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Consumers, Beware the New “Wave” of Credit Cards

Consumers, Beware the New “Wave” of Credit Cards Copyright 2005, http://www.yourfreecreditreportnow.com Author: James H. Dimmitt J.P. Morgan Chase & Co., the nation’s #2 bank and leading issuer of credit cards, has announced it will issue new “contactless credit cards” to its account holders beginning June 1. The new cards can be “waved” in front of a special reader instead of being swiped thr. . .

How Come No One Told Us About This When We Were Buying a Home?

Development, it’s bound to happen. Simply because there is a large open field, or the property you’re looking at borders woods, doesn’t mean it will or can stay that way in the future. I could rattle off instance after instance where home buyers who may have just closed on a property are being notified as an abutter that some proposed development, they hadn’t heard about previously, was taking . . .

The Key Ingredient To Increase Preconstruction Profits By Over $20,000

One of the greatest preconstruction investing issues that I hear from individual investors is that they can’t get access to what they believe are good projects. Regardless if the preconstruction project is a beach condo, a townhouse, a single family home, or even land investment, individuals are finding that many restrictions are being placed on them by developers. In addition, prices are con. . .

Protect Yourself From ATM Scams

Protect Yourself From ATM Scams Copyright 2005, http://www.yourfreecreditreportnow.com Author: James H. Dimmitt In this day and age, ATM’s have become a fast and efficient way of getting our hands on our money. But if you’re not cautious, the automatic teller machine can also be a quick way for others to get their hands on it too. Not long ago, ABC News ran a story showing how easy it was to c. . .

Home Buyers Need the Right Information When Buying a Home

Use Google right now and do a search on, "Home Buying Guide". Take a few minutes to click some of the links to see what's out there and then come right back. Now, try "Home Buyer Guide" and do the same thing. Overwhelming, isn’t it? And that’s exactly the problem facing today’s prospective home buyers; not knowing how to sort through all of the information that is offered to them when buying. . .

Avoiding Credit Card Traps

Avoiding Credit Card Traps Copyright 2005, http://www.yourfreecreditreportnow.com Author: James H. Dimmitt The next time you open your credit card statement, take a closer look at the small insert titled “changes to your credit card agreement”. You know the one I’m speaking about. It’s that small, folded paper written in legalese that you promise to read some other time (but of course that ti. . .

The 10 Cornerstone Principles of Marketing

There are four parts to a marketing system and they rest on ten cornerstones. Marketing results are only as powerful as your marketing systems. To build your marketing system you need to be able to do four things: attract, convert, leverage and retain. With these four accomplishments and the practice of the 10 Cornerstone Principles of Marketing, success will come. Here are the 10 Cornerstone. . .

Creating Assets:  Spark Your Thinking With These 16 Comprehensive Questions

Creating Assets:  Spark Your Thinking with these 16 Comprehensive Questions Here are some questions to get your thoughts and cash flow moving that will also keep your product creating aligned and focused. Find your gold mine in your surroundings by looking at any promotional literature you have created, audio or video tapes you have produced, press releases or articles about or by you, your pro. . .

Using The Right PDA

When we think of writing it triggers many thoughts and visions depending on our framing. It could trigger a lone man with a full astray, unshaven, staring at an old plunking typewriter with white blank crisp paper waiting in anticipation for his words. If a mother or younger, it could conjure up an image of a 30-something woman typing away on a keyboard with an apron on, in between making form. . .

7 Ways to Stay Spiritually Balanced

7 Ways to Stay Spiritually Balanced When we find spirituality, or it finds us, the experience feels surreal. We begin to feel like we're walking on a tightrope between two different worlds. We become ungrounded and loose touch with the physical side of life. When our spiritual mission becomes clear, it is even truer. Learning to breathe and to walk between these two experiences until they mer. . .

Retirement Planning the Offshore Way

Why do so many of us constantly push the thought of retirement planning to the back of our minds? Reluctance…! 1 Reluctance to save for an event that seems so far off 2 Reluctance to tie in to an inflexible pension scheme 3 Reluctance to put a large portion of our current income out of reach for the long term But in terms of retirement planning, putting off until tomorrow that which you could g. . .

Techniques to Help e-Learning

e-Learning is doubling yearly. Classes, e-courses, e-books on how-to and what-to appear by the thousands online weekly. In-person seminars and workshops are limited to location and access. e-Learning allows easy access, creation, and international distribution to a whole new world of experiences -- negative and positive. Avid learners now feel like there is a smorgasbord laid out before th. . .

Knowledge Is NOT Power

For generations, society’s mantra to us was, "Knowledge is power." And that knowledge equaled power. As long as this continued to be subjective, unproven, society kept singing the mantra. Boom! The Internet comes along, knowledge increases 10,000 percent over night, and society chases the knowledge in greater numbers. More people are getting PhD’s and double master degrees than ever before. . . .

Email Reflections: 10 Simple Courtesies

Email Reflections: 10 Simple Courtesies Okay, you are super busy or you are down to your last email before heading home. Maybe it’s first thing in the morning, you have a full in box to read and handle, all before your meeting starts in 10 minutes. It’s easy to be in a rush and dismiss the little things, however... ...have you ever thought how your email looked from a receiver’s viewpoint? . . .

Three Gratifying Ways To Add Abundance To Your Life

Abundance is intangible, spiritual and attracts energy. To attract this type of energy you need to define it, for when you name it, you can claim it. Your definition of abundance is as personal as your DNA. Abundance is the same feeling you have when all the toothpaste is gone and you realize with a sigh that there is a spare in the cabinet. Emotional abundance is having reserves available . . .

10 Simple Ways To Expand Your Subscriber List

10 Simple Ways To Expand Your Subscriber List Here are 10 ways to expand your subscriber list: 1. Keep your subscription form easy to find on every web page. Preferably, add it on your navigational bar. If the form is to large for the bar or page, add a hyperlink and send them to a popup or a separate page so that the previous page on your site doesn't disappear. It is easy for them to retu. . .

Ten FAST Ways to Sell Your Products

Always give a reason for the sale for credibility. 1. If you have old Inventory, give a closeout sale. 2. Return sales. Sometimes called a scratch and dent sale. Offer any less than perfect inventory at a special discount. Always mention the character flaw with the product -- the corner’s bent, label glue scratch somewhere. 3. Only one or two left. Sell them for half price. Post on e. . .

The Benefits of Employing Your Children

The Benefits of Employing Your Children by Collin Almeida How many times a week do you hear, "Mom, I need a new pair of shoes!" or "Dad, can I have money to go to a movie?" Not to mention the cost of school supplies, braces, and college tuition that haunt every parent. If you’re like the average parent, you probably spend several thousand dollars a year providing for all the needs and wants . . .

11 Extraordinary Ways To Expand Your Subscriber List

11 Extraordinary Ways To Expand Your Subscriber List Here are 11 ways to expand your subscriber list: 1. Use a conversational writing tone. It makes a connection. Yet, don't get lax on the grammar and spelling. Use personal pronouns (I, me, you and your). Limit the percentage of I's to half or less of the yous. 2. Spread the knowledge even further by asking your readership to forward a copy. . .

Knock, knock. Who’s There? Your Target Market, Are YouListening?

Knock, knock. Who’s There? Your Target Market, Are You Listening? Have you ever had a conversation with a person who wasn't listening to anything you said? This one-way communication experience is a big turn-off and many times frustrating to cope with at the time. Is this occurring in your marketing? Oops, no one wants to think of their business as turning a deaf ear to their market. Yet it . . .

What does it REALLY take to be making 6-Figures as a serviceprofessional?

Over the past 30 years, I've read so much on how to make money that I know I can write a series of books on the topic, books that would cut through the junk and you don't have to buy 101 things for each area. Most of the information repeats itself -- same author, different title and packaging or different author repeating someone else’s list. All the how-this and how-that was driving me crazy . . .

Three Fast, Short, Simple Ways to Escalate Your Sales

Three Fast, Short, Simple Ways to Escalate Your Sales 1. Sell an inexpensive product to sell an expensive product. If people like your inexpensive product, they will be persuaded to buy your expensive one. 2. Allow your visitors to decided how much they want to pay for your product. I only recommend it for products that don't sell or ones that hardly sell. 3. Create an extra revenue stream with. . .

Practical Nine-Step Guide to Max Productivity

Practical Nine-Step Guide to Max Productivity Step 1: List all the business activities that you complete (regularly or not). Examples: phone calls, meetings, paperwork, projects, sales, follow-up procedures, writing, learning/researching, web site design, delivering core services (substitute name), etc. Yes, this might seem time consuming. You will need to trust in this process and wait fo. . .

Ten Quick Etiquette Tips for Business Lunches

Knowing what to do when meeting a prospective client for lunch, or going to lunch with the boss or colleague can be confusing at times. Here is a quick list of items to remember: 1. Be in the present moment with whoever you are with. Limit glancing around the room. It’s a sign that you are looking for something better. There is nothing worse than having a conversation with someone who is ha. . .

Web Writing: Create Writing Flow With Four Uncommon Connectors

Web Writing: Create Writing Flow With Four Uncommon Connectors Connectors -- conjunctions, punctuation, and transitional phrases -- allow readers to process information promptly by creating balance and relationships between sentence parts. The connectors are performing the same work as verbs, objects, modifiers and multiple subjects. Here are four uncommon connections that will create an easi. . .

Slogans: Creating and Using Them In Life, Career andBusiness

Information is coming at us from all directions nowadays. This pace requires us to demand that we receive it fast and predigested in order to inch ahead of the game. This also requires a new filing system method for storing the bites and bytes. In this article, we will go into greater details on: * Why slogans are important in today’s society fast-pace information systems. * What is a slogan. . .

Revving Up Your Writing Productivity

Productivity begins by recognizing and valuing your brilliance, time, and space. It starts with awareness of what works and what does not. It continues with examining what needs grease, or other needs. Search for the truth for what you need in order to rev up your writing. 1. Long to-do lists. Long to-do lists can be emotionally draining without even knowing it-- even overwhelming and para. . .

Lies, Damn Lies and Mutual Fund Returns

How many times has this happened to you? You're at a social function and the conversation turns to investing. Pretty soon, people are comparing how well their investments are doing. As you might imagine, being an investment advisor this happens to me a lot. However, I recently had an experience with it that startled me. Bob, one of the guys I was chatting with at a party, asked what kind of ret. . .

19 Ways to Attract Higher Paying Clients

Some people have little difficulty attracting and maintaining clients who have higher discretionary funds to spend for solutions. Others can't get to first base. If you are one of those and want clients that can pay more and you currently aren't attracting them, here is a list of 10 barriers that might be interfering. Higher paying clients are easier to work with, appreciate your work more, pa. . .

How to beat the mutual fund companies at their own game

You'd have had to be living on a desert island with no TV, newspaper or internet connection to have missed hearing about the great mutual fund scandal of 2003. The issue was that some mutual fund companies allowed certain hedge funds to engage in after-hours trading, sometimes incorrectly referred to as market timing. Unfortunately, some companies have used the confusion about the term "market . . .

35 Quick Tips for Writing A Press Release

35 Quick Tips for Writing A Press Release Layout 1. 1-2 pages in length. 2. Double-space. 3. 1.5 to 2 inch margins. 4. Use company stationary with logo and slogan. 5. Avoid bright or dark-colored paper. 6. Center "News Release" at top. 7. Place a "release date" under "News Release". 8. On second page, type "page 2". 9. Use company stationary with logo and slogan on page 2. 10. Leave o. . .

"A Business Owner Can Save Big Bucks and Valuable Time"

The dirty word among the workforce of Florida is Downsizing. More and more Americans are becoming self employed in the mist of these corporate downsizings which is a great incentive to start your own business. Self employment also comes with many perks, flexibility, control, and all the profits belong to you, the boss. Sounds good, but what about your daily office activities? Who is doing y. . .

10 Reasons Why People Attend Book Signings

This is the survey result of 325 people conducted by myself so I can improve at my own book signings. After completing the survey, I saw the wealth of insight it had given me. I felt it was important to share it with a wider audience. I also interspersed some personal experiences. The survey was conducted by Catherine in-person with people who attended book signings at area bookstores in North. . .

15 Ways to Promote eLearning Programs

Pre-note: In this article, teleclass is an example used to illustrate one type of eLearning market. The tips work the same for other eLearning programs, including, but not limited to, teleseminars and ecourses. In the mid-1990s, the teleclass format began and was named, distance learning. During these early years, learning institutions, particularly universities, were chief users of this for. . .

Five Fun Ideas That Increase Online Traffic

1. Using Hidden Links to increase subscribers or for a contest. Place a not so easy to find link in your copy and then ask people to find it. Give them a prize or freebie for finding it. Or you can give them the ebook after they find the link and click on it. By burring it inside the material, they will definitely need to read it carefully in order to find it. 2. Have unique information? . . .

Media Kit: 25 Component Possibilities

Media kits, virtual or print, include a combination of information whether created for electronic delivery or print. The number of components depends on the kit’s focus and intention. For instance, an author’s kit would include a different combination of information than a service business, or a multifaceted company or speaker. Here is a list of component elements to pull from and tips to bri. . .

Have You Ever Thought of Joining or Forming a Consortium?

Have You Ever Thought of Joining or Forming a Consortium? Are you an entrepreneur but don't like selling alone? A consortium is a combination of different industry-types of entrepreneurs working together to attract business as a group. Even though each member maintains their individuality and operates as the same as self-employed. They band to create a more valuable package to fulfill bigger n. . .

What Colors Make Your Services Most Attractive?

This information is based on the principles of Laws of Attraction, Law of Allowing and Law of Deliberate Creation. And the Universal Laws of Energy (like attract likes) proven by Quantum Physics. What colors attract people to you? Visual presentation and appeal, whether in your marketing materials or what you wear, can turn on or turn off what you people you attract. It does not matter if it’. . .

15 Website Elements That Attract Visitors

Here is a quick list of components that make a website attractive. They are listed in layers of attractiveness beginning with the "must" haves, to "nice to haves." 1. State the website's purpose up front and clearly of the site. Do this as quickly as possible. The visitor needs to know immediately if they have landed on the right site. They also need to know "what’s in it for me to stay her. . .

Increase Book Sales: When a Book is No Longer Just a Book for Sale

Do you have books sitting in your garage that you haven't sold yet and looking for ways to move them? Then you will want to know about these five outrageous ideas that aren't difficult and can be just plain out fun. Dede Hall, author of The Starving Student's Cookbook had very poor sales for her books. Then one day an outrageously light bulb moment appeared. She added an inexpensive skillet . . .

Teaching a lesson on budgets that hits home

A report introduced in 2001 stated that 8.2 million Americans owed more money than they were worth. Simply stated, people just do not understand basic financial principles. This unfortunate epidemic is the result of inadequate training of finances in the home. Repeatedly, teachers are often asked to compensate for the education not found in the home and that is why there has been a national p. . .

Why the Small Business Owner Needs a Budget

Why the Small Business Owner Needs a Budget By fabman I know I tend to harp on the subjects of budgeting, debt management and cash flow optimization a lot, but I have a good reason. I believe that these three items are extremely important not only for the beginning wealth-builder, but also as important for the future small business owner in you. Budgeting My father ran a successful business fo. . .

Your Worst Enemy to Successful Investing — the Media

How do you make your investment decisions and where do you get your information? If you're like most of the people I know, you look to the experts. That's fine, however it's important to be aware that for every expert, there's an opinion and for every opinion there's an expert. I have a friend who says that opinions are like noses: everyone has one but you wouldn't live in anyone else's nose! . . .

The Demise of Buy and Hold

Based on consistent results I think Buy & Hold should be renamed Buy, Hold & Bye Bye. It sounded great for a while, especially for the huge majority of investors who don't have the time or interest in really doing due diligence on investments. Investing, for some, might be just a hobby, but it can sure be an expensive one. Yet, if you're like many of us, you know there are opportunities for pu. . .

5 Tax Myths That Are Costing You A Bundle

This article is based on the following 2 assumptions: 1) You are a small business owner or self-employed person (including home-based businesses and part-time entrepreneurial activities). 2) You don't like to pay taxes. In fact, whenever you think about paying taxes, you get so mad you end up "all lathered up and nowhere to go." Now, if paying taxes makes you so upset, what have you done about . . .

There Is No Such Thing As Tax Simplification!

I'm a little upset right now, so please bear with me. I don't get upset very often - you can always tell because smoke starts coming right out of the top of my bald head! - but I'm here to tell ya', this one really has me both laughing and crying at the same time! Recently the IRS came out with this press release: IRS Increases Interest/Dividend Threshold Source: Associated Press Publication . . .

Choose Your Attitude or Not

Choose Your Attitude or Not By fabman I just read “Fish! A Remarkable Way to Boost Morale and Improve Results, by Stephen C. Lundin, Ph.D., Harry Paul, and John Christensen.” You know the book. It’s that annoying one with the fish on the cover that reminds you that “work made fun get’s done.” I put off reading it mainly because it’s over-hyped and costs $19.95 for 110 pages. Add on top of t. . .

A Big Tax Loophole Just Got Bigger: How To Turn Taxable Income Into Non-Taxable Income

Believe it or not, there are ways to convert taxable income into non-taxable income, without any fear of an IRS audit. Here's one of my favorites. It's been part of our tax code for over 30 years, yet many still don't take advantage of it. What am I talking about? The IRA -- Individual Retirement Account. Now, before you say, "Oh, I know all about that one; what's so great about an IRA?", give . . .

How to Pay Less and get More: Discount Broker vs Professional Management Fees

How do you invest? What do you really pay? At the end of the day, what are your real results? These are questions smart investors should be asking themselves (but usually don't). In this era of more fees, misc. charges, holding periods and back end redemptions, even at discount brokers, how are you really making out? Working with a new client brought this all to my attention. I know what I foun. . .

Learn from the Trader Legends!

By Tom Meier http://www.easy-trader.ch What do the world’s best Traders differently than the average investor? Can the average investor learn from the Trader Legend’s success stories and their systems used? What do the most famous Traders have in common that can be applied by the average talented trader? Before we will give some insights on those questions let’s have a look at some of the most . . .

How (NOT) to Buy Mutual Funds

When it comes to mutual funds, there is a lot more to success than just finding a good one. Sad investment stories like the following are all too common. I hope my sharing it with you will help you avoid making the same devastating financial mistake one of my former clients made. This story begins during the height of the investment madness in 2000, just prior to the bear market. I had been man. . .

How to find an Investment Advisor

Do you think you need an Investment Advisor? Hold on before you answer because this is sort of a trick question. Also, I am definitely biased because I am an Investment Advisor. Nonetheless, I think I can assist you in looking at this issue in a way that will serve you. Working with a fair number of investors over the last nearly 20 years, I have observed that while most are intelligent people,. . .

No Load Mutual Funds or Exchange Traded Funds (ETFs)?

If you are fed up with early redemption charges and ever increasing mutual fund management fees on top of bad-performing fund managers, read on. There is a quiet revolution going on in the no-load mutual fund industry and you, the individual investor, may benefit from it greatly. I am referring to Exchange Traded Funds (ETFs), which have been around for years, but have grown tremendously since . . .

Do Lifestyle Funds Provide Greater Security?

With the stock market stubbornly refusing to settle down and smooth out, Wall Street has been scrambling to come up with "product" they can sell to gun shy investors. One such new concept is the Lifestyle fund; an extremely diversified package designed to be the single fund in an investor's portfolio. There are two general types of these funds, in which assets are spread out across a wide range. . .

The Conflict of Interest Game

Disgruntled investors are going after Wall Street once again, this time accusing one of investment bank Morgan-Stanley's high-tech mutual funds of making biased stock picks. Recent lawsuits allege the Morgan Stanley Technology fund was influenced to buy and hold stocks of companies that delivered huge investment banking fees – or could potentially bring big business – to the investment bank. Ac. . .

Find a Methodology and Minimize Investment Madness

There are many reasons to be investing these days, and too much opportunity to not have your money working for you. However, I believe the majority of people dread having to deal with investment matters, and tend to jump into purchases and then hold their breath hoping for the best. After a long day at work and taking care of the family, it’s hard to get excited about reading up on your 401(k) . . .

How We Eluded the Bear in 2000

The date October 13, 2000 will forever be embedded in my mind. It was the day after our mutual fund trend tracking indicator had broken its long-term trend line and I sold 100% of my clients’ invested positions (and my own) and moved the proceeds to the safety of money market accounts. Some people thought we were nuts, but I had come to trust the numbers. The shake out in the stock market, whic. . .

How Any Business Owner Can Reduce The Likelihood of a Tax Penalty by 31 Times

Reprint Guidelines: ** Attention Ezine editors / Site owners ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include my resource box as listed above. If you do use the material, please send me an email so I can take a look: mailto:Wayne@YouSaveOnTaxes.com ===================================. . .

Tax Tidbit #3: Carpe Diem -- Seize The Per Diem Method (and Throw Away Your Receipts)

Reprint Guidelines: ** Attention Ezine editors / Site owners ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include my resource box as listed above. If you do use the material, please send me an email so I can take a look: mailto:Wayne@YouSaveOnTaxes.com ===================================. . .

Tax Tidbit #2: How To Get A $1,000 Refund By Filing An Amended Tax Return

Tax Tidbits: Presented by Wayne M. Davies of www.YouSaveOnTaxes.com. Short but sweet tax nuggets for the Small Biz Owner and/or Self-Employed Person, each morsel serving up a specific tax reduction strategy guaranteed to tickle your monetary taste-buds. The U.S. Tax Code is so big, there's only one way to digest it: one little nibble at a time. Just like a piece of candy, one small bite of t. . .

Tax Tidbit #4: How to Let the IRS Pay for Your Kids' Summer Camp

Reprint Guidelines: ** Attention Ezine editors / Site owners ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include my resource box as listed above. If you do use the material, please send me an email so I can take a look: mailto:Wayne@YouSaveOnTaxes.com ===================================. . .

Tax Filing 101: It's Never Too Early To Procrastinate

============================================================ Tax Filing 101: It's Never Too Early To Procrastinate -- by Wayne M. Davies Copyright 2003 Wayne M. Davies Inc. ============================================================ For all you procrastinators out there, here's a nuts 'n bolts guide on how to legally postpone the filing of your Year 2002 income tax returns. When it comes to pu. . .

The 37 Cent Mistake

Reprint Guidelines: ** Attention Ezine editors / Site owners ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include my resource box as listed above. If you do use the material, please send me an email so I can take a look: mailto:Wayne@YouSaveOnTaxes.com ===================================. . .

How To Avoid Getting Burned By Your Own Tax Return

Reprint Guidelines: ** Attention Ezine editors / Site owners ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include my resource box as listed above. If you do use the material, please send me an email so I can take a look: mailto:Wayne@YouSaveOnTaxes.com ===================================. . .

How To Audit-Proof Your Tax Return Forever!

Congress recently passed legislation that is supposed to result in a more "sensitive" Internal Revenue Service. You know, not such a lean, mean, tax-collecting machine. I DON'T THINK SO! Here's why. A few months ago, one of my clients (let's call him Mr. Jones) got one of those IRS "love letters" requesting more information about his return, and the IRS wanted to meet with Mr. Jones in pers. . .

Maximize Your Tax Deductions Using The IRS’s "Two Business Location Rule"

Maximize Your Tax Deductions Using The IRS’s "Two Business Location Rule" by Collin Almeida If you’re like most Americans, your automobile is one of your biggest expenses. Gas, insurance, maintenance, and licensing all add up to a generous portion of the average person’s income, not to mention the actual cost of buying or leasing a vehicle. Wouldn’t it be wonderful if you could write-off a co. . .

A Timeless, Tried and True Formula for Achieving Big Results

A Timeless, Tried and True Formula for Achieving Big Results by Gabriel Nijmeh Reflect back on some of your greatest success and achievements. How did you think? Act? How did you get there? You started off with a dream or a vision that caused you a burning desire. You know it, feel it- that gut feeling is telling you to do it, jump into action. Like a tiger eyeing its prey with pinpoint foc. . .

Accurate and Timely Stock Trade Signals

At a time when most stock market pundits still consider 'Sell' a four-letter word, Midridge.com is generating stock trade signals with a difference: they consistently make money or prevent investors from losing money. Midridge.com continuously provides Buy or Sell signals (the only two alternatives!) on all stocks within the S&P 500 Index. In fact as of December 31, 2001: 457 of 500 current tra. . .

4 Simple Steps to Reduce Your Taxes Now!

Does Tax Season get you down? Here are 4 simple steps that any small business owner can take to lower your tax bill this year. STEP #1: Understand How Serious Your Tax Problem Is Are you aware of just how much in taxes you are paying? Here's how much the average family spends on various consumer categories -- as a percentage of income. You must realize that it's not how much you spend on ta. . .

The Plastic Swipe

The Plastic Swipe by Gabriel Nijmeh I'm sure that most of us don't really know what happens between the time your swipe your credit and receive purchase approval (or, ugh, credit card declined). This is a process that happens millions of times over during the course of a day and one which we take for granted. Let's VISA as an example, although this process works similarly for MasterCard. Ameri. . .

Houses at half price! Government grant available for teachers

The Teacher Next Door program (TND) is granted funded program administered by The US Department of Housing and Urban Development (HUD) that will pay (literally) 50% of your house mortgage if you meet the grant criteria. "The escalating teacher shortage requires school systems to employ innovative approaches to attract and retain teachers, and this is especially true in low-income, urban neighbo. . .

Tax Tidbit #1: How To Turn Non-Deductible Commuting Mileage Into A Legitimate Business Expense

Tax Tidbits: Short but sweet nuggets for the Small Biz Owner and/or Self-Employed Person, each morsel serving up a specific tax reduction strategy guaranteed to tickle your monetary taste-buds. The U.S. Tax Code is so big, there's only one way to digest it: one little nibble at a time. Just like a piece of candy, one small bite of tax knowledge can give you one very delicious deduction! ====. . .

You Have More Money in Your Pocket Than You Think

You Have More Money in Your Pocket Than You Think... by Gabriel Nijmeh Let me be the first person to say, "Why wasn't I smarter with my money?" I look back over the years in amazement at how my money "innocently" slipped through my hands. Ultimately, beyond those fleeting moments of gratification, I can't really say I have much to show for some of my misspent money. I certainly don't want to be. . .

Teachers, do not overlook teaching your students how to write checks.

The stock market is in a downturn, corporations are laying off workers, public companies are collapsing and federal law makers want the next generation of students to understand how to manage their money. A subject that was once kept in the home is being moved to the school systems because the teaching of financial education in the home is failing. In 2002, 75% of the graduating high school s. . .

Website Promotion – Where to Get Ideas for Writing Articles

Some six weeks ago, I began writing and submitting articles to free content sites in order to promote the six commercial Websites I own. The results have been both swift and dramatic, and the number of links from external Websites to my own Websites has increased from nearly nothing to more than 10,000 in a little more than a month. These results have inspired me to write more articles, and a. . .

Website Promotion – Submit Articles, but Spread them Around

Writing articles on topics that are relevant to your Website’s topic and submitting them to free content sites is a great way to effectively promote your Website at little or no cost. There are many Websites that want topical content, and they frequently obtain this content from “free content” publishers. Those sites are always looking for articles and they’ll accept articles from most anyone. . .

Website Promotion – Need Inspiration to Write Articles? Check Your Stats!

One of the best ways to promote a Website inexpensively is to write articles about your Website’s topic and submit them to “free content” sites. These sites are easily found; just type “submit free content” into your favorite search engine. Each article you write will have a “resource box” that includes your name, a brief bio and a link to your own site. These articles are shared with other . . .

Stock Market Investments

You have permission to publish this article either electronically or in print, free of charge, as long as the author bylines are included. A courtesy copy of your publication would be appreciated. Please email to mailto:charles@thestockopolyplan.com (Word Count 324) Stock Market Investments If there is one term over-used when talking about making investments in the stock market I would thin. . .

Bextra and Vioxx -- Alternative Medications Have Warnings, Too.

At the urging of the Food and Drug Administration, the drugs Vioxx and Bextra have both been voluntarily withdrawn from the market by their manufacturers. Studies show that these drugs, part of a family of non-steroidal anti-inflammatory drugs (NSAID) known as COX-2 inhibitors, may be linked to increased chances of heart attack or stroke. Since these two drugs were heavily prescribed for trea. . .

A Personal Stock Market Investment Philosophy

You have permission to publish this article either electronically or in print, free of charge, as long as the author bylines are included. A courtesy copy of your publication would be appreciated. Please email to mailto:charles@thestockopolyplan.com Word Count (689) A Personal Stock Market Investment Philosophy ∙ Make every investment in the stock market a long-term investment. My . . .

How much is that house in the window?

With the recent release from the UK's biggest mortgage lender, the Halifax, of its latest house price report for May 2005, showing that prices fell by 0.6% last month, and prices falling just 0.1% since the start of the year, the bank said that the market is broadly flat. Nationwide however released its survey last week, showing a 0.3% rise in May. Commenting on the figures for March, Nation. . .

Website Promotion – Writing Articles Generates Traffic Four Different Ways

There are many different ways to promote your Website in order to generate traffic. Most of them cost money, but one of the most effective techniques is free – writing articles about topics relating to your Website and submitting them to “free content” sites. It’s easy to do, takes relatively little time, and can increase your Website traffic in at least four different ways. The article-writ. . .

G8 to discuss world debt while Scots lack basic financial understanding.

Last week saw the launch of Scotland’s Financial Inclusion Forum, and with it requests were issued for local authorities, banks, and other financial institutions, to work together to generate and share ideas to help people take control of their own finances. Those attending the forum were asked to help ensure, “that poverty is not exacerbated by lack of access to financial services”. Deputy co. . .

Debt Consolidation – Can You Negotiate with Your Credit Card Company?

The average American household has nearly $10,000 in credit card debt, and many people are only able to make the minimum payment of 2% of the balance. Even 2% is $200, and by paying the minimum payment, you could be paying on the balance for decades before you finally pay it off. Since new legislation will make it more difficult to file for bankruptcy, it may occur to savvy debtors to try to . . .

Record Collecting Still Thriving in the Twenty-first Century

It may surprise many to find that the hobby of record collecting, long thought dead after the introduction of the compact disc, is still alive and well. Granted, many music fans have long replaced their records with CDs, but for many Baby Boomers and Generation X-ers, the hobby of buying and collecting record albums and singles continues to be a focal point in their lives.Records offer the tac. . .

Watch Out for Misleading Pharmaceutical Advertising

In 1997, the Food and Drug Administration relaxed the rules for drug advertising on television and radio. Since that time, the airwaves have been flooded with commercials for all sorts of drugs. Some of them are vague, with a simple “Ask your doctor if drug x is right for you”; others spell out what the drug is used for and devote the commercial to telling you how much you will appreciate you. . .

Interested in Improving the Sound of Your Stereo? Consider Records

Introduced in 1982, the compact disc was intended to provide better sound than the 40-year-old long-play record album, popularly known as the LP. Using a laser rather than a diamond needle for playback the compact disc was smaller, more convenient to use, and less susceptible to damage than the LP. A bonus was that the format was said to offer “perfect sound forever.” “Forever” isn’t that . . .

Returning home : Scottish Golf Breaks

July 2005 sees the return of the world’s greatest golf tournament to its spiritual home on the Scottish East Coast. With the 27th staging of the British Open taking place on the Old Course in 2005, St Andrews has held the event more often than anywhere else which has reinforced its strong reputation as the “Home of Golf”. This year’s event comes at a period of time where the Scottish Golf Ind. . .

Penny Stock Investing

The Nature of Penny Stocks For anyone new to investing in penny stocks, you should first be made aware of the differences between these micro-cap stocks and the more conventional blue-chip and mid-cap investments. Unlike buying shares in a large, stable company like Ford or IBM, you are dealing with speculative investments. Penny stocks literally trade for pennies per share, or for as much as. . .

The changing shape of family finances

Families are becoming an increasingly complex unit when it comes to money management. Parents are working longer hours, couples are spending less time with each other and children are becoming increasingly sophisticated in their material wants and information needs. Whilst centralising funds is important in the family, so is an analysis of the individual roles and associated financial require. . .