 Category :: Finance Articles |
Author :: Debbie Hagan  |
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| Article Title :: Data Mining |
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| I just love the so called political correct terminology used today. How they decide it's really a political correct term is beyond me. Why don't they call it what it is; misleading terminology, whitewashing, sugar coating. Example: collaterial damage ie. innocent people fatally killed in the wake of combat.Now the new term for collecting information on people to compile marketing lists so that we can all receive more junk mail, marketing phone calls and faxes is a cute little term called Data Mining.This is a quote from a banking website on the subject:
Let me try to clarify this. We are wanting to contact our commercial customers' payors that do not bank with us. We would g (read full article) |
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| Category :: Finance Articles |
Author :: Valerie Mills |
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| Article Title :: Why Are So Many Americans Financially Dumb? |
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| Yeah, we are a nation of financial dummies.1. Look at all the worthless get-rich schemes on the Net and TV. These ads exist BECAUSE people are buying.2. Watch the confused look on the cashier’s face when you hand over extra coins AFTER the register displays your change.3. Witness the people standing in line overnight for the privilege of “25% savings.” Aren’t they waiting to SPEND money?If you’re a non-believer, read these statistics:1. According to fool.com, “68% PER CENT of graduating high school seniors surveyed by the Jump$tart Coalition for Personal Financial Literacy failed a personal finance test in 2002, compared with 44% who fail (read full article) |
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| Category :: Finance Articles |
Author :: Valerie Mills |
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| Article Title :: How To Balance Your Checkbook Instantly! |
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| Do you cringe each month when you see your bank statement arrive online or via snail mail?You can banish traditional checkpoint balancing forever. How? By taking advantage of your bank’s “between statements” record-keeping. It’s perfectly legit and accomplishes exactly the same goal as statement balancing, but Instant Balancing is faster and simpler.After all, the point of checkbook balancing is to make sure your bank hasn’t made any mistakes . . . and/or that you haven’t. Either way, most people want to avoid bouncing checks or the ever-embarrassing ATM “insufficient funds” message.HEY! WHAT ABOUT MY BANKING SOFTWARE?You say you have software f (read full article) |
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| Category :: Finance Articles |
Author :: Marty Milan |
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| Article Title :: To Factor or Not to Factor? |
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| The purchasing of accounts receivable (invoices) is generally known as factoring. Businesses can sell their invoices to companies known as factors. Although not all businesses are familiar with factoring, historians claim that factoring dates back to the ancient Roman civilization making it one of the world’s oldest methods of finance.In the past, merchants used factoring to settle their trade debts among each other. Fast forward to today’s businesses profiles and it is apparent that factoring is still a very viable business tool for businesses all types and sizes. Can factoring work for your business? Consider the following benefits:Factoring provides a c (read full article) |
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| Category :: Finance Articles |
Author :: Suzie Shannon |
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| Article Title :: Don't Buy The Government Grant Guides From The Joker Or The Joke Will Be On You |
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| Government grants are available on-line for free.Go to Firstgov.gov which also includes state grants and assistance. Then go to grants, fill in the brief questionaire and it does a search that narrows down what you want and what you qualify for.There are seemingly unlimited amounts of grants, funds and assistance for almost anything. One who qualifies can get assistance with telephone bills (just call your provider and ask), mortgage payments, rent, legal assistance, jobs, unemployment and so on.There are government auctions by 14 federal agencies, government owned properties and links to other agencies and sources, including state and local surplus auctions. Go to wo (read full article) |
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| Category :: Finance Articles |
Author :: Ramona Creel |
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| Article Title :: Creating A Realistic Business Budget |
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| Budgeting -- ooh, what a scary word! If you want to frighten someone whose business finances are out of control, suggest that they tally up their expenses on a piece of paper. We all understand the value of such an exercise, but when it comes to the practicality of putting a budget together, we get cold feet. Budgeting doesn't have to be so painful, when you have a systematic series of steps to follow.SET YOUR FINANCIAL GOALSAs with any other area of your life, it's pointless to start down a financial path for your company if you don't you have some idea of where you want to end up. What is your REASON for creating a budget? Do you want to pay off your business debts? Make s (read full article) |
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| Category :: Finance Articles |
Author :: Gordie Prescott |
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| Article Title :: 3 Steps to Personal Financial Success - Part III: Save Some Money |
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| Obviously, you cannot be a financial success if you don't have any money or are not living the lifestyle that you envisioned. Question: Do you know what your net worth is? Many people don't and are afraid to even try to determine what it is. It may just be the one thing to get you taking action towards saving your money.How Much to Save?Most say save 10% of your income. I say save more, but it all really depends on how much debt you are currently working with and where you want to be in the next year, 10 years, or by retirement (This should be determined in your goals. Read Part I of this series). If you are looking to retire in 30 years, investing $300 a month at 8% (read full article) |
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| Category :: Finance Articles |
Author :: Rick Hoogendoorn |
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| Article Title :: Getting Some Perspective On Your Avoidance Habits |
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| It is quite natural for human beings to avoid discomfort. Our brains are wired that way. Without thinking about it, we'll rush in from the cold. Of course! Without really thinking about it, we'll steer clear of somebody we don't particularly like. Of course! Without thinking about it, we'll bypass the ________ section of the buffet table. Of course! It's the SPINACH section!And without really thinking much about it, we'll often avoid entire aspects of our financial lives. Over the years I have met many people who clearly want financial freedom but, at the same time, don't want anything to do with money! And so it becomes important for them to see how it was they have been avoiding (read full article) |
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| Category :: Finance Articles |
Author :: A. Raymond Randall, Jr. |
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| Article Title :: Time Out |
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| The Patriots earned their money when settling the Super Bowl challenge thanks to Adam Vinatieri's kick through the goal posts. Just before that kick, the Carolina Panthers called time-out to unnerve Vinatieri and Kinchen, the stand in center. On Thursday, January 29, 2004, Greenspan and company suggested they might kick up short-term interest rates. Hinting a time out for interest rates unnerved investors.Interest rate moves have subtle effects on income for many. Our family benefits from the presence of our children's great grandmother, who begins her 91st year, likes football ("Oh, that poor Drew Bledsoe."), but dislikes current interest rates. Clearly, her perspective includes l (read full article) |
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| Category :: Finance Articles |
Author :: A. Raymond Randall, Jr. |
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| Article Title :: "Will That Be Cash Or Credit?" |
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| From Bangkok to Edmonton, credit card statements stuff mail and email boxes with payment deadlines. Every bill reminds the giver that gifts given freely do not come free. Giving and buying often exceed generosity and need as a brittle piece of plastic becomes an avaricious spoiler of hopes and dreams.During this week, two families emailed me about credit card debt. One family lugs $12,000, and $50,000 shackles the other. Each family wants relief; however, debt accumulation comes easily while debt relief sucker punches emotions and wallets.Consumer debt burdens the workers of all economies. Highways jam with the doldrums, "I owe...I owe...It's off to work I go". . Truly, as a (read full article) |
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