Financiology Business

1. Job Interview Protocol - Part 2

By Barbara Thorp A job interview is an assessment. You must prepare for it, and to practice questions that might be asked. Perhaps a parent or friend may help so you can rehearse not just your answers but how you deliver them. You must become familiar with hearing your voice speaking aloud and talking about your special qualities. Interviewers often ask a broad range of questions, and here are some q... read more

2. What Choices Are There In Home Mortgages?

By Joseph Kenny Buying a house, or refinancing, means that you have to apply for a mortgage, or loan on the house. There are many different forms of loans available, but selecting the right one can be more than a little difficult - since so much money rests on that choice. Here are some tips that will help you to make that right decision. Know The Terms And Types This one thing could defi... read more

3. What Are FOREX Brokers?

By Jill Kane When we talk of any money transactions like those pertaining to the stock exchange, one hears a lot about brokers. FOREX traders are known to use brokers to carry out their transactions for them. So how would one define a broker? In the true sense of the word, a broker is a person or a company that a prospective investor trusts to buy and sell as per his decisions. He then pays the brok... read more

4. How to Get a Credit Card with No Credit History

By Jill Kane Your reliability as a potential consumer is checked by looking at your credit history. If there is no history then the credit company has no information on your spending habits and will therefore not take a chance on giving you a loan account. On the other hand a bad credit history will be just as detrimental to you. It’s a vicious cycle - if you don’t have a credit history they w... read more

5. Balance Transfer Credit Cards - Which One For You?

By Joseph Kenny If you have any kind of existing credit card balances, balance transfer credit cards may be just the thing you need to reduce your credit card debt. They can also help you save money in other ways, too. Here are some ways that a balance transfer credit card can save you some money. 0% APR Interest The first way it can save you money is that, hopefully, the new card gives ... read more

6. Need A Loan After A Bankruptcy? Possible If You Have Equity

By Joseph Kenny If you have had the misfortune to declare bankruptcy recently, then you definitely know what a struggle it can be to get funds. Not only do you have a limitation on your ability to get funds from most lenders, but even getting a credit card will not be easy. However, one option that you do have, if you possess a house, is the equity that is in the house. Here is how you may still be able... read more

7. Considering the Reverse Mortgage Method?

By Rolf Rasmusson Reverse Mortgage After (40) years of bump, thump, bang and wang I ran into the Reverse Mortgage. What a great opportunity for us to cash in on some incredible growth over the last several years in the real estate market. While values bounce around up and down the overall trend has risen over the years. As a younger person I was busy raising a family and now its time for us. Findi... read more

8. Stock Trading System

By rob rens THE 10 - 2 TRADING SYSTEM Many people trade irrationally, they try to trade the next flavor of the week stock. What is in the news or forums without a game plan. This lack of planning will only discourage you and incur constant losses to your portfolio. Here is the best example I can give people that are losing money on their picks. If you stay focused on 10% profits and 2% losse... read more

9. Chinese Commercial Banks Suffer Less Bad Loans

By James Marriot China's commercial banking sector is plagued by less bad loans, which were reported to be of 116.8 Billion Yuan by twelve joint stock commercial banks in the beginning of 2006. Non-performing credit ratio for key commercial banks in China slid to 7.6%, down by 1.3% points over the start of this year (2006). China Banking Regulatory Commission's statistics show that bad debt in state comm... read more

10. How to use the power of Networking and Leverage like the Big Businesses do

By Hannah du PLessis How do you earn your money? Are you: 1. working for someone 2. a professional or self-employed (exchange your expertise for someone’s money) = small business owner 3. a business owner 4. an investor Most people opt for employment because they see it as a “safe” option. “Job Security” is what they want. However, as many people will tell you; due to downsizing and industrie... read more

11. Penny Stock Thoughts

By rob rens According to a U.S. Securities and Exchange Commission warning, “Investors in penny stocks should be prepared for the possibility that they may lose their whole investment." It’s probably justified. There’s no doubt that true penny stocks are among the surest ways to lose all your money in the stock market. But, that being the case, why do so many investors love penny stocks? If... read more

12. 4 Methods and resources to Flip a House for Cash

By Clinton Lockhart - By Clinton Lockhart A lot of so called guru's are preaching the buy and hold plan of creating wealth through real estate. I agree that there may come a time in your business when you will want to hang on to a piece of real estate but you will only want to keep certain types of landed property or real estate but if you're just getting started flipping a house is the only way... read more

13. Debt Management And Low Cost Living

By Adam Heist A dollar saved is a dollar earned. We sometimes have limited opportunities (short term) to increase our income. We therefore will have to get to saving more of what we do earn, if we want to reduce our debt. The first thing you can do is cook more often at home and eat out less. For starters you will save a bunch of cash in entertainment expenses. Then you will also benefit f... read more

14. Equity and Your Home, A Hidden Asset?

By Hani Masgidi The equity you have established in your home may be one of your best assets, you just aren’t aware of the value, and many individuals don’t realize what they can do with that hidden asset. In fact, there so many uses for the hidden equity in your home that this article is only going to cover the most common. A home-equity line of credit allows you to withdraw only the amount o... read more

15. How To Compare Credit Card Offers

By Joseph Kenny Getting the credit card you want makes having the right one worthwhile. So many different offers make it necessary, though, to compare credit card offers before you sign on the dotted line. Here are a few tips about things to look for that will help you get the right one. Go For 0% APR Interest One of the best cards will give you an introductory period of anywhere betwee... read more

16. Understanding the Debt Settlement Process

By Adam Heist Debt is a tool. It allows people to buy or invest in things and assets that they otherwise could not have done. The benefits of this tool if used wisely are great, but unfortunately, so are the consequences if not used so wisely. A lot of people and companies use debt to purchase assets and other items that they want or need. As long as the item purchased is providing more val... read more

17. How To Get A Good Rewards Credit Card

By Joseph Kenny Rewards credit cards come with many different possibilities. The options can be quite nice and are greatly varied. There is probably something for just about anyone and the offers can be rather attractive. Here are some things you need to look for as you go to apply for your rewards credit card to help you get a really good one. Find A Rewards Card You Can Enjoy By looking ... read more

18. On the Job Training for More Effective Managers

By Barbara Thorp Every serious manager and supervisor knows HR seminars and trainings are not just perfect excuses for yet another powerpoint presentation and coffee-and-biscuit break. These sessions are important precisely because of the ever-changing dynamics of the workplace. We need more of the fine stuff from the people we elect as supervisors and managers if our company is to achieve all its mission a... read more

19. Following New Rules: Overseas Banks Look at China

By James Marriot On 17 November 2006, overseas banks announced that they intend to expand their operations in China subsequent to the release of new rules. The rules are said to have opened up China's banking sector for global competition. HSBC, Standard Chartered, Bank of East Asia, and Hang Seng all corroborated to AFP that they have plans to launch locally joint ventures in the country, as re... read more

20. Tips For Getting The Right Mortgage

By Joseph Kenny Applying for your mortgage and being able to get it are two different things. Also knowing when to apply and where can enter into the picture, too. Here are some tips to help you be better prepared to get the mortgage you are looking for. Check Your Credit Report Get a copy of your credit report and look it over for mistakes. Often times, there may be entries made on it th... read more

21. Business Cards are still popular

By Lianne Van Niekerk Business cards come from way back in the past and are still as popular as ever. They are small and compact with no fuss but can carry all the information you need about your business. You can print your business name and logo, as well as the physical address of your premises and contact numbers on the card and you will have a good advertisement for your business. The cards can be mad... read more

22. Choosing Your Loan Repayment Period

By Peter Kenny One of the crucial factors to consider when getting a loan is the length of the repayment period that you will apply for. This will affect how much you pay each month as well as the total amount you will pay back. As well as getting the length of repayment period right, you need to choose the right method of repayment so that you can afford the repayments whilst still paying your loan ba... read more

23. Business Card Advertising

By Lianne Van Niekerk Once your business has been established for a couple of months you will find that the cash flow is better and you could better afford to have your business cards professionally printed. This will give them a better finish. The printers can experiment with colours and find something that will suit your taste. The texture of the paper could be changed, this give you a very professional ... read more

24. Stock Investing: Getting Started

By rob rens When starting to invest in online trading there are many different aspects you must look into. I am here to explain different aspects along with a few tips I have learned over the years. Investing: An investment is defined as an item of value purchased for income or capital appreciation. In reference to stocks, traders who label themselves "investors" usually play stocks from the B... read more