How to Make a Budget and Stick to It - Free Legal Information If you want to keep your spending under control, it's essential that you make a budget. A budget allows you to get a handle on the flow of your money -- how much you make and how much you spend. With that information in hand, you can make intelligent choices about what to buy with your hard-earned cash. Make a List of Your Expenses The first step in making a realistic budget is figuring out where your money goes. Limitations of computer programs. Make your own expense record. Use one sheet of paper per week to record your expenses for two months. Total Your Income Your expenditures account for only half of the picture. On a blank sheet of paper, list the jobs for which you receive a salary or wages. bonus paydividends and interestalimony or child supportpension or retirement income, andpublic assistance. Record net income. Determine monthly income. When you are done, total up all the amounts. Make Your Budget control your impulses to overspend, andstart saving money.
funds data - fund performance - globalfunddata Giving Feedback - Communication Skills Training from MindTools.com Keeping Team Member Performance High, and Well-Integrated Watch this video to learn how to give feedback effectively. "Performance review." Does the mere mention of this event make your heart sink? Employees and managers the world over dread this ritual and therein lays the main problem: We have institutionalized the giving and receiving of feedback. No doubt the process is seen as unnerving and fear provoking. When done in the right way and with the right intentions, feedback communication is the avenue to performance greatness. Giving feedback effectively is a skill. Tip: We talk generally about feedback between a manager/supervisor and employee. Giving Feedback Effectively Number One Rule: Try to Make it a Positive Process and Experience Before giving feedback make sure you remind yourself why you are doing it. That's not to say you must always be positive. Be Timely The closer to the event you address the issue, the better. Make it Regular Prepare Your Comments Be Specific Use "I" Statements
Mini Beet Protocol ~ Robert Von Mini Beet Protocol (MBP) The MBP is pretty simple... I used this in Mexico for all the endlessly fluoridated people and all their sicknesses, and it made it so that the conditions associated with endless amount of fluoride they were consuming via bathing was reversing and QUICKLY. This happened to the extent that mold and fungus in and under toenails and fingernails disappeared within weeks, if mold etc had been there less than 10 years, but it took about 2 to 4 months if they had mold under toenails more than 40 years. Bathing forces the poisons of chlorine, bromine and fluoride (all water contaminants esp when in excess) into your body 10 to 30 times more than if you drank 8 cups of the tap water per day (and they drink NO tap water in Mexico it's all Reverse Osmosis water for drinking!) At the same time these super powered elements of beets were manifesting in their faces. 3 steps are necessary and must be done in order... Notes and extra information section: Mini Beet Alternative:
Cramer on Buffett: 'His luck's about to change' Jim Cramer is coming to Warren Buffett's defense. This headline in The New York Times caught Cramer's eye: "The Oracle of Omaha, lately looking a bit ordinary." The story cited a new statistical study by Salil Mehta that compared Berkshire Hathaway's performance to the benchmark S&P 500 stock index. While Buffett's company has beaten the market in 38 of the past 48 years, it has underperformed the S&P in four of the past five years. Mehta calculates there's only a 3% chance Buffett is suffering through a period of bad luck. On Tuesday night's "Mad Money," Cramer shot back. Cramer believes that "just when it starts to seem like Buffett may have lost his touch, that's when his bets really start to pay off." In addition, Cramer said the tide is turning on Wall Street. Here's his take on Berkshire's top 10 publicly disclosed U.S. stock holdings: Wells Fargo: The bank has a "truly fortress balance sheet." American Express: "Who among us doesn't wish that we own this juggernaut."
How to Make a Budget That Works In the past I’ve tried to follow a budget, only to fail time and time again. But I’ve learned from my mistakes. Today I’m going to walk you through the steps you need to take to make a budget that really works. Step 1: Record Your Income and Expenses for a Month TIP: You can also use money management tool like Personal Capital to automatically track all of your income and expenses for you. If you’re really organized, you can look back at your expenses for six months to a year, but I’m going to assume you’re organizationally challenged like I am. :) For one month, you need to record every transaction that you make with your money. The notebook and receipts are important. If you’re adept at using spreadsheets, you can use a spreadsheet to categorize expenses. At the end of the month, if you’re like me, you will be surprised at how much money is leaking out of your bank account every month. We were also shocked at how much money we were using on little trips to the grocery store for snacks.
Most popular stocks: Millennials buy Tesla, boomers buy GE - May. 14, 2015 It's by far the most popular stock for almost all age groups, according to data from trading platform TD Ameritrade (AMTD) provided to CNNMoney. Apple is the first stock most people buy when they open a TD Ameritrade account. But what stock do people buy next? The list gets a lot more interesting, especially when parsed by age groups. Just as tastes in fashion and music diverge with age, it holds true for stocks as well. Millennials are far more likely to buy stock in newer technology and Internet companies. The biggest generational difference is millennials' love affair with electric car company Tesla (TSLA) and China's eBay Alibaba (BABA, Tech30). Both neither Tesla nor Alibaba appear among the top 20 stocks of TD Ameritrade clients over 35. Robinhood, a new trading app popular with millennials because it offers free trades, found that other stocks in the top 10 list for young investors are GoPro (GPRO), the specialty camera maker, and Box (BOX), a cloud software company.
SWOT Analysis (Strengths, Weaknesses Opportunities, Threats) Discover New Opportunities, Manage and Eliminate Threats Find out more about SWOT, with James Manktelow & Amy Carlson. SWOT Analysis is a useful technique for understanding your Strengths and Weaknesses, and for identifying both the Opportunities open to you and the Threats you face. Used in a business context, it helps you carve a sustainable niche in your market. Used in a personal context , it helps you develop your career in a way that takes best advantage of your talents, abilities and opportunities. This article looks at how to use SWOT in a business context. Business SWOT Analysis What makes SWOT particularly powerful is that, with a little thought, it can help you uncover opportunities that you are well-placed to exploit. More than this, by looking at yourself and your competitors using the SWOT framework, you can start to craft a strategy that helps you distinguish yourself from your competitors, so that you can compete successfully in your market. How to Use the Tool Tip: Strengths