Every good business owner should have a plan for how to spend smart their hard-earned cash for the year. Whether it’s putting more of your cash into hard-line advertising or giving more discounts and promotional offers to your customers, there’s no doubt that you will have to spend on expanding your business and increasing its sales. But before you take the necessary steps to spending for your business, you need to make sure that you have a well-thought-out plan on how much you are really going to spend smart, and for what. In addition, … [Read more...] about How to Spend Smart for Your Business
Archives for December 2014
Financial writers are proponents of caution. And this is a sensible way to be. Most finance blog readers are young enough to set money aside and watch it grow for a long time. But, this method assumes quite a lot about the individual: 1) That you won’t find a better rate of return on your investment through your own study, 2) That you are uncomfortable with bigger-than-average risk and, 3) that you don’t see yourself as your primary investment strategy. Of course, I will always advocate a certain amount of conservativeness in investments, … [Read more...] about Financial Aggression – When it Pays Not to Save
Rob Pivnick, Author “What All Kids (and adults too) Should Know About . . . Saving & Investing” “How’d you get that for free?” “You got a discount on that...how?” To use a cliché, I wish I had a nickel for every time I heard something like that – that would be a real money-making tip. Sometimes, one of those questions is followed up with advice that I should write a book about all my money saving tricks. My response has always been that any book I wrote would just get lost in the sea of other crappy books on how to save money. I … [Read more...] about Discounts – Not Just Another Post On How To Make Money
Earning a Masters of Public Administration offers you the opportunity to become your own boss. In the process of gaining your degree, you'll learn much more than how to communicate with employees and the public. You'll learn how to form limited liability corporations and how to use a trademark to differentiate your brand. And if you don't want to build a company from scratch, there are several jobs in both the public and private sectors where a Masters of Public Administration will boost you to the top. Below are only a few examples of … [Read more...] about How a Master’s in Public Administration Can Help You Run the Show
Debt is hardly unique to many American households, especially when you consider that the average amount of credit card debt per person is $5,000. You add that figure up and multiply it by the number of households, then factor in other debts like loans and store cards and you don’t have to be a math genius to work out that there are a lot of people carrying a debt burden through their lives. When you don’t have access to an emergency fund, credit can quickly become your only safety net. Having a lot of debts in different places can quickly … [Read more...] about Get Wiser and Get Out of Debt for Life
Canadians use energy to heat water, operate appliances and cool, heat and light their homes. Heating and cooling account for much of the total household energy usage, but households can keep your electricity bill check in line over the winter. They also use a great deal of energy for running appliances and other devices. Sources of energy include natural gas (47% of households), electricity (37%), oil, propane and wood. The rising costs of natural gas and electricity as well as their impact on the environment call for householders to curb … [Read more...] about Simple Steps to Keep Energy Bills in Check in Canada
Your retirement account is most likely the most important investment account you’ll ever have. The reality is that we work incredibly hard to retire; spending the vast majority of our lives working and saving so that we can enjoy our golden years. However, in times of geopolitical risk, unrest, and war, several people lose everything they’ve worked for; forcing them to work long into their retirement years. The threat that geopolitical risk and unrest is becoming to retirement investments and how converting your 401k retirement plan and … [Read more...] about Is Geopolitical Risk A Danger To Your Retirement?
My anniversary is coming up soon. And I've stalked my wife on Pinterest looking for gift ideas. Pinterest is the perfect place to find gift ideas for us clueless guys.
And I've found the perfect gift. The problem is that it's expensive. Even eBay (EBAY) is pricey for the designer sunglasses that she wants.
Then a brilliant idea hit me: I should ask the seller on eBay for a discount. The online retailing giant opened a proverbial can of worms when it started allowing sellers to add the "or best offer" option to auction listings. Even … [Read more...] about