Entrepreneurship 101: Create Marketing Knowledge About Local Conditions And Opportunities

How did you learn how to create demand for the offerings your company provides? Most people either go to school or learn on the job. Sometimes, they do a little of each . . . as I did. When I was studying at Harvard Business School, two methods were used to teach marketing: cases involving specific decisions facing real marketing managers; and unpaid consulting assignments working for companies with unresolved marketing issues. In either course style the issues studied always related to U.S. [more...]

Date: 2009-09-30 20:21:59

Blog posts (214) | Videos (82)
 

Always Use Caution When Using 0% APR Credit Card Offers

Amazon.de Widgets There is nothing wrong with chasing offers of 0% credit cards, in fact many people have benefited greatly from doing just that, but did you honestly expect the credit card companies to allow this card jumping to continue indefinitely?Offers of 0% credit cards have been around for quite a few years now; they are a successful marketing ploy by the credit card industry aimed at stealing customers from competitors and were an overnight success with a public that was fed up of paying [more...]

Date: 2009-09-30 22:17:04

Distressed For Sale

While buying and selling regular homes might provide you with a limited profit margin, it is in buying distressed homes, rehabbing them and then selling them off, which can provide you with a very high margin. This specialized niche will require you to develop an extensive network of information of sellers and buyers and thorough legal knowledge to ensure that you do not get stuck with a desirable property at an undesirable rate or get caught in a legal wrangle after you have purchased it. [more...]

Date: 2009-09-30 10:22:22

We’re Still a Nation of Spenders, Not Squirrels

Will we be spenders or savers? It is a big question for the economy. Without a rise in consumer spending it is hard to get economic growth. It is also a big question for retailers and other businesses relying on consumer demand. The evidence on what has been happening so far is mixed. Official figures suggest that retail spending has held up better than many other parts of the economy, with a 2.1% rise in sales volume last month compared with a year earlier. [more...]

Date: 2009-09-30 18:56:25

Generating a Robust Recovery

Economic Policy Institute: Generating a Robust RecoverySeptember 30, 2009: 2:00 PM - 4:30 PM Officially, the Great Recession may be coming to an end, but it will leave in its wake historically high unemployment and a host of other serious economic problems. How will policy-makers promote a robust, employment-led recovery that will lay the foundation for strong, long-term growth?  Meeting this challenge requires both the will to continue investing in families hard hit by the recession despite [more...]

Date: 2009-09-30 15:48:44

Bad Credit Debt Consolidation Loan Advice

Before considering a bad credit debt consolidation loan, think very carefully about your financial status. Once a consolidation loan goes into effect, it often has to remain in place if bankruptcy is declared further down the road. In the past, it was a dishonorable thing to declare bankruptcy, but times have changed with our current bad overall economical situation. Consumers are wise to consider all options before deciding upon what the best option is for your unique financial situation. [more...]

Date: 2009-09-30 18:01:54

13 Comments

229 views Nestle Family Blogger DramaAnnouncements — By Trisha-admin on September 30, 2009 at 3:15 pm I wanted to say, on my own little spot of the world that no one else can regulate (and longer than 140 freaking characters), that I don’t find any of this Nestle crap attacking bloggers appropriate.The message has been lost by those that were trying to advocate a true issue. I would be furious if I was trying to get out information on a cause and this was the result. [more...]

Date: 2009-09-30 20:15:36

We're Still a Nation of Spenders, Not Squirrels

Will we be spenders or savers? It is a big question for the economy. Without a rise in consumer spending it is hard to get economic growth. It is also a big question for retailers and other businesses relying on consumer demand. The evidence on what has been happening so far is mixed. Official figures suggest that retail spending has held up better than many other parts of the economy, with a 2.1% rise in sales volume last month compared with a year earlier. [more...]

Date: 2009-09-30 18:03:11

The House Bounce?

Houses bounce too… Not much happened yesterday. The Dow fell 47 points. The newspapers attributed the reversal to surprisingly low consumer confidence numbers. Apparently, consumers aren’t so sure this crisis is over. As we reported yesterday, they’re saving money…maybe even at an 8% rate. Oil didn’t move yesterday. Neither did gold. The Wall Street Journal reported that markets were reacting to “mixed data.” That is to say, some reports were encouraging. Others were not. [more...]

Date: 2009-09-30 20:00:05

A Delicate Balance: the history of Liberals and hung Parliaments

The Liberal Democrat History Grou p meeting at Bournemouth Conference, supported by The Guardian, looked at hung Parliaments. In his introduction, the meeting chair Duncan Brack explained that one reason for picking the topic is that work such as that by John Curtice has shown that the odds of the next general election producing a hung Parliament are much better than they have been for many years. It is a point that was also made earlier this year by Michael Crick . [more...]

Date: 2009-09-30 12:20:31

Wall Street Breakfast: Must-Know News

CIT on the brink. Sources say CIT Group ( CIT ) is preparing a sweeping exchange offer that would eliminate 30-40% of its $30B in debt, giving bondholders new debt with a later maturity, and nearly all the equity in a restructured CIT. The plan is likely to be more attractive to bondholders with near-term debt, and some insiders say competing bondholder interests are likely to thwart any deal and send CIT to bankruptcy court. CIT -24% premarket. IMF turns optimistic. [more...]

Date: 2009-09-30 11:20:04

In The News Today

Barrick and its OTC Short of Gold Derivative Obligations: I am asked constantly how Barrick can cover all their hedges. The answer is quite simple. Barrick does not have to buy one ounce of gold. You buy your way out of hedge contracts with paper money. The simple question is what does the long side want to release the obligation in light of future possible profits on the position? What a hell of a needlessly expensive mess. [more...]

Date: 2009-09-30 19:48:55

Clean Energy Jobs and American Power Act an improvement over House bill on offsets

With respect to offsets, the Kerry-Boxer bill is a distinct improvement over the ACES . It allows a relatively strong approach to offset integrity, avoiding negative social or environmental effects, and facilitating possible integration with other systems. It also addresses some issues that will be important to the functioning of a trading market, but still leaves some uncertainties that could cause problems in the market. [more...]

Date: 2009-09-30 21:05:41

Obtaining Your Own Personal Instant Approval Credit Card

by Chris Channing The idea of an instant credit card doesn’t seem so safe at first glance. After all, there is plenty of debt in the world, and much skepticism for new financial ventures that comes with it. Instant credit cards are offers in which can tell you if you are approved in seconds- and are lenient on who may apply. The approval process for an instant approval credit card, surprisingly, isn’t going to be as simple as the title would imply. [more...]

Date: 2009-09-30 11:09:19

Need Info About Credit Cards – Read this Publication

When you are looking for a credit card offer you probably want something that will correspond to your needs, not something that is most advertised and popular. Different people have different lifestyles and spending habits, and they want different credit cards which will help in various life situations. If you like travelling or if you just travel a lot make sure you find a credit card offer that provides special bonuses which will considerably enhance your journeys. [more...]

Date: 2009-09-30 10:17:59

Opting For Bad Credit Refinance Is Like Walking On Thin Ice

Opting For Bad Credit Refinance Is Like Walking On Thin Ice by Angus GuyWondering whether it is possible to get a bad credit refinanced or not? Well, you can most definitely get a bad credit refinanced as there are several people who take to this recourse. Normally, your credit ratings dictate the future prospects of availing a further credit. However, despite the low credit ratings; Bad Credit Refinance is definitely an option available.The bad credit situation is a result of various factors. [more...]

Date: 2009-09-30 21:56:17

Retail Sales Disappoint

Retail sales disappoint….  Chuck’s views on the Lone Prop…  Waiting on the ECB…  Emerging market currencies sell off…  And Now… Today’s Pfennig! ... according to yesterday’s report from the Commerce Department. The falling home prices, rising job losses, and tighter credit have all combined to finally force US consumers to adjust their spending [more...]

Date: 2009-01-15 17:57:41

Tax or No Tax?

The good news: nearly 50% of American households (47%, to be precise) won’t pay any federal income tax in 2009. The bad news: the remaining 50% (or so) will have to foot the bill for everyone. You can thank (or blame) the new economic recovery package for bumping the percentage of taxpayers who won’t be paying a wee bit higher (about 10%). But don’t just start pointing fingers at the working poor. [more...]

Date: 2009-09-30 20:42:30

The Psychology Of Gambling

Check out my Big RSS Subscriber Contest after reading this article. This might seem like an odd post for this blog, but stick with me for a bit. Over the last couple of days, I’ve read some stories about people in positions of some type of authority that have been caught stealing money from their organizations and using that money to support [more...]

Date: 2009-01-17 19:44:58

One Sad Turtle

When I walked into Chez Oskar for a date with a librarian I was expecting an interesting evening that may or may not go somewhere. I have often been told my expectations are too high.    I take full responsibility for the evening. I met him on Craig’s List, where I swear, from now on I will only shop for sofas and kitchen appliances, not men [more...]

Date: 2009-01-18 00:36:04

Things You Need to Know Before Raising a Private Loan

Things You Need to Know Before Raising a Private Loan by Martin ElmerA personal loan (consumer loan, private loan) could be an option, if you are short on money. But before you are raising a loan, you better learn about concepts like security, fees and interest rates.A personal loan is defined as a loan rose by an individual. Normally it is raised to buy something (like a vacation or a television). But it can also be used to pay of other dept. [more...]

Date: 2009-09-30 11:41:02

Highlights and Lowlights of BofA’s Earnings Call

Bank of America moved its earnings announcement up to this morning to soothe investors after The Wall Street Journal’s report that BofA would need ... and $27 billion in credit costs. Many of the problems originated at Merrill Lynch, which had a loss ... Goldman Sachs research analysts noted wryly in a research report this morning. BofA CEO Ken Lewis [more...]

Date: 2009-01-16 16:01:30

Labour List - a warning to all potential contributors

During a previous conversation, LabourList.org founder and controller Derek Draper suggested that I share with the class the our entire email ... without credit and the apparent pretence of spontaneous submission, because he deleted the version ... creative material without credit? Are you really pretending to receive submissions from the general [more...]

Date: 2009-01-16 14:57:16

Fifth Week: Overcome Your Worry by Overcoming Your Fear of Failure

I don't know about you, but no one ever taught me how to fail successfully. There was no course in college called, "Failure 101" ... . But what is so bad about a failure---now and then? I'll give you an example of someone I know. Let's call ... he was loser. But, much to his credit, he actually decided to study really hard before he took [more...]

Date: 2009-01-16 17:02:00

Employment Background Checks

by Ben Dave Background Checks are typically conducted discreetly. By that token, it is sneaky to some degree ... , Negligent Hiring being the big issue that it has become in human resource operation. Credit or loan ... . Employers, credit officers, landlords, lawyers, business partners and even prospective in-laws [more...]

Date: 2009-01-17 14:39:08

There’s More Banking Crisis Ahead

This morning, we’ll get accelerated earnings announcements from Citigroup and Bank of America. They basically have to do this because the whispering and the uncertainty about both enterprises is starting to get really hard to ignore. And BAC just became the recipient of a government-assistance deal much like what Citi got in December: [more...]

Date: 2009-01-16 12:00:38

Open Thread 1-17-2009

Bad to the Bone—George Thorogood On the day I was born The nurses all gathered ‘round And they gazed in wide wonder At the joy they had found The head nurse spoke up Said “leave this one alone” She could tell right away That I was bad to the bone No particular theme for this weekend’s post. Sometimes you just want a little [more...]

Date: 2009-01-17 15:09:04

Fight Fire With Fire!

“Yes, one right at the back, red tie, just underneath the cabinet rack,” said Ben Bernanke.   The Fed chief was giving a speech at the London School of Economics on Tuesday. When time for questions came, our old friend, Terry Easton, wearing a red tie, raised his hand. Aren’t you just making the situation worse, Terry wanted to know [more...]

Date: 2009-01-15 18:19:54

Tourism and Bailouts

Halfpriceland - “Are you here for the nature or the exchange rate?” I won’t bore you with too much news or a bunch of statistics ... to when in need of CASH - tourism.  I hate subsidies and bailouts because they distort free-market forces.  However, we must differentiate between those and the need to recognize and operate tourism [more...]

Date: 2009-01-17 13:20:40

And Then There’s This…Thursday, January 15th, 2009

As per usual these last few days, gold did nothing in Far East or European trading ... time when a rally commenced. But it was all for naught once the London p.m. fix was in. The bids ... -) will move their earnings release date to today from next week. How bad must their numbers be? Citigroup’ [more...]

Date: 2009-01-15 20:30:45

weight loss tips: All about Weight Watchers Online

If you’re a regular reader, you’ll know that I recently lost that pesky last 10 pounds I was carrying around. It took just shy of 2 months, but as of this week, I am officially at my goal weight: 120 pounds. (which also means that my Points Tracker on the Weight Watchers website added another THREE WHOLE POINTS for me. EVERY DAY! [more...]

Date: 2009-01-18 02:20:34

America Has Lost Focus

I worked 34 years for the same corporation. We had a CEO who grew the corporation from a Mid-West based refiner marketer to an international production, refining, chemical and marketing company. He selected his successor more than ten years before he retired. The successor was anointed. He was told he would be the CEO when the current CEO retired [more...]

Date: 2009-01-18 02:48:49

Matt Weiner: Post-Golden Globes interview

This is a chat between Deborah Lipp and Matthew Weiner on Monday, January 19, 2009, the day after Mad Men won the Golden Globe award for Best Television Drama. It was before he signed the contract with Lionsgate, as you’ll see. My experience with interviewing Matt is you maybe get one question in and then he’s off and running; full of thoughts, [more...]

Date: 2009-01-18 02:36:39

Good Bank - Bad Bank

What a turbulent three weeks of the New Year it has been! It began with the hope that major stock markets around the world ( ... at resuscitating the credit markets. After the TARP approach of investing in Banks’ preferred stock ... bureaucrats is to segregate the “bad” assets on Banks’ balance sheet from the good ones [more...]

Date: 2009-01-18 04:32:12

Top 10 at 10: MAF warned last year (by Carter); PGC and Jacks Point; Norris attacks Kiwibank; Dilbert

Here are my top 10 links from around the Internet over the last couple of days. My apologies to regular readers disappointed by the non-appearance of the Top 10 at 10 yesterday and today’s late appearance. I was simply swamped with the news, tips and interviews from the Crafar story, where the wider economic and financial implications are now becoming apparent. [more...]

Date: 2009-10-01 00:26:58

Tomorrow’s Star Bloggers Talk About Blogging

When a blogger becomes famous, everyone wants to get in touch with her, asking for interviews, sharing their post ideas, or just looking for a quick chat. But at that point, reaching out to her might already be too late. Unless the blogger tells you otherwise, there is nothing wrong with trying [more...]

Date: 2009-01-17 13:04:41

HPI Interview: U.S. Rep. Mike Pence

By BRIAN A. HOWEY INDIANAPOLIS - HPI ran into U.S. Rep. Mike Pence - now the third ranking Republican in the House - at the Statehouse inaugural on Monday, which set in motion this interview mid-Tuesday afternoon as Pence prepares to become one of the key Capital Hill loyal opposition voices to incoming President Barack Obama [more...]

Date: 2009-01-17 15:00:23

Sondheim: The Review So Far (Part 1)

OK this is the first part of overly long commentary about the new Sondheim CD set “The Story So Far” cuz I’m bored and I’m listening to it and I am ... ) They rejected it, too bad, cuz I used to watch this show as a young kiddie and mighta become ... out the disks to find out. Too bad I wasn’t compulsive when I imported those into iTunes. They Ask [more...]

Date: 2009-01-18 01:14:51

Sunday Papers 18 Jan 2008

Pushed for time this week, so the Bloggosphere round-up is a little short - I’m off on another real-world assignment to the darkest corners of Asia this coming week, but I’ve left you with plenty to read below, and have scheduled a load of articles to appear each day while I’m away - have fun y’all [more...]

Date: 2009-01-18 06:41:32

Class Wasted on Crass

Obama disses Bush despite Bush’s extraordinary efforts to ease transition! President George W. Bush and President-elect Barack Obama meet in the Oval Office of the White House Monday, Nov. 10, 2008. White House photo by Eric Draper In the series of interviews President Bush has given in the last few weeks you won’t hear him [more...]

Date: 2009-01-17 06:47:07

WSJ: Bank of America to Receive $20 Billion Injection, Support for $118 Billion of Loans

The market's case of nerves this week seems a tad more justified, given that the details of the Bank of America rescue plan are apparently out, Previous press reports suggested the Charlotte bank might need $8 to $10 billion of additional equity to compensate for losses related to the Merrill acquistion. Yes, as Senator Everett Dirksen said [more...]

Date: 2009-01-16 06:21:44

Background Check and Prevention

Criminal background checks are becoming a vital part of the hiring process. Certain people with bad criminal records might reflect some potential for bad circumstances in the future. If a person has embezzlement on their criminal record, a bad experience involving large amount of money may be prevented by a criminal background check [more...]

Date: 2009-01-18 02:01:34

TECH SUPPORT INTERVIEW: the crafts of ‘The Reader’

The past week has been exceptionally good to Stephen Daldry’s “The Reader” on the awards circuit.  The film followed up its five Golden Globe nominations with the same number from BAFTA, not to mention Kate Winslet’s BFCA and Globe awards for her performance as Hanna Schmitz [more...]

Date: 2009-01-17 23:49:53

Build An “Annuity” Of Websites

A funny thing happened to me the other day. I got an invoice from 1and1, the ISP I first started using for my online business is. Payment had been set to automatically charge my credit card, but I had recently replaced that credit card, and so the invoice wasn’t paid automatically. It seems that I had some domain [more...]

Date: 2009-01-17 19:05:27

You Need Credit Scores With A Credit Report

By John Rasor the importance of knowing and understanding your credit history and score I recently logged on to annualcreditreport ... that people with bad credit are more likely to file a claim than people with good credit. As a result ... .com to get my once a year free credit report but to my surprise there were no credit scores [more...]

Date: 2009-01-17 19:01:47

Only Tighter Regulation Will Stem this Crisis of Confidence

“I have a funny feeling that we’re not in Kansas, anymore ... as to how we got where we are – not to mention about who and what caused the housing bubble, the credit ... reprise of the Great Depression. All the opinions and bad directions aside, we would not have crashed [more...]

Date: 2009-01-16 15:45:30

Credit Reports can be a Teaching Tool

by Rob Kosberg All of us have probably been informed that our credit report is a very important document ... on each report, locate any and all errors. It is up to each individual to monitor his/her own credit ... credit. We can obtain copies of our credit report for free, on an annual basis, from the three major [more...]

Date: 2009-01-17 15:18:02

Financial Management Course:Deudas

What is debt elimination? Debt elimination is the process of getting your outstanding debts under control and then avoiding getting into debt in the ... you a lot of stress, it will also destroy your credit ratings. Once your credit ratings go bad ... , housing and credit card debt crisis, a lot of financial companies in the country are offering different [more...]

Date: 2009-01-17 14:46:14

The Endgame

The Endgame by John Mauldin January 17, 2009 • Employment Numbers Are Worse Than Posted • Aye, Captain, I’m Giving Her All I’ve Got! • Problem #1: Deflation • Problem #2: Pushing on a String • The Muddle Through Middle • Conversations With John Deflation? Stimulus? Deleveraging? Recession? A soft depression? A return to a bull market? [more...]

Date: 2009-01-18 02:04:12

Altruistic Paradox, Virtues of selfishness, A perspective

Is it that any action done for the others good is necessarily selfless? Is it that any action done for the others good is necessarily selfless? More so, is every action done in interest of self, selfish? Our understanding of terms selfishness and altruism are often derived from the general social view that we are carrying [more...]

Date: 2009-01-17 19:01:18

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