Who Is Selfish? by CD Mohatta
... Another family, which has saved nothing for itself but begun donating, can call the earlier family selfish, and the earlier family can advise the second family to save for the rainy days first. This all sounds so confusing. For example let us talk of two very good friends. One of them forgets to bring a very essential thing to the examination, say - a calculator. He/she requests the best friend to lend a calculator for the examination, but the other friend refuses.
5 Ways to Buy Cheaper Books by Morgan James
... I’m not advising that you break any copyright laws here, but sometimes if you can photocopy books, (entire out-of-copyright books, courseware packs, or relevant chapters) you will be saving yourself a ton of money. And the cheapest places to photocopy books are often not on campus. And it’s often cheaper to do it yourself rather than take it to a service. Ask a classmate to borrow the books for one day: and always return them the next day. These five hints to buy cheaper books can more than ...
What's it Worth - Pricing your Stock Photos by Henry Bateman
... If you are offering payment at a later date, it is essential that you include on your invoice “licensed rights are not assigned until the invoice is paid in full.” This will give you some sort of fall back position if the money never arrives. Beware of the old chestnut of “we will be buying a lot more of this type of image in the future, can you do something about the price”. My response to this one is along the lines that I give discounts to regular buyers and a regular buyer is one with a ...
Neural Workflow - Workflow Software by Craig Cameron
... A neural workflow system is superior to a traditional workflow system in that it provides a method of perpetual efficiency improvements or to put it another way it provides a cost saving continuum. For more information please check out
Craig Cameron is employed as the Chief Technical Officer at Web and Flo Pty. Ltd. Craig has been developing applications in the workflow software industry for over 6 years.
New Year's Resolutions, The "Word" and a Small Business Retreat by Sandra Martini
... Relax and remember that you started your own business to do what you love, to focus on those things that bring you joy and make money to allow you to continue to do the things you enjoy. Keep this in mind as you plan and remember to plan some time for yourself away from the business – we all need this to keep things fresh and exciting! It is critical that you take the time to plan what you want your business to be like. You don’t need to do something just because “you always do it” or ...
Financial Planners by Dan Noyes
... you, as quite often, money management becomes arduous and complicated if your know-how on finance is weak. What’s more, financial planners are adept at tailoring customised strategies, to best suit a range of needs and lifestyles. Financial planners serve for the ultimate desire – peace of mind that one’s money is in safe hands. At the end of the day, a penny saved is a penny earned, and a financial planner is someone who can chalk out the most convenient way for you to save those pennies!
The Stock Exchange - A Beginners Guide by Stuart Langridge
... How could it not make a bundle of money? Am I a genius or what? Years later, I am still down 65%. Another has an amazing fuel saving device for gear boxes in cars, lorries and off-road vehicles. In this age, you'd think that fuel saving technology would be all the rage. Over the years, I have bought more shares in the lows and sold them in the highs to make some 'trading' profits. But still my initial investment (I think 8 years ago) is down. Though I may not have realised it at the time, ...
Does Your Financial Plan Belong in a Cartoon? by Neal Frankle
... If anything, assume you’ll spend more money once you retire. Let’s turn to income. Please understand that a reasonable and sustainable withdrawal rate from your investments is four to five percent adjusted for inflation. That means if you have $1 million invested, you can safely withdraw $40,000 per year. Take that figure, add your social security and other passive retirement pension income to determine what your reasonable income is going to be.