tag:blogger.com,1999:blog-32073605304466239922011-11-28T08:53:49.690+08:00- a sense of diplomatic triviality, small or smart talks on what matters in lifefernmarcnoreply@blogger.comBlogger371100tag:blogger.com,1999:blog-3207360530446623992.post-29677549766998192452010-03-25T20:13:00.003+08:002010-03-25T20:33:32.846+08:00

Our vision holds the world together. When you get even a little blur, your world may jiggle a little bit. As the seeing gets tough, prescription eyeglasses is often the answer. Be grateful if it’s just that and be grateful indeed because you can still be admirably-looking with a pair of prescription eyeglasses. This opportunely comes at the #1 online Rx glasses store It’s a tough choice to

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-88271857275894624562009-12-05T19:46:00.000+08:002009-12-05T19:46:13.394+08:00

by Sandy Shields Here are thirty-three basic smart shopping tips that can be used anywhere you shop. Use them to save money, and as a guide to strengthen your purchasing power. 1. Plan your spending. Avoid impulse buys. 2. Advertised items are not necessarily the cheapest. 3. Watch for unadvertised specials. 4. Remember to ask for a "raincheck" if an item is sold out. 5. To avoid

fernmarcnoreply@blogger.com1tag:blogger.com,1999:blog-3207360530446623992.post-48103840720374290482009-11-06T15:36:00.000+08:002009-11-06T15:36:58.039+08:00

Financial Planning starts with identifying your financial aspirations, then building up a personalized detailed plan to achieve them. It’s like drawing up a ‘map’ specific to your goals and needs, and based on what you want out of life, your attitudes and goals whether personal, professional or financial. That map shows you how to get there and if necessary it should be kept secret….! Some of the

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-29340948334025725832009-09-16T13:06:00.002+08:002009-09-16T21:18:33.640+08:00

I have been around the online world for quite a while and have been able to make a living off understanding fundamental internet marketing and business. The one thing I have learned which I share to all new comers is if you would like to work online don’t come thinking it is cake work or after the first year millions will be pouring into your bank account. Now for the few lucky who develop

fernmarcnoreply@blogger.com1tag:blogger.com,1999:blog-3207360530446623992.post-20487664095719366212009-09-13T19:08:00.002+08:002009-09-13T19:26:58.748+08:00

By: grumpyjack sa In these tough economic times, many of us have to keep our expenses in check. Unfortunately, it seems like an impossible task, considering how expensive everything has become. It is actually not as complicated as it may seem. it may mean you have to modify a few habits, but it is not rocket science by any means. With a little common sense and commitment, anyone can do it.

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-2590182360700556222009-09-11T20:45:00.003+08:002009-09-11T21:43:01.659+08:00

Getting a new job isn’t a cake walk either. Evidently, the signs of worry show up. But if you thought that’s the end of the road, you got it all wrong. Job loss is common, so are its ways to cope with it. You just need to wise up money-wise to recover. First, if you’ve heavy outstanding bills and debts, go for debt consolidation. It reduces your monthly payments, and also helps you to make a

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-25392756215671271142009-09-11T13:22:00.003+08:002009-09-11T21:35:15.403+08:00

In Positioning: The Battle for Your Mind (2001), Al Ries & Jack Trout throw out an interesting proposition. Their message to anyone who’s trying to market a product or service is that the easy way to get into a person’s mind is to be first. They say: “You just got to be first”. Here’s the example they come up with. Ask anyone, “What’s the name of the first person to walk on the moon?” You’re

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-13035885795173716622009-09-11T13:18:00.002+08:002009-09-11T21:33:40.129+08:00

Fear Selling is all about getting to that dreaded question of “What’s it going to cost you if…?”. Here’s a classic example of fear selling in action. An IT Sales Rep. calls up the purchasing manager or CEO of a company and says, “Mr Customer, I work for Anti-Virus Software Ltd. We’ve got a great deal on at only $49.99 a month…”. If this is the approach he uses, the sales guy might not get any

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-20222641374834016482009-09-10T21:57:00.001+08:002009-09-10T22:03:41.966+08:00

The success of Six Sigma implementations depends on the ability of the implementation teams to identify and alter systems that are responsible for the efficiency of a business process. For successful implementation of 6 Sigma concepts and methodologies, organizations need to increase coordination between all the teams involved in the implementations. Consistent support and guidance from senior

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-13901969438789912952009-09-10T21:04:00.002+08:002009-09-10T21:16:15.464+08:00

I'm about to reveal something super powerful to you. It will open up a whole new world for and it will probably change your life (for the better). I have discovered a very big secret when I was just 17 years old. I was just a kid when I discovered the secret to financial freedom. I know...not many people are so lucky, but now you have the opportunity to learn my exact secrets for making more

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-5765971621765013802009-09-10T20:39:00.005+08:002009-09-10T21:04:24.347+08:00

Most advertisements, particularly TV ads, are entirely and desperately unexciting. They are too forthright, too specific, too arrogant. I am certain that the effect of these advertisements could be vastly improved if they were made more realistic. Why not develop an innovative approach in television promotion instead of mindlessly mimicking the Western style of wheezing superlatives, with all

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-76986169343949511672009-08-29T05:30:00.003+08:002009-08-29T05:44:03.774+08:00

Financial responsibility is one vital attribute of a successfully managed life. It is a lifelong effort that should start at an earlier age up to the twilight years and even beyond. Learning financial responsibility while you are young prepares you for proper money management later in life. Training your child to manage his money is not just a gift, but a responsibility as well for the parents.

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-60245944695256745072009-08-28T03:20:00.003+08:002009-08-28T04:08:39.746+08:00

Healthy and open relationships rely on quality communication to sustain them. At times, these interactions have to be honest and blunt for the relationship to grow and be strong. However, caution should be exercised so as not to repel the other person because sometimes the truth hurts and it could scar the relationship permanently.We have to understand that these feelings are important and

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-72428102193999101912009-08-26T19:54:00.002+08:002009-08-26T20:06:19.124+08:00

BY Rosey Dow The greatest saving strategy you can have is to use every scrap of food that comes into your home. The trick is to disguise leftovers as a completely new meal. Here are some ideas for putting leftovers to good use. And while you are at it, consider the advantages of planned leftovers.After each dinner, add leftover vegetables with their juices to one large freezer container. Add

fernmarcnoreply@blogger.com1tag:blogger.com,1999:blog-3207360530446623992.post-15071148443485331452009-08-18T19:19:00.003+08:002009-08-18T20:23:49.984+08:00

by Carmin Olivier A credit card can be an asset to your lifestyle, but if not handled carefully it can become a liability, especially if you find it so convenient and easy to use that you lose control of your spending. This short guide will help you understand how you can use your credit card so it works to your advantage, not against you.A credit card can:Offer free use of funds, provided you

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-31768585073904123012009-08-16T14:02:00.004+08:002009-08-16T15:24:23.494+08:00

Money has a character that is so persistent and domineering for people. That is why you must endeavor to discern and deal carefully with that character and become its master. Earning money requires that character on your sleeve as you apply common sense in every sphere of your life. Unfortunately, in the game of money-making, common sense has become uncommon. There are lots of ways by which you

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-966507165657410532009-08-13T13:13:00.003+08:002009-08-13T13:28:57.826+08:00

Most accountants, financial planners, wealth-building experts and real friends agree that there are really only three ways to increase your income. You can either: 1. Increase your revenue (make more money),or 2. Decrease your expenses (spend less money), or 3. Do both 1 and 2However, what is not so obvious are the words that should always follow these income-increasing statements.

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-16537586676659343562009-08-13T12:44:00.004+08:002009-08-13T13:08:41.420+08:00

"You answer my questions with questions..." The lyrics of the song "Question" strike me often. What does it really mean? So, each of us has the ability to find the answer to any question. They key is to ask the right questions. If you're frequently asking yourself, "Why was I so dim-witted to get into debt?", your mind will provide an answer like, "Because you're a loser." You should remember

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-19660916982467888352009-08-07T04:02:00.003+08:002009-08-07T04:33:50.529+08:00

The money that you spend on buying groceries each month is not fixed like it is in maintaining your car or everyday traveling. In order to control your spending on groceries, you will need to understand how you end up spending extra money on groceries. These are things that you probably never noticed or realized before. Let me therefore share some friendly advice by attempting to show you some

fernmarcnoreply@blogger.com1tag:blogger.com,1999:blog-3207360530446623992.post-61941753485111832982009-08-05T08:18:00.003+08:002009-08-05T08:35:54.834+08:00

Perhaps you have noticed that debt is nasty and importunate. Debt has a sticky feature, like chewing gum that gets in your hair and wedged into the tread of your sneakers. It's like a splinter you can't get out . The harder you try to get rid of it, the more of it there seems to be. When you dislodge a chunk, you can't believe how much is still left and how hard it is to clean out. It's not an

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-64116570260814886842009-08-02T19:40:00.003+08:002009-08-02T20:09:44.520+08:00

If you've saved well and others in your family or clan haven't, should you feel duty-bound to spend on their behalf? Well, here are some situations you could be falling into:Your mom just called again. It seems that because you and your husband live a lifestyle that is careful, frugal and paid-off, you 'owe' your brothers' kids gifts; you 'owe' it to other family members to go and visit, and when

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-52743828686381120542009-07-13T10:29:00.000+08:002009-07-19T15:46:43.137+08:00

Your financial status is on a crunch and you are uncertain on the course of action to take. You are terrified of declaring insolvency and dropping all your assets. You feel that even your creditors are bullying you. What are your options under such circumstances?I believe that your best option is to pursue a debt management scheme. You can facilitate or structure payment of arrears using an

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-54723668133817848222009-06-20T20:44:00.000+08:002009-07-19T15:49:30.592+08:00

In this time of global recession, there’s such a mounting hitch when it comes to debt. Many men and women nowadays are burying their heads in the sand rather than facing up to the situation that is escalating. There are various things that can be done to rally round your situation. It is vital to face up to your debt. By working out your monthly expenses you can make a plan.Write down how much

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-14766394576790767702009-02-18T21:04:00.000+08:002009-06-17T20:31:22.013+08:00

Toss the coin and let's see what's gonna come up. The result could very well define our luck and/or our choice.People often resort to such trick when the responsibility of making decision lies on a thin line. Let me be freed from the blame and the suspicion whatever happens. Life is a game and serious decisions may not be necessary. Let the coin decide. Such is the so called " the flip-coin

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-91953585736876011032008-11-02T15:18:00.000+08:002008-11-02T15:26:11.136+08:00

We keep track of our expenses because things add up, sometimes in surprising ways. To make significant changes in your spending habits, you need to know your outflow or expenditure score. Record-keeping enables you to spot that all-important “big picture”: exactly how much you spend, and on what, as well as how it swings over time. If you can’t trace your expenses, making changes in your habits

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-39000247098050518162008-11-01T13:48:00.000+08:002009-07-03T23:58:31.126+08:00

Nearly everyone desires to have more funds and retain more of the riches they have for their future or for some pursuits. However, a good number of us live paycheck-to-paycheck, deep in arrears and unsure on how to break out of the snare.Here are the 7 biggest Money-Making Strategies you should learn:INVEST. Whether you're 20 or 60, you are never behind schedule to begin. You'll be no better off

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-12921006837939091302008-11-01T06:37:00.000+08:002008-11-01T06:57:23.212+08:00

I received just last week an email from a friend who now stays in Japan for good. He got married there and excitedly broke the news on his first born. Unwittingly, I replied by telling him that he’s got to have another one soon for he’s growing older, now at 43. He got back at me with all the pick holes on how hard life is, financial woes, high cost of living, difficulties in raising children,

fernmarcnoreply@blogger.com1tag:blogger.com,1999:blog-3207360530446623992.post-68418672142859663432008-10-11T23:04:00.000+08:002008-10-11T23:16:51.738+08:00

The finest way to invest money is to engage in something that you really know and that makes you feel self-assured. It is understanding if your investment capital is your family nest egg or extra risk capital. So, make out your plan and have a good idea of your goals. There are so many ways to invest money and they differ so greatly in risk and return. If your investment goal is to provide

fernmarcnoreply@blogger.com1tag:blogger.com,1999:blog-3207360530446623992.post-91941146754860453652008-09-01T11:35:00.000+08:002008-09-21T07:50:55.201+08:00

Nearly all of us were taught the value of saving money when we were still young. You perhaps remember your parents or a beloved aunt or uncle advising you to put coins into a piggy bank or a portion of your Christmas and birthday money into a bank savings account. Unfortunately, for most of us those lessons were among the first to be forgotten or ignored as we grew older and, purportedly,

fernmarcnoreply@blogger.com1tag:blogger.com,1999:blog-3207360530446623992.post-34622847711484553272008-07-27T20:25:00.001+08:002008-09-21T07:50:09.765+08:00

Casinos definitely serve as great venues of excitement and enjoyment. These public edifices can be effective alternatives for spending leisure time or for achieving relaxation from the daily pressures of life by aiding gambling activities to customers. All major hotels, restaurants and shopping centers often provide arrangement for casinos in order to propose amusement to entice more consumers.

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-12898088044264821562008-05-15T23:23:00.000+08:002008-07-27T20:24:16.978+08:00

Most of us want to be in the happy state of knowing each night as we drift off to sleep that we are a little bit richer than we were when we woke up that morning। Can you relate to that desire? Of course, you can. After all, the importance of money in our interconnected world grows each day. Yet, I still believe that if you hope to live a happy, balanced life, you'll be smart enough to consider

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-7796245994718489662008-05-13T08:42:00.000+08:002008-08-04T19:20:59.862+08:00

Money doesn't grow on trees. There's never enough money. You have to sacrifice or work hard for money. Money is the root of all evil. Whew! Such clichés about money make you squirm? Well, money isn’t really the most essential thing in life, but it’s practically close to oxygen on the ‘gotta have it’ scale.Have you ever been to the circus and watched aerial acrobats perform their live routines

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-4611377301411591072008-05-13T07:25:00.000+08:002008-05-13T07:49:42.974+08:00

Money management suggests pulling off greater control over cash flow, both in personal and business perspective. It is the process of budgeting, saving, investing, spending and/or overseeing the cash handling of an individual or group. Effective money management can be achieved by establishing budgets and analyzing costs and income. A relatively second-rate investment can roll into a dynamic

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-40033915312982843742008-05-12T21:00:00.000+08:002008-05-13T20:30:49.113+08:00

Consumer borrowing has convincingly muscled itself into the 21st century’s global retail economy. Borrowing money has leveled up its stature as a safe and easy, natural, respectable, time-honored tradition for financing business operating capital, expansion, the purchase of equipment, building up inventory, and to even-out cash flow. In fact, it is the most logical means of financing business

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-29309085505364022422008-05-12T09:31:00.000+08:002008-05-13T20:59:46.078+08:00

Many of us think that more money leads to greater happiness and contentment. As a matter of fact, almost everyone works for money and our job accomplishments are measured in terms of monetary returns. Thus, it seems that in our consumerist society, people are compelled to follow the tenet that luxury is the status symbol of success and prominence. More money means finer cars and houses. The

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-21163994717663266032008-04-30T09:24:00.000+08:002008-05-13T20:34:34.771+08:00

Why are we inclined to accumulate things? Do we gain satisfaction and pleasure simply from the things we amass? Is it the nostalgia bug that compels people to collect? Is it the intrinsic value of the thing or its specific provenance that compels interest and pushiness?I remember one day last December 2007 when my wife asked me to buy a large bear stuffed toy which was on 50% sale at a Watson

fernmarcnoreply@blogger.com0tag:blogger.com,1999:blog-3207360530446623992.post-76934995474940260432008-04-27T03:29:00.000+08:002008-07-27T19:55:26.348+08:00

“Have you seen my childhood?” Michael Jackson sings these lyrics with sheer emotion, somehow grimacing with the pain of lost childhood. Not everyone can handle the distress when they connect the dots in their own lives. Some suffer in silence, others cry out in disillusionment because there is such a twinge of mislaid or bungled childhood. Though we’ve always been advised to shake our heads and

fernmarcnoreply@blogger.com0