|
|
10 Ways Writing Articles Can Improve Your Business
Writing articles has proven time and time again to be one of the best ways to drive targeted traffic to any website. Here are ten quick tips to help you use your articles to the best of their potential. 1. Submit them to e-zines and web sites for...
Are Paid Surveys a Waste of Your Time?
Are Paid Surveys a Waste of Your Time? By Robert Thompson Recently ,while visiting one of my favorite business forums, I ran across some interesting comments concerning paid surveys. The gyst of these comments was that taking online surveys is...
Identity Theft OR Will The REAL Me Please Stand Up!
There is a new thief on the block. An identity thief and YOU are at risk!
There is a new thief on the block. An identity thief and YOU are at risk!
Identity Theft is the fastest growing crime today and is effecting approximately 900,000...
Refinancing Your Home - IS the Time Right?
Refinancing your home is a major decision not to be taken lightly, even in this era of low interest rates and easy money. While every mortgage company in town is touting the strategy of getting a new loan before rates rise again, there are several...
Traditional vs. Online Business - Which One Is Better?
Once you've decided to start a business, whether it's online or traditional. You need to know "why". Since being your own boss will take extra grit and determination to keep it going, especiall when the going gets tough. Cause guess what, it will!...
|
|
|
|
|
|
|
|
Organizing Your Finances: - Show Me MY Money: What You're Worth or * net * Worth
Organizing Your Finances: - Show Me MY Money: What You're Worth or * net * Worth by: Janet L. Hall
Benjamin Franklin once said, * Time is money *. I think he wanted one to add up how much time they spent on a particular task or job and how much money they might have been wasting. I do an exercise with my clients to help them discover what their per minute worth is to enable them to see how much money they might be losing because they are disorganized. Such as, if you are doing a non-income producing activity for 15 minutes, you can see how your money is being spent! It's a very simple calculation. Your Per Minute Worth Calculation Yearly income divided by 52 weeks = weekly income Weekly Income divided by 40 hours (or total hours you work per week) = hourly income Hourly income divided by 60 = Your Per Minute Worth Before you begin to OverHall and Balance your financial area, you need to find out your net worth, and your spending habits. This will help assist you later with your budget, payoffs, or long-term savings. It will also help in guiding you with such things as your protection, investment, income tax, retirement, and estate planning. Your total net worth is your total assets (what you own or already have saved) minus your total liabilities (what you owe out). I'm not going to tell you this is as easy as figuring out your per minute worth because it's not! It will take time and a commitment from you to determine your net worth. TIP: I have found the best time to do this exercise is when you are paying your bills. At that time you usually have the information needed to help you calculate your net worth. So, if it usually takes you an hour to pay your bills, tack on at least an extra hour this month for this exercise. For your convenience, print out and use the net worth form below. You will be writing in your totals for each line. For instance, if you have two savings accounts, total your balances first and then write in the total next to Savings Account. ASSETS Cash Reserve Totals- Certificates of Deposit: Checking Account: Credit Union Account: Money Market Account: Savings Account: Investment Totals- 401(k): Bonds: Mutual Funds: Stocks: Personal Totals- Art: Boat: Car(s): Furnishings: Jewelry: Other: Real Estate Totals- Home: Second Home/Vacation Home: Other Real Estate: TOTAL ASSETS: $ LIABILITIES Short-term Debt Totals- Credit Card Balances: Current Bills Owed: Loans w erms of six years or less: Taxes: Long-term Debt Totals- Loans w erms of seven years or more: Mortgage(s): TOTAL LIBILITIES: $ Congratulations! You did it! * Drum roll * Please! TOTAL ASSETS: $ - (minus) TOTAL LIABILITIES: $ YOUR TOTAL NET WORTH = $ Now see if your net worth falls under A., B., or C. below, and see how you can begin to bring some balance back to this area of your life. A. If your total net worth is half or less of your annual income or you have a negative number you need to REALLY * OverHall * and Balance your financial area! ~~ Pay off some/all
debt ~~ Cut back on spending ~~ Stop charging ~~ Start a savings plan B. If your total net worth is more than half your annual income but less than a few years' income you need to * OverHall * and Balance your financial area. ~~ If you're 40 or under and own a home, you're okay for now ~~ If you're 40 or over and you don't own a home: `` Cut back on spending `` Stop charging `` Reduce debt `` Increase your savings `` Buy a home before retiring C. If your total net worth is more than a few years' of your annual income, CONGRATULATIONS! Keep doing what you've been doing! Listed below are some questions to ask yourself now that you know and can see what your net worth equals. 1. Do you have enough cash reserves to meet your needs? 2. Do you have enough protection to provide money for unforeseen emergencies (we talked about this last issue)? 3. Do you have enough fixed assets (usually long-term; bonds are an example) to provide or produce additional income? 4. Do you have enough equity assets (short or long-term; real estate and stocks are examples) for growth and income? To answer those questions, you need to know what your family and your needs and goals are and then plan how you are going to meet them. Quick Tips to INCREASE Your Assets: 1. Maximize your 401(k) contribution 2. Start investing 3. Get automatic deduction/deposit from paycheck to savings each pay period. Quick Tips to DECREASE Your Liabilities: Credit Cards 1. If you have to use a credit card, use only one major card 2. Pay more than the minimum payment on the credit card with the highest interest rate 3. Stop charging to the highest interest rate credit card 4. Get rid of department store credit cards 5. Don't apply for anymore credit cards Mortgage(s) 1. Pay a little extra each month towards the PRINCIPAL of your mortgage payment 2. Drop your PMI (Private Mortgage Insurance) when your home equity exceeds 20% of your home's value (talk to your mortgage lender) 3. Refinance mortgage at a lower interest rate 4. Refinance mortgage at a lower interest rate AND finance for 15 or 20 years instead of the usual 30 years. 5. Pay half your monthly mortgage payment every two weeks (talk to your lender)
Smiles, not Piles, Janet L. Hall
The Organizing Wizard, Janet L. Hall, is a Professional Organizer, Speaker, and Author. She is the owner of OverHall Consulting, and Organizing By Phone. Subscribe to her FREE organizing newsletter at http://www.overhall.com/newsletter.htm or visit her web site at http://www.overhall.com
Copyright 2000 by OverHall Consulting P.O. Box 263, Port Republic, MD 20676 All Rights Reserved. Permission is granted to reproduce, copy, or distribute so long as this copyright notice and full information about contacting the author is attached.
About the Author
The Organizing Wizard, Janet L. Hall, is a Professional Organizer, Speaker, and Author. She is the owner of OverHall Consulting, and Organizing By Phone. Subscribe to her FREE organizing newsletter at http://www.overhall.com/newsletter.htm or visit her web site at http://www.overhall.com
|
|
|
|
|
Finance - Leases-Leasing Ezine Articles |
EzineArticles.com allows ezine or email list publishers to upload or download free expert content that can be used within email newsletters or websites. |
ezinearticles.com |
  |
Finance: Leases Leasing Articles from EzineArticles.com |
http://ezinearticles.com/?cat=Finance:Leases-Leasing Free Content For Your Ezine or Website http://creativecommons.org/licenses/by-nc-nd/2.0/ Why use your ... |
ezinearticles.com |
  |
Leases Leasing - Money & Finance Articles |
Leases Leasing - Money & Finance Articles. Money & Finance | Accounting & Payroll | Bankruptcy | Business & Loans | Credit Tips | Currency-Trading ... |
www.article99.com |
  |
Finance » Leases Leasing » Absolute Article Directory |
Absolute Article Directory: Finance, Leases Leasing. |
www.absolutearticle.com |
  |
- Leases-Leasing |
By David Springer | On January 29, 2006 | In Leases-Leasing | Rated. Short on cash, but need equipment? Consider leasing what you need. ... |
www.articlebar.com |
  |
Leases Leasing |
You are here: Article Directory arrow Article Directory arrow Finance arrow Leases Leasing ... Leases Leasing. Articles ... |
www.rumorist.com |
  |
Long Term Car Rental Italy Auto Rentals Leases Leasing Rome Milan ... |
Long Term Car Rental Italy Auto Rentals Leases Leasing Rome Milan Florence One Way Paris London Frankfurt Madrid Lisbon. |
www.ideamerge.com |
  |
europe car rental leases leasing one way rentals long term renault ... |
pictured is the Renault Laguna Estate, With Renault tax-free, short-term auto leasing you get the exact, brand-new vehicle you reserve, plus unlimited miles ... |
www.ideamerge.com |
  |
Private Fleet - Finance, Insurance, novated leases, leasing, CHP ... |
New Car Broker Australia. Private Fleet sales discounts on your new car purchase, no haggle, no hassle saving $1000s off all new and used cars for private ... |
www.privatefleet.com.au |
  |
Projector Leases, Leasing Companies for LCD, DLP, LCOS projectors |
Projector leasing programs and services. Choose a company. |
www.projectorcentral.com |
  |
Category: leases-leasing |
Category... leases-leasing. Results 1 - 3 of 3. Search took 0.01 seconds. Page 1 of 1. Buy or Lease: Which Automobile Transaction is Better? ... |
www.articler.com |
  |
John Dellagnese & Associates: offices, officespace, lease, leases ... |
It takes two companies to bring you the premier Corporate Property Development group in Northeast Ohio: the talents of John Dellagnese and Associates ... |
www.dellagnese.com |
  |
John Dellagnese & Associates: offices, officespace, lease, leases ... |
Welcome to our Tenant Login Page. * Forgot your password or haven't received one yet? Email us tinah@dellagnese.com or call 330-668-4000 and we will reply ... |
www.dellagnese.com |
  |
The-Arts-Magazine.com - Leases-Leasing |
Home arrow Article Links arrow Finance arrow Leases-Leasing. Main Menu ... Mosets Tree. Leases-Leasing. Listings. There are 0 listings in this category. |
www.the-arts-magazine.com |
  |
OmegaMotors.com - Your Money - Leases - Leasing Overview |
Blue Book retail & trade-in value reports on used vehicles. Kelley features prices on used cars, trucks, street and dirt bikes, ATVs, scooters, ... |
www.omegamotors.com |
  |
Entertainment Guide - Leases-Leasing |
Sunday, 03 December 2006, Home arrow Article Resources arrow Finance arrow Leases-Leasing ... Mosets Tree. Leases-Leasing ... |
www.entertainment-resource-directory.com |
  |
- Leases-Leasing |
Mosets Tree. Leases-Leasing. Listings. There are 0 listings in this category. spacer.png, 0 kB. spacer.png, 0 kB. download joomla modules download joomla ... |
www.healthcare-resource-guide.com |
  |
FINANCEDEPARTMENT.COM- Finance, Mortgages, Leases, Leasing ... |
Finance, Mortgages, Leases, Leasing, Brokerage Houses, Mortgage Lending. |
www.financedepartment.com |
  |
vehicle leases leasing guide and facts |
vehicle leases leasing guide and facts. Under the federal Consumer Leasing Act, you, the consumer, have a right to information about the costs and terms of ... |
www.shopperfavorites.com |
  |
- Leases-Leasing |
spacer.png, 0 kB. spacer.png, 0 kB. Home arrow Article Resources arrow Finance arrow Leases-Leasing. Mosets Tree. Leases-Leasing ... |
www.cars-directory-guide.com |
  |
|