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Establishing Great Customer Service

In today’s competitive world, offering extraordinary customer service is necessary to remain in business. Studies demonstrate that on average, a person who had a negative experience with a company tells twelve other people about his or her bad experience.

Financing Despite Adversity

An adverse mortgage simply means a mortgage for someone whose credit history is not good. Getting an adverse mortgage is not as difficult as you might think, but it will cost you more because your monthly rate and thus your payments will be higher than those who have a good credit history.

Getting The Most From A CCJ Remortgage

How to get the most from a county court judgment mortgage. A CCJ remortgage is a remortgage that is designed for someone with a County Court Judgment or CCJ.

Big Mac Conversion

Well the Big Mac was 3.40 Euro about 33 Rand, and in Durban, RSA its 15.95 Rand. So the Big Mac costs a little more than double in France. With this widely accepted measure, this ‘Big Mac conversion’ basically means that as a tourist from South Africa, it is twice the price to exist in France!

Wall Street Investment Banks Resist Money Mystics

The Wall Street investment banks have got to act before it’s too late. Surely now is the time for them to embrace mystical capitalism. It seems Wall Street is falling behind Canary Wharf and the City of London. Even though money mystics and shamans are firmly established in British banks,

Discounted Cash Flow Modelling to Achieve Personal Financial Goals

A Discounted Cash Flow (DCF) model is a style of calculation that links streams of future money flows to lump sum amounts. DCF models have a range of practical applications, and are most often used by economists, accountants and financial professionals. However, as demonstrated in this article, DCF models can also play an important role in achieving personal financial goals.

Shelling Out More Money After Your Refinance Mortgage Loan?

There are two nightmares plaguing our society today. The first is buying a gem of a car, and the second is getting stuck with an expensive refinance mortgage loans. Which is yours?

Afraid of Costly Home Loan Loan Refinance and Scams?

Borrowers are wising up to mortgage refinance loans and are detecting scams a mile away. They are those who have done their homework before knocking on a creditor’s door. If you are thinking of getting another loan, watch out or you find yourself in the lair of the spider.

Healthcare Facilities Face the Financial Gauntlet When Using Medical Liens

Healthcare facilities today face a gauntlet of financial challenges creating for hospital administrations accross the U.S. a “fiscal juggling act” for survival. What must hospital administrations do to survive? An innovative “outside the box” approach to finance provides the answer which is revealed to be in the very patient files of the treating facility. For details read the article….

Why College Saving Plans Are Important

College education is getting expensive by the minute and it makes sense for parents to have an effective savings plan to fund their child’s college education. Parents usually end up finding out that the cost of higher education is a lot more than they have saved and this can lead to running from pillar to post looking for aid.

Creating a Cash Flow Statement

Cash flow is the money that comes in and out of your business and it is considered to be its lifeblood. According to a study from the US Bank, 82% of business failures result from poor cash flow management skills. Therefore, preparing monthly cash flow statements might help your business to avoid running out of money. Keep in mind that your business’ profits are not necessarily equivalent to your cash ins and outs.

Correcting a Negative Cash Flow

Your business might be heading towards bankruptcy if it has a negative balance on its ‘Net Change’ section of its cash flow statement. Immediate attention is required as failing to correct this negative trend will inevitably cause your business to run out of money.

Warning Signs Of Credit Problems

Are you consistently charged late fees on all your bills? Is it hard to decide which bills to pay each month? Do you spend more than 20% of your net monthly income to pay for your credit cards? Have you ever borrowed money to make payments on existing loans?