TEN PRINCIPLES OF ECONOMICS {part 1} (1-4)

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Top 5 Uses For Promotional Mugs

Promotional mugs have long been a staple within the promotional products industry, accounting for around 6% of all promotional products spend (in 2007). Only pens, bags and clothing rank higher, highlighting just how important promotional drink ware has become. With this in mind, here are the top 5 ways in which promotional mugs can be used to enhance your brand.Thank you giftOne of the great things about a promotional mug is that it has a high perceived value amongst recipients. Whereas most people equate a promotional pen as a 'giveaway', a mug is generally considered more of a gift. Of course, a low cost plastic mug isn't going to have the same appeal as a china mug but generally speaking a good quality ceramic mug works well as a thank you present. If you are thinking of sending a promotional...

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Applying for a Loan

The process of applying for a business loan is a stringent one as compared to the standard procedures in obtaining a home mortgage loan or a personal loan. This is probably due to the fact that business loans contain a greater risk element as compared to other loans. Therefore, lenders need to exercise greater caution and emphasis when evaluating business loan applications in order to minimize their risk exposure.With that, lenders evaluate their applicants based on the information that are provided as well as their judgment of the viability and profitability of the business being financed. Thus, business loan applicants will be required to submit a loan proposal along with their applications with the purpose of creating a positive impression upon the lender.The first element of a loan proposal...

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Business loans: translating potential for financial success and independence

A good entrepreneur knows that the essence of striking gold in business is finding the right opportunity and going after it despite the risks. These opportunities keep on sprouting when you are doing business. Or you might have stumbled upon one and contemplating taking it. Your financial condition may not help you to translate your potential for financial success and independence. Business loans can facilitate this translation.Obtaining finance is central for starting a new business or making business grow. Financing a business through business loans can be a formidable task. But a good preparation can easily sort out any matter detrimental to getting your business loans approved. Taking a loan for business is an important decision. A business loans borrower must understand that while taking...

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7 Financial Strategies to be Solo not Salaried

A 40’s something woman was talking to me the other day about her growing sense of frustration with “working for someone else” and her longing to “do my own thing, drive my own wagon”. But, she said with consternation, “I have family counting on me and a standard of living I don’t want to sacrifice.”Everyone has to decide for themselves what level of sacrifice and risk they’re willing to undertake in order to enjoy the satisfactions of working independently. Knowing some strategies for managing the risk will allow you to make a well-informed decision.Of the seven strategies included below, the first two suggest ways to gradually transition from salaried to solo, instead of diving off the edge. The second two are ways to stretch the dollar; and the final three are ideas for getting started without...

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Smart way to get Auto Loan

Did you know that most people pay hundreds or thousands of dollars more on auto loans than they have to? Get an auto loan the smart way. Read on.Most people really get taken for a ride on their auto loan. Did you know that differences in the total cost of different auto loans can run into a thousand dollars or more? Here’s how you can get the lowest rate: *Make a list of different auto loan lenders and their interest rates and terms, before you go to the dealer (the web is usually the easiest way to do that). Did you know dealers get a commission on the loans they refer? If you’re not careful, that extra bit of money for the lender could mean you pay a higher rate than you would if you got the loan yourself. *Get a credit report and figure out your FICO scores. Removing any incorrect negative...

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Auto Loans: Don’t Dig a Money Pit in Your Garage

Choose the wrong auto loan and you might drastically increase the chances of defaulting and losing your car. Find out step-by-step how to avoid a money pit.Car loans are certainly less costly than home mortgages, student loans, or other kinds of loans. So why do so many people end up defaulting and losing their cars? Find out these hidden dangers:Biggest Hidden Car Loan Danger: The Inherent Money PitUnlike home mortgages, student loans or other big-ticket loans, car loans are inherently money pits. A house can build equity; higher education can increase earning potential; even jewelry can sometimes be re-sold for as much as was paid for it. If you borrow to buy one of those things, you may eventually get a return on investment. But every single car loses significant value and keeps losing...

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Auto Insurance Rates

will vary depending on the insurance agency, your driving record, and the type of insurance you are looking to purchase. I you are looking for affordable car insurance or truck insurance then read on.There are ways to reduce your premiums without giving up coverage. One of the easiest things to do is get auto insurance rate quotes online. This will allow you to comparative shop stress free.Raising your deductibles is the easiest way to reduce your rates. The higher the deductible, the lower the premium will be. The deductible is the portion you will have to pay in the event of accident, before your insurance coverage steps in. It’s important not to carry a deductible that’s more than what you are able to pay. Your insurance company will not honor its portion of the claim until you’ve paid...

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Car Insurance Estimate

Shopping around for a car insurance estimate is not something most people look forward to. It is one of the least exciting chores that is required in order to have a car on the road, but it is worth seeking out the most competitive car insurance estimate available. Although getting a car insurance estimate from a number of companies isn’t a desirable task; many people spend far more than they absolutely have to each year on their auto insurance because they simply haven’t taken the time to compare rates and policies with other auto insurance companies. It would be hard to find someone who would walk into an appliance store and decide to spend $200.00 more on a washer that offers the same exact quality and features as the one next to it that costs far less. It doesn’t make too much sense to...

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Tips for Saving Money on Car Insurance

Car insurance is required by all licensed drivers but many of them don’t know how to find the best rates available. Being complacent and purchasing car insurance without carefully investigating your options or maintaining the same car insurance for the remainder of your life could mean that you are paying too much for your car insurance. Comparison shopping, ensuring that you are receiving all the discounts you qualify for and maintaining a clean driving record are just a few of the money saving tips that can save you a fortune on car insurance.Comparison shopping for car insurance, even after you are already insured, cannot be underestimated. It is critical that you investigate all of your options before choosing...

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microeconomics study

What Macroeconomists StudyWhy have some countries experienced rapid growth in incomes over the pastcentury while others stay mired in poverty? Why do some countries have highrates of inflation while others maintain stable prices? Why do all countries experiencerecessions and depressions—recurrent periods of falling incomes and risingunemployment—and how can government policy reduce the frequency andseverity of these episodes? Macroeconomics, the study of the economy as awhole, attempts to answer these and many related questions.To appreciate the importance of macroeconomics, you need only read thenewspaper or listen to the news. Every day you can see headlines such as INCOMEGROWTH SLOWS, FED MOVES TO COMBAT INFLATION, orSTOCKS FALL AMID RECESSION FEARS.Although these macroeconomicevents may...

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