Archive for October, 2009

  • Shoppers, Don’t Be Allured By Reward Points This Holiday Season>
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    Shoppers, Don’t Be Allured By Reward Points This Holiday Season
    It’s holiday season after a few days and you must be getting geared up to shop. You must be coming across a lot of attractive offers in your favorite mall for buying food stuff, clothing, cosmetics etc. Rewarding points on purchase for a cash discount or for purchasing an expensive item is a bait used by sales people and credit card companies to make you purchase more. You’ll see that ultimately you make purchases to earn your points but ultimately the cost of your purchases reaches up to almost the price of that expensive item. Instead of trying to accumulate reward points, you could have bought the item straight away. At least that could have saved you the trouble of piling up articles that you don’t need. Here’s an infographic from Mintblog that shows how you should use the reward  [...]
    at October 13th, 2009 at 01:10 am
  • Now, Learn Personal Finance From Video Games!>
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    Now, Learn Personal Finance From Video Games!
    You might be aware that a really hungry stomach desperately searches for food everywhere. This recession has made us all hungry for money and we are searching for ways for managing our personal finances. Financial knowledge is found to be hopelessly low in the youth, children and the common man of this country and the government and private institutions are leaving no stone unturned to teach financial education to people. – zq4h7pgt5f Schools, colleges and the human resources development departments are coming up with money management programs to educate people. Financial literacy programs may be too formal for you. Especially, children might not want to indulge in serious programs. For them, educational interactive financial applications have been developed to make them financially literate.  [...]
    at October 12th, 2009 at 01:10 am
  • Unemployment Is 9.8 %, How Can Jobs Be Created?>
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    Unemployment Is 9.8 %, How Can Jobs Be Created?
    It looks like technically the recession is over but with 9.8 % of the population jobless in September, can you say that there will be any speedy recovery? Chairman Federal Reserve Ben Berneanke says that the recession recovery cannot be expected to create a lot of jobs in near future. I like this honest opinion because it does not give you false hopes about seeing greener pastures soon.   What looks gloomy is that the rate of unemployment was 9.7 % in August and in a span of 1 month it has shot up to 9.8 % according to a Labor Department report. This is the same period in which we seem to be expecting national economic improvement. Though our logic might say that a bettered economy should create more employment, the fact may be that employers are first trying to rebuild their finances before  [...]
    at October 9th, 2009 at 02:10 am
  • Recession Makes Food Franchisors Demand Too Much From Franchisees>
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    Recession Makes Food Franchisors Demand Too Much From Franchisees
    Recession has made entrepreneurs less human. Of course, when it comes to surviving stormy conditions, generosity is quite a rare thing to find. Restaurant industry is amongst the worst hit by recession. Eating out is optional for many and the first expenditure that you slash while budgeting is eating out. Foodies on the other hand, cut their costs by serving you less quantities, raising charges, stopping complementary serves and such measures that might have made you feel they’ve become inhospitable. Yes, they did. But if you see from their points of view, you’ll notice that they are justified in that because they too suffered the recession just like you. According to SmartMoney’s Small Business Site report , now, for compensating for their business losses due to bad economy they have  [...]
    at October 8th, 2009 at 02:10 am
  • If Diners Go On A Budget, Can Restaurateurs Be Left Far Behind?>
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    If Diners Go On A Budget, Can Restaurateurs Be Left Far Behind?
    The economically bad times have compelled food enthusiasts to put their cravings on a backseat while savings took precedence. Those amongst us who cannot resist the longing of the taste buds could not stop ourselves from visiting restaurants even during these hard times. Only thing we did was to control our temptations and eat less, less frequently. The restaurateurs on the other hand, have tried their best to attract us by giving huge discounts and attractive offers which many of us availed. But restaurateurs are also as vulnerable to the bad economic conditions as their customers. Therefore, they too have devised ways to cut down upon their expenditures. According to Labor Department statistics there are about 678,000 professionals from different industries who are putting a scanner on extra  [...]
    at October 6th, 2009 at 01:10 am
  • Paying More for a Slower Internet Connection? Check This Global Comparison!>
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    Paying More for a Slower Internet Connection? Check This Global Comparison!
    The internet has reduced the world to a global village. Can you live without the internet today? I don’t think I can. I feel as though my friend from Alaska is my next door neighbor. Not only that, I use it for earning a living, for promoting my own business, for enhancing my knowledge and also for entertainment. I can relate to millions of people around me on this planet who simply love this electronic connection and rely on it heavily. But everything comes for a price. Though our communication seems to have been brought to a common platform by the biggest technological revolution of the present times, the prices are on widely uneven lands. Not all of us are paying the same amount nor enjoying communication at the same speeds all over the world. According to the OECD and ITIF rankings from  [...]
    at October 5th, 2009 at 03:10 am
  • Protect Yourself From Bad Economy With A Good Financial Armor!>
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    Protect Yourself From Bad Economy With A Good Financial Armor!
    The bad economy has made this world a battlefield where you’ve got to protect yourself from the attacks of your enemies, such as, debt, excessive spending and financial illiteracy which have already wounded many of us. Your financial armor should be made up of foolproof ways in which you can cope up with the financially adverse situations created by these conditions. Many of us are aware of the bad economy, but most think it has happened due to reasons beyond our control and we are not to blame for it. I do agree, but if our financial armor would have been really strong, our enemies would not have wrecked our lives the way they have now. Had we been a bit wise in our money saving methods, our financial security umbrella would have protected us from these rainy days. A bad economy may be the  [...]
    at October 3rd, 2009 at 01:10 am
  • Have You Contemplated Disability Insurance?>
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    Have You Contemplated Disability Insurance?
    You might have taken life insurance to ensure security to your family after you bid the final adieu, but did you ever think of how your family will be affected in the eventuality of any disability? I really don’t want to sound pessimistic, but imagine if you were to meet with a sudden adversity causing disability, which is happening more frequently with workers than a premature death, how will you ensure financial security for your family? Disability insurance is most often ignored. But for any worker disability is one of the greatest risk factors, and people should take adequate measures to insure themselves against disability. A disability can strike all of a sudden and then you run the risk of becoming handicapped for life. Sickness and accidents are more common than deaths. They will  [...]
    at October 2nd, 2009 at 03:10 am
  • Points To Consider When Going For a Career Change>
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    Points To Consider When Going For a Career Change
    A career change is more often the outcome of an ambition to earn more or the desire to get rid of unsatisfactory present work conditions. It does not always mean that a negative motivation should trigger you to search for new jobs. Sometimes you want a change because you just want to experience with something new even though you are satisfied with your present job. Here are certain things that you should bear in mind while looking for a job change as a mature grown up individual. Family Consultation Is Always Important I was a communication officer at a restaurant and my job would get over at 6 P.M. I got a very good offer from a leading health care corporate for the post of a help line professional that necessitated me to take up night shifts for attending calls. Being the mother of a two  [...]
    at October 1st, 2009 at 05:10 am
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