I guess you’ve been hearing salmonella, melamine, and lead-contaminated products lately. In a business, there’s a saying that consumers are always right. It’s because consumers are the lifeblood of a business. They provide profits. They keep the business alive. It’s always the right of every company to produce quality products for their consumers. One defective product can lead to tremendous losses of the company. But how do we deal if we, as consumers, get a terrible service or an

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So you’ve purchased your very first rental property in a good location. I salute you especially if you got it at a huge discount than its market value! You already did some renovations and repairs and now ready to rent it out to possible tenants for a continuous passive income. But how do you attract good tenants? Tenants can make or break your landlord experience. When you get good tenants, leasing is a breeze. But one bad apple could make you regret buying that rental property. Your

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In one of my earlier posts, I explained in brief detail about bond investments thru a mutual fund. Now, I would like to go deeper and discuss in great detail about investing in bonds. Bonds are an important mix in a good investment portfolio and a smart way to offset the ups and downs of the stock market. You will notice that somehow these are the safe haven of investors when the stock market is down. Bonds are considered safer than stocks, although historically their return is lower. But

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Are you a frequent shopper of Ebay or Amazon? Online auctions have been the trend nowadays because of its convenience. But some people also take advantage of it and use it as a tool to find their scam victims. I myself have been using online auctions before when I had my buy and sell business of mobile phones. If you’re not ready to give up online auctions but you don’t want to be a scam victim either, I do suggest to take these safety tips to protect yourself and leave scammers wallowing

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Budgeting has been one of the most used word in personal finance. But what is a budget and how do we implement it? A budget is you telling your money what to do. You have to tame your money like a pet. You have to make your money behave, and written plan is the whip and chair for the money tamer. You can still tame your money even if you’ve failed at budgeting before. Here are some of the most useful tips on budgeting. With these tips, I’m sure you can create a budget plan that

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