The relatively recent phenomenon of the payday loan has caused much heartache and suffering for millions of hard-working people in the UK. The problem has grown over time because of the banking crisis and the consequential downturn in the economy. Faced with the prospect of balancing their books, traditional banks and financial institutions have ...
Keep Reading
Negotiation Starts When You Ask a Question!
When you ask a question, you are negotiating! Negotiation is a dialogue between two or more people or parties intended to reach an understanding, resolve point of difference or gain advantage in outcome of dialogue, to produce an agreement upon courses of action, to bargain for individual or collective advantage. Don’t you negotiate all the time ...
Keep Reading
How is your Retirement Savings?
Do you have enough saved for retirement? It should be no surprise than too many Americans have not put enough aside for retirement. So much has been written about baby boomers and retirement, but I recently read a Los Angeles Times article how it is not limited to them. 10,000 baby boomers turn 65 years old every day and will for the next ...
Keep Reading
4 Decisions that Will Cost You a Fortune!
As I get old(er), I tend to reflect on my decisions more often. It is one of the ways I learn to make better decisions and learn from my mistakes. Yes, I make mistakes! If you are making decisions, you make mistakes. No one bats a thousand! You cannot avoid making mistakes, but you should make more good decisions than bad ones. Especially the ...
Keep Reading
Too Young to Retire!
Too young to retire and too old to get a job! There are many people in their forties and fifties that feel that way. They lost their jobs in the recession and cannot find another one. They already exhausted their unemployment and have given up. That’s right, they stopped looking! They do not have the savings they should have and they gave up. ...
Keep Reading
How to Become Minimum Wage Millionaire
Can you earn minimum wage and still become a millionaire? The short answer is yes! I am sure you have heard of so called poor people becoming millionaires, although not overnight. I am not talking about professional athletes, entertainers or lottery winners. I am talking about everyday people earning very little money and over time become ...
Keep Reading
The Best Balance Transfer Credit Cards of Q2 2013
It’s tax season and that probably means you have your finances front and center in your mind. The deadline for filing your taxes just passed and you won’t have to worry about them for another year. However, since you’ve been thinking about your finances, now is a good time to take a look at your credit card situation. Do you have credit card debt? ...
Keep Reading
10 Things You Don’t Know
What you don’t know could fill books! It takes years and maturity to realize what you don’t know. I know because I have the (66 years old to be exact) years and maturity (just based on my age). Seriously, figuring out what you don’t know is real important and it should happen sooner rather than later. Did you figure it out yet? No problem, I ...
Keep Reading
How to Use Credit Cards Responsibly
Too many people have credit card debt! As of December, 2011, according to Capital One there was $801 billion total U.S. revolving debt. 98% is credit card debt! The total U.S. consumer debt is $2.5 trillion as of December 2011. The average credit card debt per household with credit card debt is $15,799. Just about everyone has a credit card ...
Keep Reading
Progress Is Never a Straight Line!
Progress is forward movement toward a destination or goal. In education, changes are made often and the results are mixed! Have test scores increased from the changes? If they did, that would be progress. We need progress in everything we do. Business and your personal life are based on achieving goals. How can you become more effective? ...
Keep Reading