Keep Your First Home Safe

As a first-time home owner, you need to take preventative actions for keeping your first home safe. It’s easy to forget to do this with all the excitement of moving in, meeting the neighbors, and finally living the American dream of homeownership.
Yet while there is nothing wrong with a healthy dose of celebration, this doesn’t mean you have to be naïve and avoid realism.
What’s realistic is taking into account other people’s envy. In fact, they have no respect for how hard you worked to own a home and furnish it. …

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Business, Headline »

Multi-Channel Integration: Understanding the New Age of Customer Sales and Service

In sales, it’s all about connections, and not just phone, Internet, and remote computer connectivity. You need social relationships. That’s really at the heart of sales. It’s about people. With that said, you don’t always need to “press the flesh.” Social media is an excellent tool to reach out to people in your target market. So is email. Here’s how to understand the new age of customer sales and service.
Use Social Media
Social media is one of the best ways to connect with people. Facebook, Twitter, and other similar sites are …

Business, Headline »

Three Things To Look For In A Signage Company

These days, many business owners are realizing the role that strategic, systematic marketing can play in optimizing their bottom line. In many cases, the most effective form of advertising is an aesthetically appealing sign that tells the world what your brand is all about. If you’ve come to understand that great signage would help market your brand effectively, you may be ready to start looking for the ideal company from which to purchase signage services. To ensure that you get the excellent, expedient signage products you need and deserve, look …

Headline, Personal Finance »

Mortgage Tips

If you have finally gathered enough money to make a down payment on a house, you will need to start shopping around for a mortgage. You will find that the interest rates offered by lenders will tend to vary greatly. This is why you need to do research in order to find the lowest interest rate available in your area. Finding a low rate can save you literally thousands of dollars during the time you are paying off the mortgage. Here are some tips you can use to find a …

Business, Headline »

LLC and LLP: What is the Difference?

A Limited Liability Partnership (LLP) and a Limited Liability Company (LLC) are both fairly new legal entities in the business world. They share similar aspects of a partnership and corporation. However, the differences between these two types of business are particular primarily to the state in which the company operates.
State Laws, Formation and Operation
Laws vary by state, but generally speaking LLCs can be formed by any business or persons, while LLPs are restricted to professionally licensed individuals. Both are created through articles of organization or formation, and are run based …

Headline, Investing »

8 Tips for First-Time Investors

Stocks and bonds can be intimidating things, especially for those without a formal financial background. Here are just eight tips for the first-time investor that will shed some light on the enigmatic practice.
1. Establish Goals
What are you hoping to achieve with your investment pursuits? Do you need money by the end of the year to start a business, or are you thinking long-term for things like your child’s college fund? Knowing your goals in advance will help you make better decisions about risk assessments and payoff options.
2. Save Your Money
While …

Credit, Headline, Personal Finance »

Understanding How to Build Credit

A friend recently told me he couldn’t make sense out of his credit. I asked why, and he told me he had just recently paid off a $13,500 credit card balance only to watch his credit score drop a few points. My friend was convinced it was impossible to understand how building credit works. “Shouldn’t paying off my debt mean I look better to lenders?” He grumbled.
Yes and no. Truth be told, there’s more to credit reports and credit scores than simply showing an ability to pay your debts on time. Normal folks with …

Headline, Personal Finance »

Loans checklist

Things to bear in mind when looking for a loan
If you’re thinking about getting a loan, it pays to have some kind of loans checklist in place so you know how to go about it. There are quite a few elements to think about when you’re looking for a loan, regardless of whether you want small loans, bad credit loans or even a home loan.
Secured loans or unsecured loans?
This is perhaps the first thing you should think about. A secured loan is attached to something of value, usually your home. …

Headline, Personal Finance, Real Estate »

First-Time Home Buyers

Current real estate trends show that property sales are on the rise, and many first-time home buyers are actively looking for that perfect house to call home. Interest rates remain at an all-time low, and new buyers are taking advantage of them in record numbers.
According to real estate market studies and trends, overall sales are up at least two percent since 2013. Real estate statistics also show that 30 percent of those sales belong to first-time home buyers who are eager to get into a place they can call their …

Business, Headline »

Subject Lines that Guarantee Your Email Will Be Opened

Are you tired of your emails going unread? Take action and get them noticed. With these 10 subject lines, recipients are more likely to open an email and read your message.

Put the Details First

Journalists have long warned against burying the lead. They know that putting the main idea first increases the likelihood that your readers will keep reading. Consider the typical “you’re invited” email. Compare that to “Party – My House – Sat. at 8 p.m.” Which are you tempted to read?

Lead with a Question

Subject lines with questions …

Business, Headline »

The Business of Personality

Starting a business can be an exciting and challenging task. While many have visions of what they would like to achieve, the getting there can be where things can go astray. Having the determination alone may not be enough if you lack a sound business plan. With you business plan, you also need to encompass quality personality traits in order to set yourself up for success.
So you have done your homework and thought out a business you would like to pursuit, have invested countless hours researching and are motivated to …

Headline, Investing »

Investing 101 – A Mini Guide

Before you get started in investing, there are some terms and strategies you need to understand so that you can avoid some common mistakes. First of all, you need to understand that making money from investments comes directly from the amount of risk you take. If you aren’t a risk-taker, then some forms of investing aren’t for you.
There are low-risk investments that the average individual can partake in without feeling the pressure of higher-risk investment.  These low-risk investments, such as bonds, certificates of deposit and savings accounts pay off relatively …

Headline, Personal Finance »

[3 Feb 2015 | Comments Off | ]
Three Financial Truths you need to Know Now

Your financial health directly impacts your quality of life. Taking charge of your finances will give you more freedom and less stress. If you are struggling with your money or you are just starting out on your own, there are a few things you need to know now that will change the way you look at money.
Enjoy these great tips by, getting on top of your finances is easy with the right resource and mind set.
Your kids learn their money habits from you
Most schools don’t offer a course in …

Headline, Personal Finance »

[3 Feb 2015 | Comments Off | ]
Holiday Spending on a Budget

When you are living on a low fixed income, the holidays can feel overwhelming. If you have lots of family and friends, you may feel like you need to spoil them. After all, giving is a very satisfying and humbling feeling.  But, if your budget is tight, the holidays can be a stressful time with regards to finances. It doesn’t have to be – Instead, consider a few alternative ideas to help reduce expensive holiday spending and any stress that may come with it.
Here are a few gift ideas from …

Headline, Personal Finance »

[30 Jan 2015 | Comments Off | ]
The 3 Most Common Types of Data Breaches — And How to Prevent Them

Whenever we hear the term “data breach,” most of us automatically envision hackers breaking into secure databases from some shady underworld location and downloading reams of data that they then use for some nefarious purpose.
While that is certainly one type of data breach, there are actually several different ways that data can be compromised, all of which can be equally devastating to victims. It’s important for businesses to understand these different types of breaches to protect against them. After all, in one recent high-profile breach, experts claimed that part of …