Times are tough nowadays. There are a lot of job layoffs and salary freezes. Companies are squeezing their budgets so employees are multitasking as of now performing two or more job responsibilities more than they usually do without getting enough salary increases. If your job responsibilities have changed and grown, you should address this situation with your manager as soon as you can. If you don’t you’ll only build resentment and also miss a valuable opportunity for

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There might be nitty-gritty stuffs in your home that needs repair. I admit, I am not that knowledgeable when it comes to home and electrical appliance repairs. I envy my dad because he has a lot of knowledge when it comes to it. He don’t need to bring the appliance to a service center or hire a contractor to service us for little things he can handle. That saves us a lot of money yearly! Hiring a handyman to work around your home is a luxury to many people can’t afford. But before

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There comes a lot of times in life that you need a contractor. When you need house repair, you need a caprenter contractor. When your bowl was clogged, you need a plumber contractor. When you need a repair on your computer, you need a computer technician which is also a contractor. The most important step in any renovation or repair is finding the right contractor. Choosing the contractor is key to the success of the project, no matter what the project is. Getting someone who is reliable,

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In my pursuit for further educating myself when it comes to achieving financial freedom, I enrolled myself in a free online coaching in the Rich Dad Poor Dad lessons of Robert Kiyosaki. In one of the chapters of the e-learning that I’ve been reading, Robert Kiyosaki suggested the Rich Dads Get Rich Strategies in which he used to get out of the rat race and become a business owner and investor. I would like to share it all to you my readers so we can also use it to achieve financial

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It was one of my most unforgettable experience. In our 15-year stay here at Metro Manila, it was the first time that floods went that high. There were only two instances that flood entered our house, the first one was with Typhoon Rosing way back before. It was Friday night when a long and steady rainfall started. At first, I thought it was just a normal rainfall. I woke up Saturday morning and it was still raining hard. Around 2PM that day, the water started to enter our house. It came from

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Sales is the heart of every business. You have to make a sale in order for your business to make profits. You have to do a lot of marketing and advertising in order to generate sales. You have to hire the best sales team under your wing to help you generate revenue for your company. We’ve heard a lot of successful sales agents making millions. They have huge sales incentives, huge sales commissions, etc. They are sales representatives selling real estate properties, insurance policies,

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Nowadays, with the global financial crisis, finding a job is really hard. With a lot of unemployed people looking for jobs, you would have to compete with them. But what if you suddenly received a call or a letter from a company asking you for a job interview. Hurray! Your CV passed and you’re now moving on to the next step and have got through the door. You have to assume now that what they read on the application form, in your covering letter, and on your CV has illustrated that you

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Sales proposals are very important for an entrepreneur to close a sale with a client. With the vast competition that entrepreneurs have nowadays, how can they write a winning sales proposal to be able to win a deal? A sales proposal is just the first communication that you want to establish with a client. Valuing one’s client should be intrinsic to every entrepreneur for them to become successful. Every entrepreneur should commit themselves in a philosophy of serving, and not merely

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Earn more and desire less. These are the words that have utmost importance when you want to achieve financial freedom. No matter how small your income is, if you desire less, definitely you will spend less and you can consider yourself to be “wealthy”. I believe our lifestyle determines whether we will be wealthy and financially free. There are a lot of persons out there who earns a lot but still because of their high lifestyle, however how huge their income is, all are spent and nothing

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Bargains are everywhere nowadays especially this time of recession. There are a lot of price drop off because consumers are tightening their budgets to survive the crisis. You can go to your favorite bargain store or you can also shop online through auctions such as EBay. You might just be surprised how many salespeople will drop a price or sweeten the deal to get your business. You just have to ask for them. So I am enlisting some tips to increase your bargaining power to get the item that

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Banks provide interest on your deposited money. They provide you an income for your hard earned money. But banks can also steal your money in the form of bank mistakes. Bank mistakes can cost you money, and they usually aren’t cheap. If you are not aware of it, your cash could be gone for good. Banks may not mess up often, but when they do, it’s up to you to hold them accountable. Stop banks from stealing your money by following these useful tips:   Debit card fumbles. Bank cards make it

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These past few weeks, I am thinking of starting another category for this blog. I want to offer more help to my readers and so I decided to have a tips category that will help my readers to achieve those financial goals. Nowadays, because of the global financial crisis and job lay offs around the world, it’s tough to apply in different companies. It’s hard to lose a job especially when you have a family to feed. Because of this, I decided to write a post on cover letters that

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