5 Top Tips for Improving Success by Time Management

We know for a fact that time is a very precious resource you need in accomplishing the different tasks and responsibilities. This not only applies to your professional but also to your personal life. Time is important in achieving life goals, sharing moments with loves ones, or simply doing the day to day activities in your life.

Often you may find yourself lacking the time needed to fully enjoy everything that life has to offer you. Almost always we end up rushing from one task to another, having our hands full all the time. We end up realizing at the end of the day that we are extremely exhausted. Yet there are still tons of things which need to be done.

Experiencing all of these is indeed very stressful and overwhelming. That's why it is important to develop effective time management skills. These skills will help you towards ironing the chaos that result from exceedingly hectic schedules and life plans. The result is a much smoother way of spending your time and at the same time getting things done.

The following are five simple steps you can take in order to manage your time effectively:

1. Know the Difference Between Urgent and Important

Identify the difference between whether responsibilities or activities are important or simply urgent. Important tasks need thorough planning and good consideration since these are the ones that will lead you towards your long term goals. Urgent ones are often not really important but nonetheless demands immediate action.

2. Learn to Prioritize

At the start of the day it's always important to identify the things you need to accomplish. From the list of responsibilities determine what should be done first and what you can attend to later on. Doing this gives you a clear picture on what tasks demands longer hours and what requires extra time and effort. This gives you enough opportunity to prioritize and manage your limited time. Once you set the sequence of things to do learn, make sure you respect and stick to your priorities. This demands discipline especially most often there are numerous temptations that will bombard you into doing less important things.

3. Learn How to Plan

Create a system where your specific actions help you in achieving your life goals. This requires proper planning before you start. You need a vision. Devise short-term and long-term goals and objectives. Identify potential conflicts and crises that you may encounter along the way. This allows you to be prepared for any possibilities and enables you to come up with efficient solutions.

4. Schedule Your Activities

Set a timetable for your duties and responsibilities. Allot specific time for every task depending on its urgency or importance. Sometimes you cannot avoid but end up with an overload of responsibilities. This is why it's necessary to schedule your activities so that every task has specific periods of time for you to accomplish.

5. Say No To Tasks Not Supporting Your Goals

Learn how to say no when necessary. When given tasks that you think are irrelevant... have the guts to say no. Better yet, avoid activities that do not help you in accomplishing your plans.

When you make sure you use these 5 tips you will improve your output and at the same time lower your stress. Enjoy the day!

What you don't know yet, is how a little twist to this system makes it even more powerful using a practical mind map. Learn how mind maps will make you muc

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How to Start a Successful Home Business in Little Time

Currency trading is the best home business to set up. When you are good at it your avenue is tiled with gold ingots if we embroidered just a trifling.

Did you ever think about making money in Currency trading as a Business Opportunity?
I did and I was dissatisfied at first, however, after doing some home effort, I was wholly positive with this plan. I consider my initial losses in Forex nothing but a startup expense that's coupled with any enterprise you can imagine. Dead forever all my sorrows.

One detail that I like about the Forex industry is that you can exercise at no cost for as long as you wish, and an added thing is that you can amass as much information on as you can perhaps deal with before you leap into this endeavor. Awareness, training and some modest startup investment is all you require. If you do not possess the last, or the needed money to start an account then all you get to do is learn to be lucrative in virtual account and convert a wealthy friend of yours to go in shared venture with you, many are doing this. You handle the account for your well-off buddy who's funds is collecting nil but dust someplace even in the bank account your friend's savings would barely formulate him 4% a year. if you develop into a winning Fx trading trader you can brew your buddy this hue of revenue every sole trading day instead of an entire year after you receive yours. A Forex account administrator is entitled to more than 30 per cent of all profits on preliminary invested capital.
You can study Forex trading by browsing straight forward resources that offer loads of information in relation to Currency trading all at no charge, you can get a set proven technique or put off until you come up with yours.

One such ready trading approaches that you can rush and seize it to demote the time considered necessary to develop into a thriving currency trader is the Forexbody Forex Trading System. This approach is so simple that any person without even the least idea about Currency trading can learn, first by browsing the important neutral information and watching the free Metatrader screen recordings on the forexbody website. Particular lexis about the Forexbody metatrader screen recordings, these measures are not for fresh starters guys and kids, these videos demonstrate notably very aggressive forex trading that can only be done by those who have become very good at the game fine. Picture an account doubled in 10 minutes, yes screen recordings on Forexbody site demonstrate just on the dot this breed of work, but on the other offer, as a learner you get assiduous advice on the site and instructions on trading the calm system to success.

The website has Currency trading signal by sms that you can appraise for free. the signal has a success rate of over 94% and if you are to be fulfilled with just the remarkable 10 pip yield limit per trade the success rate would exceed 98 %. Even trades that develop into losers revolve to winners when given time. There a abundance of information on how to be victorious using Forexbody two times a day signal and there are 10 rules you have to bear by and according to Forexbody author, you can double your account every 45 days with low risk trading routine. all you need is self discipline and a solid will to yank the trigger at once upon getting trading signal.

To be able to sustain sound income you need to apply the low risk method, with this tactic a little account can be started and developed over a time of 6 months to a highly regarded amount where it can make as much as $3000 in continual earnings, another time without enchanting high perils, while leaving opportunity for additional increase for additional and unrestricted growth in takings.

The Wrapping up, If you ever thought about creating a source of income and working from the comfort of your own residence, you got to give this a try, It will not make you poorer to test the whole thing on virtual accounts that you can get free from many Currency trading brokers worldwide, but you have a likelihood to be your own boss in a short time and a shot on achieving the American desire, stop commuting and fling that dress rules away.

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Marketing Dawns for Real Estate

Nearly everybody uses the internet to help them accomplish their tasks, whether it's work, shop or play. The internet has provided the world with the most incredible and rapid way to stay connected, track finances and shop for things they want to buy. The real estate world has been shaken up with the monetary forecast as of late but now it's got a new tool. Web 2.0 real estate marketing is helping agents achieve some amazing things.

Many people aren't familiar with web 2.0 or know what it's all about. Web 2.0 is the next generation of the internet. It is all about the way in which we exchange resources, information and with each other. Web 2.0 has given the world something simpler, more flowing to be connected with.

Real Estate agents using web 2.0 real estate marketing have discovered a method to reach out, across the planet to a whole new market. Using social networking sites as the foundation of their marketing efforts, sales are starting to snowball in many areas. Interestingly, many realtors never even meet face to face with their clients, thanks to web 2.0.

Social networking sites make it possible for you to create a personal page and post practically any information that you'd like about yourself so that anyone and everyone can see it. Realtors have found this amazingly useful. By utilizing other words that relate to location of the properties that are available, Real Estate agents can create a collection of pages on every one of the social networking sites.


Utilizing these sites to bring interested prospects in, Real Estate agents can generate far more interest in their properties than if they merely used a business website. Additionally, they can link their personal pages to their business sites, to increase business even more.

Web 2.0 allows you to post properties online a give anyone a virtual tour.. A lot of Real Estate agents are receiving interest from out of the country for houses in their local area. Many homes are being sold, sight unseen, within hours of a virtual tour by a propspect. This ease and flexiblility to share information is unprecedented in the industry.

With web 2.0 real estate marketing, a entirety new era of real estate is beginning. Until now, people haven't been able to communicate with each other so easily and use the same resources, across the same medium. With the market in it's current slump, social networking is breathing new life into an old game.

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credit card consolidation

Having multiple credit card debts is a very real and frightening problem that will only get worse if not taken care of quickly. Even if you do stop charging, which is a first and important step, the notoriously high interest rate of credit cards still makes finding the end of debt a problem. This is where credit counseling, and possibly consolidation loans for credit card debt come in. You can get out of credit card debt with patience and good credit counseling.

The advantages of a consolidation loan will be a lower interest rate, which shouldn't be hard with credit card debt, and the ability to make one monthly payment. When looking at companies watch out for consolidation loan fees, make sure the fees are manageable for you and comparable to other companies.

If you have good credit you can look into unsecured consolidation loans, though these will typically still have higher interest rates than secured loans. If you can use your home or vehicle for collateral you can look into secured credit card consolidation loans which will have lower interest rates, but be aware that if you fail to make payments your property can be repossessed.


A popular option for credit card consolidation that should be considered with extreme caution is credit card balance transfers. In some situations people can obtain a new credit card with an introductory low rate. You can then transfer the balances on your high interest cards to the new low interest card. However, in a few months when the interest rate rises you are back in trouble and may have damaged your credit further, making your other options more limited.

Whatever you decide to do with your credit card debt it's important to consider the short and long term possibilities. Credit card consolidation loans can be a good option for a lot of circumstances, evaluate carefully.

For more information on using consolidation loans to safely get out of debt and finding top debt consolidation loans visit Unsecured Debt Consolidation Loans

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Source: http://www.articlealley.com/article_891225_19.html

Loan

Loans A loan is a simple concept: Someone gives you money in exchange for your promise to pay it back. The lender could be a bank, friend, family member or anyone else willing to lend you money. The lender will almost always charge interest, which compensates the lender for the risk that you won’t pay back the loan. Usually, the lender has you sign some papers (called a note and loan agreement) spelling out the details of your loan agreement. (See Article 10, Section D1, for examples.) While these basic concepts are simple, not everyone seems to clearly understand them. For example, some people put a great deal of energy into arranging to borrow money, but think little about the hard work that goes into repaying it. The important thing to understand is that the lender expects you to pay the money back. It’s only fair that you honor your promise if you possibly can. Your business may be so successful that you can pay back the loan sooner than the original note calls for and save some interest expense in the process. Some state laws allow repayment of the entire principal at any time with no penalty. However, laws in some states allow the lender to charge a penalty of lost interest if the borrower pays the loan back sooner than called for. Make sure you read the loan documents and ask about prepayment penalties. Your lender may be willing to cross a prepayment pen

•Fully amortized loan. This type of loan repayment provides for principal and interest to be paid off in equal monthly payments for a certain number of months. When you’ve made all the payments, you don’t owe anything else. The interest rate and the number of years or months you agree to make payments can change your monthly payments a great deal; pay close attention to these details. For example, if you borrow $10,000 for five years at 10% interest, you will agree to make sixty monthly payments of $212.48, for a total repayment of $12,748.80. That means you will pay $2,748.80 in interest. Now let’s say you borrow $10,000 for five years at 20% interest. Your monthly payments will be $264.92 and you will end up paying $15,895, including $5,895 in interest.

•Balloon payment loan. This loan (sometimes called an interest-only loan) calls for repayment of relatively small amounts for a pre-established period of time. You then pay the entire remaining amount off at once. This last large payment is called a “balloon payment,” because it’s so much larger than the others. Most balloon payment loans require interest-only payments for a number of years until the entire principal amount becomes due and payable. Although this type of repayment schedule sounds unwieldy, it can be very useful if you can’t make large payments now, but expect that to change in the near future.

Problems With Co-Signed Loans

Bankers sometimes request that you find a co-signer for your loan. This is likely if you have insufficient collateral or a poor or nonexistent credit history. Perhaps someone who likes your idea and has a lot of property, but little cash, will co-sign for a bank loan. A co-signer agrees to make all payments you can’t make. It doesn’t matter if the co-signer gets anything from the loan—she’ll still be responsible. And if you can’t pay, the lender can sue both you and the co-signer. The exception is that you’re off the hook if you declare Article 7 bankruptcy, but the co-signer isn’t. Co-signing a loan is a big obligation, and it can strain even the best of friendships. If someone co-signs your loan, you might want to consider rewarding your angel for taking this risk. From my own experience, I co-signed a car loan for an employee once, and I’ll think twice before I do it again. I didn’t lose any money, but the bank called me every time a payment was 24 hours late, and a couple of times I thought I might have to pay. I didn’t like being financially responsible for a car that I had never driven and might never see again.

a. Secured Loans Lenders often protect themselves by taking a security interest in something valuable that you own, called “collateral.” If you pledge collateral, the lender will hold title to your house, your inventory, accounts receivable or other valuable property until the loan is paid off. Loans with collateral are called “secured” loans. If you don’t repay a secured loan, the lender sells your collateral and pockets the unpaid balance of your loan, plus any costs of sale. Not surprisingly, if you have valuable property to secure a loan, a lender will be much more willing to advance you money. But you also risk losing your house or other collateral if you can’t pay back the loan. A lender will expect you to maintain some ownership stake in the asset. This will normally be 10% to 30%, depending on the type of asset and the type of lender. That means you can’t expect to get a loan for the same amount as your collateral is worth. If you default on a loan and proceeds from the sale of the collateral are not enough to pay off the loan, the lender can sue you for the remaining amount. The best advice is this: Be very cautious when considering a secured loan. Make sure you know your obligations if the business fails and the loan can’t be repaid. Lenders like collateral, but it never substitutes for a sound business plan. They don’t want to be selling houses or cars to recoup their money. In fact, lenders often only accept real property, stocks and bonds and vehicles as collateral. Items of personal property, such as jewelry, furniture, artwork or collections usually don’t qualify. All lenders really want is for you to pay back the loan, plus interest. If they have to foreclose on your house, it makes them look, and probably feel, bad. Here’s an example of a loan secured by real estate and used to open a business.

Example: Mary needs to borrow $50,000 to open a take-out bagel shop. She owns a house worth $200,000 and has a first mortgage with a remaining balance of $100,000. Uncle Albert has offered to lend Mary the amount she needs at a favorable interest rate, taking a second mortgage on Mary’s house as collateral for the loan. Mary agrees and borrows $50,000, obligating herself to repay in five years with interest at 10%, by making sixty payments of $1,062.50. If Mary can’t make all the payments, the second mortgage gives Uncle Albert the right to foreclose on Mary’s home and sell it to recover the money he loaned her. Uncle Albert feels secure, since he is confident the house will sell for at least $150,000, and the only other lien against the house is the $100,000 first mortgage. If a foreclosure did occur, Mary would, of course collect any difference between the selling price and the balance of the two mortgages.

b. Unsecured Loans Loans without collateral are called “unsecured” loans. The lender has nothing to take if you don’t pay. However, the lender is still entitled to sue you if you fail to repay an unsecured loan. If he wins, he can go after your bank account, property and business. Lenders typically don’t make unsecured loans for a new business, although a sound business plan may sway them. Remember, the lender’s maximum profit from the loan will be the interest he charges you. Since he won’t participate in the profits, naturally he is going to be more concerned with security.

Forecast Gross Profit for a StartUp Business

Todays Marx's financial articles

In the critique of political economy which became his life work Marx set out, as he put it in the Preface to the first German edition of Capital, to "lay bare the economic law of motion of modern society" .One of his conclusions was that the expansion of production under capitalism did not proceed at a smooth, steady pace, but was "a series of periods of moderate activity, prosperity,
overproduction, crisis and stagnation" (Capital Vol I, Pelican, p.58), in which the long-term trend was nevertheless upwards. The crisis which marked the end of the period of boom took the form of a financial crash - that is, a collapse of credit and a strong demand to be paid in cash. This gave rise to the illusion that the crisis was simply a monetary question whereas in fact the monetary crisis was a reflection of the real overproduction that had taken place. Overproduction reflected itself as a monetary crisis, since, in the middle of the 19th century, the main form of credit was the trade bill, or bill of exchange, a promise to pay issued by a manufacturer or merchant which would be honoured when he had sold his product. Such bills could be discounted, that is, cashed below their face-value, the precise deduction depending on the going rate of interest (discount rate). In normal times these bills circulated alongside bank notes as an accepted means of payment.

Clearly, if overproduction has taken place, all the bills are not going to be able to be honoured, so that as soon as people realise - or even suspect, with or without reason - that overproduction has taken place they will no longer be prepared to accept these bills in payment and will insist on cash. Nor will banks be prepared to discount the bills, except at a very high rate of interest. The result is a credit squeeze, high interest rates and a financial crisis. Marx studied two of these crises in close detail, that of 1847 - when just after arriving in London in 1850 he was investigating the relationship between crises and revolution - and that of 1857. In fact, by co-incidence, 1857, besides being a crisis year, also saw the publication of two British parliamentary reports on financial questions: the secret evidence taken by a House of Lords committee which investigated the 1847 crisis and a House of Commons report on the workings of the 1844 Bank Act. Marx replied on these two documents, together with the House of Lords report itself which had been published, without the evidence, in 1848 and a report on the 1857 crisis published in 1858, to write a considerable number of articles for the New York Daily Tribune in 1857 and 1858 as well as to make notes for the section of Volume III of Capital to be devoted to interest-bearing capital. Marx had also frequently written on financial subjects before 1857 for the NYDT, especially when a financial or industrial crisis seemed about to break out. He always commented on the British budget when it was presented to the House of Commons
and as early as 1853 had written an article explaining the principles and working of the 1844 Bank Act to his American readers.
Since, in the end, Marx never got round to preparing for publication these notes he made for Capital - they were very scrappy and had to be put into some sort of order by Engels - it is these NYDT articles which must be regarded as expressing in a final form for publication his views on financial crises. Hence these articles are to be regarded as an important complement to Volume III of Capital.
The British banking laws of 1844 and 1845 which Marx analysed in detail were an attempt to put into practice the doctrine of the so-called Currency School. In 1797, at the beginning of the Napoleonic Wars, the convertibility of Bank of England notes into gold had been suspended and was not restored until 1819. As a result of the experience of this period of inconvertibility a controversy arose in the first part of the 19th century over whether or not the number of paper notes issued by banks should be controlled by legislation. The Currency School argued that it ought to be, in order to ensure that the circulation of paper notes conformed to what they believed to be the economic laws governing the circulation of a metallic currency (gold and/or silver). Their opponents, known as the Banking School, denied the need for such control
arguing that, as long as the paper notes were ultimately convertible into a fixed amount of gold, the number that would in actual practice circulate would always be governed by the economy's need for currency. It was thus impossible, in their view, for the number of convertible paper notes to be over-issued since if more were issued that the economy needed the surplus notes would eventually find their way back, one way or another, to the bank that had issued them.

The Currency School based their theory on the views expressed by Ricardo on the circulation of a metallic currency like gold. According to Ricardo, there was a direct causal relationship between the amount of gold in a particular country and the general level of prices prevailing there. When a country had a favourable balance of trade, with exports exceeding imports, there would be an inflow of gold to that country; this increased quantity of gold would lead to an increase in the general price level; exports would therefore tend to fall off and imports to increase; as the balance of trade shifted from favourable to unfavourable so gold would flow out of the country, bringing about a fall in prices again. In other words, according to Ricardo, with a metallic currency the amount of money in circulation was automatically regulated by the flow of gold into and out of a country as its trade balance changed one way or the other.

source: http://www.worldsocialism.org/spgb/overview/finance.pdf

todays stocks market article

Trading in stocks has existed since the 12th century. It has come a long way from men sitting in barn yards trading in a small community, these days, however trading on the stock market has changed to an almost unrecognisable degree.

Global stock markets not account for an estimated $23 trillion in money flows. Stock exchanges such as the NYSE, NASDAQ and the London Stock Exchange are all market places for trading stocks on. These markets facilitate the trading of stocks by bringing together buyers and sellers.

Traders of stocks have many varied approaches to how they invest in the market. Some traders are risk loving and like to take large gambles when they invest in stocks. These types of traders who include day traders like to ride the wave of the minute to minute fluctuations in the value of stocks.

This allows them to make a quick buck by constantly buying and selling stocks at a mind boggling pace. Although there is the chance of making a very quick buck this way this type of trading also runs the risk of making a massive loss. It is estimated that about 80-90% of all day traders make a loss on the stock market each day.

However if like most people you feel you don't have the stomach or the time for minute to minute trading, there are other methods to investing in the market. For example value traders are a much more rationale, risk adverse type of trader. They try to avoid the minute to minute fluctuations of the stock market by ignoring all the announcements made by companies and just look at the average book price of the stocks over a longer term.

Value traders search out companies they believe to be undervalued possibly because it just announced profit warnings and now which led to a dumping of shares from the company. This leaves the stock price below its average price. Value investors buy the shares at the depreciated price and then wait for them to go up in value again.

Trading on the stock market can take place in the traditional manner in which buyers and sellers come together on the stock market floor and stocks are auctioned off. Buyers and sellers act on behalf of clients who place order for stocks to be sold or bought. In recent years the traditional method has been combined with an electronic method in which orders can be placed over a network, or through the internet.

Check out http://www.stock-trading-made-ez.com/ for more articles on stock investment resources and trading stock internet.