Updated on December 1, 2017 by admin
If you have ever had the experience of living paycheck to paycheck and wondering how you will ever pay your bills, you have certainly learned a lesson or two at the school of hard knocks. Why would you want your children to learn those lessons the hard way too? Sure, your kids can learn about money by playing a dozen different computer or board games, like Monopoly and Life, but none of those are best suited for teaching your children about money. The best money game for children is definitely real life.
Growing up, the most you learned about money and investing was probably playing Monopoly with Mom and Dad. You probably had a great time purchasing real estate, houses, hotels, and collecting rent. Then an hour into the game, you or one of the other players probably went bankrupt. We've all won and lost at the game of Monopoly, but it's just not the same when these financial ups and downs happen in real life. A board game will not prepare your kids for the real world.
The best, and only, money game for children that will ever teach your kids how to properly deal with money and stay out of a financial mess as an adult is real life. Children as young as four are old enough to understand money concepts. What your children learn from real life money experiences will only translate positively to their financial experiences as adults. Something as simple as a child doing household chores for an allowance to save up for a privileged video game or other item will teach them in leaps and bounds. This respect for learning and saving will only translate into a good work ethical and the likelihood of fiscal responsibility.
Go ahead and teach your children that money is a tool that is most effective when managed and used properly. Let them learn and understand that money is an essential tool that can help them build up their lives. As your child earns an allowance, let him make his own financial mistakes and learn from them while he is still young. Making such mistakes at the age of five and learning from them will probably prevent similar errors when he is twenty-five. …
Updated on November 10, 2017 by admin
Do you want to earn money faster and easier? I came across the best way of doing both. It is a program that is easy to follow and the outcome is tremendous. Crash Course is a program that teaches you step by step to finding the financial freedom you’ve always dreamed
about. It allows you to earn as much as you’d like to, and decide how many hours a day you want to work. No deadlines, no boss questioning your every thought or decision. With Crash Course you are the boss, and every decision is yours.
Whether you want to make a little, enough to get by or enough to retire early is up to you. no more long hours or working late,wake up when you want or quit at any point of the day. This program even teaches you how to make money while your sleeping. Now tell me you would turn down cash even if it were in a dream?
This is not a dream, and I guarantee you will not regret reaching the financial freedom you get from crash course. This is not a scam, pyramid scheme or anything other then your insight into making money fast and easy, and better yet from your own home. Spend more time with your family, take the vacations you only spoke of as “what if.” Do all this without having to ask for time off, or wondering how to budget vacations in.
Crash Course instructs you step by step as if through the process they were holding your hand through it. One of the best parts is that as you start off you make money while your taking in knowledge of how the business works and what the tricks of the trades are. Doubling or even triple your income. I was not a computer genius before nor am I now, but with this program you don’t have to be. The program instructs you so well in very little time you could teach your children, parents or even friends how to do it.
When I first learned about Crash Course I was skeptical, thinking ah its just another scam or scheme. after dwelling on it I took a chance. for he low cost refund guarantee i figured you know what if they refund it and all there success stories are being told its worth a shot. Now here I am no longer the busy maintenance man, father of four young kids, always stressed out guy. I stand before you proud father of four, home business owner who is ready to go on vacation next week, without a hurry back date or budget for the vacation.
Please believe me when I say Crash Course truly opened a world of success for me and my family and I highly recommend it for the person who is tired of being paid average or living an average life. Invest in it and success is inevitable for you and the ones you love.…
Updated on December 1, 2017 by admin
Business loans refer to the transfer of funds from a lender, usually a financial institution, to a borrower. In this case, the borrowers are businesses and the financial institutions are banks. The interest to be paid and the schedule of repayment are decided by the bankers and the borrower agrees to those terms. Lenders may offer unsecured or secured loans. Secured loans require collateral, which are generally personal assets, such as the home of the borrower. However, when talking about business loans, collateral is something owned by the business – machinery, real estate,
There are many reasons for businesses to get a loan. Some may require additional funds for the expansion of the business, or offering additional services, while others would need funds for making various small or big purchases. Lenders take quite a few factors into consideration while extending these loans. First, they would check the credit worthiness of the business. They would also evaluate how far the business has been successful and the likelihood of its being profitable. Procuring loans for a new company is indeed very challenging, and the credit history of the individual borrower is almost the sole criteria for taking the decision.
As the lender would naturally like to ensure that the borrower has the capacity to pay back the borrowed money, the borrowers need to fulfill some very strict prerequisites for availing the loans.
If the risks connected with the loan are rather high, it is generally a better option to seek investors from within the family or the social circle that could lend money or buy a part of the business. Banks are certainly not keen to offer loans carrying a high risk. Small businesses needing smaller loans could check with government sources that lend money, or other companies offering micro-loans, as their perquisites for extending loans are not so tough.
Businesses that get loans at the time of getting started have the advantage of building their credit history as the business grows. As in case of personal loans, businesses too must ensure to pay back the borrowed funds within the stipulated time. Failure to make timely payments harms the credit history of the business, making it difficult to procure any business loans in the future. Banks plus other lending institutions not only consider the credit rating of the business, but also its profits in the past as well as the profit the business is likely to make when being granted the loan.
As far as the citizens of the US are concerned, those that are looking for loans in order to start a new business or continuing with the present one should look into a good source before approaching any banks. The US Small Business Administration is a government body that provides financial support to small business. Though everybody may not be granted help via this program, one should certainly make a sincere effort and try, as the loans available under this program carry a lower rate of interest, and the terms …
Updated on November 10, 2017 by admin
Recently a friend of mine, who is also a member of an active discussion group to which I belong, asked us all for advice. He had a contract for a three-week school program for which he planned to take off time from his regular employment. What he hadn’t known at the time the three-week commitment was made was that he would be receiving a promotion in the company of his regular employ that would not only mean a better income for him and his family, but also many more hours of work and no chance of being able to take off three weeks.
He felt terrible and guilty, but knew that he would have to “face the music” so to speak. He found a fine substitute for his program and then contacted the teacher with whom he had made his initial contract and was dismayed by her reaction to his dilemma. As you might imagine, this well meaning man stirred up a variety of feelings among the discussion group members.
The numerous interchanges made me consider what went wrong and what might have been a more workable solution. But, most of all, it reinforced the importance of realizing that there are three sides to every situation – my side, your side, and the real side, somewhere in the middle. Following are some of my thoughts and opinions on ways to handle sticky situations with clients – and all others, for that matter.
Start by dealing with your emotions. When the teacher was informed of the change, it appears that she overreacted and sent my friend an e-mail accusing him of “non-professional” behavior. This is when he overreacted and told us all the story, including references to “sleepless nights” his “22 days and nights” working away from his family due to the extra work of the new position. Now, I am not passing any judgment because I only heard one side of the story.
Many others in our group, however, reacted – because they respect and know my friend well – with a number of critical remarks about the unreasonable and “hardened” teacher. Then a couple of group members tried to look at the whole situation from the teacher’s point of view, and everyone became even more emotional. It is so natural for us to let feelings – especially if we have a passion for what we do – take over. This whole scenario caused angry words among the members of our usually congenial group. And, it most certainly didn’t solve anyone’s problems.
Many in our group condemned the teacher and suggested that my friend talk to the principal. Personally, I felt that this might worsen what was already a far from perfect solution. I guess that I might have apologized profusely to the teacher in question – even in person – and admitted that I was the one in the wrong.
I realize that we all have our side of the story. Yet, if we take time to put ourselves …