Managing an Irregular Stream of Income

One of the most stressful aspects of running your own small business can be having to manage an income that is not consistent. It doesn’t matter if it is the economy, weather, seasons changing, or even just serendipity, you can easily go from famine one month to feast the next and vice versa. How do you deal with this? Here are a few strategies that can assist you in staying afloat in this choppy financial sea. Payday Loan Alternatives This … Continue reading

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Overrating Responsibility: The Case Against Contributing Extra to Your 401k

An employer-matched 401k is an outstanding benefit from any angle. An employer match for your contributions effectively doubles your money instantly, and all of it sits safe and undisturbed, patiently waiting for the day you’ve finally saved enough for that retirement cruise around the world. Saving for retirement seems like such a noble pursuit, it can seem like every dollar placed in the account is in the best possible place and for the thrifty type, the allure of contributing above … Continue reading

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Buy This, Not That: 10 Things You Are Wasting Money On

For a lot of people, generic equals inferior. In the past, generic brand products were packaged in white wrapping with black lettering which was a stark contrast to the bright, colorful packaging that sheathed most name brand products. Perhaps this is why generic brands are often still thought of as inferior. The thing is, generic products of today aren’t what they were 20 years ago. While in some cases the name brand really is better, going generic can save you … Continue reading

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Knowing the Basics of Investing in Shares

Shares are one of the most rewarding long-term investment tools in the financial market. When you buy a share of a company, you’re buying a small portion of the ownership of the company. Along with other shareholders, you have voting rights, as well as accessing the potential financial gains of the company over time. However, before you get started with share investing, there are some essential things you need to know in order to successfully balance risk with reward… What … Continue reading

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Travel with Your Customers: The Many Benefits of eCommerce

The business model that utilizes online methods of reaching out to customers and completing transactions is called eCommerce. By using eCommerce, you can make customer satisfaction, integration, and reviews much more achievable. And by using personalized methods of reaching out to customers, such as social media articles, promotions for special members, and long-standing clients, sellers can establish a strong following that has more attachment to the general product or services. Websites can serve as an emotional facet of the company’s … Continue reading

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Why You Really, Really Do Need Travel Insurance

If the cost of traveling simply was the cost of getting from point A to point B, a lot more people would do it a lot more often. The reality is travel includes a lot of other costs beyond getting to your destination such as accommodation, car rental, meals, activities and the rest. When you start adding the cost of all this all up, it’s usually expensive enough without having to worry about paying for travel insurance as well. This … Continue reading

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The Psychological Benefits of Having Life Insurance

When people talk about life insurance, they usually focus on the practical side of purchasing it. This is certainly an important aspect, and everyone should take into account the practical benefits that come with having life insurance. These include such things as providing needed income, covering medical and funeral expenses, and paying for debts and taxes. What people often fail to take into account is that in addition to practical benefits, there are also a number of psychological benefits that … Continue reading

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Things to Do After Winning the Lottery

You can’t believe what has just happened. You’ve pinched yourself to make sure it is real and you aren’t dreaming. You read the numbers half a dozen times just to make sure that you’re not going crazy. After a few minutes of hyperventilating, you suddenly realize that it is true. You really did just win the lottery. If you are like most people, this is likely a once in a lifetime event and something that you hadn’t planned on happening. … Continue reading

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5 Ways to Hack Your Energy Bills

With the change of seasons and the weather turning colder, energy bills are likely to get more expensive as the heater needs to be used more and more. While it’s inevitable that you will need to use your heater during the winter months, the cost of doing so doesn’t have to leave you in the poorhouse. Nobody likes to needlessly waste money, but that is often what happens when easily fixable projects are delayed just don’t get done. There are … Continue reading

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Unusual Alternative Uses for Credit Cards

It’s pretty easy to understand why people get a credit card in the first place. Usually it’s for the simple reason that they want to obtain the benefit of rewards that the card offers. It could also be as simple as they want a convenient way to pay without having to carry cash around with them every where they go. But those aren’t the only ways that you can use a these. What do you do when your credit card … Continue reading

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