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Casual Articles - Are You Throwing Your Money Away?
You’ve likely heard of the movie, Jerry Maguire, with its famous line, “You had me at hello.” Jerry Maguire was luckier than web sites we find in search engines. Many web sites don’t attract user devotion at the first word, let alone after scanning the home page.How many times has this scenario happened to you? You’ve performed a search in a search engine or directory, reviewed the results and found a page description that fits what you were looking for. When you click on the page that looks the most promising, usually y
(THIS IS WHERE MY MONEY DECIDED TO HEAD FOR THE TOILET)
(! TIP Banks are out to make a profit for themselves. )
If I had just sat down and
I recently did some consulting for a large retail company and sat in with their help desk department, which was probably the worst I have seen in my 10+ years in business. This was an internal help desk, with the end-users being employees from the various retail stores and warehouses. Not surprisingly the perception of their company’s IT support was not flattering to say the least.Some of the problems I noted were:·Poor (often rude) phone answering skills with the majority of calls being answered on speaker-phone,
I got my first Job in 1997 after graduating from college with a degree in Computer Engineering. I was on a starting salary of $29000. I also moved out of home and shared a rented house with some old college friends. The rent was approx $180 per month.
After a few months I took out a car loan for $22000 @ 9% per annum. Life was great and like most 22 year olds, I lived from pay check to pay check and had a great social life.
When I turned 24, I decided to start planning for my future and save some money. I cut back on my social life and was careful with my spending. Eventually I could save about $400 dollars per month.
I asked my bank manager for advice about my extra $400 and he suggested I put it into THEIR savings plan every month where It would earn 3.2%. I was chuffed with my-self. Like my parents and teachers had thought me, I was saving a percentage of my salary. And 3.2% is a nice no risk return from a reputable financial institution.
(THIS IS WHERE MY MONEY DECIDED TO HEAD FOR THE TOILET)
(! TIP Banks are out to make a profit for themselves. )
If I had just sat down and
The recent upheavals in the world financial markets were quelled by the immediate intervention of both international financial institutions such as the IMF and of domestic ones in the developed countries, such as the Federal Reserve in the USA. The danger seems to have passed, though recent tremors in South Korea, Brazil and Taiwan do not augur well. We may face yet another crisis of the same or a larger magnitude momentarily.What are the lessons that we can derive from the last crisis to avoid the next?The first
After a few months I took out a car loan for $22000 @ 9% per annum. Life was great and like most 22 year olds, I lived from pay check to pay check and had a great social life.
When I turned 24, I decided to start planning for my future and save some money. I cut back on my social life and was careful with my spending. Eventually I could save about $400 dollars per month.
I asked my bank manager for advice about my extra $400 and he suggested I put it into THEIR savings plan every month where It would earn 3.2%. I was chuffed with my-self. Like my parents and teachers had thought me, I was saving a percentage of my salary. And 3.2% is a nice no risk return from a reputable financial institution.
(THIS IS WHERE MY MONEY DECIDED TO HEAD FOR THE TOILET)
(! TIP Banks are out to make a profit for themselves. )
If I had just sat down and
Google Adwords is a great tool! Careful use can lead to legions of highly targeted visitors breaching the moat around your site, and demanding to pillage your products! On the other hand...Adwords is also a great place to drain your advertising dollars if you're not careful. Like any other automated system, it requires constant feeding and attention to keep you from wondering just why you spent hundreds of dollars and received a paltry return on your investment. Here's 7 great ways I've found to do just that, (an
When I turned 24, I decided to start planning for my future and save some money. I cut back on my social life and was careful with my spending. Eventually I could save about $400 dollars per month.
I asked my bank manager for advice about my extra $400 and he suggested I put it into THEIR savings plan every month where It would earn 3.2%. I was chuffed with my-self. Like my parents and teachers had thought me, I was saving a percentage of my salary. And 3.2% is a nice no risk return from a reputable financial institution.
(THIS IS WHERE MY MONEY DECIDED TO HEAD FOR THE TOILET)
(! TIP Banks are out to make a profit for themselves. )
If I had just sat down and
“Bad credit card card” is used to refer to credit cards that can be obtained even with a bad credit rating. The bad credit card cards provide opportunity to people (with bad credit rating) to improve their credit rating. In that sense, bad credit credit cards act as rescuer for such people. So, bad credit credit cards also act as necessary a training ground for people who have not been able to control their spending urge in the past.Bad credit card cards are commonly known as secured credit cards. The bad credit card car
I asked my bank manager for advice about my extra $400 and he suggested I put it into THEIR savings plan every month where It would earn 3.2%. I was chuffed with my-self. Like my parents and teachers had thought me, I was saving a percentage of my salary. And 3.2% is a nice no risk return from a reputable financial institution.
(THIS IS WHERE MY MONEY DECIDED TO HEAD FOR THE TOILET)
(! TIP Banks are out to make a profit for themselves. )
If I had just sat down and
Part 27. Ezine Ads - create an ad for your product and find ezines that cater to your target market. Write several ads and track them until you find one that pulls well.8. Signature file - include this all your online and offline correspondence. Set up your email client so that it does this automatically each time you send out an email. Include your name, who you are, what your business is about, a way to subscribe to your newsletter, your web site address and your email.Link strategies9
(THIS IS WHERE MY MONEY DECIDED TO HEAD FOR THE TOILET)
(! TIP Banks are out to make a profit for themselves. )
If I had just sat down and thought it through for a few minutes I would have saved myself a large sum of money. Also, if my bank manager had my true interests at heart, he would have explained this simple principal to me. But if he were to do that, my gain would take from the banks profits.
The simple Maths. My Loan was costing me 9% and my savings earning me 3.2%. If I had simply put my $400 extra towards repaying the loan every month here is what would have happened.
I would have decreased the term of my loan substantially and as well as paying off the loan early I would have saved approximately $2,200 in interest repayments. If I had continued the saving scheme, I would have earned interest of $683. That means I would have been $1,520 ($2,200 - $680) better off if id concentrated on repaying the loan.
That’s $1,520 I wasted. As foolish as my mistake was, the sad fact is, a huge number of people are doing the exact same thing. People are putting money away for their future, kids education etc, while also repaying high interest loans, consumer debt and credit card debt.
I was fortunate in that my loan was only over five years, yet
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