Small business owners are always looking for the most economical way to run their companies. After all, profitability depends on maximizing revenue and minimizing operating expenses; pursuing one without the other is counterproductive. So, entrepreneurs are always seeking out ways they can cut costs without cutting the quality of work they’re doing. It might be […]
Do You Have the Right Type of Life Insurance?
Adults who want to buy life insurance have a lot of options. Depending on your needs, you can select from at least a half-dozen different kinds of policies. Sometimes it’s said that there are just three types of life insurance, but in reality, there are at least a dozen different variations and combinations of the […]
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What Are Personal Loans and Why Do People to Take Them Out?
Millions of people take on debt every year. As a matter of fact, no matter which age group you’re in, chances are you have at least $10,000 in debt weighing against your net worth. With all of this tough talk against debt that you hear in the news today, it’s a wonder why anybody takes […]
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How to Plan a Day in NYC on a Budget
Heading to the Big Apple? Well, it’s notorious for being one of the most expensive cities in the world, and certainly the most expensive city to visit in the US. Here are some tips for planning a day in NYC on a budget without worrying about money. Getting Around New York cabs are expensive, so […]
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Smartphone Theft: How to Deter Thieves and Protect Your Data
In a world where smartphones have become an integral part of our working and social lives, the threat of smartphone theft has been getting greater and greater. According to Consumer Reports National Research Center, 2.1 Million cell phones were stolen in the U.S. last year with another 3.1 Million cell phones reported as being lost. Theft […]
Proven Strategies to Build a More Resilient Business
While a lot is said about business resilience and continuity planning, and the importance of a company being agile and responsive; in the end it all boils down to one simple goal – being able to continue to serve your customers even when times get tough. Business resilience is about rolling with the punches and […]
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How Poor Money Management Can Ruin Your Chance to Build Wealth
You’ve probably heard of the saying, ‘earn like the rich and spend like the poor.’ The rich remain rich by spending like the poor while the poor stay poor because they try to emulate lavish lifestyles. Money management is crucial for both low and high income earners. According to author Elizabeth Warren’s 50/20/30 budget rule, […]
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Money Saving Tips: This Home buying Mistake Can Cost You Thousands
Buying a home in the winter? Ask for an escrow account for seasonal repairs. Buying a home in the middle of winter may seem like a mistake. After all, who wants to trudge through the cold looking at homes? There are typically less buyers in the winter months and that means sellers are often motivated […]
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How a Good Credit Score Can Help You Reach Life’s Milestones
Life is full of ups and downs but While having a good credit score can’t lessen the impact of every difficulty, it certainly can help make reaching your financial goals easier. So how much does bad credit cost you? Bad credit can literally cost you thousands of dollars over the long-term in higher interest charges, […]
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The Hidden Costs of Owning a Home
Owning a Home – Investment or Expense? Owning a home has long been the American Dream. A recent survey by the National Association of Homebuilders (NAHB) uncovered that 75% of Americans still believe that owning a home is the best long-term investment they can make. According to a recent report by CoreLogic, negative equity peaked […]
A Time of Need: Some Easy Debt Management Strategies
Each year, Americans pay more than $100 billion in credit card interest and fees. That money does not touch the debt itself, so the interest and fees keep coming. Such high-interest indebtedness is very convenient. All you have to do is swipe the card. Over the long term, however, such payments simply are not sustainable. […]
How to Buy Life Insurance without a 2 Year Waiting Period
Out of convenience, most people prefer getting life insurance covers either through their phones or internet. These people do not want to go over long application process that takes weeks and sometimes months to complete. Unfortunately, most of those policies come with graded benefits until after 2 years when beneficiaries can get the entire face […]
Ten Quick Ways to Save Money on School Supplies
Whether you’re buying for yourself or for your kids, it’s no secret that school supplies often end up costing a small fortune. It’s a necessary expense, but one that doesn’t need to be as expensive as you may thing. If you want to save money on the things you would normally buy, all you need […]
Is Cryptocurrency Ready to Join the Global Economy?
In the past few days, followers of cryptocurrency (as an interesting subject and as an investment) have received notice from observers indicating the most recognizable name in the field is making a recovery. According to these reports, Bitcoin is back after hitting a long-term low in value. The reason for this rebound seems to be […]
Applying for a Car Loan? Here’s How to Lower Your Auto Costs
Americans love their automobiles and are willing to use financing in record amounts to acquire them. Roughly 85% of Americans who purchased a new car in the last six months used financing, either a lease or a car loan. Buying a car is typically the second largest purchase behind a home for most people and […]
Buy, Lease, or Subscribe: Which Auto Option is Best Suited to Your Needs?
What’s your dream car? Mine is a 1988 Porsche 911. When you’re thinking about your new ride, you’re more than likely just imagining yourself behind the wheel. But how are you going to make it happen? Do you see yourself in this car for as long as you can fathom, or is it […]
4 Ways to Fix Your Finances
Regardless of the rhetoric that you often hear, for most people, the amount of money in the bank is not completely unrelated to happiness. While the relationship is not necessarily direct, and more money does not necessarily translate to more happiness, studies indeed suggest a correlation. According to the research, there appears to be an […]
How to Reduce Your Household Electric Bill
Cutting Electricity Used in the Home Lowering the monthly utility bill is a goal for every homeowner unfortunately for many of us it is not always easy to know what steps to take to lower energy usage. By following these suggestions you can make a smaller electric bill a reality. Plant Deciduous Trees for Shade […]
How Couples are Saving Money on Car Insurance
Marriage offers a slew of benefits, many of which are difficult to quantify. Married couples have access to one another in the hospital at all times and can make vital medical decisions. Spouses can receive Social Security, Medicare, disability, and other benefits, and they automatically receive part of their partner’s estate if they pass away. […]
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Tips for Managing Your Forex Trades Like a Pro Trader
Every trader wants to become successful in the Forex trading business. You might have extensive knowledge about this trading industry but without having proper control over the trades, you are most likely to lose money. The experienced traders often consider trade management skills as the most important part of the trading business. If you want […]
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7 Customer Service Tips for Business Strategy Success
Your customers form the backbone of your business. Because of them, your business grows. That’s why you need excellent customer service. It builds customer loyalty, improves customer retention and assists your long-term growth and success. As part of your successful business strategy, implement seven customer service tips today. Meet Needs In an effort to achieve […]
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