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Posts Tagged ‘money’

Money in the Bank series to show business owners & employees how savings add up

Posted by 104Inc.com on December 3, 2008

Disciplined expense management by every business is more important than ever as global economic challenges are expected to continue through 2009. Your company can continue its strong market position by concentrating on savings opportunities throughout the organization. To help with this effort, I will write a communication series called, Money in the Bank, that will spotlight policies and best practices aimed at reducing expenses.

The goal of the series is to keep savings top of mind, while providing real examples of how employers and empolyees can make small changes that have significant impact on the business financial performance. Many of the most important savings opportunities will come from increasing employee awareness of business costs and compliance with guidelines provided here.

“There are no small aggregate expenses, If we work individually to eliminate unnecessary spending, our combined efforts will help us maintain our financial strength as the economy recovers.”    

Many normal business expenses represent costs that can be controlled or influenced, giving each employee the ability to impact profitability of the company with simple changes in behavior. In addition, many cost saving initiatives also result in environmental benefits that help your business address climate change by reducing energy consumption, greenhouse gas emissions and other environmental impacts of our operations.

You are encouraged to submit your own expense management tips and ideas by writing comments below these articles. Stay connected with Money in the Bank

The first Money in the Bank article, featuring expense management tips for all, will launch on tomorrow. Look for other articles to be published here weekly.

All articles will be archived for easy access on http://www.articlesbase.com/authors/104inc.com/55579.htm

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Posted in Advertising, Banking, Business, Diary Entry, economy, life, motivation, Online Business, Personal Finance, work | Tagged: , , , , , , , , , , , , , , , , | 2 Comments »

Funny Joke: How The Federal Bail Out Works

Posted by 104Inc.com on November 26, 2008

Young Chuck moved to Texas and bought a Donkey from a farmer for $100.   The farmer agreed to deliver the Donkey the next day.  

The next day he drove up and said, ‘Sorry son, but I have some bad News, the donkey died.’ 

Chuck replied, ‘Well, then just give me my money back.’ 

The farmer said, ‘Can’t do that.   I went and spent it already.’ 

Chuck said, ‘Ok, then, just bring me the dead donkey.’ 

The farmer asked, ‘What ya gonna do with him?

Chuck said, ‘I’m going to raffle him off.’  The farmer said you can’t raffle off a dead donkey!’ 

Chuck said, ‘Sure I can, watch me.  I just won’t tell anybody he’s dead.’ 

 A month later, the farmer met up with Chuck and asked, ‘What happened with that dead donkey?’ 

 Chuck said, ‘I raffled him off.   I sold 500 tickets at two dollars a piece and made a profit of $ 898.’ 

 The farmer said, ‘Didn’t anyone complain?’ 

 Chuck said, ‘Just the guy who won.  So I gave him his two dollars back.’ 

 Chuck now works for Goldman Sachs

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Posted in Advertising, Banking, Business, economy, job, Jokes | Tagged: , , , , , , , , , , , , , | Leave a Comment »

Whether Democrat or Republican, you should get a kick out of this!

Posted by 104Inc.com on November 3, 2008

A little boy goes to his dad and asks, ‘What is Politics?’
Dad says, ‘Well son, let me try to explain it this way:
I am the head of the family , so call me The
President
.

Your mother is the administrator of the money, so! we call her the
Government
.

We are here to take care of your needs, so we will call you
the People
.

The nanny, we will consider her the
Working Class
.

And your baby brother, we will call him the Future.

Now think about that and see if it makes sense.’
S o the little boy! Goes off to bed thinking about what Dad has said.
Later that night, he hears his baby brother crying, so he gets up to check on him. He finds that the baby has severely soiled his diaper.
So the little boy goes to his parents’ room and finds his mother asleep.  
Not wanting to wake her, he goes to the nanny’s room Finding the door locked, he peeks in the keyhole and sees his father in bed with the nanny. He gives up and goes back to bed.

The next morning, the little boy says to his father, ‘Dad, I think I understand the concept of politics now.’ The father says, ‘Good, son, tell me in your own words what you think politics is all about.’

The little boy replies,
‘The
President is screwing the Working Class while the Government is sound asleep. The People are being ignored and the Future is in deep shit.

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Posted in Advertising, Jokes, motivation, Politics | Tagged: , , , , , , , , , , , , , , , , | Leave a Comment »

Reverse Mortgage: Is it Right for You?

Posted by 104Inc.com on October 16, 2008

Ida May Fuller, the first recipientImage via Wikipedia

Over the years, you worked hard to own your home. Now there’s a way to put your home to work for you. A Reverse Mortgage provides the security of knowing you have funds available for planned or unexpected expenses. This kind of loan can never cause you to lose your home. The funds you receive during your loan term, plus interest, do not become due until you sell or vacate your home.

A Reverse Mortgage can optimize cash flow and promote peace of mind. It can contribute to a more contented and secure retirement. Use the money to supplement your pension or social security income, for home repairs, buying a car, unexpected expenses, even put it toward a new home – whatever you choose.

Reverse Mortgages are specifically designed for, and exclusively available to, older homeowners who have substantial home equity. Applicants must agree to receive no-cost (face-to-face or telephone) mortgage counseling from a HUD-approved counseling agency to explain your options and confirm your eligibility.

A Reverse Mortgage gives you flexible access to your home equity. “Term” payments are non-taxable monthly payments for a specified period of time. “Tenure” payments are non-taxable monthly payments for as long as you occupy your home. I can show you payment examples to better illustrate possible payments amounts.

You do not need to repay the loan as long as you or one of the borrowers continue to live in the house. You will be responsible for maintaining the property and making necessary home repairs, as well as paying property taxes and homeowners insurance premiums. When you sell or leave your home, the funds you received during your loan term, plus any accrued interest, become due. Any home sale proceeds in excess of the amount you owe belong to you or to your estate.

If, at any time, the loan exceeds the value of the property, the repayment amount will be no more than the value of the property. Mortgage insurance will cover any balance due to the lender. No additional financial claims may be made.

After the loan is repaid, any home sale proceeds in excess of the amount you owe your mortgage lender belong to you or to your estate.

To learn more information please visit 104inc.com and search for local representatives in your area for more information regarding reverse mortgages.

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Posted in Banking, Mortgage, Personal Finance | Tagged: , , , , , , , , , , , , , , , , , , | 3 Comments »

Federal government outlines new initiatives, to strengthen markets and the economy

Posted by 104Inc.com on October 15, 2008

The federal government today outlined new initiatives to strengthen markets and the economy, with a particular focus on ensuring stability in the nation’s major financial institutions. These actions include investing at least $250 billion directly into major banks and expanding federal insurance protection to encourage financial institutions to resume lending to one another.

This money will come from the recently passed Emergency Economic Stabilization Act — legislation that empowers the Treasury to use up to $700 billion to provide greater liquidity in the markets and promote overall financial market stability.

The $250 billion will be invested into the nation’s banks, with about half of that total going to nine major institutions, including Bank of America, JPMorgan Chase and Citigroup. In return, the federal government will receive equity stakes in these companies in the form of preferred shares.

In addition, FDIC coverage will be expanded on all non-interest-bearing deposit accounts (which include all checking accounts, with the exclusion of Interest Checking, Tiered Interest Checking, Business Interest Checking and Analyzed Business Interest Checking) for the next thirty days. Banks may extend this expanded coverage through Dec. 31, 2009 for a fee. This action by the FDIC is expected to benefit small businesses by providing FDIC coverage for accounts through which they manage their day-to-day operations.

To better understand today’s action’s please review the following key messages.

Key messages include:

  • The Treasury is investing in the nation’s largest banks in another, complementary move designed to strengthen the financial markets, increase investor confidence and lessen continued volatility. This move follows a similar one taken in the United Kingdom last week.
  • This action, combined with others in recent weeks, can be expected to help increase liquidity and support greater stability in the markets.

Posted in Banking, Politics | Tagged: , , , , , , , , , , , , , , , , , , , , | 2 Comments »