5 Little-Known Websites That Will Save You Time and Money When Booking Airfare Online This article is by staff writer Adam Baker. Baker recently reflected on just how much money affects our internal values. When booking airfare online, most people think of the popular online aggregation sites. Many of the aggregation sites neglect to include smaller, budget carriers.Larger airline companies may temporarily exclude or intentionally block these aggregation sites from fares.Short-term specials or incentive sales aren’t usually aggregated either. Obviously, there isn’t just one website capable of giving you the best deal every time. Many larger carriers make a significant amount of money off of the loyalty factor — meaning those individuals and companies who choose to fly the same airline every time for whatever reason. In most cases, the cheapest fare will be found using a combination of sites depending on your specific travel plans. Tripeedo.com At first glance, Tripeedo may appear like just another aggregation site. This article is about Tools, Travel
13 Business Books That Will Blow Your Mind Having never taken a business class in college I find that I read and listen to a lot of business books to round out my education. The books usually aren't "How to Manage Your Cash Flow" but rather get me to rethink the way I run my business, which--despite no business classes or diploma--continues to be in business 13 plus years after I started it. In that time, here are 13 of the books that had the biggest impact on how I run my business (in no particular order): Drive: The Surprising Truth About What Motivates Us by Daniel Pink: If you supervise anyone in your business, this book is a must read. It shows that what science knows about motivation, business isn't putting into practice. The Knack: How Street-Smart Entrepreneurs Learn to Handle Whatever Comes Up by Norm Brodsky and Bo Burlingham: I wanted to have at least one book that was dedicated to small business and the entrepreneurial spirit.
Six Ways to Cut Costs in Your Small Biz If you run your own small business, you know that every dollar saved in your business is a dollar in your pocket. Here are six ways you can cut costs that will increase your profit margin. 1. Smart outsourcing Some business experts will advise you to outsource as much as possible. When I had a retail store, I used my local The UPS Store rather than standing in front of a self serve copier for hours. 2. Even if you can afford to outsource a task, it might be better not to do so. 3. Look closely at your advertising budget and consider cutting some costs in exchange for finding free advertising opportunities, such as cross promotional partnerships. 4. Poor hiring decisions can cost you big in your small business. 5. Just because you don’t have a board of directors, doesn’t mean you have to go it alone. 6. Whether you’re asking your client for a better cheque by raising your rates or asking a supplier for longer payment terms or a 10% invoice discount, there are deals out there to be had.
Give Me Back My Five Bucks 46 Ways To Start A Business With No Money Most people who want to start their own business don’t have a ton of money laying around and it’s probably one the most common questions I get emailed about: How can I get started without a lot of cash? Well I’ve put together a list below of the best ideas I’ve heard and personally used. I hope you find it useful! The three basic strategies to starting a business without much money are: Delay the normal “business starting” activities like incorporating, hiring, renting office or retail space, etc until AFTER your business has started earning money. Start With The Easy Stuff: Eliminate Expenses Don’t rent an office! Legal Stuff and Incorporating Make a website for your business Don’t pay a premium for a top end domain name, there are plenty of good ones leftTest out your ideas by writing to a blog, you’ll get feedback on what people like and don’t likeGet a free business website at www.wordpress.com or tumblr.com. Getting a Logo Don’t hire a fancy graphic designer. Accepting Credit Cards
R Definitions: Campbell R. Harveys Hypertextual Finance Glossary View the next letter. Copyright © 2014, Campbell R. Harvey. All Worldwide Rights Reserved. Do not reproduce without explicit permission. [Version 20 December 2013.] Keep up to date on the latest finance lingo with my new iPad/iPhone app Download from iTunes Order my book with the 2002 Pulitzer Prize winner for financial writing, Gretchen Morgenson of the New York Times Order via AmazonOrder via Barnes and Noble
Debt Free Adventure – Pay off debt. Save. Give. Live your mission. The Top 10 Inspiring Books For Entrepreneurs | Internet Entrepreneurs The list of top 10 inspiring entrepreneur books. Books are food for the soul and an entrepreneur needs to be careful what he feeds his soul. Here are a list of timeless classics and best-selling books that people across the world have found useful to motivate themselves and grow as entrepreneurs. How To Get From Where You Are To Where You Want To Be? Jack Canfield is best known for his Chicken Soup for the Soul series. Buy it on Amazon. Who Moved My Cheese by Spencer Johnson “Simplicity is a complex form of sophistication“. Buy it on Amazon. Think and Grow Rich by Napoleon Hill I am sure that this book would not require an introduction to most of you reading this list. Buy it on Amazon. New Ideas from Dead CEOs: Lasting Lessons from the Corner Office by Todd G.Buchholz New Ideas From Dead CEOs tries to delve deep into the histories of America’s most successful entrepreneurs. Buy it on Amazon. What They Don’ Teach You At Harvard Business School by Mark McCormack Buy it on Amazon. Crush It!
* Are You Financially Healthy? The 5 Stages Last night, I was pondering the subject of cash flow (essentially how money flow through our hands) and about financial well being. I played around with various visualizations that consist of income, expenses, debt, and assets. What I came up with was the 5 stages of financial health below. I believe that all of us go through these stages at one point in time, although some may never fall into “the debt spiral” or achieve “financial freedom”. Stage 1 – The Debt Spiral Description You are earning less than you spend, forcing you to rely on payday loans and credit cards to make ends meet. What Can You Do This is a dangerous stage to be in, and there are basically two things you can do: Fight it by reducing your expenses to the bare bone and increasing your income. Personally, I hope that you’ll pursue option #1 and work yourself toward Stage 2. Stage 2 – Living Paycheck to Paycheck Description You are spending everything you earn, and you are not saving a dime. This is not a bad place to be in.
Start-up Advice I usually tell people that everything I learned about being an entrepreneur I learned by F’ing up at my first company. I think the sign of a good entrepreneur is the ability to spot your mistakes, correct quickly and not repeat the mistakes. I made plenty of mistakes. Below are some of the lessons I learned along the way. For now it’s mostly an outline for me to follow (in no particular order). Disclaimer: I ran two SaaS software companies. 1. 2. You also need to consider founder scenarios, ownership, prenuptials and stock options. Learning to work with lawyers. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24Lies, Damn Lies and Statistics 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. 35. 36. 37. 38. 39. 40. 41. 42.
102 Personal Finance Tips Your Professor Never Taught You If you're anything like me, you graduated from college and perhaps even took a finance class or accounting class here or there, but you didn't learn anything about managing your personal finances. In fact, there probably wasn't even an opportunity to take any such class in either high school or college. But if college is partly about training us for a job, shouldn't we learn what to do with the money we earn from a job? Especially in a country where 45% of college students are in credit card debt and 40% of all Americans say they live beyond their means, I think it's time to wise up to some of the challenges of money management. The Painfully Obvious But Rarely Followed Tips Pay yourself first. Career and Education Get educated. Credit and Loans Get a rewards card. Frugality Buy a used car. Homeowning Upgrade your old bathrooms and kitchens. Insurance Insure yourself against financial ruin. Investing Be wary of mutual funds. Retirement Optimize your 401(k). Saving Save now. Taxes
College students and loans they can not pay Bob Morris Posted on Fri Dec 31, 2010 5:32 am . Tags: student debt, student loans Now our economy is facing the biggest student loan debt bubble in the history of the world, and when our new college graduates enter the “real world” they are finding out that the good jobs they were promised are very few and far between. Then they discover they are tens of thousands of dollars in debt with loans that can not be discharged even by bankruptcy.