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| Cover of George W. Bush |
5 Must Watch Business Movies
Do
you think any commercial movie can influence young business students or
entrepreneurs to build their level of knowledge or skills? If you not,
you are wrong. There are such wonderful movies which can motivate anyone
in the sense of business success or pass some wonderful ideas. Here is
a list of 10 movies in this kind that anyone rolled out from business
schools or entered as new in business school must watch.
1. Gung Ho (1986)Directed by Ron Howard and starring by Michael Keaton and Gedde Watanabe, Gung Ho was made when Japan start showing the world about how to make better products.A Japanese auto company is persuaded to take over an abandoned factory--and abandoned U.S. workforce, in a small rust-belt town in Middle America. Alas, this wonderful idea for a culture-clash comedy goes pretty much to waste in Gung Ho. There's a trumped-up crisis in every reel, and a great deal of double talk about whether the Japanese are workaholic freaks or the new, true inheritors of the old American get-up-and-go. This movie recommended by Joseph Thomas, Dean of Johnson Graduate School of Management.
Next Sensation - No Higher Honor: A Memoir of Condoleezza Rice
From
one of the world’s most admired women, this is former National Security
Advisor and Secretary of State Condoleezza Rice’s compelling story of
eight years serving at the highest levels of government. In her
position as America’s chief diplomat, Rice traveled almost continuously
around the globe, seeking common ground among sometimes bitter enemies,
forging agreement on divisive issues, and compiling a remarkable record
of achievement.A native of Birmingham, Alabama who overcame the racism of the Civil Rights era to become a brilliant academic and expert on foreign affairs, Rice distinguished herself as an advisor to George W. Bush during the 2000 presidential campaign. Once Bush was elected, she served as his chief adviser on national-security issues – a job whose duties included harmonizing the relationship between the Secretaries of State and Defense. It was a role that deepened her bond with the President and ultimately made her one of his closest confidantes.
Effective Advertisement Ideas for Small Business Owners
Present
days, lots of people comes to start small business by foreseeing its
potential revenue generation capabilities. Those who have real interest
and time to build small business have lots of opportunities to succeed.
One of the unavoidable factor to any small business is the effective
advertisements to pass the message to public and potential customers to
establish the business.There are various methods to advertise a business. Television ads, news papers and signboards are the preferred methods among it. However, it would be merely difficult for a small business owner to spend huge money to launch advertisement campaigns through costly medias or signboards. In order to meet this difficulty, small business owners should find less cost but highly effective methods to advertise there business or products. Here are some very simple yet powerful solutions to advertise your small business with little money.
5 Things Your Credit Card Company Doesn’t Want You to Know
Editor's note: This is a guest post from Evan Fischer
Credit card
companies are notorious for their fine print, which can often leave you
paying outrageous interest rates and fees that you haven’t anticipated.
Sure, they’ll promise you the moon with low introductory rates and
rewards programs, but when push comes to shove they’re looking to take
your money in any way they can. This means interest hikes and fees for
everything from overages to late or missed payments to black mark on your credit report (that have nothing to do with your credit card account). Here are a few things your creditors don’t want you to know.
1. The CARD Act protects you. The Credit Card Accountability Responsibility and Disclosure Act is aimed at protecting consumers from some of the unfair practices that creditors have used in the past. According to this act, creditors must inform you of any changes to your account a minimum of 45 days prior to implementing the changes. Further, changes can be applied only to future charges (not retroactively). Don’t let them tell you any different.
Credit card
companies are notorious for their fine print, which can often leave you
paying outrageous interest rates and fees that you haven’t anticipated.
Sure, they’ll promise you the moon with low introductory rates and
rewards programs, but when push comes to shove they’re looking to take
your money in any way they can. This means interest hikes and fees for
everything from overages to late or missed payments to black mark on your credit report (that have nothing to do with your credit card account). Here are a few things your creditors don’t want you to know.1. The CARD Act protects you. The Credit Card Accountability Responsibility and Disclosure Act is aimed at protecting consumers from some of the unfair practices that creditors have used in the past. According to this act, creditors must inform you of any changes to your account a minimum of 45 days prior to implementing the changes. Further, changes can be applied only to future charges (not retroactively). Don’t let them tell you any different.
How a 529 Plan Affects Financial Aid
From Editor: This is a guest post from Pat Singer
Saving
for your child’s higher education can be difficult. Even if you make
enough to safely stash some away for their college years, it’s hard to
decide on a savings plan. A lot of people opt for a 529 savings plan
because of the tax advantages. However, there could be repercussions,
because having a 529 savings plan could possibly affect your child’s
chances of getting financial aid. Following are a few tips on how a 529
plan affects financial aid.
What Is a 529 Savings Plan?
Basically a 529 savings plan is a way to put money away for a college education. The plan is generally managed by a state government or a college or university. A 529 savings plan is available in all 50 states. One benefit of a 529 plan is that you don’t have to go to school in the state in which you paid into the plan. There are two basic types of 529 plans.
Saving
for your child’s higher education can be difficult. Even if you make
enough to safely stash some away for their college years, it’s hard to
decide on a savings plan. A lot of people opt for a 529 savings plan
because of the tax advantages. However, there could be repercussions,
because having a 529 savings plan could possibly affect your child’s
chances of getting financial aid. Following are a few tips on how a 529
plan affects financial aid.What Is a 529 Savings Plan?
Basically a 529 savings plan is a way to put money away for a college education. The plan is generally managed by a state government or a college or university. A 529 savings plan is available in all 50 states. One benefit of a 529 plan is that you don’t have to go to school in the state in which you paid into the plan. There are two basic types of 529 plans.
4 Steps to Investing in Property
From Editor: This is a guest post by Sachin
When
looking for an investment property in Sydney there is a vast amount of
options which you could take. This short guide will look at some of the
methods which you can follow to judge the value of a property and make
the right investment.When looking for an investment property in Sydney there is a vast amount of options which you could take. Sydney is a vast and sprawling city with many diverse areas and a multitude of types of property. This short guide will look at some of the methods which you can follow to judge the value of a property and make the right investment.
Citi Diamond Preferred Card - A Friend For Unhealthy Wallets
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Five Important Investments for New Home Owners
From Editor: This is a guest post by Ryan Sandberg
Purchasing
a new home is an important and exciting step in everyone's life. You
have finally moved beyond living with your parents, a group of
roommates, or in a cramped studio apartment and are ready to take on the
responsibilities of an adult. Owning your own home is not as simple as
just paying your monthly mortgage bill and mowing the lawn. Many other
factors go into home ownership that are not covered by high schools and
colleges. Here are five of the most important investments you can make
for a new home:
Purchasing
a new home is an important and exciting step in everyone's life. You
have finally moved beyond living with your parents, a group of
roommates, or in a cramped studio apartment and are ready to take on the
responsibilities of an adult. Owning your own home is not as simple as
just paying your monthly mortgage bill and mowing the lawn. Many other
factors go into home ownership that are not covered by high schools and
colleges. Here are five of the most important investments you can make
for a new home:Ways to Save Money on Your Rental Car
From Editor: This is a guest post by Beth Montgomery
When
you’re on a relaxing vacation, the last thing you want to worry about
is your rental car expense. The fact is many people don’t understand
which fees are and which fees are not necessary, so the rental car
company ends up charging them for services that they do not need. To
avoid some of the hassle that can go along with renting a car, here are a
few tips to help you get out of the rental car office and on your way.
Before you commit
Before you start searching for a place to rent your car, think about what you will need in this car. What size will you need? How many days are absolutely necessary? How much are you willing to spend? Asking yourself these questions will help you avoid making a decision too quickly. If you aren’t careful, you could end up choosing the most expensive alternative and regret your decision.
When
you’re on a relaxing vacation, the last thing you want to worry about
is your rental car expense. The fact is many people don’t understand
which fees are and which fees are not necessary, so the rental car
company ends up charging them for services that they do not need. To
avoid some of the hassle that can go along with renting a car, here are a
few tips to help you get out of the rental car office and on your way.Before you commit
Before you start searching for a place to rent your car, think about what you will need in this car. What size will you need? How many days are absolutely necessary? How much are you willing to spend? Asking yourself these questions will help you avoid making a decision too quickly. If you aren’t careful, you could end up choosing the most expensive alternative and regret your decision.
Understanding Credit Scores Isn’t That Hard
From Editor: This is a guest post from SmartCredit.com
You just need to understand the percentages
Prior to making a big purchase, such as buying a house, you should obtain and understand your credit score. You should also make sure to understand how your score plays an important role in the process of obtaining a loan.
Simply put, your credit score is a number that lenders use to determine risk – specifically, they use it to decide not just if to loan you the money you seek, but also to determine whether you will repay the loan. A high credit score means you are less of a risk, while a lower score reflects the opposite.
Credit scores are determined by taking data from your credit reports and, after running it through some software, getting a number. You should be aware that there will likely be variances in your scores for each credit bureau, since they all have their own criteria in determining your scores.
You just need to understand the percentages Prior to making a big purchase, such as buying a house, you should obtain and understand your credit score. You should also make sure to understand how your score plays an important role in the process of obtaining a loan.
Simply put, your credit score is a number that lenders use to determine risk – specifically, they use it to decide not just if to loan you the money you seek, but also to determine whether you will repay the loan. A high credit score means you are less of a risk, while a lower score reflects the opposite.
Credit scores are determined by taking data from your credit reports and, after running it through some software, getting a number. You should be aware that there will likely be variances in your scores for each credit bureau, since they all have their own criteria in determining your scores.
Top 5 Twitters That Every Trader Needs to Follow
From Editor: This is a guest post from Itay Drory
Every one
is quite well acquainted with the word Twitter, though the sad part
here is that people are not generally acquainted with what it is used
for or what does it do. Twitter, the phenom thingy, we all have heard
about is the 36th most visited internet site as per the census conducted
in the year 2006 and is continuously climbing faster and faster.
Experts suggest that Twitter will hit the top 10 most visited websites
by this year. That is the absolute reason for a sane human to sign up
there, for free, and be entertained with the humongous traffic over the
site. What ever you are using Twitter for, it is the best source for
both casual and official use. Students here can make new friends and
socialize more, while professionals or working class have everything
they seek on Twitter.
Twitter is not a typical social media website where people stay in touch and have fun with their friends and family, rather it is a micro-blogging service provider that allows its members, especially traders, to read and send other users’ posts or updates which are known as tweets. These tweets are the text-based updates or posts of a predefined character length that is up to 140.
Every one
is quite well acquainted with the word Twitter, though the sad part
here is that people are not generally acquainted with what it is used
for or what does it do. Twitter, the phenom thingy, we all have heard
about is the 36th most visited internet site as per the census conducted
in the year 2006 and is continuously climbing faster and faster.
Experts suggest that Twitter will hit the top 10 most visited websites
by this year. That is the absolute reason for a sane human to sign up
there, for free, and be entertained with the humongous traffic over the
site. What ever you are using Twitter for, it is the best source for
both casual and official use. Students here can make new friends and
socialize more, while professionals or working class have everything
they seek on Twitter.Twitter is not a typical social media website where people stay in touch and have fun with their friends and family, rather it is a micro-blogging service provider that allows its members, especially traders, to read and send other users’ posts or updates which are known as tweets. These tweets are the text-based updates or posts of a predefined character length that is up to 140.
Account Now Gold Visa Prepaid Card - An Ideal Solution to Control Your Money
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Balance Transfer Fees: The Sting in the Tail of 0% Deals
This is a guest article from credit card comparison site, UK
Over the past few years, 0% balance transfer fees have been the credit card industry’s goose that lays the golden eggs.
The offer both builds a better reputation for credit card providers among consumers – a credit card which actually helps people with high-interest debts! – and it’s popular among providers for the same reason any credit card deal is… because it makes them plenty of money.
Yes, he deals are by no means the kindness that they appear to be.
High rates of credit card debt after the 0% deal after notoriously common, either because cardholders have failed to pay off the balance transfer or because they just go on to run up another debt, but the most obvious, yet least understood, portion of 0% balance transfer credit cards’ profit margins are balance transfer fees.
Over the past few years, 0% balance transfer fees have been the credit card industry’s goose that lays the golden eggs.The offer both builds a better reputation for credit card providers among consumers – a credit card which actually helps people with high-interest debts! – and it’s popular among providers for the same reason any credit card deal is… because it makes them plenty of money.
Yes, he deals are by no means the kindness that they appear to be.
High rates of credit card debt after the 0% deal after notoriously common, either because cardholders have failed to pay off the balance transfer or because they just go on to run up another debt, but the most obvious, yet least understood, portion of 0% balance transfer credit cards’ profit margins are balance transfer fees.
4 Tips To Finding Real Estate Hot Spots
From Editor: This is a guest post from Sachin
You’re thinking of buying a property but not sure where to look. Here’s a guide to finding the best real estate hot spots.
You’re in the market for a solid property investment but are unsure about which area to buy into. It’s always difficult to keep tabs on the changing property landscape so here are some tips on how to determine the real estate hot spots.
Tip 1 - Know How To Read The Trends
Luckily with the internet there’s more information on property sales and trends than ever before. Even financial sections of newspapers carry detailed breakdowns of property hotspots and which suburbs are performing well and which are struggling. But be careful how you analyse the data. One tip is to look at how the suburb has performed not just over the last year but the last ten years. This will give you a much better indication of whether it’s truly on the rise or if this is just a sudden spike or an abnormality.
You’re thinking of buying a property but not sure where to look. Here’s a guide to finding the best real estate hot spots.You’re in the market for a solid property investment but are unsure about which area to buy into. It’s always difficult to keep tabs on the changing property landscape so here are some tips on how to determine the real estate hot spots.
Tip 1 - Know How To Read The Trends
Luckily with the internet there’s more information on property sales and trends than ever before. Even financial sections of newspapers carry detailed breakdowns of property hotspots and which suburbs are performing well and which are struggling. But be careful how you analyse the data. One tip is to look at how the suburb has performed not just over the last year but the last ten years. This will give you a much better indication of whether it’s truly on the rise or if this is just a sudden spike or an abnormality.
Credit Cards & Teenagers: How to Make Sure Things Stay in Control?
From Editor: This is a guest post from Alban Smith
You
are not the only one worried about how to maintain control over the
health of your teen’s credit as in February 2010 President Barak Obama
the Credit Card Accountability,
Responsibility and Disclosure Act which makes it harder for credit card
companies to prey on teenagers and suck them into using a credit card
they can’t afford or control.
However, while the new laws state that a teen must have a job or a co-signer, it is still not impossible for your teen to get and use a credit card, so should you be the one helping them as co-signer, or should you take the law into your own hands and just say no?
You
are not the only one worried about how to maintain control over the
health of your teen’s credit as in February 2010 President Barak Obama
the Credit Card Accountability,
Responsibility and Disclosure Act which makes it harder for credit card
companies to prey on teenagers and suck them into using a credit card
they can’t afford or control.However, while the new laws state that a teen must have a job or a co-signer, it is still not impossible for your teen to get and use a credit card, so should you be the one helping them as co-signer, or should you take the law into your own hands and just say no?
Should I Try to Pay Off Old Debt?
Editor's note: This is a guest post from SmartCredit.com
The process can be frustrating – but it’s worth it in the end
Lots of people have questions regarding credit scores – and few people really understand how this all-important number is calculated or how it works.
One of the most commonly asked questions is this: Will paying off an old or bad debt raise your credit score?
When you have a charge off or a negative mark on your credit report, it will remain them for seven years. This means that when you pay a debt in full, the mark will not be removed from your credit report. This is incredibly frustrating when you are trying to clean up your report.
But just because it is frustrating doesn’t mean you shouldn’t try to pay off your debts. It’s better that you do pay them in full whenever possible. Potential creditors will want to see that for the debts listed on your credit report, there is “paid in full” next to the charge off or negative mark. It shows you took responsibility for the debt.
The process can be frustrating – but it’s worth it in the end Lots of people have questions regarding credit scores – and few people really understand how this all-important number is calculated or how it works.
One of the most commonly asked questions is this: Will paying off an old or bad debt raise your credit score?
When you have a charge off or a negative mark on your credit report, it will remain them for seven years. This means that when you pay a debt in full, the mark will not be removed from your credit report. This is incredibly frustrating when you are trying to clean up your report.
But just because it is frustrating doesn’t mean you shouldn’t try to pay off your debts. It’s better that you do pay them in full whenever possible. Potential creditors will want to see that for the debts listed on your credit report, there is “paid in full” next to the charge off or negative mark. It shows you took responsibility for the debt.
Save Money on Your Communication Needs
From Editor: This is a guest post by Noreen Ruth
Keeping
in touch with family and friends has never been easier. With
innovations in communication technology coming fast and furious,
opportunities for more people to have cell phones and access to online
social networks and services has opened up. But with all those available
options, many people find it a daunting task to choose the ones that
meet their needs. Don’t let the fear of new technology keep you from
communicating whenever and wherever you are and save money at the same
time.
Bundled Services
If you currently have cable, phone and Internet services, one easy way to cut on the cost of all three is by signing up for a bundled package. When you purchase multiple services from one company, your loyalty will be rewarded with lower rates. In addition, you’ll keep bill paying to a minimum with one statement and payment each month.
Keeping
in touch with family and friends has never been easier. With
innovations in communication technology coming fast and furious,
opportunities for more people to have cell phones and access to online
social networks and services has opened up. But with all those available
options, many people find it a daunting task to choose the ones that
meet their needs. Don’t let the fear of new technology keep you from
communicating whenever and wherever you are and save money at the same
time.Bundled Services
If you currently have cable, phone and Internet services, one easy way to cut on the cost of all three is by signing up for a bundled package. When you purchase multiple services from one company, your loyalty will be rewarded with lower rates. In addition, you’ll keep bill paying to a minimum with one statement and payment each month.
3 Ways Your Credit Score Impacts Your Life
This is a guest post from Zach of moneyedup.com
During
tough economic times, some people find themselves in a situation where
their credit can be adversely affected based on difficult financial
decisions. It may be a decision to delay payment on a credit card, or
fall behind on a mortgage payment, or allow a doctor bill to go into
collections. While it may be unavoidable, it is important to maintain a
long view of your credit standing, because a low credit score can impact
much more than your ability to obtain credit. In the long run that
could be the least of your worries. There are three ways your credit
score impacts your life: Borrowing costs, employment, and insurance.
Higher Borrowing Costs
Most people are aware that, if they fall within a lower credit score range, they are going to have more difficulty obtaining credit on favorable terms on long term loans. The greater concern should be for the cost of your existing credit. If you existing credit cards, or variable line of credit, you could find your rates increasing once your creditors see that their risk has increased.
During
tough economic times, some people find themselves in a situation where
their credit can be adversely affected based on difficult financial
decisions. It may be a decision to delay payment on a credit card, or
fall behind on a mortgage payment, or allow a doctor bill to go into
collections. While it may be unavoidable, it is important to maintain a
long view of your credit standing, because a low credit score can impact
much more than your ability to obtain credit. In the long run that
could be the least of your worries. There are three ways your credit
score impacts your life: Borrowing costs, employment, and insurance.Higher Borrowing Costs
Most people are aware that, if they fall within a lower credit score range, they are going to have more difficulty obtaining credit on favorable terms on long term loans. The greater concern should be for the cost of your existing credit. If you existing credit cards, or variable line of credit, you could find your rates increasing once your creditors see that their risk has increased.
Making Sense of Property Market Trends
From Editor: This is a guest post by Sachin
Looks at property market trends and how to evaluate real market moves. Discusses the investment advantages of buying off the plan
Property market information varies from excellent, accurate news to types of information which barely deserve to be called gossip. When you’re looking at buying an investment property, the last things you need are non-information, rumors, hearsay and speculation without confirmation. It is possible to get some sense out of the property market trends, but it’s not by listening to second-hand information- It’s by research and checking your facts.
Looks at property market trends and how to evaluate real market moves. Discusses the investment advantages of buying off the planProperty market information varies from excellent, accurate news to types of information which barely deserve to be called gossip. When you’re looking at buying an investment property, the last things you need are non-information, rumors, hearsay and speculation without confirmation. It is possible to get some sense out of the property market trends, but it’s not by listening to second-hand information- It’s by research and checking your facts.
A Complete and Comprehensive Checklist for Buying Term Life Insurance
This is a guest post from Ramalingam of Holistic Investment Planners
Buying
insurance for protection and wealth creation has always been a very
complicated task involving careful analyzes. The analysis involves the
amount of coverage, reason for coverage and the term/time that the cover
is required. Term policies taken for a specified period of time like 5,
10, 15, 20, or even 30 years helps to look after family’s financial
commitments like education and marriage of our children and the day to
day expenses for a reasonable standard of living.
Term insurance policies that resemble motor/house insurance are not subject to the law of indemnity as damage due to human life cannot be measured. Taken for a specified period when financial obligations have to be met, no money is generally paid back if death does not occur in the period.
Buying
insurance for protection and wealth creation has always been a very
complicated task involving careful analyzes. The analysis involves the
amount of coverage, reason for coverage and the term/time that the cover
is required. Term policies taken for a specified period of time like 5,
10, 15, 20, or even 30 years helps to look after family’s financial
commitments like education and marriage of our children and the day to
day expenses for a reasonable standard of living.Term insurance policies that resemble motor/house insurance are not subject to the law of indemnity as damage due to human life cannot be measured. Taken for a specified period when financial obligations have to be met, no money is generally paid back if death does not occur in the period.
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