www.MyMoneySave.info

Sometimes debt can seem overwhelming. In those instances, or even before things get that far out of hand, get back to basics and try some of these debt handling solutions.

BASICS - Lower insurance deductibles for your homeowners, renters and vehicles policies where appropriate and save money. Don’t take chances on bouncing checks; instead get covered with overdraft protection and pay about the same as what it would cost for one bounced check to cover our account for an entire year. Ask your banker about packaged account services. Many offer free savings and checking accounts with free overdraft protection and checks, free online bill paying and more. When you shop, check your receipts, even for groceries. Many times items ring up at incorrect prices. Sometimes store policy allows for no errors, meaning you get the items free if it wrings up wrong. So carry along a handheld calculator or pencil with small notepad to tally up your charges.

REACH OUT- If you have medical debt, the first thing healthcare offices try to do is get you to charge the bills or refinance your home, etc. STOP. Before you take such a drastic step, check with legal counsel. There are often other steps to take first. For example, notify the billing parties and tell them you need to apply for financial aid. Many have forms to complete, and although they may be lengthy, remember they’re for free money to pay your bills. Reach out, take forms and fill them out. Then set up minimum payment arrangements for the remaining balances, even if it’s just $10 a month for 30 years. Healthcare bills are not like credit card debt and do not need to be reported to the credit bureau in the same manner.

Also reach out with merchandise and return any recently purchased items that you can for a refund. Credit cards and mail order companies generally allow you 30 days to inspect your purchase. Return any you can for refunds. If purchases are beyond the 30 days and for various reasons don’t hold up to their end of the “bargain;” i.e. they broke already or never worked right to begin with, get on a letter writing campaign pronto. Write the place of purchase and copy the manufacturer, the distributor, the Better Business Bureau and your state Attorney General’s Office. State the reasons our product is faulty and that you want a refund. It’s often rewarding to get help with other entities like these. No need to go it alone!

So before your debt gets out of hand, take charge and get back to basics. Put some of these debt handling solutions into practice and make the most out of what you have.

Masni Rizal Mansor is a successful webmaster and publisher of Best
Reward Credit Card. He provides
tips on how to apply cash
back credit card and gas
reward credit card.

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The working environment these days is insecure, and there is no such thing as a job for life any more. While some careers are far more secure than others, such as a profession with rare skills like veterinary surgeon or doctor, generally speaking you should not expect to go into a job for life when you leave college or university. You may not even get the type of job you want in the career that you want.

When you start to think about career training, it is probably in your interests to be prepared for alternative careers, or maybe careers that can be moved from one industry to another. If you set off on a single track and that route hits a dead end, then you may struggle to redirect yourself into another career.

Precisely how you go about dual career training is going to depend on what your first choice career is, and the types of skills that are required for that career.

I will use my own example and hope that it may give you some ideas for your own situation. As a teenager I presumed I would make a living from writing, but I was realistic enough to realise that that would not happen overnight, so started working in offices at 18, in order to save money for travelling and take off 6 months at a time to write.

I soon realised, back in 1970, that there were two skills that would become increasingly important across a wide range of jobs: finance and computing. With writing in the background, I focused on developing finance and computing skills, and always keep up with developments.

As it turned out, like many who aspire to writing, I made no living from that whatsoever; although today, 36 years later, I do. In the meantime, I have metamorphosed through computer systems analysis, computer system testing, qualifying as a management accountant and into project management where all those skills were used. I was able to move from one project to another quite different type of project without too much of a problem. All of that set me up with the business skills and confidence to have my own business in the UK.

Looking back, it was important that I kept developing a range of skills and was flexible about moving between jobs and disciplines. I had several career changes along the way, but all built on that original decision to develop skills in finance and computing. All that led to being able to take an occupational pension early, at 50, and carve out a new living online and writing from my dream location, a tropical island in the Philippines.

Your situation, aims and ambitions will be very different to mine, but I do believe there are some lessons to be learnt from the way my “careers” have run into each other and from each other. From examining your own experiences, training and ambitions, you may well be able to spot some ways you can better prepare yourself for dual careers or career changes. There could come a day when that is critical.

This career development article was written by Roy Thomsitt, owner and part author of the Routes To Self Improvement website.

NU U, an exciting devlopment in ezines. Our new Self improvement ezine in audio. Sign up now for regular audios on subjects such as meditation, self esteem, shyness and many more self improvement topics.

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Cram as much content into the brochure, after all
you paid for the printing and the ink - you’ve got to get the most out your investment.

Remember that even if you have the most gripping content out there, if you brochure’s layout isn’t inviting, interesting and non threatening, no one will read what you have to say. Business owners are most likely to fall into this trap when developing ads or marketing collateral it’s this one. Your parents and your grade school teachers were right - sometimes less is more.

Write what you think the important features about
your products and services are.

Oh no, please avoid this like the plague! What you want to focus on is the value as it relates to your clients and customers. Keep in mind who is buying from you; your client are, you’re not buying from yourself. If you want to know what your clients think, feel and want - ask them! If you’d like some guidance on how to ask you clients, call me, I’ll be happy to instruct you how (I’ll probably ask you a few questions as well). Everyone is tuned into the same radio station (WIIFM, what’s in it for me), so everything you include in your brochure should benefit the client from her/his perspective. Does that make sense to you?

Print your brochure to inform people

If you’re in business to sell information, skip this step, but if you’re like most small businesses, you’ll want to read this. I’ll ask business owners, “Why are you having this brochure designed? What is it going to do for you?”, they respond, “We want to keep our customers informed”. Hey, that’s great, keeping people informed is good, but it won’t bring in any sales, and most businesses wouldn’t be investing hard-earned money on something that won’t help the company grow. This is why it’s so important that you as a businessperson take a moment and clearly identify why the brochure is being designed and then setting up some objectives you hope to achieve with it.

Recently a physician contacted me about having us design a brochure for her. She didn’t have an answer to why she was considering having the brochure designed, and didn’t have any clear objectives for it. In the end she designed the brochure herself and didn’t really get anything out of it.

If you want to get the most out of your brochure investment, you have to start with a plan.

Leave it up to the prospect in what the want to
do next

Wow, I started laughing when I wrote this one; this is another outstanding way to make sure your brochure finds its way into the circular file. Of course you don’t want that to happen, so what you want to do is to articulate a clear and defined action step that you want the prospect to take after the brochure. You want to lead your prospects by the hand through your sales process. If you don’t have a sales process, call me, we’ll talk about getting you one, they are critical.

Here’s a trick, find a niece, nephew, son or daughter and ask him/her after reading the brochure, “Do you know what the brochure is asking you to do next?” If she/he doesn’t know what the action step is, you need to go back and make it clearer. The next time you read the paper or see a commercial on television, take a moment and identify the action step, you will almost ALWAYS see one in there, that’s because they are leading you down the path to buying from them. You want your brochure to do the same thing. Now there effective and ineffective action steps, so you want to make sure that the designer who is creating your brochure understands marketing and can develop the right action step to get your prospects to act.

Do it yourself to save money

Well this is a tough one; of course not everyone can afford having professional marketing materials, right? Well, if you want professional results and you’re serious about growing your business you might want to consider it. Business owners by the thousands design their own collateral materials - you can do this too. You’ll want to ask yourself,

How effective am I going to be at designing something that achieves the level of professionalism I want?

Am I going to lose out on sales because my marketing collateral looks mediocre? How much is that costing me?

In terms of dollars and cents, what results can I realistically expect if I design this myself? What kind of results could I expect if I had someone design this for me?

Just remember that your marketing materials are a reflection of your company, your character and your level of professionalism and quality. Based on who you elect to design your brochure, you have the choice to look professional, intelligent or amateurish and no so savvy. Keep in mind that people, whether choosing a date or choosing who they do business with, make up there minds within the first 10 minutes, so you want to make sure you look like the clear and undeniable choice for your prospect to do business with, and well-designed brochure from a business savvy designer can help you do this.

About Jeremy:

I help small businesses build more confidence and credibility into their business brand. Through marketing and design initiatives; I help you feel better about your company. Making you feel good about your business gives you more confidence and less anxiety when you are networking, promoting or selling your business. If your business needs the reliability and talent of an in-house marketing and design department but doesn’t want additional employees, salaries and benefits, give me a call at 480.391.0704 - I have a new approach for you.

If you are looking for more free insight and inspiration, you’ll want to get in on the “Can-Do Confidence Builder”. Emailed weekly, the Confidence Builder provides you with essential marketing and design insights that help you get the most out of your investment and help you to stay one step ahead of the competition. Email me at comments@candographics.com and asked to be added to our list or visit http://www.candographics.com

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