Friday, December 21, 2007

Gift Credit Cards

gift credit cards
The most majestic holiday of the year is around the corner, and crowds of people rush into the malls in order to buy various presents for their relatives, neighbors colleagues, and friends. Gift credit cards could be an excellent Christmas present among all variants.
No doubt, the best credit card gives you an opportunity to save your money and reduce your spendings during Christmas time.
Gift cards are becoming more sought after than ever before. It is estimated that gift card sales will amount to $26.3 billion this holiday, compared to $24.8 billion last year. Just imagine that gift cards are the best present for people who long to pamper themselves with new purchases.
Select one of the exclusive gift credit cards for your relatives or friends. A personal private message will make this gift special for the recipient. Moreover, gift plastics can be used for online purchases as well. That's surely an excellent option for those who lead a busy life.

Friday, December 7, 2007

New Ideas for Money Making

money making
I suggest you some businesses. Think and go ahead!
  • Search dog service
  • Locator phones
  • A locator system for blind people
  • Parasailing in the desert
  • Sell lests
  • Boom boxes for bicycles

Wednesday, December 5, 2007

Some News

Today I have found an interesting article at It is called "Protect Yourself from the Dollar Drop". What do you think of it? Can it really help?

Monday, December 3, 2007

Stop Paying Your Bills On-Time!

paying bills

How many of you have been taught the best way to protect your credit is to always pay your bills on time?

We all have. It’s common sense.

I still remember the little chat my Dad had with me about credit when I was about 18 and got my first Montgomery Wards card. He said,

“Tom, credit can be a great thing; but make sure you always pay your bills on time or you're going to regret it."

What if I told you just “paying your bills on-time” was hurting your credit score? It’s true. Let me explain.

Credit card companies want you to have bad credit. If you have bad credit, they have control. If you have bad credit, they now have the justification (at least in their minds) to give you the worst possible interest rates; and interest is where they make their money.

That being said, they employ all kinds of scumbag tricks to help you - give them the excuse they need to jack your rates up.

Just paying your bills on time is one of them. Here’s how it works.

Most credit card companies report to the credit bureaus about the same day they mail you your bill. You’re were dead before you even got the bill. Still don’t get it? Keep reading.

Your credit score is based on several factors. The second highest factor (30 percent) is your credit card balances. And that my friends, is one of the ways they get you.

Let me give you an example…

Let’s say it’s the 1st. of the month and you use $4,000.00 of an $8,000.00 credit limit. You’re not worried; you know your bill will arrive on the 15th. at which time you’ll have the money to pay-it-off in full.

Well, it’s already reported to the bureaus; $4000.00 and all. That’s because they reported it right before they even mailed you the bill. You never had a chance.

That’s 50 percent utilization, which we all know is bad. You should keep your balances below 10 percent. I guarantee you, 50 percent is dragging your score down.

Here’s where it gets worse. We’ve monitored thousands and thousands of credit reports; as well as the spending habits of our clients. 9 out of 10 people will go use their cards again right after paying them off.

If you’re thinking to yourself “then my balances will always look maxed”, you’d be right. Use that card right after paying your bill “on time”, guess what happens the next statement date?

It’s a vicious cycle that is sent into motion on purpose by credit card companies.

Here’s the good news. The solution is simple.

Call your credit card companies and find out their reporting date. Don’t wait for your bills to arrive, make sure that check is in their greedy little hands BEFORE they report.

Now, you’ve turned that that ugly little cycle into a positive. They will be reporting paid off cards every month.

Sunday, November 25, 2007

Hire the Right People

right people

Hiring people is the most challenging and biggest decision a business person has to make. This is even more topical problem for business owners starting new companies.
When hiring people, you may follow two ways:

  1. Build a core, passionate team
  2. Or don't
Very few people would admit to choosing #2 as an approach, but lots of companies do exactly that — they hire for reasons other than passion and fit. How many companies start with salary as the key decision point for hiring someone?

Companies don’t put enough stock in the importance of building a real team; they focus on getting people on board with the right qualifications at the right price and that’s it. It’s an easy trap to fall into because it’s an easier way to hire. And when your company is growing fast and doing well, and you’ve got more work than you know what to do with, to heck with building a core team…you need warm bodies at desks!

The end result of building a team without really thinking about the team is usually not a good one. Higher turnover. Dissatisfaction at work. Lower productivity.

A core team of passionate, true believers will always go the extra mile for each other and by extension the company they work for. People will stay at jobs they dislike if they love the team.

The problem with hiring the right people is that it takes a lot longer. You have to be prepared to invest a good chunk of time in the process — finding candidates, interviewing them, testing them, trying them out — it’s more akin to dating than anything else; there’s a dating dance or ritual that has to take place.

But the payoff is enormous. This is especially true for startups - those first few hires are going to be key ones. Those people are practically partners. You need them to stick it out through thick and thin, and be as devoted as possible. You need them to create the culture and spirit for future hires. You need them evangelizing the business. You need them taking ownership. You need them to be the driving force of success.

It’s a tall order, which is why you need to invest the time, thought and energy into hiring people properly. And you always need to focus on building a great team, not a bunch of people connected together by the fact that they work in the same office.

Thursday, November 22, 2007

To Avoid the Credit Card Debt Trap

credit card debt
What is the largest reason why so many people go into debt every day? I guess, credit card debt. We use credit cards for everything. Unfortunately, plastics come with fees and interests still. But there are ways to avoid debt trap.
Firstly, you should keep your plastics to a limited number. Most people have problems because they have too many cards. If you want to have a credit card that you can use everywhere, try a MasterCard, American Express, or Visacard which are all used everywhere.
Also avoid making any purchases during peak buying seasons, for example, Christmas. Credit issuers charge you more interest in such periods.
Another step is to limit what you use you plastics for. There are no reasons why you should be using your card to make daily purchases like groceries. If you prefer not carry cash around you can get yourself a debit card which works the same as a credit card, however, it is direct cash purchases. You are not charge often times to use these and you are using cash to make your purchases. Keeping your credit card debts under control is not easy for some people but you can all learn to avoid the many pitfalls that you all get used to falling into.
Finally if you find that you simply cannot control your credit card spending then you may have to opt for the most difficult step of all, putting your credit cards on ice for a while. That will mean a change in lifestyle and spending habits but if the hole from credit card debts is getting too deep then you just might have to stop digging.
Check out some useful links:
Best guaranteed unsecured credit card for those with bad credit
Get a secure credit card with bad credit
Guaranteed approval uk credit cards
Top up credit card
Best credit card companies for people with bad credit
Et credit card to restore my credit
Www.cross country bank credit application

Friday, November 9, 2007

15 Reasons to Create a Business Plan

business plan
  1. Grow your existing business
  2. Back up a business loan application
  3. Seek investment for a business, whether it's a startup or not
  4. Create a new business
  5. Valuation of the business for formal transactions related to divorce, inheritance, estate planning and tax issues
  6. Sell your business
  7. Deal with professionals
  8. Develop new business alliances
  9. Share and explain business objectives with your management team, employees and new hires
  10. Decide whether you need new assets, how many, and whether to buy or lease them
  11. Hire new people
  12. Decide whether or not to rent new space
  13. Deal with displacement
  14. Share your strategy, priorities and specific action points with your spouse, partner or significant other
  15. Set specific objectives for managers

Monday, October 29, 2007

Dedicated to Women

feng shui

I know most women love Feng Shui. Surely, there are men who like this discipline too. But I didn't. May be I am too sceptical about such things that I do not believe in them. However, I would like to share one interesting appeal with you. My wife tells it is helpful :) You can test by yourself.

Light's Treasures

Fortuna! Goddess of Supply
Of all God's wealth from realms on high
Release thy treasures from the Sun
And now bestow on everyone

Whose heart beats one with God's own light
The power to draw from heavens's height
Abundance to expand the plan
The masters hold for every man

Attune our consciousness with thee
Expand our vision now to see
That opulence is meant for all
Who look to God and make the call.

We now demand. We do command
Abundant manna from God's hand
That now below as is Above
All mankind shall express God's love!

Friday, October 26, 2007

Ten Steps to Getting Your Business Off the Ground

  1. Start right now. Begin by skimming magazines and newspapers for business ideas. Think about the environment you want to work in, the types of people you want to be around, and your ideal work day.
  2. Think about what you do best. Sit down, relax, and make a list of interests, hobbies, and skills that you really enjoy. It will help you to be successful in future.
  3. Ask friends for ideas.
  4. Look through web resources. Start at Google, and visit sites left and right -- to get ideas on how others are trying to make a living doing things that interest you.
  5. Look for inspiration everywhere. Check out books, ask the librarian about trade associations and journals where you can learn about trends, suppliers, colleagues, and competitors.
  6. Think about what you want from your business. Do you want it to stay small, or are you hoping for a full-time enterprise? How much income will be enough to keep you interested and motivated? Do you have the requisite skills? What’s the market outlook? How about the competition?
  7. Fine-tune your research. Maybe your hobby is knitting and you’d like to turn it into a business -- but how? That’s what you have to research next. Look in knitting magazines to see how others are making money. Visit yarn, craft, and specialty stores.
  8. Test the waters. Find out if there’s a market and if you enjoy the work before you spend a fortune or burn yourself out.
  9. Check your credit. If you do not have enough money to start a business and your FICO score is good or excellent, consider business credit cards that can help you to start today.
  10. Start out on the right foot. Make a few phone calls to save yourself a lot of grief:
  • Call the IRS (800-829-1040) to see if you need a federal tax ID number.
  • Call your county clerk and state sales tax department to see if you need to deal with things like zoning, licenses, sales tax, and permits.
  • Verify that your insurance policy will cover the equipment you’ll use in your business and any additional liability you might face should a client slip in your driveway.
  • To save money and reduce the risk of an audit, use a good tax advisor recommended by others who have small businesses of their own. Ask specifically about deductions for: office space, equipment, inventory, supplies, utilities, travel, and publications.

Tuesday, October 23, 2007

First Step

Planning to start earning money, take your time! First of all, you need to find a good teacher. That is not the case that you cannot reckon on yourself. The real reason is different.
You may have as many teachers as you need, in those fields where you are going to work. Look for the one who goldenly acts a part you would like to act too. The one who engages in such business you work for. Firstly, simply try to imitate. Most successful people will help you with great relish! Remember, those who grew rich by fair means are really ready to help you to develop.

Friday, October 19, 2007

Time Has Come for Action

All of us have to deal with money every day. I like a proverb: Money makes the world go around. Even if we do not want to depend on finances, we all are in the great business.
Most people work much to be in tall cotton but in fact, they can't manage their finances wisely and so run round like headless chickens.
According to statistics from New York State Department of Health, by 65 years from every 100 people:
  • 37 have died
  • 53 have been living being in need of family or government sponsoring
  • 5 have been working still, as there are no two ways about it
  • 4 have become well-fixed and withdrawn from business
  • 1 has grown rich
Please, think of these figure.

Thursday, October 18, 2007

I'm Back

Life's like a box of chocolates. You never know what you're gonna get. It is long since I wrote my first post. Although I was going to be here regularly. I have just come from Germany where my daughter lives. I spent two wonderful months with my little Janny and her children. Heh, time has come for working. So, I will write about finances for you. Ok, tomorrow :)

Thursday, August 2, 2007

Getting Started

I'm a newbie to the world of blogging, but it just seemed like so much interesting I had to give it a try. Just to get started, I'll tell you some things about me:
When I was 18, my dad presented me a book. Its name was "Think and Grow Rich". I guess, nowadays everybody knows the name "Napoleon Hill". In a nutshell that book changed my life. Now I own a chain store system and lead a stirring life. I like it, really! I have become financially independent at last! And I have a desire to help all of you. Get it?
I would like to share my experience with you, to help you find ways to wealth. Remember, if you can manage your finance wisely, you won't have problems whether you pile up the rocks or not.