What is the return on investment? Many decisions made every day to take into account the return on investment. Most good managers or business owners will not make a decision unless there is a kind of return on investment of the company involved in making that decision. The c

What is the return on investment?

Many decisions made every day to take into account the return on investment. Most good managers or business owners will not make a decision unless there is a kind of return on investment of the company involved in making that decision. The concept of ROI dictates the decisions of sale, and may also impose other important decisions such as personnel decisions and business plans. To be able to function efficiently and effectively any type of business, you must have a complete control of the idea of creating a return on investment for your business or you will not be in business for very long. While the world is the return on investment?

In business ROI is king and the return on investment is return on investment. To justify the purchase of a piece of equipment, a company must first show that there is a return on investment for the purchase of this equipment. Very few managers or business owners will approve a purchase made without sufficient return on investment for the purchase shown. It May sound easy enough to understand the ROI, but there are many who will determine the ROI and in many cases, the return on investment using to justify a purchase can be an enormous risk of being taken by this endeavor.

One way to determine return on investment that is used by many companies to determine whether or not to purchase a large quantity of equipment is a thing called life cycle ROI. All products purchased by anyone who has a life cycle and the value of this life cycle is not always determined solely by the cost of the product itself. There are many examples to illustrate this point, but probably the best example is the use of life cycle, the return on investment of buying a single computer to a business.

Determine the real return on investment varies from company to company, but the process most companies generally use the same. When a company decides to May, it will be time to buy a new computer, it must first determine if the cost of the computer, it is interesting to them. If a computer cost $ 1000.00, then it must be at least $ 1,000.00 value of production being lost with the current computer. Recovery May that production losses to avoid paying the computer immediately, but as long as we can show that it can be repaid within a reasonable time, then the purchase can be justified. In most cases, the purchase of the computer use the term of the guarantee that the time they need to recover their costs. Once the guarantee is in place, the computer becomes a potential source of revenue loss because the setting, it costs money. But the loss of production is used to determine that the purchase of a computer must be made, and determines the return on initial investment on the computer.

When a company buys a piece of equipment, they are not all the newspapers that the cost in both their accounts. The value of the equipment is spread over time and the value of the equipment is amortized over time. That is why a computer can show $ 1000.00 ROI over time. The cost of the computer are not absorbed by both the company's accounting records. Once the computer has been taken into account in the records, it is no longer a tax advantage for the company. The depreciation for the company in buying the computer will also include the return on investment of the computer. Once the computer is out of warranty, and is no longer a tax advantage, the return on investment of the computer is determined by its ability to perform without the costs associated with repair and sufficient capacity to enable production by the person using it. If the computer becomes too expensive to maintain because of repair costs or the lack of production, he made his return on investment and is usually discarded. Even the storage of old computers is a negative return on investment because the area produces no income, it is used to store the old machines that do not help the company to profitability for all. This is the reason why companies prefer to discard old equipment rather than cling to it.

This is a simple explanation of return on investment, and he hoped, give an understanding of how a company assigns a value to the purchase they make. Just remember that the company will not make a purchase unless there is a kind of return on investment associated with this purchase. When return on investment starts to become negative to society, they prefer to throw the equipment to continue to allow a negative return on investment on their books.

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Marketing Strategy - Potential for Business

7:37 PM
In 1960, Vice President of marketing services at GE authorized a large-scale project (called PROM, optimization model for profitability) to examine the benefits of the impact of marketing strategies. Several years of effort to produce a computer-based model that identified the main factors responsible for a large part of the change in return on investment. Because the data used to support the model from various markets and industries, the PROM model is often considered a crosssectional model. Even today, the cross-section models are often used in GE. In 1972, the program PROM, now known as PIMS, was moved to the Marketing Science Institute, a nonprofit organization associated with Harvard Business School. The scope of the PIMS program has increased so much and its popularity has gained the momentum that a few years ago, the administration proposes to the Institute of Strategic Planning, a new agency created to PIMS. The PIMS program is based on the experience of more than 500 companies in nearly 3800 "businesses" for periods ranging from two to twelve years. "Business" is synonymous with "UDF" and is defined as an operational unit that sells a range of products to an identifiable group of customers, in competition with a well defined set of competitors. Essentially, PIMS is a cross-sectional study of strategy on the experience of associations. The information gathered from the participating companies is provided at the PIMS program in a standardized format in the form of nearly 200 pieces of data. The PIMS database covers large and small firms, markets in North America, Europe and elsewhere, and a wide variety of products and services, ranging from candy for the heavy capital equipment to financial services. The information covers such things as

• A description of market conditions in which the enterprise operates, including elements such as the distribution channels used by the UDF, the number and size of its customers and the market growth rate and the inflation.

• The business unit's competitive position in its market, including market share, relative quality, prices and costs related to competition, and the degree of vertical integration compared to the competition.

• the annual measurements of the UDF and operating financial performance over periods ranging from two to twelve years.

Overall Results The PIMS project has indicated that the profitability of a company is affected by 37 basic factors, explaining over 80 percent of variation in profitability among the companies studied. Of the 37 basic factors, seven were of paramount importance. Based on the analysis of available information in the database of PIMS, Buzzell and Gale suggested the following strategy principles, or links between strategy and performance:

1. In the long term, the most important factor affecting a business unit of performance is the quality of its products and services over those of competitors. A quality edge boosts performance in two ways. In the short term, high-quality increases profits via premium prices. In the longer term, superior or improving the quality of parent is most effective for a company to develop, leading to both market expansion and gains in market share.

2. Market share and profitability are closely related. Business units with a very large share of more than 50 percent of their served markets benefit from the rate of return of more than three times larger than the small SBus (those serving less than 10 per cent of their markets) . The main reason for the market share, profitability link, apart from the connection with relative quality, is that large businesses from the economies of scale. They simply have lower per unit costs than their smaller competitors.

3. Intensive investment acts as a powerful brake on profitability. Investmentintensive companies are those that employ a lot of capital per dollar of sales, by dollar value, or employee.

4. Many so-called "dog" and "question mark" generate cash businesses, while many "cash cows" are dry. The principle of growth share matrix for planning (see Article 10) is that cash flows are largely dependent on market growth and competitive position (your hand compared to your biggest competitor). However, the PIMS research shows that while market growth and the relative is related to cash flow, many other factors also influence this dimension of performance. Accordingly, the estimated cash flows based only on the growth share matrix are often misleading.

5. Vertical integration is a profitable strategy for some types of businesses, but not for others. Whether increased vertical integration helps or night depends on the situation, regardless of the cost of its implementation.

6. Most of the strategic factors that boost ROI also contribute to the long-term value. These principles derive from the premise that performance is based on three main types of factors: market characteristics (ie, market differentiation, the growth rate of, the conditions of entry, unionization, capital intensity and amount of purchase), the company's competitive position in that market (ie, relative perceived quality, relative market share, compared with l 'capital intensity, and relative costs), and the strategy it follows (ie, prices, expenditure on research and development, the introduction of new products, changes in relative quality, the variety of products / services, marketing, distribution channels and the relative vertical integration). Performance refers to measures such as profitability (ROS, ROI, etc.), growth, cash flow, by value and share price.

Management Applications The PIMS approach is to collect data on the actual number of business experience as possible and search for relationships that appear most significant effect on performance. AModele of these relations is then developed so that the estimate of a return on investment can be made of the structure and strategy of the factors associated with the company. Obviously, the PIMS framework should be amended from time to time. For example, the repositioning of structural May impossible and cost prohibitive to do so. In addition, the actual performance in May to reflect an element of chance or an unusual circumstance. In addition, the results May be influenced by the effects of transition from a conscious change of strategic direction. Despite these reservations, the PIMS framework can be beneficial in the following manner:

1. It provides a realistic and consistent method for establishing levels of yield potential for business.

2. It prompts reflection on the management reasons for differences in performance.

3. It gives an overview of strategic decisions that will improve the return on investment.

4. It encourages an appreciation of more discerning unit performance. Since the mid-1970s, the PIMS database has been used by managers and planning specialists in several ways. Applications include the development of business plans, evaluation of estimates by management, and evaluation of possible strategies. The data suggest that

• For fans, the current profitability is affected by a high level of product innovation, measured by the ratio of sales of new products to total sales or spending on research and development. The penalty to pay for innovation is particularly heavy for firms ranked fourth or less in their served markets. The market leader in profitability, on the other hand, are not affected by new products or the research and development.

• High rates of lower marketing expenditure return on investment for the followers and not leaders.

• Low-ranking market followers benefit from high inflation. For companies ranked first, second and third, inflation has no connection with the return on investment.

The measure of the value of marketing strategies in recent years, a new criterion to measure the value of marketing strategies has been suggested. This new approach, called value-based planning, marketing strategies by the judges of their ability to improve shareholder value. It focuses on the impact of a strategic decision on the value investors place on the shares of a company asset. The main feature of the planning based on the value that managers should be evaluated on their ability to make strategic investments that produce returns above their cost of capital. Value-based planning ideas attracts contemporary financial theory. For example, an enterprise of the principal obligation is to maximize the return on capital appreciation. Similarly, the market value of an action depends on investor expectations of the capacity of each unit's business to generate cash. The value is created when the financial benefits of a strategic activity that exceed the costs. To account for differences in the timing and risks of costs and benefits, the value of planning based on estimates of the total value by discounting all cash flows. Accompanying this has been using the value of the approach based on a certain time is based on the Connecticut Dexter Corporation. Its value-based planning uses four sub-:

Dexter • The financial system of decision support (DSS), which provides strategic business segments (SBS) with financial data. DSS offers a month's profit and loss account and balance sheet for each segment of activity. All divisions expenditure, assets and liabilities are assigned to SBSs.

• A system based on micro-computer, which processes the data for use in the two subsystems of the system of financial reporting and the value of the system planner. Financial data generated by the DSS should be transformed to meet the input specifications of these two subsystems.

• The financial reporting system of enterprises is estimated that the cost of capital of the SBS. To estimate the cost of capital, Dexter uses two models. The first is the obligation rating model simulation. This model is used to estimate the appropriate capital structure to each of its SBSs, given his six years of financial history. Each SBS is assigned the highest debt to total capital ratio that would allow him to receive a quote A. The second model, which is used to calculate the cost of capital, is the model for estimating risk. This model allows the cost of equity to be estimated for the segments that are not publicly traded.

• The value of the system planner estimates a company's future cash flows. The basic principle of the planning system is that decisions should be based on a rigorous examination of expected future cash flows. Dexter uses the last 12 quarters of these statistics to produce a first cut projection of future cash flows. As information on a new quarter becomes available, the oldest neighborhood in the model is deleted. These historical trends are used for projecting financial ratios in the future. The following assumptions were made to calculate future cash flows: Sales growth based on the hope that each SBS maintain market share. Based on net plant growth rate in unit volume considered necessary to maintain the market share of Dexter.

Unallocated costs projected for each division SBS using the same percentage of sales for the division as a whole. The appropriate time horizon for cash flow projections based on the number of years that companies can invest at a rate of return. These assumptions are controversial because they do not allow cash flow projections to be tailored to each SBS. Dexter terms of managing its history provides a naive projection and uses it to challenge its managers to explain why the future will be different from the recent past. The next stage of value-based planning process is to calculate the value of estimated future cash flows and delivered by the cost of capital for SBS. If the estimated value of a SBS is higher than the value of his article, SBS contributes positively to the wealth of shareholders Dexter, which means it makes sense to reinvest in it. The main strengths of Dexter's SBS value planner system have been stated as follows:

• The emphasis on the line to be intelligible to managers aValues-based planning model that can indicate SBSs are not creating value for shareholders. However, it is the manager of SBS, which must take action to correct the problems that the analysis reveals.

• Its degree of accuracy the real dilemma in the design of planning models based on values is to make them easy to use, while improving the precision with which they reflect or predict the market value of the company.

• Integration with existing systems and databases by developing a system that works with existing systems, costs are reduced and upgrades are easier to implement. Also, it is easier to gain acceptance frames valuebased if the planning system is presented as an extension of decision support that they currently use. In the seven years since Dexter has used the method based on value, he made important contributions to decision making. Using this approach, managers Dexter made the following decisions:

• Do not invest in a SBS with prospects for growth to its evaluation, based on the performance increases considerably.

• To reduce the size of the harvest and a SBS with a negative value.

• To sell SBS with a negative value to its employees for the item of value.

• To sell an SBS with a value higher than the item of value, but for which a tender was received which was significantly greater than any that could be reasonably modeled in the hands of Dexter. The interesting feature of these decisions is that they can work a little against the requirements that flow from a portfolio-planning approach. The first decision, for example, refers to a star business, probably worthy of further investment. Unlike the planning portfolio, where growth is desirable in itself, under planning based on value, growth is healthy only if the company is creating value. Dexter uses the value-based planning as a guide for decision making, not as an absolute rule. The approach is generally understood and accepted, but many managers question its relevance. They now know that their divisions to create value for the company, but they do not understand how they can use this information to create or modify important business decisions. Top management understands the value of planning needs more time before it is fully accepted.

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Optimzing Google Adsense

6:35 PM
Web publishers are discovering that Google Adsense is a great way to generate revenue from their content rich sites. Google Adsense provides a simple sign up process and a simple system that generates cut-and-paste code that will display ads on the site that are matched to the site’s content. With 15 minutes of effort and a brief wait for approval, a webmaster will be set to receive about half of his potential revenue stream from Adsense. The other half of the revenue takes a little thinking and work.

AD LAYOUT The shape of the ad will have a great affect on clickthrough rate. If you choose to use a format that is very familiar and easily ignored, like a traditional banner ad shape (468 by 60 pixels), your performance will be poor. If you choose a newer format like a tower (120 wide by 600 tall) you will see better performance. utilizes this format. You will also see higher clickthrough rates as the overall size of the ad grows. If your site allows it, go with the biggest and newest shapes that Adsense offers.

COLOR The color of your Adsense ads can affect the way users respond. You can be subtle and blend into the rest of the page and may draw people to links as they appear to offer more information rather than standing out screaming come buy something. The subtle approach can be accomplished by selecting the standard Google Adsense color scheme closest to your site’s scheme or you can match exactly using the custom pallet.

You may want to attract attention to your Adsense ads. You can do this by selecting or creating color schemes that stand out. You will also want to use the mulitple color scheme feature by selecting several color schemes by holding down your control (Ctrl) key and clicking up to four choices. The varying color schemes may get more notice than a constant color scheme.

POSITION The position of your Google Adsense ad can have affect on how well the ad performs. Avoid blindspots and consider how a visitor exits a page. The most likely blindspot to avoid is the traditional spot for banner ads. Visitors will likely ignore a banner shaped ad at the top or bottom of your page. They will likely ignore a tower placed at the top of the right or left column if the content extends beyond the length of the ad. In the case of content rich pages, it would be wise to test placing non-banner shaped ads at the end of the page where the reader is done with a page and ready to exit. uses this technique effectively at the end of articles, offering the reader more articles and relavent ads. It’s always a good idea to give your visitors a path through your site that is relavent and valuable to both you and them.

CHANNELS Google recently added channels to Adsense. A channel is just an extra bit of code that lets you track revenue from a channel such as a site, a page, or some other characteristic you may want to track.

Prior to the introduction of channels, a webmaster would place Adsense code on various sites and pages and would only see an aggregate result of clickthrough and revenues. With channels, you can set a channel for various sites or various pages or various ad types. By your using your channels you can determine what ads are working in which location. On an Adsense banner ad performed very well in some pages and a large Amazon ad performed poorly so a large Adsense replaced the Amazon ad.

USE THE SCIENTIFIC METHOD The Scientific Method can be summarized as Plan, Do, Check, Act. By planning out your attack by designing and implementing your ads, you accomplish the Plan Do portion of the cycle. By using Adsense Channels, you can check to see how your plan worked. You will no doubt see ways to Act or adjust your approach after checking your results. You may end up modifying your site or modifying your strategies on attracting traffic. No matter what the case, you will need to do a little work but the results are worth it.
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Money Management For Recession Effects

11:31 PM

Most of us, in one way or the other, are trying to tackle the recession effects that have affected our personal spending and saving. Parents are struggling to pay university fees and young graduates are struggling to get jobs. Economic slowdown can be a good time to understand money management ideas which can help overcome everyday crisis and also save for the rainy day.

The best way to make sure how much is left for our own use is to ‘pay the bills on time’. If there’s been a considerable saving that can be made into an investment do it right away. Small amounts saved can be used for expenses like renting a house or getting a much-needed appliance for home.

Another way to overcome sudden expenses is to make your monthly shopping a fixed attribute. Revaluate your home expenses to understand where exactly the money is moving out. High mobile bills and electricity bills can definitely be reduced by making personal lifestyle changes. Use free budget software or online money management tools to track every aspect of your spending and keep tab on the money that is remaining at the end of every month.

Credit card expenses need special mention as they are easy to use. Make sure you don’t possess more than one, unless absolutely necessary, and make it double sure that you pay the bills on time. Utilize the credit period provided for purchase so that there’s enough time to pay back.

Make amendments as a family to understand how each of you can contribute towards managing the current financial situation. If there are more than two earning persons in the household, make all expenses from one account and save the other one completely. Teach your family the art of saving and look for alternate part-time employment, whose income can go as a small savings for the family.

When financial planning is done meticulously there will be no need to panic during sudden job losses. It helps you sustain till the next job is found and that itself is a great life saver for many.

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Secured Credit Cards For Students

11:25 PM

Many times parents want their child to have a credit card when they go off to college but they are not sure what the best type to select is. The "Secured Credit Card" is one of the best cards that you can get for your student when they are going off to college because you have better control over the amount of money that can be spent. You cannot increase the spending amount unless you deposit more money into the students account.

A secured credit card requires that you open up a savings account with the lender who in turn holds that account as a security deposit against the credit card. Most secured credit card accounts are normally around $300 to $500. You can of course make the amount as high as $5,000 this depends on how much you plan on putting into the students account for expenditures. The card is secured because of this deposit but it is still credit and must be paid according to the agreement.

This is a great way for the student to build their credit score so that they can apply for an unsecured credit later without worrying about a co-signer. It is best when you do have a credit card to make sure that you make your payments without being late. It is most beneficial for any student with a secured credit card to pay off the amount they use each month before the bill comes due. This enhances their credit record giving them a higher credit score.

When you're looking at all the types of student cards on the market, there are a few things that you have to keep in mind when applying for one. A regular card and a secured card are completely different when you compare the two and let me explain why they are different.

When you apply for a secured card, you're going to find out that the bank is going to ask for a deposit since you're at a higher risk. They are going to use this as collateral and if you don't pay your bills off each and every month, they can dip into your account and take the money that they need. This of course is going to affect your credit rating. This is why it's important to pay your card off in full each and every month.

If you do decide that you want to apply for a student card that's secured, always look at the fees as well as if it reports to the bureaus. If it doesn't report to the major credit bureaus, you may find out that it's going to be useless because the credit reporting agencies will never even know you have the card. This is why it's essential when it comes down to doing your homework. If you don't do your homework, you may find that you're using a card that you don't want. Look at the regular cards and the secured cards and see what will work out for you in the future.
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Financing Strategies ... !

10:05 AM
Here is a collection of finance articles that covers a wide variety of topics for your different needs. Begin with the articles about developing a budget on a debt management plan and the appropriate ways to manage debts.

Venture into business banking services or start a new one on reloadable credit cards. Improve your financial standing by availing one hour pay day loan if you have bad credit personal loan.

These are only examples of finance articles that are widely read but look at the sub categories for your other questions and you will see that we got them all here.
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7 money habits for you

7:46 PM
According to a research on the economic security of American's middle-class families, 76% percent of the families do not have enough net assets to meet 3/4 of basic expenses for 3 months. Although the data was as of 2006, the report revealed a trend of the situation getting worse over the years.

These days, the newspaper is flooded with news on economic downturn, job loss, bankruptcy... Are you ready for the future? Rate yourself with the household financial security scorecard. Here are some money habits to get you off the shaky ground.

1. Start saving automatically.
Start from 10% of your after-tax income. Setup an investment account with some of the low-cost and low-risk index funds. Schedule a monthly or bi-monthly deduction from your checking account to feed it. You'll be surprised how much you can save in a year.

2. Set a realistic budget and stick to it.
Find out how much you've been spending every month. Set a budget that's both feasible and comfortable, but a little lower than your average spending. If you spend more than necessary, deduct the excess from the budget of the next month. If you end up saving some, keep it aside as a rewards to pamper yourself. And enjoy it without guilt.

3. Always go shopping with a list (and your reusable shopping bag).
If an item is on your list, look for a bargain first. But don’t buy anything ONLY because it’s cheap. It's not your responsibility to cram your personal space with useless stuff in order to help the manufactures clear their inventory. Ask yourself if you'll buy it if it's not on sale. If the answer is no, walk away.

4. Examine your cash flow monthly.
Pay off your credit card balance every month. Figure out your bank fees and eliminate them by choosing a different plan or different bank. Look at the charges on cable, cell phone, internet, membership, are you paying more than you should?

5. Detail your net worth on paper and keep updating it every quarter.
Calculate your assets and liabilities. Follow up on your investments and make adjustments if necessary. Have a plan to increase your asset, not your possessions. There are plenty of books teaching you how to do that, which is why you should...

6. Educate yourself about finance
every week.
I borrow books from the library to make sure I read them. You can also talk to a financial adviser, but don't buy anything yet. Talk to your friends and do you own research. Make sure you understand what you are getting into. At the end of the day. The broker gets his cut regardless if your investment is paying off.

7. Work on generating more income everyday
Once you are in control of your finance, it's time to start making more money. It's the best way to improve your financial situation. If you are an employee, a side business can provide you more income and numerous tax deduction benefits. If you are not, find out better ways to turn what you are doing into a self-running business.

Money comes to those who know how to take care of them. Take care of your money and it will take care of you.
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consolidate credit card debt

7:42 PM
We know that it's good to consolidate credit card debt (at least that is what we keep hearing from everyone). In fact, the first step towards addressing the problem of credit card debt is to consolidate credit card debt. Now, what do you do to consolidate credit card debt? Should you just go with that attractive ad in the newspaper that says '...the lowest APR in the town is available here'?

The first thing, really, is to keep your eyes and ears open. There are always a number of offers available for you to choose from. The credit card suppliers keep coming with new and more attractive offers asking you to consolidate credit card debt with them. However, you must note that the APR quoted in bold, e.g. 0% APR, is applicable only for a short term (3-9 months). The long term (or the standard) APR is different. So, when you go looking for a credit card to consolidate credit card debt, you must be keenly looking for these 3 things (in terms of APR) - introductory APR, introductory APR period and the standard APR. Let's see how each one is important.

Introductory APR is probably the most attractive thing to look for when you are looking to consolidate credit card debt. If you consolidate credit card debt to a card that has a low introductory APR e.g. 0%, the first thing you get is a breather/relief in terms of the rate at which your credit card debt has been growing. Based on how long that 0% APR period is (generally you will look to consolidate credit card debt with a credit card supplier who offers 0% initial APR), you will at least be able to temporarily break the growth rate of your credit card debt. More the introductory period, the better it is. However, you should not ignore the standard APR when you consolidate credit card debt. This is the interest rate that will be applied to your balance after the expiry of the introductory low APR period that was given to lure you to consolidate credit card debt with that credit card supplier. If the standard APR is too high and you know that you will not be able to clear off the entire credit card debt during the low APR period, that credit card is probably not the best for you to consolidate credit card debt to. However, if you think that you will be able to clear off the entire credit card debt during that period, you can make some compromises on the standard APR of the credit card to which you consolidate credit card debt.

The card that synchronizes with your current and future financial position (and needs), is the one you should consolidate credit card debt to.
We know that it's good to consolidate credit card debt (at least that is what we keep hearing from everyone). In fact, the first step towards addressing the problem of credit card debt is to consolidate credit card debt. Now, what do you do to consolidate credit card debt? Should you just go with that attractive ad in the newspaper that says '...the lowest APR in the town is available here'?

The first thing, really, is to keep your eyes and ears open. There are always a number of offers available for you to choose from. The credit card suppliers keep coming with new and more attractive offers asking you to consolidate credit card debt with them. However, you must note that the APR quoted in bold, e.g. 0% APR, is applicable only for a short term (3-9 months). The long term (or the standard) APR is different. So, when you go looking for a credit card to consolidate credit card debt, you must be keenly looking for these 3 things (in terms of APR) - introductory APR, introductory APR period and the standard APR. Let's see how each one is important.

Introductory APR is probably the most attractive thing to look for when you are looking to consolidate credit card debt. If you consolidate credit card debt to a card that has a low introductory APR e.g. 0%, the first thing you get is a breather/relief in terms of the rate at which your credit card debt has been growing. Based on how long that 0% APR period is (generally you will look to consolidate credit card debt with a credit card supplier who offers 0% initial APR), you will at least be able to temporarily break the growth rate of your credit card debt. More the introductory period, the better it is. However, you should not ignore the standard APR when you consolidate credit card debt. This is the interest rate that will be applied to your balance after the expiry of the introductory low APR period that was given to lure you to consolidate credit card debt with that credit card supplier. If the standard APR is too high and you know that you will not be able to clear off the entire credit card debt during the low APR period, that credit card is probably not the best for you to consolidate credit card debt to. However, if you think that you will be able to clear off the entire credit card debt during that period, you can make some compromises on the standard APR of the credit card to which you consolidate credit card debt.

The card that synchronizes with your current and future financial position (and needs), is the one you should consolidate credit card debt to.
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Big Secret to Making Money Online: Stop Wasting Money

7:20 PM
I'm sure that headline reads like common sense at first - in order to make money, you shouldn't waste money - but let me explain exactly what I mean.
I'm talking about the compulsion that so many people have to buy the latest internet marketing product out there because they think it's going to make them rich in no time at all. You know who you are.

I can understand why someone might think that way. After all, the marketing for these products always does a good job of selling them as bright shiny new money making techniques that work overnight. But they never really work out to be that exactly, do they?

By the way, I'm not calling every new internet marketing product a scam. But it's fair to think that I might be, anyone who knows me knows that I spend a lot of time educating internet users about scams and how to avoid them. But right now, actually, I'm talking about the good ones. And there have been some very good programs available that have been put together with a lot of hard work and research by folks with a lot of personal experience.

But the marketing often sells them as the quick fix, and they often insist that you make your purchase right away before it comes off the market or goes up in price. That's fine as a marketing technique, but it's not doing you any favors.

In truth, if it's any good, then it'll still be around in a few months, so you can always get it then. And if you're thinking, "But Mark, it's only going to be available to buy for a few days", then I say let them take it off the market. They'll reopen it again soon, don't you worry. They always do. And then you'll at least be able to see how it worked out for previous customers.

But I digress. What I really want to talk about right now is how distracting it is to you and your business to keep chasing after the hot new thing time and again, and never getting any important work done.

You end up buying and reading and buying and reading, sometimes for years, and never taking action. Educating yourself is always a good idea, but you don't want it to get in the way of doing the work you need to do. And, I'm sorry to say, there will be some work to do.

I'm sure you've heard many times about the importance of taking action. Just getting started, for most people, is a huge step. Seeing your way through all of the steps to the end is an even greater accomplishment, and one that so few people actually achieve.

And that's why so many people are having trouble making money with their online businesses.

So my recommendation today is essentially that you find a good solid program from some trustworthy people that will teach you how to go from zero to a successful website and stick with it until you complete the whole program and your website is running on autopilot and bringing in the cash.

Once you're in that position, then start looking for other programs that can help you work on other things like search engine optimization, or pay-per-click campaigns, or increasing conversions, or what have you. And even then, stick to one system at a time until it's completed. Then move on to the next.

It's the only way to be truly effective and successful with your business.

here are a lot of great programs out there that can help, and if they're really great, then they'll still be there when you reach the point with your website when it makes sense to invest in them.

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Make Money For Free for yourself

7:13 PM
Are you asking yourself, how do I make money for free? Is there such thing as free money? Free money is right in front of our faces every day. Could it really be that easy? It can be and it really is.
All you have to do is some research. You have to research, how to make money online. I can give you some free pointers. I believe that money should come easy for all of us. It should not be hard and you should not have to strain. Everybody everywhere should be making money and living the life they want to. You deserve to make money, lots of money and I will tell you how to do it.

What you must do, is find an affiliate program. An affiliate program is where you promote someone's product and make a generous commission. Commissions are generally over 50%. Just type in affiliate programs on your internet browser and your opportunities are awaiting you. Now pick an affiliate product that jumps out to you. Usually a good product to promote is something that you are interested in.

Most affiliate programs are free. Some good affiliate programs are clickbank, commissionjunction, and paydotcom. Ok, so now you have an affiliate product or maybe several. You can promote these products through free classified ad sites. You can promote these products through free forums. There are many other ways to promote your products. Just do a search and use your resources.

You can definitely make some free money. It does take some time and effort on your part but it is worth it. You could very easily benefit and make even more income than your full time job. Many people make thousands of dollars a year from this line of work. The best part is that you do not even have to leave home. Parents can enjoy time with kids. Couples can enjoy time together. Once you put in the work, you can make money with doing minimal work. By minimal, I mean like only 1-3 hours a day.

If you are looking to make money right away, you may want to invest in a legit money making program. A money making program on the internet can range anywhere from $50- $100. What these programs do for you, is give you an easy to follow guide or e-book. Some give you a free website. A lot of these internet programs give you leads which tend to make your sales a whole lot easier, which gets you making money faster. Plus this helps you make more money right away. People make money as fast as 3 days with proven systems. Make sure if you pay for an online system, that it has a money back guarantee. Make sure that it is a creditable site. Look for one time fees and no other out of pocket expenses.

Whatever you decide to do, I want to wish you luck. I want you to know that there is such thing as free money. It doesn't have to be hard or frustrating. We just have to think outside of the box. Many people are turning towards the internet and are making above average incomes. These people are just average people, people like you and me. I am making a fortune and so are they, and so can you.
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Whether its customers including

4:09 AM

New York Attorney General Andrew Cuomo, below right, subpoenaed American International Group's credit-default swap data to see whether its customers including Goldman Sachs Group, Societe Generale and Deutsche Bank were improperly compensated with taxpayer dollars.

AIG's Financial Products subsidiary, which sold the credit-default swaps blamed for crippling the company, has been under fire after paying out $165 million in retention bonuses this month while its parent company was taking federal bailouts valued at more than $170 billion.

AIG sold swaps to more than 20 U.S. and foreign banks. After the company was rescued from collapse last year, banks that bought credit-default swaps got $22.4 billion in collateral and $27.1 billion in payments to retire the contracts, the insurer said this month. Goldman Sachs, Deutsche Bank and Societe Generale were among the largest recipients.

AIG Unit Gets Fed Financing

The New York Federal Reserve has signed off on American International Group's latest cash infusion for its aircraft leasing unit, a lifeline aimed at keeping it in business until it can be sold. International Lease Finance, one of the world's largest buyers of airliners, had warned that a failure to come up with new loans from AIG or someone else could threaten its survival.

AIG had loaned $800 million to the unit to cover its March spending. ILFC Chief Financial Officer Alan Lund said that another $900 million AIG loan for April was approved this week by the New York Federal Reserve. The money will be received on Monday; Lund said ILFC has $600 million in debt that will mature two days later. ILFC said in a filing that AIG will continue to offer such loans until March 2010 or until the unit is sold, whichever comes first.


Southwest Reaches Labor Deal

Southwest Airlines said it has reached a tentative deal that provides raises for its 9,800 flight attendants. The company said the four-year contract was reached with Local 556 of the Transport Workers Union, which represents the attendants.

Details of the terms were not disclosed.

Southwest now has tentative or approved labor agreements with nearly all its unionized workers, including pilots and mechanics.

The union said the agreement for flight attendants included pay raises, an increase in contributions to workers' 401(k) retirement plans and improvements in leave and job security. The union said it made no economic concessions.

Southwest earned $178 million last year, but that was down 72 percent from the year before, and the airline posted losses in the last two quarters of 2008. The airline has been cutting capacity as consumers and businesses reduce travel
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economic recovery bill President Obama

4:00 AM
More savings needed for health care costs

Prospective retirees need to be socking away more savings to cover medical costs, according to Fidelity Investments' latest health care cost estimate.

A 65-year-old couple retiring this year will need about $240,000 to cover medical expenses in retirement, an increase of 6.7 percent from the 2008 estimate.

The cost estimate assumes individuals don't have employer-provided retiree health care coverage, but are relying on Medicare.

Over the last seven years, the amount needed for retiree health care costs soared 50 percent, Fidelity said.

Gas back above $2

Oil prices hit a new high for the year Thursday, and the national average retail price for gasoline rose above $2 per gallon for the first time since November.

Benchmark crude for May delivery rose $1.57 to settle at $54.34 a barrel on the New York Mercantile Exchange.

In Chicago, the average price of unleaded regular gasoline was $2.16 Thursday, up from $1.93 a month ago and down from $3.42 a year earlier, according to AAA. Nationally, gas prices rose 2.3 cents a gallon overnight to a new national average of $2.009 per gallon, according to AAA, Wright Express and Oil Price Information Service. Pump prices are 10.9 cents higher than a month ago, but $1.252 lower than the same period last year.

Extra disability cash

People who collect Social Security or disability benefits will share $13 billion in federal money, each receiving a one-time, $250 payment beginning in May, Vice President Joe Biden said Thursday.

Recipients won't have to do anything to get the money, which will be sent separately from their regular monthly benefit.

The money comes from the economic recovery bill President Obama signed into law in February.

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who believes that 2009 will be a “dangerous year”

7:55 PM

Robert ZoellickRobert Zoellick, President of the World Bank, and a man who believes that 2009 will be a “dangerous year”, will be speaking on March 31st and has agreed to take questions from Reuters readers.

Zoellick has been outspoken during the current economic crisis predicting the first shrinking of the economy since the ’30s, warning that increased government spending will simply create a ‘sugar high‘ until banks’ toxic assets are dealt with properly, and urging a tougher stand against protectionism.

But the World Bank’s primary focus is on helping developing nations and alleviating poverty. Earlier this month it published research showing that the spreading crisis will push 46 million more people into poverty in 2009 on top of 130-155 million pushed into poverty in 2008.

With the London summit of the Group of 20 nations on April 2nd fast approaching what do you want to know about the World Bank’s role in shoring up the world economy and helping poorer nations? Use the comments section below, or use the #askwb tag on Twitter, and I’ll get as many of your questions to Robert Zoeliick as possible

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The attack occurred shortly after President Hugo Chávez

6:44 PM

Venezuelan prosecutors have charged eight police officers and three other people in connection with a break-in and vandalism in January at Caracas’s largest synagogue, prosecutors said Thursday.

The prosecutors said in a statement that they had asked a court to approve the charges, including robbery, “acts of contempt against a religion” and concealing firearms.

The suspects include a police officer who worked as a bodyguard for a rabbi. Another suspect is one of two security guards on duty during the attack. The guard is suspected of helping intruders by deactivating an alarm and an electric fence surrounding the building.

Vandals broke into the synagogue, Tiferet Israel, on Jan. 31, shattering religious objects, spray-painting anti-Semitic slogans and stealing a computer database with the names and addresses of Jews in Venezuela.

Investigators believe that the assailants had planned to steal a large amount of money they thought was inside.

The attack occurred shortly after President Hugo Chávez severed diplomatic ties with Israel in protest of its military campaign in Gaza, provoking concerns among some Jewish leaders that his fiery rhetoric was encouraging a wave of anti-Semitism.

Mr. Chávez, who condemned the synagogue attack, has repeatedly said he simply opposes Israeli policies toward the Palestinians and holds nothing against the Jewish people.

Venezuela’s Jewish population numbers nearly 15,000.

In late February, assailants threw an explosive device at a Jewish community center in Caracas, but nobody was hurt in the blast. No one claimed responsibility for that attack.
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A.I.G. Sues Government for Return of $306 Million in Tax Payments

7:38 PM

While the American International Group comes under fire from Congress over executive bonuses, it is quietly fighting the federal government for the return of $306 million in tax payments, some related to deals that were conducted through offshore tax havens.

A.I.G. sued the government last month in a bid to force it to return the payments, which stemmed in large part from its use of aggressive tax deals, some involving entities controlled by the company’s financial products unit in the Cayman Islands, Ireland, the Dutch Antilles and other offshore havens.

A.I.G. is effectively suing its majority owner, the government, which has an 80 percent stake and has poured nearly $200 billion into the insurer in a bid to avert its collapse and avoid troubling the global financial markets. The company is in effect asking for even more money, in the form of tax refunds. The suit also suggests that A.I.G. is spending taxpayer money to pursue its case, something it is legally entitled to do. Its initial claim was denied by the Internal Revenue Service last year.

The lawsuit, filed on Feb. 27 in Federal District Court in Manhattan, details, among other things, certain tax-related dealings of the financial products unit, the once high-flying division that has been singled out for its role in A.I.G.’s financial crisis last fall. Other deals involved A.I.G. offshore entities whose function centers on executive compensation and include C. V. Starr & Company, a closely held concern controlled by Maurice R. Greenberg, A.I.G.’s former chairman, and the Starr International Company, a privately held enterprise incorporated in Panama, and commonly known as SICO.

The lawsuit contends in part that the federal government owes A.I.G. nearly $62 million in foreign tax credits related to eight foreign entities, with names like Lumagrove, Laperouse and Foppingadreef, that were set up or controlled by financial products, often through a unit known as Pinestead Holdings.

United States tax law allows American companies to claim a credit for any taxes paid to a foreign government. But the I.R.S. denied A.I.G.’s refund claims in 2008, saying that it had improperly calculated the credits. The I.R.S. has identified so-called foreign tax-credit generators as an area of abuse that it is increasingly monitoring.

The remainder of A.I.G.’s claim, for $244 million, concerns net operating loss carry-backs, capital loss carry-backs, a general refund claim and claims for refunds of other tax-related payments that A.I.G. says it made to the I.R.S. but are now owed back. The claim also covers $119 million in penalties and interest that A.I.G. says it is due back from the government.

In part, A.I.G. says it overpaid its federal income taxes after a 2004 accounting scandal that caused it to restate its financial records. A.I.G. says in part that it is entitled to a refund of $33 million that SICO paid in 1997 as compensation to employees, which it now says should be characterized as a deductible expense.

A.I.G.’s lawyers in the case, at Sutherland Asbill & Brennan, referred calls to the company. Asked about the lawsuit, Mark Herr, an A.I.G. spokesman, said Thursday that “A.I.G. is taking this action to ensure that it is not required to pay more than its fair share of taxes.”
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As Dollar Shrinks, Oil Rises Above $50

7:35 PM

The Federal Reserve’s decision to fire up the printing presses and buy $1 trillion in debt continued to wash over world financial markets on Thursday, dragging down the value of the dollar and pushing the prices of oil and gold higher.

But on Wall Street, stocks slid into negative terrain, a day after they bounced higher in response to the Fed’s surprise announcement that it would purchase $750 billion in mortgage-backed securities and $300 billion in Treasury debt.

Financial shares, which had pulled Wall Street higher on Wednesday, tugged markets in the opposite direction. Shares of Citigroup fell 15.6 percent, to $2.60, as the banking giant announced a reverse stock split. Bank of America, JPMorgan Chase and Wells Fargo were all lower.

As commodity prices rebounded, shares of companies that produce basic goods like plastics, chemicals and metals moved higher, softening Wall Street’s losses.

The Dow Jones industrial average opened higher but quickly sagged and closed down 85.78 points, or 1.2 percent, to 7,400.8, its deepest decline in a week. The broader Standard & Poor’s 500-stock index fell 10.31 points, or 1.3 percent, to 784.04. The technology-heavy Nasdaq index was off 0.5 percent.

Many analysts hailed the Fed’s latest plan as a bold but risky gambit to stimulate the economy and lower mortgage rates.

“What you’ve done is you’ve created affordability,” said Scott Simon, head of mortgage-backed securities at the Pacific Investment Management Company. “This will make housing bottom sooner.”

Mortgage rates across the country dropped to 4.98 percent for the week ending Wednesday, from 5.03 percent the week earlier, according to data released Thursday by the government-controlled housing giant Freddie Mac.

Unable to cut its target rate any more to try to jump-start the economy, the Fed is now ratcheting up other efforts, like buying securities and essentially printing money, to try to loosen credit markets. But economists said such efforts could lead to long-term inflation, and could drive down the value of the dollar.

“They clearly bit the bullet,” said James Knightley, senior economist at ING Financial Markets in London. “There’s no guarantee that this will actually work. While they are expanding the money supply, it’s only going to generate economic activity if people actually borrow. You need the demand on the other side to actually get the credit growth.”

As the euro, the yen and other major currencies continued to gain ground against the dollar on Thursday, the price of oil — which is traded in dollars — rose $3.47 to settle at $51.61 a barrel in New York, its highest point since late November. While crude oil is still cheaper than its summertime peaks of more than $145 a barrel, prices have rebounded from their lows of $33 a barrel.

The rise in oil prices gave a boost to some energy companies, including Chevron and Marathon Oil.

The price of government bonds, which rose sharply following the Fed’s announcement, fell back slightly.

The Treasury’s 10-year note fell 19/32, to 101 9/32. The yield, which moves in the opposite direction from the price, rose to 2.6 percent, from 2.53 percent late Wednesday.
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FedEx Profit Drops 75%, More Than Estimated

7:31 PM
The FedEx Corporation said on Thursday that it was taking market share from competitors despite a recession that drove its profit down 75 percent.

The company also announced additional cost cuts, including reducing capacity at its FedEx Express and FedEx Freight units, and slashing personnel and work hours.

The company, based in Memphis, reported net income for its fiscal third quarter, which ended Feb. 28, of $97 million, or 31 cents a share, down from $393 million, or $1.26 a share, in the period a year earlier. Analysts had expected 46 cents a share, according to Reuters Estimates.

FedEx said third-quarter revenue fell 14 percent, to $8.14 billion, from $9.44 billion in the quarter a year ago.

“If this is what FedEx can do in really tough times, imagine what they can do when things bounce back,” said Sandeep Kar, a transportation analyst at the consulting company Frost & Sullivan. “They are going to emerge as a lean and mean company that will experience rapid growth.”

Like its main rival, United Parcel Service, FedEx is considered a bellwether of economic activity. When the economy does well, companies and consumers ship more goods; in a recession, package volumes drop.

For the current quarter, FedEx said it expected to earn 45 cents to 70 cents a share, below the average of 72 cents expected by analysts.

In December, the company said it had suspended matching contributions to its 401(k) retirement plan for a minimum of one year as of Feb. 1 and would impose pay cuts for all salaried personnel.

Package volumes at both FedEx and UPS have been hit by the downturn. The Deutsche Post unit DHL closed its American domestic service in January, citing the economic slump and its inability to compete in a market dominated by FedEx and UPS.

Shares of FedEx rose 4.76 percent, or $2.05, to $45.10.
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Millions of Americans are discovering talk isn’t cheap

6:48 PM

Millions of Americans are discovering talk isn’t cheap, at least on their mobile phones.

As the recession deepens, as many as 60 million Americans are cutting cellphone costs, according to a study published Thursday by the New Millennium Research Corporation.

“The true era of cellphone penny-pinching is here,” said Allen Hepner, a scholar with the New Millennium Research Council, in a conference call Thursday.

The survey, which polled 2,005 adults over the age of 18 by phone in early March, found that 39 percent of Americans with traditional, or contract-based cellphone plans were likely to downgrade their cellphone plans to save money. The study also found that 26 percent of consumers with a traditional cellphone plan were considering switching to prepaid and pay-as-you-go cellphone plans due to job losses and concerns about the tumultuous economy.

“A potentially major shift in consumer habits, at the expense of contract-based cellphone service, is underway,” said Graham Hueber, a senior researcher at the Opinion Research Center, a national polling firm that conducted the survey.

About 15 percent of cellphone users in the U.S have already cut back on expensive features and plans because of financial concerns, Mr. Hueber said.

As I reported last month, pay-as-you-go phones are winning over recession-battered consumers looking to cut costs and avoid the lengthy contracts and billing surprises that come with traditional cellphone plans. As prepaid carriers begin offering smartphones and other sleek handsets, the leap from contract to pay-as-you-go may become even more appealing for cellphone users.

The report comes at a time when major wireless carriers are facing considerable hurdles as they struggle to continue growing their subscriber bases.
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7 poin berharga untuk Dompet yang Tipis

5:37 AM

Dalam buku fenomenalnya yang berjudul The Richest Man In Babylon, George S. Clason memberi pelajaran-pelajaran berharga dalam hal keuangan.
Salah satu bab yang layak untuk saya bagi pada Anda ada pada halaman 35, di mana Clason memberi tujuh poin berharga yang ia sebut sebagai “Seven Cures for A Lean Purse” atau “Tujuh Obat untuk Dompet yang Tipis”.
Apa saja ketujuh obat tersebut?
Sebenarnya tips berikut hampir sama dengan apa yang disebutkan oleh Robert Allen, tapi ada beberapa perbedaan - dan yang ini lebih original, karena Clason lebih dahulu menulis tentangnya.

Berikut saya beri ringkasannya untuk Anda :

Obat #1: Simpan 10% dari Penghasilan Anda
Mungkin Anda sering mendengar prinsip ini. Artinya, prinsip ini memang berhasil jika diterapkan :) Anda harus menyimpan 10% dari penghasilan Anda untuk diri sendiri. Jangan berikan 10% tersebut pada saya, penjual mobil, supir taksi, tukang bakso, dan lain lain. Sebagai gantinya, Anda bisa menggunakan 90% dari pendapatan Anda untuk itu semua.

Obat #2: Kendalikan Pengeluaran Anda
Jika Anda bertanya, “bagaimana jika saya tak punya cukup uang untuk ditabung?” Clason memberi jawabannya pada obat kedua: Anda harus membedakan antara keinginan dan kebutuhan.
Dalam bukunya, Clason menyebutkan bahwa apakah seseorang itu penghasilannya tinggi atau rendah, semuanya bisa memiliki dompet yang sama-sama kosong. Karena itu, masalahnya ada pada mengendalikan pengeluaran secara bijak.

Obat #3: Lipat Gandakan Penghasilan Anda
Menyimpan 10% saja tidak cukup. Anda juga perlu melipatgandakan atau meningkatkan pendapatkan Anda. Anda bisa melakukannya dengan melakukan investasi pada bisnis yang Anda suka. Mungkin saja investasi deposito, real estate, bisnis afiliasi, atau hal-hal lain yang mampu Anda lakukan. Intinya adalah, Anda harus memiliki pemasukan yang terus mengalir.

Obat #4: Jaga Uang Anda
Jangan biarkan hasil kerja keras Anda hilang begitu saja. Jika Anda ingin meminjamkan uang, pastikan bahwa orang yang akan Anda pinjami mampu membayar hutang tersebut. Kemudian, jika Anda ingin melakukan kerjasama bisnis dengan orang lain, pastikan ia tahu apa yang ia lakukan. Artinya, jangan bekerjasama dengan orang yang salah atau tidak ahli dalam bidangnya.

Oh ya...dalam salah satu eBook saya, Aturan-Aturan Emas Sukses Finansial, Anda juga dapat menemukan konsep ini. Kunjungi financing-strategies jika Anda ingin melihat konsep-konsep lain.

Obat #5: Buat Rumah Anda Sebagai Investasi yang Menguntungkan
Clason merekomendasikan Anda untuk memiliki rumah sendiri. Rumah Anda adalah harta yang berharga, yang bisa memberi perlindungan untuk Anda, keluarga, dan juga harta Anda yang lain. Jadi, buatlah rumah Anda sebagai investasi yang berharga, sehingga rumah tersebut dapat memberi Anda kenyamanan dan rasa percaya diri dalam usaha Anda.

Obat #6: Amankan Masa Depan Anda
Amankan masa depan Anda sehingga Anda dan keluarga mendapat perlindungan finansial di masa depan. Lakukan yang terbaik pada hari ini untuk mempersiapkan segala kebutuhan masa depan.

Obat #7: Tingkatkan Kemampuan Anda untuk Mencari Uang
Jangan pernah berhenti belajar, selalu tingkatkan keahlian dan pengetahuan Anda dalam bidang Anda saat ini. Dengan begitu, maka pendapatkan Anda juga bisa meningkat, karena Anda akan berkembang menjadi orang yang lebih bijaksana, dan Anda juga akan mampu untuk bekerja dengan lebih baik dalam bidang Anda saat ini. Saya percaya Anda telah melakukannya, karena Anda sedang membaca artikel ini :)

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6:54 PM
Motorola MC5590
Enlarge picture
Motorola has recently announced the introduction of yet another line of devices that fits into the company's EDA (Enterprise Digital Assistants) family, the MC55. The new business handhelds come with Windows Mobile 6.1 and have been rugged so as to be able to withstand drops on the floor or accidental spills of fluids.
Among the devices included in the line we can spot the MC5590, a product that features Wi-Fi connectivity, as well as VoIP capabilities. In addition, it is also reported to include a 2.5G GSM modem, which is able to work on both AT&T and T-Mobile networks. The device should be already familiar to users, as it has already been on sale for quite a while now.

The MC5574 is another handset that comes with the new Motorola line, which is a new device. This product, as is the case with the MC5590, features a QWERTY keyboard, with models that have been specifically designed for Germany or France. At the same time, it seems that the handset can also be packed with a laser bar code scanner or a 2D one, as well as with a 2-megapixel color camera with a bar code scanner.

Motorola MC5574
Enlarge picture
The devices are powered by 520 Mhz processors and sport a 3.5" touchscreen that can deliver a 320x240 pixel resolution. In addition, they also include a MicroSD memory card slot and Bluetooth connectivity, and can provide users with about six hours of talk time. Moreover, the company also offers a comprehensive service and support package that covers accidental breakage.

Furthermore, Motorola's EDA line includes the MC75, MC70, MC9090 and MC35, and now the MC55 handsets. The new devices are more affordable than MC75, which is the top of the line, yet they do not feature 3G capabilities or the VGA screen available on MC75. At the same time, the new products seem to be faster than the MC35, which is cheaper.

The MC55 is priced at $1695-$2035, yet the device is expected to cost much less, given the fact that it is usually sold as part of large enterprise bulk purchase deals, with high discounts. The company has announced that the full line will start shipping by the end of the month.
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12:49 AM
House of Three Joins The Scrapblog Marketplace
The gals from House of Three have hung up their sign in the Scrapblog
Marketplace. Kick up the creativity of your Scrapblog pages by using their super
chic content. These stickers and backgrounds will beg to be used over and over
again in your scrapblogs.

See Them In Action!
Here is just one of many examples of how you can use the various stickers and backgrounds that House of Three offers...

Their Style, Your Creativity
House of Three brings product innovation and excitement that is perfect for creating cards, books and keepsakes that will impress your friends and family. Below are just a few of their super cool stickers, but there are many more available in the Marketplace.

Who is House of Three?
House of Three is an amazing trio of some of the most creative designers in the industry; Heidi Swapp, Rhonna Farrer, and Janet Hopkins. Each designer brings their own unique style to produce innovative art that will spark your imagination.

How do these artists feel about joining the Scrapblog Marketplace?

Rhonna Farrer - "We are so excited to be a part of Scrapblog's amazing Marketplace! Combining the House of Three flair with the ease of Scrapblog is a creative paradise! The House of Three store is filled with coordinating papers and unique stickers to create scrapbook pages, cards & books. Be sure to check out the "inked" or "sanded" edges on your photos for a totally unique and cool touch to your own Scrapblog!"

Janet Hopkins - "Being a part of the Scrapblog Marketplace is such an exciting opportunity for us to really show what House of Three is all about. Our uniquely fresh design style allows the Scrapblog users endless possibilities for all their creative go and check out all of the fabulous goodies that the House of Three store has to offer. You will be glad you did!"
Heidi Swapp - "Wooohooo!! we are so thrilled that our Scrapblog Marketplace is good to go! We can't wait to get creating and sharing at Scrapblog! We think that Scrapblog ROCKS... and we are totally excited to be a part of it!"
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What's Your Problem?

12:44 AM
Good evening guys,
Yesterday, insurance giant AIG announced a $62 billion loss for the fourth quarter of 2008. 62 BILLION DOLLARS! That's more than Bill Gates' net worth. It would pay A-Rod's salary 2,200 times. To lose $62 billion yourself, you'd have to spend $1 million every day for the next 169 years. AIG managed to do it in just 92 days.
Losses like these cause problems that are going to take a long time to solve. It's easy to poke fun, but failures like AIG have resulted in shrinking stock values and over 2 million job losses in just a few months. With unemployment reaching record numbers, staying employed is going to be a big problem for most people reading this for the next 12-18 months.

See 9 Tips to Survive the 2009 Recession
One of our tips is that you should get certified now. Even if you have a job, updating your resume now will help you bounce back if the worst happens. Right now, PrepLogic has an MCSE training program that can help. I won't go into all the details, our people on the phone can do that better than I can. But it amounts to this; you get complete training for three specialized MCSE certifications, the most valued certification in the industry. And we pay the $125 price for all 10 exams you have to take.

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Compared to other industries, IT has fared well. The March 3 broadcast of CNN Newsroom had a feature called "Who's Hiring?" They reported that "Information Technology Management Specialist" is the #5 Occupation in Demand according to There's still strong demand for your skills. But as this recession advances, there is going to be more competition. Both from within the industry, and from the millions of unemployed people who've gotten wind that IT is hiring.
Maybe you've been lucky, only taken a dent to your 401K. Still, the truth is that no job is truly secure this year. Take some time and consider your credentials. Will they stand up to scrutiny? If you're not sure that they will or have any questions about this, give us a call at 1-800-418-6789.

Have a good night,
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The Crisis Of Confidence

12:36 AM
By Colin TwiggsMarch 3, 2009 8:00 p.m. ET (12:00 midday AET)

These extracts from my trading diary are for educational purposes and should not be interpreted as investment or trading advice. Full terms and conditions can be found at Terms of Use.
The key to economic recovery is consumer confidence. As discussed in last week's Shoveling Dollars Into A Bottomless Pit, we are experiencing a crisis of confidence in the financial system. Consumers are not going to revert to normal consumption patterns until their faith in the system is restored. We need to monitor this closely. The best indicators of consumer confidence levels are confidence surveys, retail sales, housing affordability (a combination of prices, mortgage rates, employment and incomes), manufacturing levels, and unemployment.
Confidence Levels
Consumer confidence as measured by the Conference Board is at an all-time low since the start of the series in 1997, while Consumer sentiment is testing the low of 50 from 1981. No sign of a recovery at present.

Retail Sales
The drop in retail sales is the most severe, percentage wise, since the early 1980s. A fall to $150 million would equate, roughly, to the early 1980s twin recessions.
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Get the minimum risk in your tax returns

11:58 PM

Find the easiest way to understand deferred tax’s concept and calculation

Pengisian SPT Tahunan PPh WP Badan, PPh Pasal 21 & WP Orang Pribadi dan Manajemen Risiko Perpajakannya

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Siklus tahunan ini tidak boleh diabaikan karena akan setiap SPT selalu
risiko perpajakan di masa mendatang
“ Get the minimum risk in your tax returns ”
- Software Penghitungan dan Pengisian SPT Tahunan PPh Pasal 21
- Software Tax Link- Dapatkan Doorprize Menarik
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Waktu: Senin-Selasa, 23 - 24 Maret 2009, Pkl 08.00 – 16.30 WIB
Tempat: Hotel InterContinental Jakarta Mid Plaza, Ruang Lotus (lt.3),
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Biaya peserta: Rp. 2.000.000/peserta
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BI cuts 50bps in line with our expectation

11:51 PM

BI cuts 50bps in line with our expectation

  • BI cut policy rates by 50bps, in line with our expectations but more than the 25bps that consensus was expecting.
  • Despite renewed IDR volatility on global risk aversion, we think the growing downside risks to Indonesia's economic activity, as shown by the recent collapse in motorcycle/vehicle sales and much worse than expected export and import growth readings, and easing inflation (8.6% in February) prompted Bank Indonesia to push for another 50bps cut.
  • The accompanying comments look dovish to us, with BI saying that they expect annual inflation to be at the low-end of their 5%-7% range - we are forecasting 6% average this year - and though they expect growth to be at 4%, they see "quite big downside" to its real GDP growth estimate (we are forecasting 3.5% growth this year on expectation of a sharper slowdown in domestic demand).
  • We expect BI will continue to ease towards a terminal BI rate of 7% this year, though downside risks to inflation trends this year could test the policy rate even lower. While we expected that the current 50bps cut will be the last one before they switch to 25bps increments of cuts, the worse-than-expected global backdrop and accompanying dovish statements could tilt BI to frontload the rate cuts and go for another 50bps in April.
    We think BI's view that the pass-thru of IDR volatility on inflation has eased, as well as the country's improved external liquidity position following the US$3bn sovereign bond deal likely emboldened a relatively aggressive easing stance.
  • We don't think the 50bps cut will have a huge impact on IDR spot given that market consensus was not particularly overwhelming, with a few people in the market expecting 50bps as well, and BI has been capping IDR weakness, and should have greater FX reserve ammunition following
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Behind The Success Story of Royston James Associates

11:29 PM

James Nicholls
There are the strong linkages between personality and company reputation and its identified ways to improve and protect both. Most of us would agree that personality reputation are the guardians of company reputation. A good company reputation comes from a good personalty reputation.
James Nicholls is the Founder and Director of Royston James Associates, a Head-Hunting and Recruitment specialist working alongside the Top 100 Agencies and High Profile End Users across the Digital Marketing Sphere. At his middle age he run a dedicated team of high calibre and experienced recruitment consultants.

Having its headquartered in Surrey, between London and Gatwick, Royston James Associates delivery capability reaches across the UK and Europe, enabling the identification of local resource and market expertise wherever possible. He realize that both clients and candidates are his lifeblood and he believe the company exist to provide that necessary link between untapped resource and quality client requirement. Royston James Associates aim is to facilitate this process with all parties involved, with the minimum of aggravation, whilst maximising the return on time and money invested. This opportunities used by James and makes the company is different from other agents.

His success story of founding Royston James Associates is not far from his life story. Having 13 GCSES A-B, 3 A-Levels A-C, BA Honours in Chemistry and Business at Kingston University and Computer People from Varioys Winners Trips at Top 10 Sales Person. James has worked in various company within recruitment, IT and marketing recruitment. His working experience added with his qualification lead him make Royston James Associates and want to service the market in the correct way through it.

Behind his professional side, James is a passionate individual that likes to experience what life has to offer in any form. Being successful is very important to him as it is in his family, but achievement is paramount to just making money. Balance life by become a relaxed individual and likes to see the best in people, which is not always possible across the business world.

In his leisure time, James like sports much whether it be watching or participating. He would like to travel extensively and experience everything that different cultures have to offer. New cultures and ways of living interest him and he likes to take positives from as many areas as possible. He feels the world is a big place and there is so much to see.

James inspiring us how to be a successful people by learning and hard working. People would be admire him because his good reputation in running company and his personality as well because reputation is important that tell us the story.
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The Best Online of Medical Assistant School

8:23 PM
Nowadays there are numbers of educational institutions all over the world which offer medical programs. Market indicates career in medical industry is one of the most wanted career fields. United States Department of Labor reported that Medical employment is projected to grow much faster than average, ranking medical assisting among the fastest growing occupations over the next decade.

St. Agustine School of Medical Assistants offering their best formal training online programs with nationally accredited and certified designed by expert health care professionals. Their simple online registration form and tuition payment modality is also tuned for our convenience. Medical Assistant program registration is only a few clicks away!

Online Medical Assistant Classes: Medical Terminology, Human Body Planes, Basic Human Anatomy and Physiology, Medical Office Professionalism, Patient Communication, Medical Records, Basic Medical Law, Scheduling Appointments, Medical Billing and Insurance Claims, Infection Control, Surgical Instruments, Emergency Care, Clinical Equipment, Patient History and Physicals, EKG and Lab Testing, Specimen Collection and Lab Safety, Introduction to Patient Medications.

Online Medical Assistant Clinical Labs: Virtual Phlebotomy Lab (Collecting a Blood Sample), Virtual Injection Lab , Medication injections, Measuring A Pulse, Introduction to CPR and Basic Ultrasound.

St. Agustine Medical Assistant School is very convenient. Just enroll online, attend online classes at our convenience, take the online medical assistant exam at the end of the program and earn the certificate in as little as 6-8 weeks.

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