Tips of the day - 19 January 2006
Studiotypist says: For many, the word 'budget' has a negative connotation. Instead of thinking of a budget as a burden, think of it as a mean to achieve financial success.
Tips of the day - 16 January 2006
Studiotypist says: Use insurance as part of your estate planning and cash accumulation regardless of whether you have any dependent or not.
Tips of the day - 7 January 2006
Studiotypist says: The flashy millionaires glamorized by the media actually represent a tiny minority of the rich. Most of the truly wealthy people they live right next door.
Tips of the day - 21 December 2005
Studiotypist says: It's true that money does not equal happiness. But you can learn from millionaires how to get off the treadmill and create a satisfying life.
Tips of the day - 14 December 2005
Studiotypist says: Many refinance their house hooping to use the cash for investment but end up spending on unnecessary purchases. Best investment is to pay off your debt early.
Tips of the day - 12 December 2005
Studiotypist says: Instead of struggling with an unrealistic plan to save thousands of dollars, learn how to spend better, since spending less is easier than saving more.
Tips of the day - 5 December 2005
Studiotypist says: Like most things in life, without financial planning we drift along and leave our future to chance. Most people don't plan to fail, they just fail to plan.
Tips of the day - 3 October 2005
Studiotypist says: Long-term disability insurance helps replace your income if you can't work. many people consider this coverage a luxury, when in fact, it is a necessity.
Tips of the day - 26 September 2005
Studiotypist says: Whether you made thousands of ringgit or only hundreds, a budget is important to make your money work for you instead of being controlled by it.
Tips of the day - 25 September 2005
Studiotypist says: Many view taking a new loan as a way to get out of a debt. Consolidation loans means combine debt. You could end up losing everything as you get deeper in debt.
Tips of the day - 24 September 2005
Studiotypist says: Get your bank to arrange for you to pay your mortgage twice a month instead of a monthly payment. This will help you save mortgage interest.
Tips of the day - 22 September 2005
Studiotypist says: Having enough savings in an easily accessible account to cover your living expenses for 6 months in event of illness, job loss, or other serious emergency.
Tips of the day - 22 September 2005
Studiotypist says: Instead of shopping at the mall, you could be a salesclerk earning some extra cash part-time. Instead of spending the extra cash you earn, invest it wisely.
Tips of the day - 17 September 2005
Studiotypist says: Don't turn your investments over to a broker without yourself keeping abreast of wheat is being done with your money. Get involved in investment decisions.
Tips of the day - 13 September 2005
Studiotypist says: Millionaires are compulsive savers and investors. They are proficient in targeting market opportunities and they chose the right occupations.
Tips of the day - 12 September 2005
Studiotypist says: Set financial goals; identify goals, give duration, learn about investing and review progress. If progress not satisfactory, make changes as necessary.
Tips of the day - 11 September 2005
Studiotypist says: Budget should include building a financial safety net to prevent financial disasters caused by catastrophic illnesses or other personal tragedies.
Tips of day - 10 September 2005
Studiotypist says: If you keep a record of how much you spend on unnecessary items, over a period imagine how much the amount would grow if you invested it elsewhere.
Tips of the day - 9 September 2005
Studiotypist says: We insure our homes, our cars and our lives, but fail to insure their greatest asset; the ability to generate income. Plan your insurance coverage wisely.
Tips of the day - 31 August 2005
Studiotypist says: Home improvement payback values vary. You can recoup less of your investment in a slow real estate market than you would in a high-end real estate neighbourhood.
Tips of the day - 24 August 2005
Studiotypist says: Financial matters are one of the leading causes of marital conflict, implementing a budget can have positive effects on your relationship with your partner.
Tips of the day - 22 August 2005
Studiotypist says: Millionaires believe that financial independence is more important than displaying high social status.
Tips of the day - 18 August 2005
Studiotypist says: We regularly give our money to other people so they become wealthy, while we live on paycheck. Ask yourself if you truly need the item before you buy.
Tips of the day - 15 August 2005
Studiotypist says: If you expect to increase the price of yoru home at resale after renovations, remember that what's important to you may not be important to a potential buyer.
Tips of the day - 9 August 2005
Studiotypist says: Keep track of every cent you spend for one month, and you'll be surprised and perhaps shocked by how much some of your 'small' expenditures add up to.
Tips of the day - 7 August 2005
Studiotypist says: Many people who lead simple living lifestyles are millionaires. Their wealth is the result of hardwork, perseverance, planning and self-discipline.
Tips of the day - 6 August 2005
Studiotypist says: Inexpensive rectification of a house if not fixed, can result in lower offer price. As a seller, you may have to spend a little to get higher returns.
Tips of the day - 5 August 2005
Studiotypist says: Pay off your credit card debt monthly instead of paying only the minimum amount. Paying off current debt is the only way to start building financial freedom.
Tips of the day - 4 August 2005
Studiotypist says: Simple living is about living consciously with a purpose. When you save your money, you are buying yourself control.
Tips of the day - 29 July 2006
Studiotypist says: You can get a lower sale price by hiring a buyer agent who works for you, but make sure the agent do not list the seller's property:)...conflict of interest.
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Tips of the day - 06 January 2006
Studiotypist.com would like to wish everyone, happy new year!!
Studiotypist says: It's true that money does not equal happiness. But you can learn from millionaires how to get off the treadmill and create a satisfying life.
Tips of the day - 14 October 2005
Studiotypist says: Pay off your credit card debt monthly instead of paying only the miminum amount. Paying off current debt is the only way to start building financial freedom.
Tips of the day - 12 October 2005
Studiotypist says: Don't look at your budget as a fixed pie to be cut into different sizes to cover your bills. Instead see how you could expand the pie by earning more money.
Developing superior organisation skills
Studiotypist says: When managers have been asked what they value most in a secretary, survey after survey finds that loyalty is at the top of their list. Following closely is a secretary's ability to get work donw without close supervision.
For example, if your manager is out of the office for 2 days every week and in meetings for much of the other three days, you will be relying on records, procedures and past experience to guide what is done. To do it successfully, breakdown your responsibilities into these 4 task areas:
1. Completing daily routine chores
2. Setting up schedule for special assignments and major projects.
3. Maintaining files and records that are kept permanently or for a defined period of time.
4. Managing office supplies and resources.
Other task areas may also be assigned to you. You may be asked to manage certain business accounts, making sure money is deposited into them and that bills get paid on time.
Source: 'THE PROFESSIONAL SECRETARY'S GUIDEBOOK' by Alexander Hamilton Institute
Tips of the day - 15 September 2005
Studiotypist says: Millionaires are compulsive savers and investors. They are proficient in targeting market opportunities and they chose the right occupations.
Tips of the day - 14 September 2005
Studiotypist says: Many people who lead simple living lifestyles are millionaires. Their wealth is the result of hardwork, perseverance, planning and self-discipline.
