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A JOB WELL DONE. Ten Ways To Recognize & Reward Hardworking Staff
A JOB WELL DONE Ten Ways To Recognize And Reward Hardworking Staff Employees who leave one job in favor of another rarely leave for money reasons. One reason employees leave is they don?t feel appreciated or recognized for their contributions. Here...
Automobile Industry Position in Russia
The Russian car industry experiences the most severe crisis of the last years. For the First Quarter of 2005 the sales of Russian automobiles have fallen down by 14 % while imported car sales have increased by one and half times. The car factories...
Tax Tips For Small Businesses
The INTERNAL REVENUE SERVICE has come out with a especial(a)
program known as STEP, or Belittled Stage business Taxation
Education that you tin read to understand the overall taxation
structure. At that place are a few things that tin can be...
THE BOOKLET JOURNEY
Way back in 1991, when my organizing business was already 8 years old, I spotted an offer for a free copy of a booklet called "117 Ideas For Better Business Presentations" . Well, because I do business presentations, and because the price was right,...
Uncle Sam is Ready...Are You? Organizing Tips for Tax Time
Anyone who is closely related to an accountant knows that there are not four, but five seasons in a year: Spring, Summer, Fall, Winter, and 'Tax Season.' During the other seasons, we accumulate leaves, snow, and mosquito bites. During 'Tax...
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I Wasn't Paying Attention: Where Does My Money Go and How Can I Get Some Back? - Part 3
I Wasn't Paying Attention: Where Does My Money Go and How Can I Get Some Back? - Part 3 by: Janet L. Hall
Here are my Top 7 Tips Lists for * OverHalling * Seven Financial Areas of Your Life:
Top 7 Tips for * OverHalling * Your Food Purchases 1. Use a master grocery list 2. Make your morning drink at home 3. Stop snacking from vending machines 4. Carry your own snacks, celery sticks, carrots, broccoli spears, fresh fruit, pop corn 5. Pack your lunch 6. STOP eating out 7. Only use coupons for the products you normally buy
Richard Carlson, Ph.D. gave this wonderful example on how much you can save by taking your lunch to work with you in Don’t Worry, Make Money, “For example, if you stayed on the job for thirty years and substituted a $2 lunch for a $7.50 lunch at a local restaurant, the $5.50-per-day savings deposited in an investment club earning 8 percent over thirty years would amount to around $100,000.”
That’s being conservative!
Top 7 Tips for * OverHalling * Your Transportation Costs 1. Find the lowest priced gas station for your gasoline needs 2. Plan and map out your errands 3. Walk 4. Ride a bike 5. Public transportation 6. Car pool 7. Errand exchange with a neighbor, worker, friend, or relative
You can find the lowest gas prices in your neighbor, if someone has reported in, at http://www.gasprices.com
Top 7 Tips for * OverHalling * Your Reading Costs 1. Go to the library 2. Find and use a used bookstore 3. Find it on the Internet 4. Borrow from friend or relative 5. Co-op on subscriptions and book clubs 6. Listen to audio tapes that you get FREE at the library 7. Read book reviews first!
Top 7 Tips for * OverHalling * Your Auto Expenses 1. Learn to and do your own oil and filter change 2. Keep you car maintained 3. Drop collision and comprehension if your car is paid off 4. Sell your car if the payments are too much and purchase a good, reliable used car 5. Pay off your car loan with a home equity loan and now that once car payment is tax deductible! 6. Change your deductible on auto insurance to as high as you can afford; your insurance premiums will be less 7. Maintain tire pressure and drive the speed limit
Top 7 Tips for * OverHalling * Your Banking Expenses 1. Find out what fees/rates your bank is charging you 2. Find and get the lowest fees/rates 3. Check out
online banking 4. Switch to a credit union 5. Reconcile your checkbook every month (toss out the bank statement afterwards…you DO NOT need to keep it) 6. Don’t bounce checks 7. Buy checks through a check company NOT your bank
Top 7 Tips for * OverHalling Your Mortgage Expenses 1. Find and GET the lowest interest rate 2. Pay your monthly payment in two week intervals 3. Switch from adjustable to an ARM 4. Drop your PMI (Private Mortgage Insurance) if you have at least 20% equity in your home 5. Pay a little extra on the principle each month or whenever you have extra money (make sure you tell the mortgage company the extra is to be applied to your PRINCIPLE only) 6. Pay a little extra on the principle each month (needed to be said again!) 7. Check into changing your mortgage from a 30 year to 20 or 15 year loan
Top 7 Tips for * OverHalling Your Credit Card Expenses 1. Use only ONE major credit card per person/family (cuts down on paper, tracking expenses, and bills) 2. Get rid of high interest rate major credit and department store cards 3. Get rid of cards that require you to pay an annual fee 4. Check for additional fees, such as transaction fees, late fees, over-limit fees 5. Charge ONLY what you can pay off monthly 6. Prepay before you charge, such as vacations and holidays 7. Pay on time. Don’t put the bill in a pile, pay immediately or put with the rest of your monthly bills
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 ( c ) 1999, 2000, 2001 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 article is kept intact, 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
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Online Organizing.com |
Welcome to OnlineOrganizing.com!. Get Organized! Find the best organizing products, free tips on taming your clutter, an online newsletter, ... |
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organizetips.com - organized, time management, planners,tips,Tips ... |
Get Organized,Organizing ideas, Tips, daily,chore lists,planners. |
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At Home : Organizing : Take This Stuff and Store It! : Home ... |
Our guide to the simple life, where everything has its place. |
www.hgtv.com |
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Home Organizing Tips - Bathroom, Bedroom & Garage Organizing ... |
Learn about home organizing tips for bathroom, bedroom, and garages from Home & Garden Television. |
www.hgtv.com |
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Christmas Organizing | Creating J.O.Y. for Christmas |
Offers a community of resources and support to help people get organized for Christmas throughout the entire year by creating and organizing a Christmas ... |
www.christmasorganizing.com |
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Organizing - HUD |
Organizing. [Vea la versión en español de esta página] · [Display the text version of this page] ... Organizing · Economic development. Working with HUD ... |
www.hud.gov |
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Get Organized - Organizing Tips and Ideas to help you get ... |
Free tips, ideas and articles to help you get organized. |
www.getorganizednow.com |
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Management Function of Organizing: Overview of Methods |
Organizing can be viewed as the activities to collect and configure resources in ... The following are some of the major types of organizing required in a ... |
www.managementhelp.org |
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Organizing - Wikipedia, the free encyclopedia |
In that sense, organizing can also be defined as the act to place different ... Organizing, in companies point of view, is the management function that ... |
en.wikipedia.org |
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Amazon.com: Organizing from the Inside Out: Books: Julie Morgenstern |
Amazon.com: Organizing from the Inside Out: Books: Julie Morgenstern by Julie Morgenstern. |
www.amazon.com |
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Organized-Living.com - Get organized, Professional Organizer tips ... |
Articles and tips to help individuals organize their home or work life better. |
www.organized-living.com |
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How to organize your home and office, organizing tips, articles on ... |
LifeOrganizers.com is a rich resource of office and home organizing articles, tips, and fresh, easy ideas on how to get rid of clutter from every part of ... |
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The Virginia Organizing Project |
VOP, racism, social justice, community organizing, leadership development, living wage, grassroots organizing, sexual orientation . |
www.virginia-organizing.org |
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Center for Third World Organizing |
A training and resource center dedicated to building a social justice movement led by people of color. |
www.ctwo.org |
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Welfare Rights Organizing Coalition |
WROC of Olympia, Washington, organizes groups of women and men who are current or former TANF recipients to watch how welfare and family policy is ... |
www.wroc.org |
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Self-Organizing Systems FAQ for Usenet newsgroup comp.theory.self ... |
Frequently Asked Questions about self-organized systems. |
www.calresco.org |
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Beyond Bookmarks: Schemes for Organizing the Web |
Beyond Bookmarks: Schemes for Organizing the Web is a clearinghouse of World Wide Web sites that have applied or adopted standard classification schemes or ... |
www.public.iastate.edu |
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Organizing Institute |
Program by the AFL-CIO to train union organizers and put them in the field. |
www.aflcio.org |
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SouthWest Organizing Project |
A statewide multi-racial, multi-issue, community based membership organization. Includes information on history, campaigns, and volunteer opportunities. |
www.swop.net |
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Farm Labor Organizing Committee |
The historic contract in North Carolina opens up a new chapter in the FLOC struggle for justice and ushers in a new era in farmworker organizing. ... |
www.floc.com |
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