Welcome to Michael's Article Collection

Jobs Avoid These 10 Resume Mistakes

Whether you’ve been downsized, are looking for a career change or are just starting out, your resume speaks volumes about you. If your resume doesn’t make it past the first cut, you’re doomed; no matter how qualified you are. Below are ten common mistakes to avoid when putting your resume together. Remember, you only get one chance to make a good first impression. 1. Multiple pages – You need t. . .

Persistence: A Key Ingredient in the Recipe for a Success...

It has been said that success is rarely easy or quick and that it is only the product of consistent effort which is repetitively applied. This is definitely the case for the small-business owner when trying to become successful in the cutthroat world of marketing. Any successful business depends upon marketing your product or services to the general public and convincing them to spend their h. . .

Unemployed Debt Consolidation: Dissolving Twin Burden Of ...

Okay, did you wish on the fairy godmother to take away debts? You are doubtful if it will work– especially when you are unemployed. You are certainly not happy with the current circumstances. You want to work, have the ability to pay your own bills. Everyone wants that freedom and control. Debt consolidation for unemployed can enable the borrower to do exactly that - pay your bills! Unemployed . . .

Simple Mistakes You Cannot Afford In Project Management!

Why should you care about my viewpoints?Good question - you don't know me - but obviously - You're confused and maybe even a bit fed up by your new assignment and it's lack of clarity...Typical problem!My specialty:Getting what I call "sorry ass - stranded in the ditch - projects up'n running FAST!And by fast, I mean just that...Fast, or instant - in like 90 days or less... And in 6 to 7 months. . .

Why Your Headline Will Make You Or Break You In Project M...

The value of a proper headline when dealing with a project (or anything else for that matter) cannot be stressed enough... Yep! I'm talking of the headline of your email correspondence here... It only makes the day for a project manager so much more comfortable (not to mention easier), when he/she has to find something in a hurry... And, usually... What else... normally...is a project other tha. . .

Outsourcing IT Asset Retirement

Approximately 1 billion units of computer equipment will become potential scrap by 2010 according to the International Association of Electronics Recyclers. Is now the time for your company to decide how to deal with outdated computer equipment that is currently stockpiled in empty offices and closets? Outsourcing this responsibility to an expert can simplify the process and ensure safe disposa. . .

Magnificent Kinkakuji

Last week during his tour of Kyoto Japan, President Bush visited the Golden Pavilion (Kinkakuji) and described it as “magnificent”. He was probably referring to the 1398 Japanese architecture but may just as well have been referring to gold prices which are at an 18-year high. Gold has been a magnificent investment and still has considerable upside.It is a rare portfolio that I build for a clie. . .

Working From Home -- Examining Your 'Why'

As Work at Home Moms, we talk about our "Why" as a positive thing. Our "Why" is our purpose, our reason, our muse. We refer to our 'Why' when we need inspiration or motivation to reach outside our comfort zone, to try a little harder, to keep going even when it's hard. Our 'Why' helps us to succeed. Today I was asking "Why work from home" in a slightly different tone. Today, I am home with a si. . .

How To Buy Stocks That Are Hot With No Effort

Even traders want to be trendy when they buy stocks. Many traders make trades because of public opinion, not because the trade itself makes sense. When a particular stock seems popular, they rush in so they don`t feel they`ve missed an opportunity. As a result they end up buying at a price point where the trade can`t possibly work out. You should always avoid the emotion of the “hot” stock.Here. . .

Project Management Success with the Top 7 Best Practices

Managing a project can be daunting. Whether planning your wedding, developing a new website or building your dream house by the sea, you need to employ project management techniques to help you succeed. I'll summarise the top 7 best practices at the heart of good project management which can help you to achieve project success.Define the scope and objectivesFirstly, understand the project objec. . .

Add Value by Documenting Your Business

By documenting your business you communicate to your peopleexactly how your business operates and what work needs to becompleted by Employees filling the Positions in yourbusiness.It is vitally important to have your business documented ifyou are looking to sell your business or looking to secureexternal funding. Well written and maintained BusinessSystems and Documentation adds great value to . . .

The Best Ways To Build Credit: How Credit Cards Can Help

If you have not yet established a credit record for yourself or you are in the process of rebuilding your credit, getting a credit card can greatly help you. The fact is, credit cards are one of the best ways to build a credit history and increase your credit worthiness. If you wondering why you need to build your credit, consider the following reasons: 1. Having a credit history makes it far e. . .

Buying Flights Online

One of the greatest things to happen to the world of travel in recent years is the advent of low cost airlines. Not only do they offer flight travel that is cheaper than any previous airlines by far, but they also offer some other great innovations in booking and paying for flights. Part of the growth in popularity of these airlines is that they are so easy to work with online. Unlike conventio. . .

Five Strategic Management Tasks for the Small Business Owner

You have been considering starting up your own small business for some time, now. You have read books and perhaps subscribe to some magazines that focus on small business. Maybe you have started to investigate what exactly you would like to do or offer, and perhaps even started working on your business plan. Then you get stuck.In order to successfully get a business up and running, you have to . . .

Finding the Right Debt Consolidation Advice

If you are in debt and finding it difficult to pay your bills then one of the best sources of debt consolidation advice is a credit counseling company. A credit counseling company can offer you debt consolidation advice including how to use credit wisely, help you establish a workable budget, keep track of your bills and manage your money. A trained and certified debt consolidation advice speci. . .

Winning at Stock Trading

The world of trading and investment can be as frustrating as it can be rewarding! You need to be prepared...Firstly, decide if you are a trader or an investor.An investor is someone who enters the stock market inadvertently - usually via their superannuation policies. A trader is someone who makes a decision to buy and sell shares via the stock market. This can be done online or by using the. . .

No Medical Life Insurance

When applying for life insurance many life insurance companies require you to answer medical related questions and / or to undergo a medical examination as part of the application process. These medical examinations are often required as proof of your health status as given on your application form. They are used by the life insurance companies to help them decide upon the insurance premium you. . .

Bad Credit Consolidation Advice

If you are deep in debt and have a bad credit history then finding a company that offers a bad credit consolidation service may seem the ideal solution. However, it is important to investigate all of the options before taking such a drastic step. Bad credit consolidation solutions usually come at a hefty price in the long run so it is vital to choose carefully.Most people who have amounts of de. . .

Banks Just Love Those Home Equity Loans

There are a number of great benefits to taking out a home equity loan; not least the opportunity to open a line of credit, pay existing debts or put your children through college, the list is endless. There are also positive tax benefits, if you’re unsure about this you should speak to your accountant before taking out a home equity loan. So in a world of greedy banks making billions of dollars. . .

Zero Percent Credit Cards

When searching for a 0 apr credit card, one with 0% annual percentage rate (apr) for a trial period, one of the best ways to find a good deal is to compare the credit card rate of several sites. One way to find reliable sites is to start with a bank credit card. Bank of America, Citibank, and many others offer endless resources online for credit card comparisons. You can find out annual fees, i. . .

Pitfalls of Casual Friday

Imagine this: You walk into a prominent, international business office, up to the receptionist's desk - and you see she's wearing flip-flops and blue jeans with holes in them. How do you react to this? I bet your opinion of that business just dropped quite a few notches, right?Do you think this is an extreme example of some people's taking Casual Friday too far? Do you think it would never happ. . .

Feed Your Desire To Become Debt Free

This site will show you how to wipe out your debts. But before you make a start, let me remind you that it won’t be easy. In fact, it could be one of the hardest things that you’ll ever do in your life.Don’t be under any illusions about this. Enormous self-discipline is required from you. The more you owe, the harder this will be, and the longer it will take.You must genuinely desire to become . . .

Mastering the Mortgages Maze

So...you're about to buy a property and need a mortgage...Where do you begin?Whether you are a first home buyer, have bought and sold several times, are re-financing, seeking an equity loan, or even a reverse motgage - there are a lot of thing to consider...Do you choose fixed rate, variable rate, adjustable rate - or interest only.Rates, fees, costs - can all vary.Let's have a look at the diff. . .

The Ethics of a Christian Debt Consolidation Company

There are a number of Christian debt consolidation companies which may appear to be against a lot of Christian’s beliefs. However, these Christian debt consolidation companies ensure fellow Christians that it is Biblical to take advantage of a program run by a Christian debt consolidation company.Whether a Christian can get into debt (‘money or property which one is obligated to pay another’) i. . .

Company Politics and Six Sigma by Peter Peterka

No grouping of human beings is without some amount of politics. Managing deployment of Six Sigma in your organization will unavoidably run into some personal issues and conflict. However, with deft handling of the personal and political issues that come up, along with patience and perseverance, your Six Sigma deployment will not get derailed.Political factors that can affect a Six Sigma project. . .

A Guide to Debt Consolidation

Though not an ideal solution, debt consolidation can provide some immediate relief from high-interest loans and debts. The idea of debt consolidation is that you take out a loan to cover all of your debts and pay them off, leaving you with one simple monthly payment. This can take the headache out of managing your finances but you need to consider debt consolidation loans carefully, and consult. . .

Seven Steps To A Healthier Bank Balance With A Debt Conso...

If your debts are getting you down then you can’t afford to ignore the option of taking out a debt consolidation loan to help you sort out your financial situation. In this case scenario you basically take out a personal loan that is big enough to pay off all of your existing debts. You then have one loan to repay at better interest rates and – most importantly – you have a specific target date. . .

Life Insurance

The life insurance market in the UK is extremely competitive. Over the last 5 - 10 years more and more insurance companies have been entering the life insurance market providing consumers with a huge range of life insurance products to go after. Even the big supermarkets like Tesco, Sainsbury and Asda now offer cheap life insurance products, often using their own brand goods as advertising spac. . .

Life Insurance Quotes

Shopping online for life insurance quotes is becoming increasingly popular in the UK and throughout Europe. No longer do we have to spend hours on the telephone - much to our employer's disgust - divulging our personal details, only to find that the quotes from the life insurance companies are too expensive or don't match our needs. Neither do we have to concern ourselves with taking time off w. . .

An Analysis of Energizer Holdings (ENR)

Energizer Holdings (ENR) owns two of the world’s great brands: Energizer and Schick. Currently, about 70% of the company’s sales come from the battery business and 30% come from the razor and blades business. International sales (from both businesses) account for almost exactly half of all sales.Energizer’s acquisition of Schick was a steal. In 2003, the company bought Schick – Wilkinson Sword . . .

No Closing Home Equity Loan

One new innovative product in the home equity loan market is the “No Closing” home equity loan. These loans are a little different from traditional home equity loans, in the fact that they allow you to draw funds against the equity amount of your home. For example, you may be provided with a credit card or check book. The way to look at them is as a line of credit, you can use the line of credi. . .

Universal Life Insurance

Universal life insurance is just one of several types of life insurance policy available through life companies today. Unlike term life insurance or mortgage (reducing) life insurance, universal life insurance gives your insurance policy a cash-in value, allowing you to withdraw funds accumulated on your universal policy as and when needed.This flexible approach to life insurance is very popula. . .

Online Life Insurance

Are you considering taking out life insurance? If so, it’s a good idea to review what life insurance companies have to offer by searching for life insurance online. Over the past few years the online life insurance market has become very buoyant. Most major life insurance companies are now represented online, and they have been joined by smaller life insurance companies as well as life companie. . .

Term Life Insurance

Term life insurance is a life insurance product that pays out a cash lump sum upon death of the insurance policyholder or at the point that the insurance policyholder is diagnosed as terminally ill. But, despite it being a low cost term life product - insurance cover can be acquired from as little as £5-£10 per month - surprisingly few of us have term life insurance in place. For people with a . . .

An Analysis of Lexmark (LXK)

In 2005, Berkshire Hathaway bought about a million shares of Lexmark. I haven't followed this story closely, but I assume the stock was purchased by Lou Simpson rather than Warren Buffett. I have only two reasons for believing this: the total purchase was small relative to Berkshire's investable assets and the Lexmark purchase is typical of Simpson's investment philosophy (or at least, what lit. . .

Essential Franchise Information

To buy a franchise...or not to buy a franchise...that is the question...The following information should help you find the right answer!Making the decision to purchase a franchise needs to be given serious thought, research and consideration of all options available.Franchises have experienced annual growth of more than 50% - and are now also popping up in airports, railway stations and inside . . .

Life Assurance

Planning for your future life can seem like a time consuming burden when you have a young family. After all, where do you find the time in your life to think about things like life assurance while you're struggling to keep work and home life pressures in check? Our departure from this life though cannot be predicted. You and your partner may live a good life to a ripe old age, or you could pass. . .

Tax Tips for Small Businesses

Tax Tips for Small Business Owners / Tax filers: http://www.tax-definition.org/tax-tips Don’t the complexities involved in doing your taxes bug you, specially, if you own a small business? Following and getting familiarized with the guidelines laid down by the IRS for small businesses is very important.In case you hire other employees for your business, you should attach two forms on your, as w. . .

Key of Responsibility

Over the past few years, the number of incidents auto theft where the victim’s keys have been are becoming rampant throughout the globe. Due to personal negligence, these incidents have became a wide-spread cancer in our society; this unfortunate trend occured because car owners and home owners don’t take enough care about where they keep their car keys.Car key theft has become a growing probl. . .

Ready, Aim...Aim...Aim

Hard pulling the trigger isn't it? Due diligence is done. Research from A to Z: complete. It's time to fire. Wait. Let's just check a few more things. There's only one chance to get it right.Drop the hammer and FIRE!Talk with a small business owner and he has a hard time, sometimes, putting a plan in action. He fears failure. He loathes loss. We all do. But business is about being bold and fort. . .

How Many Payday Advances Can You Handle?

Payday advance are the short-term loans, which are convenient and quick way to fulfill the needs of between any two paydays. These loans are termed as payday advance because they are often repaid after one receives the next paycheck or benefit checks. These short-term loans may vary from 10-45 days of duration. For applying for payday advance we need to provide some basic information like sourc. . .

Refinance & Mortgage Tips: Your Down Payment Is Key

If you are buying a house, the first thing you need to figure out is how much of a down payment you can afford to make. This may seem like the sort of advice your father would give you, but rest assured there are a few reasons why knowing what you can put down and where you’ll get the money can make all the difference when shopping for a house and a mortgage to finance your new purchase. Before. . .

Which low interest credit card is right for me?

The best low interest credit card is one that charges a low interest rate and does not have any hidden costs. Very often, card users tend to be indiscriminate with their cards during the introductory period and are in for a shock when the rates jump at the end of the period. A low interest credit card should continue to function at a low interest rate even after the introductory period is over.. . .

Mortgage Leads, Do Your Research

You work hard for your money, so before you go investing in a mortgage lead company, be sure you take your time and do your research.We have all heard about, or have experienced the pain first hand of being burned by a mortgage lead company. And although this may happen to loan officers more often than not, there are some good lead companies out there, where it is possible to get a good return . . .

Mortgage Practices In UK

Mortgage brokers help you pick the right home loan from the thousands on offer. Brokers can offer guidance on products from a range of providers. They search the market for you and do all the secretarial groundwork in setting up the loan.Having pounds 20,000 for a pounds 160,000 home; you need a loan of 120,000. If you are with a percentage broker they may end up charging anything from pounds 4. . .

Strategy for Getting Out of Debt and Staying There

This article will present some good ideas on strategies for eliminating debt and how to stay debt free.The strategies I will be presenting in the article are all well know but many of us just fail to implement them or don't remember them.Just remember that it's not totally your fault if you are drowning in debt, some of the blame can be contributed to big business rhetoric and government promot. . .

Berkely California Real Estate

Berkeley, California, is located in Alameda County, 11miles NE of San Francisco, California. Berkeley is a vibrant, intellectually-energetic citywith a population of 102,743. At its center is theworld-renowned University of California at Berkeley,home to current and would-be Nobel prize winners,several cultural and art museums, performing arts, andthe Golden Bears football team. Home to ‘Califo. . .

Investment Required

No one in their right mind would ever think they could get a business established with no investment. Doing it on the internet is no different than anywhere else, only the access to your business has changed. No longer do you need to have a showroom full of stock, have to hire employees to help your customers, clean the place and worry about all the other things associated with a physical locat. . .

Refinance & Mortgage Tips: Down Payment From 401k Or 403b...

If you are purchasing a home and have a substantial portion of your assets inside of a retirement account such as a 401K, 403B or other retirement product or annuity, you may choose the increasingly popular option of tapping those funds to make a down payment on your new home. Like any other accounts you may have in your name, such as brokerage accounts and bank checking, savings and money mark. . .

Top Ten Tips For Being a Successful Joyful Entrepreneur

A JOYFUL entrepreneur? I know it's more popular to think of entrepreneurs as "haggard," working hard and hustling to make their mark. But you can have a successful business with ease. It can, and should, be fun.We define a "Joyful Entrepreneur" as one who enjoys and takes ownership of his/her business (whether he owns it or is working for someone else), one who utilizes her strengths and passio. . .