Welcome to Michael's Article Collection

Eight Ways to Consolidate Debt

Next to winning the lottery, a debt consolidation loan is a debtor’s dream. With one monthly payment and a fixed monthly payment schedule, you can actually see an end to those monthly payments. In reality, consolidating bills isn’t always easy. If you have a lot of debt, it can be hard to find a consolidation loan at a lower interest rate. And if you’re not careful, you can end up deeper in deb. . .

Resume Writing and Preparation is Free Online

Creating a strong resume is a very important part of applying for a job, either online or off line. There are many resume writing services that will help you build an impressive resume for job interviews.You can also learn how to write a resume for free by surfing the Internet for resume writing help. Many sites will show you tips and advice on choosing a resume style that works best for you.Yo. . .

Should You Lie On Your Resume?

Warning: Lying on your resume could cost you your job and your freedom.Picture this. You’re sitting at your desk working away happily at a company you’ve been employed with for ten years. You’ve had several promotions and you’re now a Sr. Assistant Manager.You’ve got your eye on a top management position, which everyone says you’re a shoe-in to get. Your future looks bright, indeed. So, when th. . .

7 Tips for Writing Winning Resume Cover Letters

Writing a good resume cover letter is something you should seriously consider when preparing to send off your resume to potential employers.Here are seven important cover letter writing tips: Address the individual by name. If you don’t know their name then use: “Dear Sir or Madam” or “Dear Human Resources Director”. Attract attention with a strong opening paragraph. Create impact. Give them a . . .

Dressing Tips for Interview Success

Dressing appropriately for job interviews is one of those areas that puzzles some people.Should you dress conservatively or wear casual attire?What colors work best?What types of shoes should you wear?As a rule, you should dress conservatively for most job interviews. Remember, you only get one shot at making a good first impression.Here are some basic dress for success tips: Research how peopl. . .

Surprise! Accounting is the Hot New Major

There was a time when accounting was the boring college major that many people regretted signing up for. A constant barrage of numbers, statistics and spreadsheets was none too interesting.Boy, have times changed! Thanks to recent accounting scandals by companies like Enron, there is a high demand for accountants and auditors.According to the Job Outlook 2005 survey, accounting comes out on top. . .

5 Simple Rules for A Great Job Interview

Many years ago, when I was a young job-searching greenhorn, I ventured to New York City to take a bite out of the big apple of opportunity.When it came to finding a job in a crowded city of millions, I quickly learned that it’s much easier on one’s sanity to sign up with one of the many employment agencies which helps job seekers looking for work.I scoured the newspaper and found a large ad for. . .

Are You Sabotaging Your Career?

My experience working with thousands of leaders world wide for the past two decades teaches me that most leaders are screwing up their careers. On a daily basis, these leaders are getting the wrong results or the right results in the wrong ways. Interestingly, they themselves are choosing to fail. They’re actively sabotaging their own careers. Leaders commit this sabotage for a simple reason: T. . .

Success From Failure Is As Simple As Focus, Plan, Execute

You excitedly signed up for that pre-made money generating website you saw in a popbehind window. You signed up for the affiliate IDs. You set up your autoresponder and signed up for several “traffic generators”. You read the writings of all the internet gurus. Then you sat back and waited to pull in those MASSIVE PROFITS!Its now a year later and what do you have to show – 150 subscriptions to . . .

Save Money On Your Grocery Bill

We've all heard about certain ways to cut your grocery bill like avoiding the grocery store when you're hungry, using coupons on double coupons day, and buying only the items on your list. These are all good tips and we should keep using them. However, I've found a few pointers that might help you save even more on your grocery bill. The first thing you need to do after you've made your groce. . .

Super Rules, OK?

Do you rule your superannuation or does it rule you?It’s easy to fall for some myths about your super unless you do some clear thinking about who is in charge. Virtually all Australian employees now have a superannuation account, many have several, even more than they know about. We all hope to use this money to fund our retirement, but unless you look after your super then you are in danger . . .

Why Conventional Wisdom Is Almost Always Wrong!

Dear Friend and Subscriber: I'd like to extend you a warm welcome to the first issue of my Quantum Leap Advantage®4® Internet Newsletter. From time to time this newsletter, in addition to exposing you to well-tested and proven precepts to make your business grow, will test your various traits and/or abilities to succeed in the real world of trench warfare. No one in the world teaches the method. . .

Stop Waste, Fraud and Abuse

Each year, businesses write-off six percent of revenue to waste, fraud and abuse. But why would managers throw all that hard-earned money away when there is a reliable way to eliminate waste, fraud and abuse using accounting policies & procedures to create internal controls. Internal controls eliminate uncollectible receivables; prevent theft or embezzlement; optimize inventory; and stop wast. . .

So You Think You're Hopeless With Figures?

"It's no good! I'm just *hopeless* with figures!"If you've ever said that to yourself then don't worry - you're not alone.Many people believe themselves to be math phobic or "numerically challenged". However the fact is they are probably not hopeless at all...Most likely they had an unfortunate incident in their past. Perhaps they missed some crucial lessons in school and never caught up. Or. . .

The Stock Market Investor’s Worst Enemy

Every stock market investor faces one primal enemy. An enemy so perverse, it will drive thousands of investors from the stock market through its ability to defeat even the most practiced investment strategy. Who is this enemy you ask? Your arch nemesis, in this case, goes by the name E. Motions…don’t ask me what the “E” stands for.Emotions are the driving force behind every stock market cycl. . .

Overbought/Oversold

Has your broker ever told you that a stock is “overbought” or “oversold”? He probably went on the explain that the stock you own (I hope you didn’t) had gone down so far that it now was oversold and due for a rally. He might also have encouraged you to buy an equal amount to “dollar cost average” your position so that when (“if”- he didn’t say that, I did)) it did go back up you could “get out . . .

How to Easily Increase Your Profits

Do you remember the last time you went into a shop and the person ‘serving’ raced over to you, greeted you with a lovely smile, heaps of enthusiasm and said, “Welcome to our store, what can I help you with today?” And then listened attentively to what you had to say? Doesn’t happen very often does it? In fact, while I was writing this, I couldn’t recall when I had experienced it. I’m sure I mus. . .

Transform Your Image And Accelerate Your Success

Being a lifelong student, I am regularly attending seminars etc. to become the best I can be in all areas of my life. In the past year I have undertaken an Image and Brand Management Program with Image Group International and the knowledge I have gained and applied has affected so many areas of my life and my business.Being a 'holistic' program it has encompassed topics like branding, colour ps. . .

It's The Little Things That Count

Have you ever been in the situation where you have become so focussed on achieving a goal that you have done so at the detriment of everything else in your life?The 'All or Nothing' SyndromeIn a coaching session I had with one of my clients this week, he realised that to complete the goal he wanted to achieve by the end of September, that he has totally neglected every other area of his life. H. . .

Quantum Success Thinking

It sounds simple- right? You are where you THINK you are! And it is simple but do we practice it? Of course we are where we think we are! The question is where do YOU think you are? It’s a principle I talk about all the time. Everything we do, we create in our minds before we do anything. The cars we drive, the house we live in all began as a thought in someone’s mind. Our minds are incredible . . .

If I Were Coaching You

If I were coaching you as a business, non-profit or association manager on how to get the biggest bang for your public relations dollar, I would sum it up for you this way. Use the fundamental premise of public relations to produce external stakeholder behavior change – the kind that leads directly to achieving your managerial objectives. Usually, that outside behavior change can be created in . . .

How To Get Press To Come To You

Have you ever noticed how the same people’s names always seem to appear in magazines and newspapers articles which quote them as a source of info and advice on their own particular subject, whether it is web functionality and design, cosmetic surgery or investment banking? They don’t just get there by accident. They, or their PR Company, have put in a pretty concerted effort to become an expe. . .

How to Set Appointments

The Importance of setting appointments is crucial to running a business. They are the key to a successful business.When making appointments try to make your call between one and two minutes maximum. Practice keeping your calls to this time scale, any longer and you could be drawn into a full scale presentation. It is like trying to describe a musical you have seen but without the music. . . .

Become a Customer Enthusiasm-Guru!

One thing all successful small business owners have in common is the knowledge that their business is based on enthusiastic customers. Despite their multi-tasking titles of bookkeeper, service provider and sales-manager, their most important title is Customer-Enthusiasm Guru.Your question, undoubtedly, is how do I find time in my unbelievably over-loaded schedule to become a customer-enthusiasm. . .

The Principle of Abundance

One of the first great things I learned when starting my business, is that there are two ways of thinking. You can believe that there is more than enough business to go around or you can have the scarcity mentality. Either way you believe you are probably right.The principal of abundance promotes the belief that not only is there enough business to go around, and that the universe has room for . . .

SuperCharged Secret 5, Credit Card Utopia

LIVING IN CREDIT CARD UTOPIALet’s just take a brief moment to recap:If you’ve been following along on this journey with me, learning the 5 Super-Charged secrets to Credit Card Utopia, then you now know 4 very important things: You now know how to take advantage of zero to low interest credit card offers. You now know that there is safety in numbers, and you know the magic “Who’s Who” of the maj. . .

SuperCharged Secret 4, Credit Card Utopia

YOU SCRATCH MY BACK, AND I’LL BUY SOME MORE BEER!Let’s just take a brief moment to recap:If you’ve been following along on this journey with me, learning the 5 Super-Charged secrets to Credit Card Utopia, then you now know 3 very important things: You now know how to take advantage of zero to low interest credit card offers. You now know that there is safety in numbers, and you know the magic “. . .

SuperCharged Secret 3, Credit Card Utopia

TURBO-CHARGED KILLER RATE SAVING INFORMATION!Let’s just take a brief moment to recap:If you’ve been following along on this journey with me, learning the 5 Super-Charged secrets to Credit Card Utopia, then you now know 2 very important things: You now know how to take advantage of zero to low interest credit card offers. You now know that there is safety in numbers, and you know the magic “Who’. . .

Entrepreneurship: What does it REALLY mean?

Introduction:In a world where ideas drive economies, it is no wonder that innovation and entrepreneurship are often seen as inseparable bedfellows. The governments around the world are starting to realize that in order to sustain progress and improve a country’s economy, the people have to be encouraged and trained to think out-of-the-box and be constantly developing innovative products and ser. . .

Sell YOU With Your Small Talk. (Yes You Can.)

Want to build a relationship -- sell yourself for a job -- get ahead -- make a sale? Your 'small talk' is crucial. Everyday conversation can make or break you in personal relationships and in the business world. Sadly, most people don't realize how important small talk is, nor do they try to do better. That's a shame, because anyone can easily develop great small talk skills. Just how important. . .

5 Killer Steps to avoid Credit Card SCAMS!!!!!

In August, 2004, the Federal Trade Commission issued their findings of a recent study, which showed that nearly 25 million adults were victims of fraud. Now, most importantly, If you are a victim of fraud, please do not feel like you did anything wrong. It happens to all of us at one point or another, as the FTC’s study clearly shows. Everyone likes a magic trick, and none of us are fully . . .

The Steps from Product Idea to Product Success

Michelangelo once said that his statue of David was embedded in the block of marble and he merely chipped away the edges to reveal it. Is your product idea inside your mind just waiting to come alive? Or, is your product already formed and you need only to smooth out the edges?Using my Market-Step process your idea will come to life as we progress in the following steps from idea to launch: Sel. . .

Get Organised for Christmas... NOW!

Hasn't time flown? Only six weeks to Christmas!Now you may think that you're too busy to even contemplate that far ahead, however if you don't get your act together and prepare well in advance, instead of enjoying that time you could end up being totally stressed and miss valuable opportunities.Your Business ChecklistHave you planned and booked the venue for your team break-up? Do you know who . . .

Are You Too Busy for Your Kids?

In his recent newsletter “Happy Kids”, parenting expert Michael Grose (yes he is an expert with three kids of his own) said: Australian parents currently rate achieving work-family balance as their greatest parenting challenge. Currently, 71% of Australian parents say they have difficulty finding time to do the things they enjoy with their children. So what are the key relationship-builders to . . .

SuperCharged Secret 2, Credit Card Utopia

INTEREST BEWARE, THERE’S SAFETY IN NUMBERS!Note: The following is part 2 of a 5 part series, Over the course of these 5 articles, I am going to introduce you to several methods for maximizing the use and benefits of the best Credit Cards and offers on the market today. This information, when used in conjunction with one another, is unlike anything you’ve ever seen before. I like to call this ap. . .

SuperCharged Secret 1 of 5 - Credit Card Utopia

I AM THE CONSUMER. AND I HAVE LOW-RATE SUPER-POWERS!Note: The following is part 1 of a 5 part series. Over the course of these next 5 articles, I am going to introduce you to several methods for maximizing the use and benefits of the best Credit Cards and offers on the market today. This information, when used in conjunction with one another, is unlike anything you’ve ever seen before. I like t. . .

5 Magic Points: Should I BUY or RENT my HOME?

Buying a Home is the American Dream. It is more than a place you put your hat at the end of the day. It defines you, protects you, and prospers with you. Yes, Home Ownership is a noble pursuit, but it always starts with this first, important question: Should I buy or Rent my Home? The answer, surprisingly, is not so obvious. Now the question of “affordability” is an important one, but that’s no. . .

Traveling for An Interview? 10 Tips to Get You From Here ...

You’ve just been granted an on-site interview in another town. Hurray!This means you’ll be traveling to an employer’s location so that they can further evaluate you for a specific job position.Before you make any travel arrangements, it’s a good idea to discuss who will be paying for your trip – you or the employer. If you’re paying, find out if you’ll be reimbursed. It’s a good idea to save al. . .

Work Is A Four-Letter Word

I can hear the jokes already and most of them are not politically correct. Let me throw out a word that we often don't attach to work and yet I think it is a word of redemption, of contribution, of achievement, of community, and ultimately, of legacy.Here it is: LOVE. Kahil Gibran proclaimed, "Work is love made visible". I would further clarify his position by insisting that a job is what you . . .

How to Get Your Procedures Project Done

Wouldn't it be nice for business owners and executives to be finished with their policies and procedures project already? They know they need to get it done, but maybe it's taking too long. Or perhaps their people are staring at a blank piece of paper, and they don't know where to begin. Or maybe they're not sure what to write. Or they're just too busy. The Usual ScenarioCompanies face these ha. . .

Why and How to Work with a Consultant

A good consultant provides specialist abilities and experience, innovative ideas, second opinions (reality checks), unbiased appraisals, and new approaches.A good consultant will leave you with tools, plans, and materials, and will transfer knowledge and resources to help you use them.Avoid making mistakes and wasting time and resources. A small investment and timely, professional advice can m. . .

A Whack Up 'Long Side The Head Of Human Resources: The Le...

When we perceive the simple center in the seemingly complex, we can change our world in powerful new ways. Albert Einstein perceived the simple E=MC2 in the complexities of physical reality and changed the history of the 20th century.Big Daddy Lipscomb, the Baltimore Colts 300 pound all-pro tackle in the 1960s perceived the simple center of what was perceived to be the complex game of football.. . .

Managing Your Business’ Cash Flow

You wouldn’t drive a car without a gas gauge or speedometer, and if you’re driving on an empty tank, you won’t get very far. Then why would you make financial decisions without the proper tools? Businesses must master controlling the flow of cash. Cash flow planning helps eliminate uncertainty, identify obstacles and move forward armed with information. With information you can make plans and . . .

Cash Flow, Profits And The Cash Conversion Cycle

Calculating cash flow is one of the most important tasks of the business owner. Revenue and expenses are rarely constant in a business and cash requirements need to be planned for shortfalls, seasonal factors or one time large payments. At the end of the day, a company that cannot pay its bills is bankrupt. Unfortunately, while many business owners concentrate solely on their revenues and expe. . .

How To Make Easy Money on the Internet -- But This Time I...

Introduction:On the World Wide Web, domain names are the equivalent of real estate. Owning a domain name lets you stake you claim to your piece of the Internet. For several years, many people from all over the world have been making a good living from the comfort of their own home through the power of domain names. Many domain names have sold for thousands of dollars, and some have sold for hun. . .

Work at Home

If you are tired of your present job, laid off, want to spend more time with family, and want to be your own boss, it is possible to work at home. Home jobs can include finance relates jobs such as bookkeeping, writing jobs such as copywriting, computer related jobs such as graphic artist, customer service related jobs such as sales, and professional related jobs such as architecture.In trying . . .

Workathome Mlm Network Tool

The workathome mlm network tool can be used to generate cash while working at home. MLM stands for multi-level marketing. A company uses MLM to have participants at home sell products at a discount. In exchange, the participants earn commissions and bonuses. The participants may have to pay a fee to join an MLM network.MLM is good for companies because it reduces the costs of marketing, sales, . . .

How to Stay Motivated - Part 1

As a "Motivation Trainer" for over 20 years, I have researched the subject of "Motivation." It is talked about a lot, but not very much is taught or written about it. It seems to be a word that eludes us. I often here people say: "Can you motivate me?" or "I need motivating." or "I've lost my motivation." Part of the challenge in understanding the concept of "Motivation" is to understand what i. . .

Is This the PR You Thought You Were Getting?

You know, where you do something positive about the behaviors of those outside audiences that MOST affect your organization? And where you do so by persuading those important external folks to your way of thinking, then move them to take actions that help your department, division or subsidiary succeed? Yes, that’s right, it’s where you use the fundamental premise of public relations to produce. . .

NETWORKING 17 Essential Strategies in the 21st Century

It is virtually impossible to succeed professionally and personally without developing a network of people. There is no career or business opportunity where you can be rewarded entirely for what you know and how well you know your work. Networking requires a mission, goals, vision and a willingness to share valuable information with others. Networking events, meetings and conferences are places. . .