 Who remembers when Wal-Mart used to advertise their products were "MADE in the USA"? |
| I am 29 and barely remember the commercials...so I am guessing it has been 20 years or so. WalMarts demand for cheap products has forced manufacturers to send their jobs out of the country where ... |
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 How to start a Starbucks in Costa Rica or another country? |
| A coworker of mine really wants to start a Starbucks in Costa Rica or other business like a Panda Express there or maybe another country. Does anyone know where i may be able to find some information ... |
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 What do the die hard Yahoo faithful think of Bill Gates & Microsoft's offer to buy Yahoo for $42 billion? |
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 I want a raise but...? |
| I'm scared to ask. My company is on a serious budget this year since we've added another building to the branch I work at. I was promoted in Feb but still haven't seen a raise. My last ... |
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 What is the difference between a "parent company" and a "sister company"? |
For example:
Pixar is a parent company of the channel ABC
and
AOL is a sister company of CNN... |
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 The worst list? |
I want all fellow indians to list down the worst in the following category:
Bank
Mobile Instrument
Cellular operator
Mutual Fund
Govt ... |
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 What exactly does "founder" Mean? |
| Lets say we have 2 people. person A started the idea of making a company and Person B actually established the company. Who is considered the founder of the company?... |
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 If there were a viable substitute for oil, would Americans accept it? |
Or is gasoline somehow sacred?
The electric car was promising, but no one would undertake setting up the necessary infrastructure.
Do you think the oil companies would allow a ... |
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 How important is customer service to you? |
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 Is Bank of America screwing me over? |
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| I need inthat slogan some connections between corporate culture, team work and business potential.... |
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 Do hourly employees get paid for traveling? |
Hi All,
I'm an hourly employee at a company and they want to go to a different country for some work. Do I get paid for every hour that I'm on the road since I'm an hourly ... |
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Munch_101 | Financial Plan? |
Can anyone describe the several steps that you would use in developing a personal financial plan. |
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Jason T
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So many things to do, hard to boil it down without more info but...
1. Determine your goal. Can't plan to get there if you don't know where you are going.
2. See where you are so you know what you are dealing with. Look at your bills, spending patterns, debts, assets, etc.
3. Work on your high interest debt. Get rid of credit card bills or any other debt with high interest. If it is going to take some time, try to negotiate lower rates or consolidate into a lower rate.
4. Set up a regular savings plan so you have some emergency funds.
5. Once your credit card / high interest debt is out of the way work on 'bigger debt' like student loans, car loans, etc. If renting do the math and see if an affordable house can save you some money. Make sure to keep up your regular savings plan until you have a few months backup
6. Work on getting house, car, big loans paid off and keep that savings plan going
Also want to make sure to: Check out life insurance for dependents, check out / make a retirement plan, make sure I'm making good daily decisions on my spending.
Just my 2 cents worth. |
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SOOH
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1. Goals: How much and how long?
Make sure you setup realistic goals for what you expect each of investments to return to you.
2. Vehicles: Stocks? Bonds? MMA (Money Market Account)?
Each have a different level of reward and risk. Make sure you are comfortable with each and know how much your going to invest in each vehicle.
3. Re-evaluate
You must adjust your portfolio yearly to remove laggers and add winners. Also do not forget to adjust your portfolio for your age.
Example portfolio:
25 year old male, no dependents
90% aggressive stocks-dividends used to reinvest into stocks
10% bonds
45 year old male, dependents
60% mix (aggressive/conservative) - dividends reinvested into stocks
40% bonds
65 year old male, no dependents
40% mix (more conservative)- dividends deposited into MMA
60% bonds.
Different financial planners will give you different advice, how much risk your willing to take is dependent upon how much you can tolerate. If you can't sleep at night, then you need to make a change. There are many sources available to you to help you plan your personal financial plans. I recommend you read magazines such as Smart Money, Forbes, Kiplinger, etc. There are many excellent articles already written that will assist you greatly in planning. |
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tj#1
 |
Buy stock. Cadillac or KFC are good companies. |
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INACTIVE
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It's all about goals. What do you want and when do you want it??? Use your past spending habits to determine ways to cut costs that will still fit into your lifestyle. Make a vow to get out of debt but also to start automatic savings (401K, Roth IRA or liquid savings) and get a cushion of long term money that you don't touch or have easy access to. Learn to save credit needs for home, auto, etc. Those jeans on sale are not a bargain if you pay the minimums on youir credit cards. Live within your means. Shop around by value instead of price. Increase income, reduce expenses, reduce taxes, and/or combination of these things. Be honest with yourself and be practical. Pay attention to where you waste money and make a contract with yourself to stop the insanity. Start today. Go through your old checkbooks and credit card statements. Look at your closets for unused items that were once the "must haves" |
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tomthepawpaw
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There is one main rule that you must follow in order to have a plan. PAY YOURSELF FIRST. Always put away as much as you can before you pay the other bills. |
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needanid_99
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Know where your money goes. ALL OF IT. We spend tons of money on crap and save nothing.
You will be surprise of how much money you make and how much you can save after all your bills.
Try heading out to microsoft and download a personal financial plan. Choose the best one that meets your needs.
Search key words "budget plan" "Financial plans". Choose the right template for your microsoft software such as excel.
Business and Marketing Student |
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Financialz |
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