For some, office partitioning is simply about creating divisions within an office space, but there is much more to it than that. Used properly, partitioning can really work to maximise the space and, in turn, allow staff to work to the best of their abilities. Optimising the available space you have in the workplace should always be at the forefront of the mind of business owners and office managers because – in the end – it boils down to costs. Some expenditure on high-quality partitioning units can really pay for itself in a surprisingly short space of time. Maximising Space...
I’m so incredibly happy that spring and summer are soon approaching. This winter in Chicago has been absolutely brutal. We’ve been hitting all new low records and every day seems to be below zero. I recently moved here from St. Louis, and the weather was definitely warmer there. The fact that we are close to a lake here in Chicago definitely makes things worse. I’ve never been more excited for the warm weather to come. I’m not a fan of the bitterly cold weather, so going outside to do anything has been rare. I’m a fan of running outside, but I...
A few decades back, the notion of purchasing commodities in anything but a store might have seemed ridiculous. However, as the world adapts itself to newer forms of technology, e-commerce websites are slowly beginning to replace traditional brick-and-mortar establishments as a whole. The concept of online shopping has taken the world by storm, catching the attention of prospective investors as well. The internet is a massive place, and a whole array of e-commerce companies are listed on the stock market today. This makes investing in the right company a tricky task, as a number of different factors have to be...
By Douglas Goldstein, CFP® What is the best way to plan for the uncertainty of the future? After all, so much can happen that it makes it almost impossible to create a financial plan. Even if you could quantify all the unknowns in your personal life (getting a raise, losing your job, change in family status, etc.), how can you possibly account for market volatility when creating your financial plan? The answer: use a Monte Carlo simulation. A Monte Carlo simulation tests large number of scenarios for what might happen. It calculates your odds of success based a projected end...
Many house hunters struggle to overlook design choices, wall colors and furniture layouts in previously-owned homes. Some despise the idea of living in another individual’s home. Others fear bacteria and germs from bathrooms and kitchens, no matter how much bleach is used to clean them. To avoid second-hand homeownership woes, many turn to new construction properties for fresh, sparkling abodes. Aside from being neutral and clean, new construction homes have further benefits – starting when buyers begin their searches to years after signing contracts. Consider the following four qualities unique to new construction homes for sale. Buyers are Active in...
It has been a while since I dove into a topic that is relatively straight forward but so many people have trouble with, that’s it Budgeting. I have trouble with it as well, we are soon to be receiving our income taxes and we have some credit card debt. What should we do with that money? In comes budgeting, sit down and prepare a list of all the expenses that you are paying on a monthly basis. Wait what, what are expenses…hold a minute..expenses are just that what are you paying out each month as an expense. Bills! Student loans,...
Some may think that only the financially gifted can afford financial services when in need of loans or other products. That only the wealthy have protections against the demise that awaits them or the requirements which may come about. This, however, is not entirely true as there are remedies for the lower-income workers who are experiencing a need for assistance, particularly now in wake of the toughening UK financial market. The Leave Behinds According to a Financial Times article, the National Institute for Economic and Social Research has shown that the disparity with UK households have risen sharply since 1980,...
Silver is a new mobile application that helps you to find the best credit cards in seconds, get all the details you need, and even let you apply directly from your mobile device. With Silver, you stay on top of your credit cards, so you never miss a renewal or get hit with annual fee & interest fees again. With constantly fluctuating rates and available services, the developers of the Silver mobile app understand how difficult and time-consuming it can be to research and compare the plethora of credit cards that exist in the market. How Silver works is simple:...
Emergencies happen and it is typically between pay periods or right after paying a bill. Not everyone has an ample emergency cash fund setup or the available funds on-hand, especially those with bad credit. No matter what your financial situation is, there are ways for you to get the funds you need in an emergency. Payday Advance If you have a stable source of income and a valid checking account you can obtain a payday advance. The amount that you can borrow is based upon your income. Most people qualify for these types of loans and often there is not...
Small businesses serving a town or region are quaint and certainly necessary, but other businesses look to larger goals across the world. Building a global company takes a savvy professional at the helm, such as Sukanto Tanoto, and a strong vision. Although assets certainly play a part in global expansion, it’s also necessary to understand your product and how it impacts other cultures. From cultivating material purchases in foreign lands to just getting your name into consumer’s minds, creating a business across the globe takes intricate steps. (more…)
The Indian real estate market has been facing several ups-and-downs over the past years. This was particularly true from 2012 to late 2013 as property prices yo-yoed up and down, resulting in tremendous confusion. Buyers held back as they waited for the market to stabilize. However, the year 2014 brings good news for buyers. Property rates in some areas in Delhi-NCR have fallen by over 20 percent, according to NDTV. The National Housing Bank’s Residex Index was the first to point out this fact. The Index tracked residential property rates across 26 different cities in India. The Index stated that...
Most beginners are eager to jump into the stock market and start trading. While, it may seem exciting and the desire to make money fast is very appealing, however, there is some basic information that’s required. First, beginner stock traders must understand the ebb and flow of the market, which helps to eliminate risky investing. Before tackling key issues of studying a company’s financials, beginners must take time to learn how to keep track of major market indices. These include the NASDAQ 100, the S & P 500, the Dow Jones Industrials and the NASDAQ composite. What many want is...
Whether we like it or not, cars have become part of our everyday lives – and they generate quite a large share of our regular expenses. The one thing cars don’t run without is fuel, of course – and this is one of the things where we can save considerable amounts in the long run. These three tips can help you improve your car’s fuel economy so it consumes less fuel in the long term. 1. Keep your car in a good shape Keep your engine well serviced, your tires hard and your air filters, exhausts and oil clean, and...
Running a small or large business is no simple task, and many business owners experience a series of ups and downs throughout their time as industry or niche specific leaders. This is an especially common case when a business owner is new to the concept of running a business; as most people know, practice makes perfect. Therefore, it is impossible for brand new business operators to know every right and wrong “turn” as they create a new business from the ground up. Since every new business owner goes through this process, there are typically a common set of problematic areas...
If you’re looking to advance your career, you may be thinking about obtaining a business administration degree or an MBA degree. Maybe you’re unsure if this move is right for you, or you could have concerns about whether an MBA degree can help you in your current role. These are both valid questions. The good news, however, is that yes, an MBA has the potential to help you significantly in your current role. What’s more, you don’t have to focus solely on advancement at your current employer. Completion of an MBA degree opens you up to a wealth of new...
When it comes to running effective marketing campaigns, too many businesses seem to assume that within the unfolding expanse of what we know as Internet history, email sits somewhere between the brontosaurus and the dodo — it may not have died off in the early days, but its death is inevitable. While the flash and dazzle of social media’s marketing potential and promise shouldn’t be ignored, choosing it in lieu of email is a big mistake. Email, it seems, isn’t going anywhere, and the businesses that utilize it effectively aren’t either. But what does an effectively run email marketing campaign...
A career in business can offer many different adventures. Some people start their careers at established companies and then switch mid-career and launch their own enterprises. If you know you want a business career but you’re unsure which direction to choose, take a look at these four business specialties to decide which one is right for you. Management If you admire leaders like Warren Buffett, Elon Musk, Indra Nooyi or Marissa Mayer, then you might be a candidate for management. You’ll need leadership chops, an eye for great opportunities and the ability to get the best from the people who...
Most of us send our tax forms off in mid-March, watch our refunds get deposited into our bank accounts and then breathe a sigh of relief that we don’t have to worry about the hot mess that is taxes until the following winter. Believe it or not, though, waiting until the eleventh hour, trying to claim everything that even remotely applies to you and hoping for the best really isn’t the best strategy. In fact it is one of the biggest tax mistakes you can make (and one that is really easy to fix). The simple fact is that a lot of...
Markets.com, founded in 2006 is headquartered in Cyprus, and is owned and operated by SafeCap Invesments Limited. It is regulated by the Cypriot body CySec, along with the UK’s FSA. Markets.com is not available to U.S. customers. Platforms Clients of Markets.com can choose between four separate trading platforms regardless of account type: The MetaTrader (MT4) which is the industry’s most popular platform; the Markets.com Trader which is a downloadable, Windows-based platform that is easy to install and operate; Markets.com Java Trader is for traders who may not always be at home while accessing the markets and can benefit from the...
Small firms are losing out on profit by not having a business plan, according to new research. Companies with a business plan are consistently more profitable than those without one, according to findings from business and finance software provider Exact. The power of planning Small enterprises with a plan are almost 20% more likely to increase profit margins and more than twice as likely to achieve their business goals. Around 70% of small businesses that had a plan in place last year turned a profit, compared to 52% of businesses without a plan, says the research. Clearly, business plans are...
You have a wonderful website and it’s being going quite well. However, it seems that business has leveled out. You need more products on your website and you want to give your inventory a fresh, new, infusion. You’ve already heard of ecommerce drop shipping and it does seem like a good idea. With drop shipping, you do not have to buy extra items. The vendor will retain his stock but he will provide content, images, description and details that you can upload on your website. All you have to do is promote the products online and get orders. Once the...
Before we get to the good reads! Check out this beastly resource on The Mileage Plus Credit Card: How it Made my Trip an Affair to Remember, and let me know what you think. A Few Good Reads Here are a few of my favorite reads from the past week. 1. Young Adults, Student Debt and Economic Well-Being: Student debt burdens are weighing on the economic fortunes of younger Americans, as households headed by young adults owing student debt lag far behind their peers in terms of wealth accumulation, according to a new Pew Research Center analysis of government data. About four-in-ten...
I’ve been a single mom for almost five years now. Doing all of the parenting on my own is not easy, but I love the close relationship that I have with my two kids. During a normal week, I wake up early, drop the kids off at preschool, go to work, pick up my kids and spend quality time with them in the evenings. Being a mom is incredible, but it does not leave much room for time with my friends. Last summer, one of my high school friends called me with an exciting offer. She was planning a girls’...
