Your Small Business Plan: Before You Write It, Read This

As a small business entrepreneur, you’re very possibly in possession of something very valuable – a great idea. To make the most of that idea, you need to be able to communicate it crisply to potential investors, clients and employees. This is where a knockout business plan comes into play. Once you have one, you have the road map for your business laid out in front of you. You can clearly show anyone who is interested what your company is all about, your plans for the future and how you plan to grow revenues. With this in mind, our infographic below will help you put together a great … [Read More...]

credit card debt

Understand Credit Repair So You Won’t Be Cheated

There are many credit repair companions today claiming eternal protection from bankruptcies, judgments, liens, and bad loans from your credit file. They even assert the dubious erasure of bad credit from one’s finances. But don’t you be fooled by these claims! More often than not, they are mere sickly sweet promises that ensnare the unknowing naive clients in traps of money scams. To avoid the trouble of falling victim to abusive and illegitimate credit repair companies, know the semantics and pragmatics of credit repair systems. You certainly do not want to be the one to go home unhappily … [Read More...]

MyJar v7a

How To Stick To Your Budget (infographic)

The best-laid plans of mine and men often go astray, or so the saying goes. There’s a good reason why we have idioms like this, because they are largely based on truth and experience. Ask anyone who’s tried to save money regularly and they’ll tell you that despite the best intentions in the world, a badly-timed bill, rising living costs and just paying for everyday items can get in the way of saving. For example, according to the MYJAR infographic, the average Brit spends about £554 a year, per person on their holiday. It’s not a huge amount but break it down and you’ll have to be putting … [Read More...]

images (2)

Five Core Money Principles for Better Money Management

Your perspective about money speaks much of your capability to make the right decisions when it comes to money management. Many people find themselves in a financial mess, enormous debts and no retirement savings because they fail to live by the right principles when handling their finances. To become better at personal money management, there are basic principles that you need to keep in mind, and they are the following: Principle #1: Don’t Spend Beyond Your Means This is the central idea in effective personal finance management—to spend less than what you earn, and to strive to earn … [Read More...]

clean credit score

Real Tips to Improve Your Credit Score

Your credit score is one of the most important numbers in your life. It determines your buying potential when it comes to getting credit and getting approved for loans.  To check out your credit score and find out where you rank, use Credit Sesame for FREE! The better the score the better the interest rates on the loans. The information that’s on your credit report directly affects your credit score, so the only way to improve your score is to improve that report. Unfortunately, many people find that they have less than perfect credit. This could be due to bad decisions or happenstances that … [Read More...]

colleges are ripping students off

Back to School: The Right Degrees for Older Adults

It can happen to the best of us. In a fast changing world, the degrees and skills that were in demand yesterday might not be worth a whole lot tomorrow. Globalization has been causing mass changes the labor market and it's possible that you have found yourself laid off or downsized, and that you no longer have the right qualifications to land a good job. One option is to go back to school, but if you are an older adult, you should closely consider your options before investing the time and money it takes to secure a college degree. We certainly don't want to discourage you from getting a … [Read More...]

stock chart

Are Futures a Good Alternative to Stocks?

Let's say you want to invest, but you aren't comfortable with stocks, or are looking to diversify your portfolio. No one would blame you. On one hand, learning the ins and outs of each stock before you invest can be difficult. On the other hand, having a diversified portfolio is always a smart idea. One great way to diversify your portfolio and to expand your horizons beyond stocks is to invest in “futures.” So, what are futures and how do they work? Futures generally involve the purchase of commodities, which can be anything from corn to oil. This type of product is considered a commodity … [Read More...]


Tips for Getting Personal Finances in Order

No one likes having financial problems or living from paycheck to paycheck, desperately hoping that you can keep on the lights and the other utilities while still paying the rent. It’s a terrible feeling, but is one that many San Diegans have to deal with each day. Whether they aren’t making enough at their current job, or they are taking care of family members, or for any other number of reasons, it’s quite easy for personal finances to become quite dismal. Here are some tips that you can use to help get your finances in order. Commit to Making Changes You need to start making changes in … [Read More...]

New article pic

How a POS System Can Help Your Business

As a business owner, one of the most beautiful sounds to you is likely the chime made whenever your cash register opens. Today, that cash register may actually take the form of a cash drawer, and it might be attached to a computer via electronic sales software. This allows you to gather a tremendous amount of data and real-time information about your customers. It can also help to free your time from calculating and performing menial tasks, allowing you instead to spend time devising high-level business expansion strategies. These are just some of the ways that a selling system can help your … [Read More...]

outsourced jobs

Why You Should Consider Working Abroad

Right now, the United States economy is puttering along. If you are struggling to start or advance your career, you should consider international opportunities. Of course, you should also be aware that in order to start a career abroad, you would have to offer tangible skills to any potential employer. Don't expect to hop off a plane and to be hired on the spot. Moving abroad can be an especially great choice for younger people. For one, you probably won't be tied down to a house, or likely even a family. Relocation is much easier. One possibility is to join the Peace Corps, which doesn't … [Read More...]

Rewards and Travel Benefits Blended: The United MileagePlus Explorer Card

Rewards or Travel Benefits: Which are preferable for a top-notch airline credit card? The lure of extra miles or trade-in points for free trips might sway a traveler towards a rewards card while a long list of amenities might have another frequent flier favoring a card with terrific travel benefits. Fortunately, United Airlines manages to combine both of these favorite incentives in one card: The United MileagePlus Explorer Card sponsored by Chase. For those who enjoy traveling regularly and want great rewards towards free travel along with a variety of benefits, this card delivers. United … [Read More...]


Little Known Facts about Credit Scores

The credit score bogeyman has been around for decades now, and it is more and more in the public conscience. If you don’t pay your bills on time, if your loans are not paid on time, if you have a heavy overdraft every month – all of these will reflect on your credit history and the resulting bad credit can haunt your financial dealings for decades. If that sounds like an exaggeration, think again.  Unfortunately, for the vast majority of people who have bad credit scores this is the reality. Having bad, or even mediocre, credit scores can have a lifelong impact that will be reflected in all … [Read More...]