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Annual Bonuses Is The Time For Wise Money Management Finance Articles | October 31 Air Max 97 Ultra Premium Herren Schwarz Günstig , 2012
The month of annual bonuses seems like paradise when we start planning in advance on how to spend it. This excitement will get us into impulses of spending on things that give momentary pleasure only.


The month of annual bonuses seems like paradise when we start planning in advance on how to spend it. This excitement will get us into impulses of spending on things that give momentary pleasure only. This leaves us regretting for our decisions later. Wise money management and productively using annual bonuses will help us to take care of not just present needs but also of future needs and contingencies.


My idea of being a financially prudent and smart person would involve wise money management of bonus according to the life?s priorities and expenses. It is true worldwide that living in uncertain economic times after the global economic turndown, we all need to learn powerful lessons on wise money management. Every individual has hisher own peculiar set of priorities, but I believe that some suggestions would be well appreciated by all.


Ways that have helped in wise money management of annual bonuses include:


v? Tax planning has and will always play a role in saving taxes and making meaningful investments for the future such as investing in mutual funds, fixed deposits and insurance related investments to save taxes under Section 80C. However I would suggest investing in mutual funds is best done through Systematic Investment Plans (SIP) or Systematic Transfer Plans (STP) that is best accomplished with opting for systematic transfer of funds kept in a savings bank account spread over a year. This helps to take advantage of market fluctuations and get good returns.


v? I am sure we all realize the great benefit of living a life free of debt Air Max 97 Plus Herren Schwarz Günstig , than having to worry about expensive loans taken like credit card debts, personal loans, and low priced loans like education loans, home loans and vehicle loans. The priority should be on utilizing annual bonuses to first pay off loans carrying a high rate of interest Air Max 97 Herren Weiß Schwarz Günstig , with it giving the advantage of saving on higher amount of money being paid towards interest on such loans.


v? Life has never been certain and it is futile to expect it to be certain at any time, so wise money management needs to take care of unexpected and expected contingencies that could arise at any time. Being financial smart requires every person to set aside at least 3 to 4 months of one?s monthly income for contingencies like loss of job, illness, and accidents that could leave you in a financial crunch for a few months. This is best accomplished with setting aside some portion of the annual productivity bonus towards the maintenance of a contingency fund in the form of liquid and semi liquid funds like mutual funds and bank deposits.


v? ?Live in the present? is what many psychologists would tell you Air Max 97 Herren Weiß Beige Schwarz Günstig , but I would say it is best to take lessons from our past mistakes and set the stage to meet some of our future expenses and financial goals. The past is gone and would never come back again, but it is never too late to start saving for future goals like retirement, higher education of children, their marriage or maybe your goal to start a consultancy business based on your experiences. This requires carefully planning the period that you would not need the money and setting aside a portion of your annual productivity bonus in bonds and mutual funds with the correct allocation between equity and debt to meet your needs.


However I do not mean to say that enjoying life or luxuries like a dream vacation Air Max 97 Herren Schwarz Silber Günstig , an LCD TV or home theater should not be your cup of tea, because all of us earn and perform well at work to live life and not just to exist as some suppose. Enjoy your annual bonus king size with planning your financial priorities with the advice of your financial planner.?







Then they said build a better mouse trap...and still they did not come! Marketing Articles | May 18, 2007

Well perhaps the most stupid of concepts "Word of mouth marketing" is regarded as a better mousetrap?for the life of me I cannot figure out why!


Recently one highly regarded member of the Ad.Community said?"as most other conventional media have lost authority and commercial effectiveness, word of mouth is re-emerging. Whose word do we trust? Each others"!


Whoops Air Max 97 Just Do It Weiß Günstig , here we go again, setting up the excuses for advertising's failure, this time it is the media, who's next I wonder?



Once upon a time it was the creative people who were at fault Air Max 97 OG GS Herren Blau Grau Günstig , then they woke up to the fact that creativity was not the answer to the problem, which makes one ponder, when will they ever learn?


And that's one of the many problems that face advertising, so many "experts" in different fields Air Max 97 OG GS Herren Rot Günstig , resulting in so many reasons for advertising's' failure.


The real problem? Simply put it is a total lack of communication competence. Recently Ted D'Cruz-Young of Ideocracy (N.Y.) had this to say to the big TV Networks: "You've allowed agencies and advertisers to abuse your commercial real estate with stuff that might be good advertising but it is bad content?the commercial break is bust, it's time for something quite different. No more messaging screamfest?(we need) deeper engagement and stronger brand relationships?"


For far too long advertising agencies have been dancing on the head of a pin called a 30-second TV commercial! Now comes word of mouth!


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