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Author Archives: Glasses or Contacts

Applying for a Mortgage Loan: Big Mistakes to Avoid

Money is hard to come by, so you must take extra care in not wasting it due to some minor lapses in judgment. Though you can be very particular about how you spend your money on everyday expenses such as food, utilities, and transportation, this advice comes in handy when you are making a major financial decision, such as buying a house for the first time. In fact, it may be even more important to apply it to large purchases like these, because you may find yourself locked in for years in a horrible financial situation due to lack of foresight. In this article, we will enumerate some of the most common mistakes that many new homeowners end up making, why they are so costly, and ways in which you can avoid doing the same incorrect financial decisions. Going with Only the Absolute Minimal Payment According to a Business Day article written by Simon Rule, a broker based in Wellington, one of the biggest financial errors that people often commit is choosing the plan with the lowest rate without considering the others at all. Just because the deal looks good at the time does not mean that it will be ...

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The Entrepreneurial Spirit: Unique Ways to Make Money

The best way to embrace your entrepreneurial spirit is to start your own business online because it’s fast, easy, and inexpensive compared to starting an offline business. Even if you have the good fortune to work in a company that allows you to use your own initiative to get the work done, this will not be as fulfilling as having your own business. It’s easy enough to set up a website, accepting payments for your digital or dropship products through a service like Checkout.com, build a blog and a social media network, but the real challenge is figuring out how to get started. Here are 3 tips to get started: Get rid of your employee mentality. Anybody who has worked for somebody else adopts an employee mentality. Even if you’re a rugged individualist, you may be shocked at the difficulty it takes to be organized and disciplined when you’ve worked for a corporation for a number of years. As an employee, you just follow directions on what to do. A job description defines your role. Everything is figured out for you—what to wear, when to work, how to behave, and what to do when customers complain. As a reward for ...

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Thailand Housing Industry Ready To Climb With Economy

The best time to get in on an investment is not only when the price is low but also before everyone else jumps on it. Although the economy is not booming right now, it also is not receding. The housing sector tends to be the last to react to major shifts in other industries. Economic muscle Recently, the Thai government began working with China not only to gain better military hardware but also advanced military training and technology. Although the feds will not allow foreign military bases, they are willing to engage in joint exercises and share landing strips. The administration is focusing on moves that will be most beneficial to Thailand’s security and future. International infrastructure projects such as a railway system stretching across the Land of Smiles that will connect with China provide benefit without Thailand shouldering the full financial burden. The railway system not only will improve local business operations, it also will encourage more foreign investment and tourism. Meanwhile, Thailand exercised its economic influence by reducing exports of rubber to raise the price of the commodity on the world market. The feds also agreed to pay local growers more than the market price. China is the ...

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The Pro’s and Con’s of Using Your Credit Card for Major Purchase

No matter how sincere you are about cutting your budget, no matter how frugal you become, there will come a time when you have to make a major purchase using money that you don’t have. There is no avoiding it in this current age of financing. We don’t live in a gold-based economy. We live in a credit-based economy. At some point, your good credit will be the difference between failure and success. There are some things you should never be a cheapskate about. Your attempts to save money on things like shoes, mattresses, and technology too often end up being penny wise and pound foolish. As distasteful as you might find the prospect, you are going to have to use a credit card for something, somewhere down the line. Still, there is no denying the downside to credit cards. Here are a few of those pros and cons of using credit cards for major purchases: Con – Interest In almost every situation, borrowing money means paying it back with interest. The typical way to make money by loaning money is to require the borrower to pay back more than they borrowed. If it is a low-risk loan, the interest ...

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Stay On Top of Company Payroll

Your company payroll is most likely the most expensive expenditure your business runs into. Without quality workers, you are not able to thrive, but you also need to keep this cost point in check. You know what hours you need filled, so you do your best to make sure the shifts are covered. However, this doesn’t mean you are not going to run into potential problems along the line. By monitoring your payroll, not just on a bi-weekly or weekly basis but on a real time basis, you are able to avoid expensive problems. With the money you save, you can reinvest it back into the company and help grow the bottom line. Financial Problems without Real Time Payroll Monitoring There are a few different issues you may run into and not even realize it until too late. If you pay hourly employees, you schedule everyone so they receive the desired number of hours they want. You also probably make sure to keep these individuals from hitting the overtime mark. Paying employees time and a half is an expensive additive to your bottomline and, should this happen on a regular basis, can prove costly. While overtime on occasion isn’t avoidable, ...

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