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16 Ways to Make Your Business Cards Unforgettable
Every time you hear someone say "May I have one of your business cards?" you should get excited. I know I do. That's because I LOVE my cards. I spent thousands of dollars on printing, several hours on designing and went through 10 different layouts until I got them right. And it was all worth it. A business card is an entrepreneur's best friend, his most valuable marketing tool and an essential element to becoming UNFORGETTABLE. Unfortunately, too many people have business cards t ...
Author: Scott Ginsberg
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Helping Your Baby Develop Character
How Can We Help Children Learn about Character? Children learn about strong character when parents and other adults in their daily lives · set a good example through their own behavior and actions, · set and communicate high standards and clear expectations, · coach them on how to be responsible and kind, and · use literature to reinforce the values of strong character. Set a Good Example We are always teaching our children something by our words and ...
Author: Anil Vij
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Social Insecurity
Just about everything you have been told about Social Security is an obfuscation. That is a big word for convoluted truth or lie. In a recently published obscure government document by the presidential Social Security commission there are two pages that expose the truth. Neither Democrats nor Republicans want you to read this. Shining the light of truth on the weirdness of politicians seldom makes them happy; however, you owe to yourself to know the truth. When they take out from ...
Author: Al Thomas
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Political Investing
We have two candidates for president that have really different ideas on how to make the economy grow. Bush believes in the entrepreneurial approach. People should be allowed to invest in themselves. He even wants to let people have some of the 15% that now goes to the Social Security "trust fund". Folks, there ain't no such thing. All the money the government takes out of your paycheck goes into the general fund and the pols spend it as they choose for "your best interest" provided it ...
Author: Al Thomas
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So You Have A Good Home Business Idea. What's Next?
So, you want to start your home-based business. You have an idea. But do you know where to start???? That?s important to start with the legal aspects of running a home-based business: business registration and taxes. The first thing you should consider is choosing an appropriate form of business. From a legal point of view, there are four types of businesses: - Sole proprietorships (This is the simplest form of business. A sole proprietor directly ...
Author: Arina Nikitina
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Canada Tries to Stop Flow of Drugs into the US
As more and more cities and states set up websites and pass measures to allow for importing price controlled Canadian drugs into the US to control the rising cost of healthcare, Canada is starting to take notice on the impact of such practices on it's government run healthcare system. Canada doesn't like what it sees, and for good reason. Canada has a population of around 30 million and is not set up to handle the volume of medications needed to supply a country like the US with it's aging po ...
Author: Dan Spankie
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Spring Quotations - Top 30 Quotations About Spring Time
- "Is it so small a thing To have enjoy'd the sun, To have lived light in the spring, To have loved, to have thought, to have done..."
-- Matthew Arnold - "In the spring, at the end of the day, you should smell like dirt."
-- Margaret Atwood - "Spring being a tough act to follow, God created June."
-- Al Bernstein - "An optimist is the human personification of spring."
-- Susan J. Bissonette - "Can words describe ...
Author: Danielle Hollister
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Health Savings Accounts
Most people with health insurance, especially employer paid health insurance, really don't know what their health care costs are. Furthermore, in many cases, they are limited in which health providers (doctors, hospitals, pharmacies etc) they can use. Most people are locked into a network of doctors. They know what the co-pay is, but have no idea what the doctor actually charges. When insured consumers are hospitalized, they rarely see the bill. They don't know if the insurance co ...
Author: Christopher Cooper
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Home Mortgage Refinancing - What's in Your Contract?
Are you one of the millions of Americans who will be refinancing their home mortgage loan this year? When you sign your contract and the other papers for your refinance, will you know what your signing? Your Contract: This one is simple, but I would guess very few people do it. READ THE ENTIRE CONTRACT. It seems that usually the home mortgage refinancing contract is written with the preparer pointing out the obvious terms, i.e. sales price, earnest deposit, closing date, inspections, et ...
Author: Scott Stewart
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Stock Loans
Hedge current portfolio positions and gain access to capital resources through loans against free trading, aged affiliate or aged non-affiliate securities. Make proper use of your assets while waiting for performance and hedge your position should the asset move against you. Whether you need to borrow cash for personal or business purposes, these loans against stock can be funded in as few as five business days and are available to insiders, affiliates and common shareholders of publicl ...
Author: Afra AmirSanjari
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Invoice Factoring for Staffing Companies
It is common for staffing firms to face cash challenges during times of growth. Dealing with many different pay cycles, meeting payroll can become difficult. Many staffing firms will turn to payroll funding or factoring to get them though their time of need. While payroll funding is a good option for some staffing firms, factoring offers more flexibility. At a glance, here are some of the differences between Payroll Funding and Factoring a staffing company: PAYROLL FUNDING: ...
Author: Afra AmirSanjari
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Non-conforming Home Loans vs Conforming Loans
The simple definition of a "non-conforming home loan" is: You have a job and can make the payments. Your credit is used only to determine your interest rate and the loan amount to value of the home ratio. This ratio is referred to as your "LTV" or "Loan To Value". There are many lenders who will lend to borrowers who are in foreclosure or who are currently in a bankruptcy. Borrowers who are in these situations often have the worst possible credit. Lenders protect themselves by keeping t ...
Author: Alex Rad
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Real Estate Investors Kick Away $1,000
Those new to real estate investing often fail to take action because they don't have much cash. The truth is that the very best investors got their start when they had little or no money. When you start at the bottom you have to work harder and smarter. You have to make every penny count... and in doing so you learn how to put together the most profitable deals. Right now one of the very best ways for newbies to get started is to buy property buy taking over the payments of an exi ...
Author: Mark Walters
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How To Deal With Change
It is often said that the only things in life that are inevitable are death and taxes. Well, you can add a third item to the things that are inevitable, and that is change. And change is happening faster than at any time in human history. When the Berlin Wall came down and the Worldwide Web went up, the world changed forever. The Industrial Age came to an end and the Communication Age began. If "the good old days" ever did exist, they are gone forever. We are caught up in a perpetual mo ...
Author: Joe Love
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Virtual Assistants, the New Wave of Global Office Support
Does it seem as if your business is running you, instead of you running your business? Do you find yourself spending more time on those daily administrative tasks that eat-up precious time and energy, and wish instead, that you could spend it on the more important aspects of actually running your business? Have you ever dreamed of having an assistant or an administrative support person, but sadly dismissed the idea because you didn't have the space or the resources to hire one? Just imagine h ...
Author: Terry Green
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Estate Agents on the Costa Blanca Spain
Properties for sale or to rent on the Costa Blanca As a general rule of thumb, newly built properties on the Costa Blanca are generally cheaper than existing or re-sale properties - cheaper still if you buy 'off plan' (before the house has been started). Property prices have rocketed here over the last five - ten years and many fortunate people have found that their properties have grown in value enormously even before they had moved in! Even though the market is now leveling out, a pro ...
Author: Karen Milacic
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Do The Hardest Thing First And The Rest Will Be Easy
Have you ever noticed that in life we almost always choose the easy road, the path of least resistance when it comes to challenges in our way? I remember as a kid working in a warehouse, the foreman came up to me when I was complaining about the tough job I had ahead of me at the end of my shift, and said. "You want a secret that will help you not have to deal with that task at the end of the day?" I said "Sure", hoping he was about ready to give me a new assignment. " ...
Author: Greg Reid
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Top Tips for First Time Home Buyers
Advice to Help When You're Buying a Home First time home buyers might feel better to know that they're not the only ones who feel confused about the process of buying a home. Nearly all home buyers feel the same way, even if they've bought a house in the past, because it's easy to forget the home buying steps you took to get there once the event is behind you. Get Educated Before you begin, get educated about the home buying customs where you live. Relatives or friends who l ...
Author: Alex Rad
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Cable TV And Satellite TV - Which Is The Better System?
Cable TV and satellite TV - which is the better system? There's a battle going on between Cable TV and Satellite TV. Today, consumers have a choice between conventional cable TV, digital cable TV, and all-digital satellite TV. Do you want to know which of the TV system is best for you? Lets compare cable TV and satellite TV head-to-head here. First, some general things about Cable TV and Satellite TV: Cable TV & Digital Cable TV It is obvious that the conventional cable TV a ...
Author: Teddy Lc.
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Basic Levels of Consumer Integrity that Presently Permeates Society
Reality is not always pretty. But here is a tad bit of it for you today. Well here is an interesting occurrence that is of interest. And this is in any town middle class USA, mixed races neighborhood, the person in question happened to be white. While standing in line a counter for my turn to order and pay. A lady was talking to what could have been her daughter (teenager) and with her was a young child about 3 or 4, who carried a doll and was messing around with whatever was at her level she ...
Author: Lance Winslow
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Increasing Sales by Using Coupons - Will it Help Your Business?
Increasing Sales by using Coupons. Will it help your business? Well, the Promotional Marketing Association's (PMA) "Coupon Council" shows that 3.8 Billion coupons were redeemed in 2003. Consumers saved over 3 billion dollars. 79% of American's used coupons last year. There are many Coupon Franchises out there with quite a track record. Here are a few of them: Val-Pac; http://www.valpak.com/info/franchise/franchise_faqs_content.jsp. United Coupon Corp. United Marketing Solutions. Adventu ...
Author: Lance Winslow
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California Deparment of Corporations and Franchise Opportunities Law
What CA Needs To Do To Address Issues in Franchising We should not allow anymore degradation of California through incessant over regulations in the franchising sector. No other sector of our economy provides as many jobs as franchising. Some people might say retail, yet over half of all retail jobs are also franchises. Now then; There is a problem in the franchising community with the way the Department of Corporations goes about it's business. First there are only 12 franchise registr ...
Author: Lance Winslow
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Site Selection - Slice of Life, A Car Wash and Detail Center DownTown
There is a continual trend we are seeing which I can remember participating in over a decade ago, when cities were trying to figure out how to increase sales tax revenues when the large box stores outside of town came into nearby or surrounding areas. For instance a big and easy example would be Wal-Mart. Sam was smart and built his stores just outside of town near towns, which drew from neighboring towns of 5,000 or more from three to five directions. If you look at an over lay of Wal-Mart s ...
Author: Lance Winslow
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3D Modeling in Transportation Flows
We need to borrow the technology that the military uses for the Battlefield 4D holographic simulations in the Net-centric Warfare Battlespace and transfer this technology to help the DOT and DHS predict how to keep the distribution systems are moving in our Nation in real-time. We need monitor the movement and keep flows moving under circumstances involving Choke Point breakages in the Highyway and railway systems in case a bridge out, an accident occurs or god forbid we are attacked again by ...
Author: Lance Winslow
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Whatever You Do....Don't Save Money!
No, that's not a misprint. Even though falling interest rates are good when you want to get a loan, they are bad for people with savings accounts. In this economy your best investment, the best place to put your money is into paying off debts. Think of it as investing in your debt because that is exactly what you are doing. If you put $1,000 into a bank savings account earning 2%, at the end of a year you will have $1,020. If you carry a $1,000 balance on a credit card with ...
Author: Leo Quinn
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Expert Virtual Assistants - Their Vital Role in the Success of Speakers and Coaches
Imagine not having to weed through countless emails and phone messages every day. Imagine that all of your follow-up calls and emails are taken care of. Imagine that your teleclasses are managed for you, so that the only thing you have to do is present them. Now imagine that you have a partner, someone who is looking out for the best interest of your business, and eager to support you in making your business a success. More importantly, imagine having all the time you want to do what it is th ...
Author: Donna Toothaker
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Online Buying Guidlines
These days you can order almost anything without ever leaving the comfort of your home. Online stores and auctions are great ways to shop for those hard to find items, and a great way to find deals in the process. As a consumer you need to be aware of the positive and negative aspects of online shopping. Below you'll find our online shopping awareness guide. -First and for most, Know your seller and research who you are buying from. The internet is a great resource. Often you can find c ...
Author: John Parsons
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Slow Down America - Radar Detectors Having A Tough Time Against New Technologies
Many people have a $100.00 radar detector to alert them of speed traps. But realize the authorities are in need of more budget money and they are going to get it from you and I anyway they can. The Tax revenues in many states has dwindled, cities which rely on a contribution of property taxes and sales tax are finding problems in areas which have lost population base or the economies are just doing the best they can locally. This is why you will find states trying to increase their revenues f ...
Author: Lance Winslow
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Small Business and Over Regulation
Over regulation of small business is so intense it is getting hard to make a buck. For my example of the type of over regulation in small business, which turns the American Dream into an American Nightmare, I will use a simple business like a car wash. Partly because I am in the Car Washing Industry and partly because I am very familiar with all the crazy rules. We could pick any business for this topic since over regulation is so common place like Death and Taxes that it is expected. H ...
Author: Lance Winslow
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Demographics of Flagstaff Arizona
So what's up with the Flag? Well after having been reviewing the area we find that the Flag is Fine. Flagstaff has been growing for quite some time since it was named after a pine tree used for a flag pole in 1876 as the travelers come to the top of the mountain on the old trail. Although not as fast as the other mega growth parts of Arizona, it has been holding it's own against the growth of other parts of this great nation. The GMP Gross Metropolitan Product grew about 6.3% during the ...
Author: Lance Winslow
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Twin Falls, Gooding, Jerome, ID, and Regional Economic Outlook for 2005
Twin Falls Economic Report done by me; Twin Falls, ID has potential for additional car washes, Detail Centers and mobile washing units. Twin Falls has enough water in their reservoirs to make it through the Summer for farmers and agriculture industries. Mike BuRec said recently that even if this winter has a snow pack of 20 feet we will not be back to normal levels. American Falls is at only 14% capacity. Palisades is at 12% and Jackson Lake is at 65%, but remember fires take water too. Water ...
Author: Lance Winslow
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Working Capital: Financial Options For Small Businesses
Introduction Large companies have always had a number of options that they could depend on to raise capital for their businesses. The have always had access to a number of alternatives such as selling stock, issuing bonds, bank loans and accounts receivable financing among others. Looking at the other side of the coin, smaller companies, those that have between $20,000 and $500,000 of yearly revenues, have always had a challenge trying to find capital to operate their businesses. ...
Author: Marco Terry
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Ancient Indian Civilizations - Where Did They All Go?
In 1350 AD we were still quite a few centuries from settling at Plymouth. I have been luckily in that I have found adequate records back to 1200s in my family tree. But this is the time of the end of the inhabitants and Civilization of the Mesa Verde Cliff Dwellers. Some stayed back we suppose, they are the Anastasi Indians. What else was going on in the world during this time? Well as the Indians were leaving there was another civilization flourishing in Thailand and the Thais people had bui ...
Author: Lance Winslow
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Franchising Democracy and Creating Cohesive World Government
There are so many problems with our perceived perfect checks and balances system of our government, that one cannot use the exact United States version model of government to create a franchise agreement for future governments of the world. A standardized system of government in all countries of the World needs to exist if we are all to live peacefully on the planet, trade and respect each others cultural heritage and tolerate the many different renditions of World Religion. World governments ...
Author: Lance Winslow
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Keeping Your Business's Finances on Track
One of the biggest benefits of operating a home-based business is that it doesn't require any formal training or experience. After all, some of the most successful individuals never attended a single business-related class or workshop. The only drawback to having a lack of experience and/or business education is that it can make tracking your company's finances difficult. Even accountants who spend their lives working with numbers often find bookkeeping a tedious chore. But no mat ...
Author: Vishal P. Rao
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Tax Tips for Home-Based Business Owners
As tax time approaches, many home-based business owners begin completing their forms or paying their accountants with trepidation. This nervousness comes from two sources: a fear of being audited and a fear of having to pay a lot. For the most part, both of these fears are unfounded. For one, audits are rare. In fact, only 0.5% of taxpayers are subjected to audits every year. And if you do beat the odds, keeping good records and maintaining receipts will help you weather the IRS storm.< ...
Author: Vishal P. Rao
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Covering the Basics - Your Home-Based Business Filing System Explained
There are several common files that should be present in a business filing system. Below are the basics from a home office or small business perspective. Depending on the nature of your business, these may be to general or to specific for you, but you can customize the following information to suit your business. Remember to use the KISS principle - Keep It Simple Sweetheart. You need not invest in a complicated and costly system to house only a few files. The information contained in your fi ...
Author: Jill Chongva
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Clipper Experiments: A Tail in Two Parts
Poor Dog. Subjected to my most ambitious experiments, she still falls for the old line, "C'mon, Honey, it'll be FUN!" Grooming the Dog and Fun do not belong in the same sentence together. This is a fact. I bought some handy Oster clippers at the pet store a while back. Even while I stood waiting my turn at the cash register, I could hear Honey's tiny little scream in the back of my head . . . "Nooooooooooooooooooooooooooo!" But I did not listen. I forged ahead. Do you have any idea what ...
Author: Monique Young
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Your Biggest Problem in Business? Work Ethic
US Work Ethic Issues
and Lack of service Well many of us are getting upset with the lack of service these days and no one cares and somehow we have all lowered our standards to the fact that getting good service is not to be expected, but rather a nice surprise if it ever does occur. Many great companies have derelicts, under achievers, cry babies, and people which could really careless and this is causing a rift between the best customers and businesses. Mediocrity is common place ...
Author: Lance Winslow
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The "I" Word is Coming to a Town Near You
Hello Inflation, it has been awhile, I see you on your way back again. Inflation? What inflation? Oh things like; Energy, diesel fuel, Aviation Fuel, Gasoline, Natural Gas, Milk, Wheat, Corn, Beef, Poultry, Hogs, Soy Beans, Building materials, paper, housing, Auto Prices, Health Care, Insurance, etc. You know the basics. Also considering the wholesale inflation, which comes from fuel costs being passed on, government regulations infringing on productivity and additional fees and fines to repl ...
Author: Lance Winslow
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US Trade Deficit with Bordering Neighbors
The trade deficit with Canada is now 50 Billion per year. The amount of money sent back Mexico each week from migrant labor and/or illegal aliens is estimated at 8 billion per week. That is 416 Billion per year, not all that comes back here, over half moves to other lands including Cuba a non-trading partner and China which already have incredibly huge trade deficits with. As we trade with other nations and uplift their economies it provides us too with benefits. Peaceful and successful neigh ...
Author: Lance Winslow
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Mexico and US and the Flow of Industry Sectors and Jobs
Mexico is losing lots of jobs to China, for instance shirts, which sell to our shirt making and insignia company can be bought now for $1.00 US which hurts Mexico able to produce at $1.00 and sell at $2.00. In China their cost is $.20. So those jobs in textiles are moving to China where before they were in GA and the South. Before furniture was being made in the US now is being made in Mexico and China. All the jobs we lost in the US with NAFTA went to Mexico, such as Cars, Furniture, trailer ...
Author: Lance Winslow
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For they know not what they do; Federal Regulators destroying business
Federal Regulations on Business Destroy America, these regulations are a tax passed onto the every American. How much does Federal Regulations Cost each year to our society. You are not going to like these figures. It is estimated that Federal Rules and Regulations cost in excess of 788 Billion per year. Our entire federal tax contribution to our government is 829 Billion. Think of it this way every cost to a business is passed on to the consumers and in some respects that is a tax as well. I ...
Author: Lance Winslow
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Business Tax Loophole: Leasing Assets To Your Corporation
While there are many equally valid reasons to incorporate, saving money on taxes is a consideration that can yield relatively immediate results. Leasing assets to your corporation is a tax strategy you should absolutely consider if you already have a corporation or are thinking about forming one. Here's how it works. Just because you incorporate doesn't mean that the corporation must own all of the assets it uses. In fact there are many legal, tax and financial considerations for NOT ha ...
Author: Alex Goumakos
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Know Thy Finances
The first step to financial success lies in knowing your financial situation at any given time. There is an anecdote attributed to John D. Rockefeller--that as a child he was given a monthly allowance from his parents, but upon stipulation that he had to save 10% of it, give away 10% to charity, and account for the rest of it. While his parents required that he record down to the penny where he spent it--you can be a bit more lenient on yourself! Track your spending for 1-2 full months< ...
Author: Shanti Braford
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Monitoring Macedonia
Close to 500,000 people - one in four - live under the poverty line in a country where the average monthly salary is less than 150 US dollars. More than one in three members of the workforce are chronically unemployed. With inflation up 5.5% in the last 12 months and taxes - borne disproportionately by the poor and the working class - at 37% of GDP, life is tough in this small, landlocked country. When faced with the choice between raising VAT from 5% to 19% on bare necessities (such as bread ...
Author: Sam Vaknin, Ph.D.
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Finding Cheap Airfare Online
The Internet has been the most significant revolution in the travel industry since the advent of commercial air travel. Consumers, once at the mercy of airlines and travel agents, now have the ability to plan their own travel arrangements, compare prices, research destinations, read countless first-hand reviews, and even bid for airline tickets and hotel accommodations on auction sites. The impact on travel costs has been dramatic. The old travel industry adage that no two travelers on any gi ...
Author: Sean Dunagan
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Hawala, or The Bank That Never Was
I. OVERVIEW In the wake of the September 11 terrorist attacks on the USA, attention was drawn to the age-old, secretive, and globe-spanning banking system developed in Asia and known as "Hawala" (to change, in Arabic). It is based on a short term, discountable, negotiable, promissory note (or bill of exchange) called "Hundi". While not limited to Moslems, it has come to be identified with "Islamic Banking". Islamic Law (Sharia'a) regulates commerce and finance in the Fiqh Al Mua'm ...
Author: Sam Vaknin, Ph.D.
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Economic Free Zones in Macedonia
Question: Dr. Vaknin - is it true that you are the father of the Law of Free Economic Zones? Answer: I participated in the dedicated and professional team, from many ministries and state organs, which prepared the law. The initiative - in collaboration with the delegation of the government of the Republic of China (Taiwan) - belongs to Dr. Milijana Danevska, the Minister of Development. Most of the work was done by her advisor, Ms. Zorica Doncevska long before I arrived on the scene. I ...
Author: Sam Vaknin, Ph.D.
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Public Sector Economies in Transition
In the previous article, we described the various methods developed in the West to cope with the ever-burgeoning public sector. Yet, economies in transition everywhere in the world have learned a lesson the hard way: not everything that is Western - necessarily fits their needs. Many Western techniques, methods, systems and ways of thinking cannot be applied in Macedonia, for instance. The public sector is a great burden on economies everywhere. It is mostly financed by coll ...
Author: Sam Vaknin, Ph.D.
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The Criminality of Transition
Lecture given at the Netherlands Economic Institute (NEI) on 18/4/2001 Human vice is the most certain thing after death and taxes, to paraphrase Benjamin Franklin. The only variety of economic activity, which will surely survive even a nuclear holocaust, is bound to be crime. Prostitution, gambling, drugs and, in general, expressly illegal activities generate c. 400 billion USD annually to their perpetrators, thus making crime the third biggest industry on Earth (after the medica ...
Author: Sam Vaknin, Ph.D.
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The Blessings of the Black Economy
Some call it the "unofficial" or "informal" economy, others call it the "grey economy" but the old name fits it best: the "black economy". In the USA "black" means "profitable, healthy" and this is what the black economy is. Macedonia should count its blessings for having had a black economy so strong and thriving to see it through the transition. If Macedonia had to rely only on its official economy it would have gone bankrupt long ago. The black economy is made up of two constituent a ...
Author: Sam Vaknin, Ph.D.
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The Confines of Toilets in Modern Art
Toilets in Modern Art Travelers tend to frequently take the cleanliness of toilets as indicative of how civilised a country might be. Modern artists pretty much do the same thing. Defining a "threshold of civilization" by means of a toilet pot is however by no means simple. Neither is it likely to lead to a conclusive, once and for all outcome. On the contrary. When we are faced with a toilet pot as the focal point for debate, arguments rich of historic content will likely emerge that w ...
Author: Angelique Van Engelen
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A Noble And Grand Idea
What a noble and grand idea, the thought of the Chiefs hosting a Super Bowl in a new state-of-the-art stadium with a retractable roof. A Super Bowl in Kansas City might seem like a pipe dream but if Detroit can play host in 2006 then why not Kansas City in 2012 or beyond? The economic windfall alone should inspire the Greater Kansas City area to soften their stance on stadium renovations. I know a little bit about Kansas City but I know a lot more about Detroit. The amount of infrastruc ...
Author: Martin Salt
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Rebuilding Society and The Tax Protest Movement
Rebuilding society and the tax protest movement:
A Biblical Opinion and Strategy By Jack Kettler I have sympathy and am grateful that many tax protestors are concerned enough with the unjust tax system to educate themselves beyond the great majority of their fellow citizens. Nevertheless, I disagree with many of the tax protest arguments and strategies. As this article proceeds I will raise questions along the way that the tax protestor is morally obliged to answer. These questions a ...
Author: Jack Kettler
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Rebuilding Society and The Tax Protest Movement: Part Two
Part Two continued The Christian's duty of paying taxes even extends to "de facto" rulers. If Hodge is correct, then the jurisdictional argument stands in direct conflict with Scripture at this point. Renowned commentator, John Murray, adds his substantial theological influence to the question concerning whom "the powers that be" refer to: The powers that be refer to the de facto magistrates.13 Christians especially should think twice before dismissing the insights of these ...
Author: Jack Kettler
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Rebuilding Society and The Tax Protest Movement: Part Three
Part Three continued It is important to recover and relearn the "original intent" of the founding fathers. Study in this area is valuable. Nothing said in this article should be interpreted as ridiculing constitutionalists who are engaging in serious historical research. Battles should happen on many different fronts. The results of serious research should be presented at all levels of our democratic process, especially to our elected representatives. This goes back to my idea of pickin ...
Author: Jack Kettler
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GPS Navigation Systems and Data Problems
We have a serious problem brewing with GPS navigation systems for automobiles and even motorcycles. There are however problems with this devise as a high tech toy are more serious than you might think. Ask anyone in a metro area who has bought a new car with one of those cool GPS upgrades for their SUV or new sports car. We have had our customers complain (customers of the carwash business, which is my profession). Oh they love the gadget, but they are under whelmed by the lack of data and st ...
Author: Lance Winslow
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Sample Business Plan Outline
If you are looking for a partner, funding, angle investor or venture capital you will be asked for a business plan. Even if you are not in need of capital in the formation of your new business endeavor you will still be glad you prepared a business plan to help you prove to yourself that you have the right stuff and that the business is economically viable. The first step in the creation of your new business will be making a customized business plan. Please use this outline as your template t ...
Author: Lance Winslow
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Should You Get A Pay Day Loan?
Whether you have good credit, bad credit or no credit, you are still eligible for pay day loans. Pay day loans come in all shapes and sizes. The amount you can borrow for your pay day loans really depends on how much you would like or need, anywhere from three hundred dollars to one thousand dollars. You can borrow pay day loans online through literally hundreds of pay day loans companies, or you can visit a physical location. You've probably seen plenty of pay day loans stations in you ...
Author: Tim Gorman
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Payday Loans Available Even ToThose With Bad Credit
Bad credit payday loans may seem like an oxymoron phrase, but the truth is bad credit payday loans are fairly common. You don't need to have good credit or even any credit to quality for bad credit payday loans. The companies that offer bad credit payday loans don't care about your past credit history or background history. Bad credit payday loans exist to get you out of rare, temporary jams and shouldn't be used too often. If you need bad credit payday loans more than twice a year, tha ...
Author: Tim Gorman
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Unlock your Home Loan Piggy Bank
With the recent sharp increase in property values your current home could be a pot of gold. Property prices have increase about 20% - 30% over the past year but according to economists this current boom will not continue or much longer despite recent changes in property taxes announced in the budget speech. Home Loan investments You could get a health profit by selling your home at this time while the property market is hot, but remember you'll need to spend about the same f ...
Author: Gino Sterling
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Fake Money
Reach in your pocket and take out that big roll of bills. Depending on how many of them you have you feel pretty good. BUT did you know they are not worth the paper they are printed on? Huh? Let me explain. Yes, those bills are legal tender because those guys in Washington passed a law stating they must be accepted for payment. They are Federal Reserve Notes and it states right on the bill, "This is legal tender for all debts, public and private". That is OK, but if you go to the U.S. M ...
Author: Al Thomas
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Art, Artists and Money
Practical money tips for people in the arts. 1. Sock it Away If you are in the arts there is no such thing as a steady paycheck. Money usually comes in spurts with no money, often for months, many months, in between. Don't make the mistake of thinking that spurts of income will happen on a monthly basis. When you get money from selling paintings at a show, a role in a play, an advance for a book, any art project--sock it away in a very safe place, CD's or bonds or a savings ...
Author: Mary Baker
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Fuel Prices at the Pump: That is not the problem, Natural Gas Prices are high too
The price at the gas pump is certainly on everyone's mind. We read about Airliner Bankruptcies too and their fuel costs. Truckers are complaining and the average American is modifying their travels, errands and schedules around to deal with the fuel cost increases. Wholesale inflation looms as all the costs for shipping are being passed on. Even though people are joking about the outrageous costs of fuel, it is a serious matter. Hybrid sales are up over 50% in the last two-months and dealers ...
Author: Lance Winslow
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The History of Trade and Using it as a Weapon for Peace
The Flow of Trade is a major consideration of civilizations and cultures working together to insure that they can get what they need. Some areas have special crops, which grow in their regions, which the other regions would like to have. In days of the First colonies in this country, before it was a country trade with the local Indians were vital to them staying alive. Our ancestors traded with the Native Indian tribes to insure the colony had the food and things needed to get through the win ...
Author: Lance Winslow
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What is a Reverse Mortgage?
Simply stated, a reverse mortgage is a loan that enables homeowners (age 62 and older) to convert part of the equity in their home into a tax-free income without having to sell the home, give up the title, or take on a new monthly mortgage payment. More and more homeowners are using this to supplement their retirement income, pay for health care, modify their home, or just get some cash for emergencies. Since this is a new product, some people have misconceptions of what a reverse mortgage is ...
Author: Stuart Simpson
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8 Signs Your Home is Out of Control -- and What to Do About It
It happens without warning. One day you notice your home has turned into a collage of papers, junk, and stuff - everywhere. You're not alone. Today more than ever it seems that the flotsam and jetsam of living, like the waves of an ocean, continually beat at our doors, flooding our houses with all manner of stuff until our homes are bulging at the seams. A typical home is now cluttered and dirty to the point of exhaustion -- yours. All this accumulation also makes going home, or being a ...
Author: Kathryn Weber
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Getting An Offshore Bank Account Via The Internet
There is no need to use the many middleman websites you will find via a search engine. Most of these are *bogus*, even the slick-looking ones. More and more banks are offering offshore bank accounts direct. Just get a list of banks in the country you're interested in, and go to their web sites. See the Google Open Directory here: http://directory.google.com/Top/Business/Financial_Services/Banking_Services/Banks_and_Institutions/ and here: http://directory.google.com/To ...
Author: T. O' Donnell
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Bees Wax; History and Origin
We have often been asked where wax comes from? Well there are many types of Waxes. Bees wax has been around for a while. There are many mentions of beeswax in historic writing such as the myth where Icarus son of Daedalus put on wings of wax and as he flew too close to the sun, it melted and Icarus fell to his death. The father with more experience flew closer to the ground and made it to Italy. In Roman times Pliny, lived from 23 AD to 79 AD and described white bees wax which he got by boili ...
Author: Lance Winslow
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Snowbirds and American Migration and Mobile Populations
We have seen an increase in Snowbirds from Northern States into Southern States. It is truly phenomenal the difference between now and a few years ago. I attribute this to the mobile nature of our society, me included and the use of modern technology, such as cell phones, GPS devices, and Internet availability in many places to hook up to and now for the first time we are seeing a proliferation of services in major markets such as LA, Seattle, San Francisco, Silicon Valley and Phoenix of Rico ...
Author: Lance Winslow
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Fuel Prices and Trucking; A Reality Check On What Drives America
It appears we are having a terrible situation with the diesel fuel prices in the US. It is affecting everything, since everything we buy is shipped by train or truck and most of the times both. We have artificial fuel price manipulation and large trucking companies operating at less than 3% margins. We have seen 100s of medium size trucking companies file bankruptcy and 1000s of small companies file as well between 1999 and 2002 and we appear to be headed for another round here in 2005. This ...
Author: Lance Winslow
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Humans and Bees Go Back a Long Way
The ancient history of of man and bees has been writen about for thousands of years. Specifically the human history and the use of Bee's Wax is truly fascinating. We have often been asked where wax comes from? Well there are many types of Waxes. Bees wax has been around for a while. There are many mentions of beeswax in historic writing such as the myth where Icarus son of Daedalus put on wings of wax and as he flew too close to the sun, it melted and Icarus fell to his death. The father with ...
Author: Lance Winslow
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Biofuels and BioDiesel; There is a snag
Growing our fuel sounds like a brilliant answer to our issues with the thirst this country has for oil. What a perfect plan to help the American Farmer and Agricultural Sector. Indeed on first glance it looks like a perfect solution, given to us from the Gods. Yet on further examination; there's a catch. What catch you say; secretly in the back of your mind accusing me as being part of a general conspiracy to defraud the American People of healthy air, low priced fuel and freedom from Middle ...
Author: Lance Winslow
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Did 9-11 Change Everything for the Business Community
For the business community 9-11 changed everything. In our company, we are in the cleaning business and after 9-11 we saw 62.6% decrease in weekend call ins for washing services at office buildings and a nearly same number of residential call ins. We believe this is partly due to adverse weather but as last years information shows it cannot be more than 20%. Last year that period was down 11.45% and then in the first 3 quarters of 2001 it picked up. We believe because all the phone companies ...
Author: Lance Winslow
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Evil Secrets of the Car Wash Industry Revealed
All industries have their dark side and the car wash industry is no different. On first glance one might consider the car wash industry a bright star and a shining example of a "clean" industry and for the most part they would be correct. There are over 30,000 carwashes in the United States and most operators are in fact ethical practitioners. The car wash industry is over 10 billion dollars a year in this nation and growing along with America's love for their automobiles and SUVs. It stands ...
Author: Lance Winslow
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Developing a Winning e-Commerce Strategy
One bright spot on the economic horizons around the world seems to be continued consumer spending and e-commerce is clearly a part of this, with sales estimated to be in excess of $9.9 billion in the next three months according to ACNielsen. But there is a dark cloud hovering over this sunny e-commerce landscape called poor web site design. Let's explore some of the reasons why consumers are not reaching for their credit cards after perusing an e-commerce web site. - The ...
Author: Lee Traupel
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How to Avoid Getting Disastrously Dot-conned Online
...It is estimated that citizens in the U.S. alone are losing as much as $1,000,000 DAILY to Nigerian scammers! As someone doing your business on the Internet, this article will show you how to stay protected online from the newer variations and twists of the scams that can defraud even the most scam-conscious individuals... As an Internet user, have you received a letter, fax or e-mail asking you to help a Nigerian {or any other citizen who you previously don't know} with a bank transa ...
Author: Josey Teby
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Why Work from Home?
Have you noticed? There is a lot of publicity these days about working from home - increasing numbers of people are dreaming of leaving the rat race; TV programmes are made showing families leaving the city and moving to a rural retreat; and more and more employers are offering their staff the opportunity to work at least part of their working week from home. Even security of employment is no longer assured. Then add to this the explosion of Internet businesses that can be worked from home. N ...
Author: Linda McGrory
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Newspaper Reporters Tread Lightly on Compulsive Gambling Addiction
Websites designed to help people overcome their gambling addictions have recently been contacted by television associate producers and reporters in an effort to obtain information about individuals who have been affected by compulsive gambling addictions. In most cases, they are looking for people to come forward and share how their lives have been impacted by local gambling establishments. In the majority of these cases, people feel fear of embarrassment from family and friends and therefore ...
Author: Howard Keith
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Home Buying: Things To Keep In Mind
So you've decided you want to own a home and now you want to begin your search for one. Before jumping into a home search, there are a few things you should keep in mind when going about buying a home. First things first, you cannot buy a home if you can't afford it! Don't assume how much you can afford, find out your loan eligibility. If you're planning on purchasing a car or any other high-priced item on a loan, then please stall such purchase until after you get your home as your eli ...
Author: Sameer Panjwani
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The Scoop on Stress and Exercise
Stress is defined as a response by your body to any demand made upon it and a 'demand' means a change. Did you know different stress levels have names? For example "Neutral" stress is the amount of work it takes to maintain normal body function. If we give stress a scale of 1- 10 where Neutral stress would be 1. Lets take a look at Success and what it implies. Believe it or not success is a stressor, called "Eustress", which stems from the word euphoria. We can give eustress a quantitat ...
Author: Deborah Caruana
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The Truth About Grants
I don't know about you, but hardly a day goes by I don't receive spam emails about grants. Spam that absolutely promises me I can buy a book and get a $30,000 grant, just for being alive on the planet. Spam that assures me there are grants available to pay my credit card bills, start any kind of business, or buy a shiny new car. To some degree, those spam emails are why I established a website devoted to grants. Because I have been a grants consultant for thirty years, I know the truth ...
Author: Jillian Coleman Wheeler
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Counterfeit Branding - Representing True Globalisation!
From cigarettes to fashion accessories to food products to medicines, more than 50% of the global market are filled with counterfeited products. Do you realise that the Nike t-shirt that you are probably wearing right now may not even exist in the design portfolio of Nike Inc. It may have been produced by a small time designer who sits in the busy lanes of New Delhi in India and charges less than $1 to give you the swoosh in any colour, any form and any design as requested! A true form of 'cu ...
Author: Gaurav Bahirvani
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Afraid Of Dying? Afraid Of Living!
Over the years, I've heard many people voice their concerns of death and dying. It wasn't that they had any maladies that would cause them to die any time soon, but they were "afraid of their own immortality." The basic idea of death, or the potential of death, created a mind-numbing fear that, in some cases, forced them into isolation to avoid anything that could increase their chances of dying. Although this might sound like a gruesome topic, it is important, as one of the most common ...
Author: Edward Toupin
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Afford A Dream Home In Belize
Shopping for property in Belize is not as simple an undertaking as you might initially expect! Firstly, real estate agents as we know them are non existent! Real estate brokers that do exist are likely to be unlicensed, unregulated and certainly not trained or insured. Secondly, the majority (and I mean the majority) of property for sale is not advertised! But with property prices remaining affordable, the quality of property available attractive, the climate beautiful, the ...
Author: Rhiannon Williamson
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10 Top Considerations For Those Buying Property Abroad
Are you one of a growing number of people considering buying a second home in the sun, an idyllic home from home abroad or a lucrative investment property overseas? If so you're not alone! Statistics show that globally we're all on the move with a recent survey by YouGov revealing that 55% of adult Britons were "seriously considering settling in another country" and the British Centre for Future Studies predicting that by 2020 one tenth of the current British population will be living or work ...
Author: Rhiannon Williamson
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The Secret Jewel in the Mediterranean Crown
Since the Northern Cypriots famously voted 'yes' to the UN backed Annan plan for the peaceful reunification of Cyprus in 2004 the world has awoken to the secret and hidden beauty of this untouched jewel in the Mediterranean crown. Those open-minded and individual thinkers seeking elegant living, unrivalled Mediterranean-region investment property opportunities or their own hideaway are today embracing Northern Cyprus. Discover a new world, discover a new opportunity, discover North C ...
Author: Rhiannon Williamson
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Working on Your Groove
We all come to a point in our lives, like in the movie "How Stella Got Her Groove Back" that we lose sight of who we are. Life has a person in so many different roles such as parent; employee and spouse we tend to lose "us" in being there for others. Although Stella got her groove back by meeting a man that was 20 years younger than her, how do we know that Stella's groove is going to stay? Stella still had some matters in her life that she needed to clear up before taking a vacation to Jamai ...
Author: Rondell Demmings
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A Brick Wall
Direct Answers - Column for the week of August 18, 2003 Two years ago I divorced, and there is still a lot of hostility. My former husband has been served with contempt papers for not paying child support. He says I am sending him to the poorhouse, but I have no recourse but to contact the court when the payments stop. He continues to blame me, even though two judges have explained it is the court which determines when contempt charges are filed. My children require the nece ...
Author: Wayne Mitchell
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Work In Dubai
Dubai is home to an exciting, diverse, multi-cultural blend of young, dynamic and professional people all enjoying the unrivalled quality of life the Emirate has to offer. It is of absolutely no surprise therefore that Dubai has the fastest growing population in the world. More and more people emigrate to the city for quality of life, outstanding employment prospects and to experience the very best in the world of work and lifestyle. One of the most immediate and attractive aspect ...
Author: Rhiannon Williamson
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Neither A Borrower
Direct Answers - Column for the week of November 4, 2002 I moved from Los Angeles to Europe with my husband and children. My sister's husband left her with three children. She sent an e-mail today asking me to "give" her $1000 so her lawyer will continue representing her. My sister already owes her lawyer $9000. She owes my other sister $5000, and she never talks about paying it back. She is trying to convince a judge she needs more money from her ex so she won't have to move. Her ...
Author: Wayne Mitchell
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10 Home Purchase Abroad Tips For Success
Are you seeking your little corner of sun drenched heaven on earth? If you are you're certainly not alone! Many Northern Europeans, Americans and Canadians are looking overseas for investment real estate or for a holiday bolt hole and if you're considering buying a second home in the sun, a home from home abroad or an investment property overseas and you're in a hurry to get started, these top 10 home purchase abroad tips for success should set you off in the right direction. 1 ...
Author: Rhiannon Williamson
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Coaches, Do You Make These 7 Deadly Cash Flow Mistakes in Your Practice?
Managing cash flow is every small business owner's most important function. Avoid these seven deadly mistakes to make sure you aren't creating cash flow problems in your coaching practice. 1. Using the "Fly By The Seat of Your Pants" Accounting Method. When tax time rolls around do you find yourself pawing through piles of paper on your desk looking for credit card receipts from your business trip? Or are you upside down digging under the seat of your car trying to figure out wher ...
Author: Caroline Jordan
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Buying and Selling Real Estate: Negotiating to Win-Win
You don't get what you deserve - you get what you negotiate for. If you've spent some time on homekeys.net, you probably noticed we generally don't carry a torch for tradition or conventional wisdom. Having said that, the well-worn cliché above still holds true, especially in real estate transactions. Many buyers and sellers put in countless hours carefully searching properties or preparing their homes for sale, only to see their sweet deals vanish at the negotiating table. Even i ...
Author: Charles Warnock
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How to Have MORE Fun With YOUR Tax Refund in 2005
I counsel a LOT of people about money. I see the same mistakes being made over and over again. If you've made 'em, don't worry. I'm here to help you do it right THIS year! The fact is, moneymakers need a money coach, just like gymnasts need a gymnastics coach. As your MoneySmart(tm) coach, here are the mistakes in thinking and behavior I want you to avoid: * Don't think of your refund as free money - or lottery winnings. It's not! That refund is your hard-earned dolla ...
Author: Cindy Morus
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Buying a New Sports Car - Twelve Tips To Avoid Financial Sticker Shock
Nothing (well, almost nothing) can compare to the thrill of driving a road-hugging high performance sports car. Instant steering response. Power at the exact nanosecond you ask for it. Then, if you have one of the sexier models, you'll attract attention on the road, filling up, and in the shopping mall parking lot. Yes, you can pretend you're driving the Autobahn with the wind blowing your hair. But beware of state troopers just waiting for an "arrest me red" entry on their ticket ...
Author: Valerie Mills
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Keeping Track
One of the things we can be as certain of as death and taxes is that in every meeting at least one person will hand out a document for comments and discussion. But think of the huge workload this gives rise to for the author. She can only hope that not too many people respond, or that they don't all do so at once! But there's another way... Microsoft Word has a nice feature called tracking. When you go through a document by hand, you cross words out here, insert a line there -- bu ...
Author: Terry Freedman
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Home Equity Loan or Home Equity Line of Credit - Which is right for you?
The most common type of home equity loan is the term loan. This loan is set for a fixed amount of time, anywhere from five to fifteen years. Such loans are typically granted for up to 80% of the value of the home, but some lenders will lend up to 125% of the home's value.
Is this type of loan right for you? The term loan works best for those who need to borrow a fixed amount of money for a specific purpose - paying for a wedding, a home remodeling project, a fixed educational expense, ...
Author: Charles Essmeier
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What Women Want
Women in business and the professions continue to change the face of the North American economy. Women are starting more businesses than men and are twice as likely to remain in business than their male counterparts. Career women are thriving and are making a positive impact on the economy. We now represent 55% of university graduates, and 58% of new entrepreneurs, and yet the greatest challenge women now face is having less financial security than in the past. The biggest hurdle women have t ...
Author: Irene Segal
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