Sunday, July 24, 2011

Financial Check-Up: a Way Out of Business Distress

The role of regular financial check-up as a way out of business distress must not be underrated by anyone that wants to be happy in business these days of global economic dilemma. This is because, which ever way one looks at it, the financial melt down will continue to be on the front burner of our psyche for quite some time. There is no gainsaying the fact that for one to stay healthy always and meet the basic necessities of life, it is always quite necessary for one to undergo regular medical check-up on one's body and so it is the same for the health of a business enterprise. Here of course, are the right ways to ensure the objects of the process.

Budget fashioning:
A regular financial check-up is inevitable whatever may be the area of our business or economic endeavor and the primary factor to reckon with is the way we fashion out our budgets. Here we take for instance the common ways governments and blue chip establishments worldwide normally set up a special department to take care of check and balances in their vital business ramification and this is a good example for any upcoming entrepreneurs and individual if they want to maintain a sound health for their painstaking efforts.

Budget assessment:
By taking the regular financial check up into their accounts several government agencies and blue chip companies normally assess the performance of their budgets at the end of every financial quarter in order to ensure that they are well implemented and followed their well established strategies. This is equally a good example for any small, medium, big enterprises and individuals that would not like to go into debt unknowingly...Economic and financial experts also strongly advise that individuals too also should carry out financial check-up periodically for the purpose and according to their goals, evaluate changes in their social situations, protect their assets, identify their investment performances and review their retirement plans as well on a periodical basis.

Periodical financial check up.
The need to check the budget entries and figures every three months cannot be over emphasized because taht would help to identify lapses for adjustments in the light of the prevailing social and financial circumstances. It is not wise to wait till the end of the year before carrying out the exercise otherwise an irreparable damage could have been done during the fiscal the year.

Opportunity to review performance:
An annual financial check-up, no doubt, is a good opportunity to review the performance of the budget over a period of time for the purpose of ensuring its good implementation. The right time, however, for the annual financial check-up is before the year runs out so as to take advantage of any tax-saving strategies and if that is not possible during the busy holiday period, it should then be immediately after the New Year festivities.

Assessment of financial goals:
As the financial check-up is undertaken, efforts should be geared at diligently assessing financial goals and also a reflection on the failure or success recorded during the year so as to correct the mistakes that were made along the line. It is equally necessary to find out if the goals for the year had been met otherwise the necessary adjustments would have to be made. That, no doubt, is the essence of financial check up.

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Saturday, March 26, 2011

How to get moderate cost life insurance

As it is now a generally accepted norm that life insurance is rather a rule than an exception for any right thinking person who would want peace and succor for his her dependents after he or she must have passed away to the other side of the great terrestrial divide, the engaging thought now is how is it possible for one to get the right, suitable policy at a moderate cost. After all, what is the purpose of one’s whole working life when the loved ones are victims of intolerable financial difficulties and nothing to show for it. The way out, therefore, is saving for the rainy day and here comes the issue of moderate cost life insurance.

The rainy day, according to the terms of this piece is when one’s limbs and veins will be at the lowest ebb of physical ability and performance thereby falling on one’s accumulation of financial resources during one’s whole working life. A vivid example here is the insect ants that normally work and build their unique food stores when the weather is conducive and stay indoor in their anthills to enjoy that accumulation when the weather is cold and inclement. The wisdom in this process in this lower animal kingdom cannot be farfetched for human beings too so we all just must save for the rainy day.

The starting point for a moderate cost of life insurance is at the moment one sees the need for a life more abundant both for one him or herself and the one’s loved ones including children and relatives either at one’s old age and finally when one quits the final scene of life and here comes a point of contact with an insurance company or the agents that abound in nearly every nook and crannies of the urban areas in any country under the sun.

When the right insurance companies or agents are contacted, one will be apprised of different products and terms to suit one’s pocket. Since life insurance is, no doubt, a vehicle for capital formation to meet both ends at a particular point of life, the need to choose the very good options of moderate cost life insurance cannot be overemphasized at any stage of life. This could be in form of a protection for your family, business opportunities or additional retirement income or set off mortgage at a particular time. Life insurance is, no doubt, just like an umbrella with which one covers one’s head and body whenever the rain falls or when the shine is shine is very hot beyond the body temperature.

Going by the moderate cost, the most popular and easy one is the generally known term insurance, with this option, you are only accessible to mere protection and there can be no cash surrender value and therefore and no capital accruable before the death of the insured. While it is true that there are many ways to create capital to suit one’s personal purpose namely through regular savings, investment in mutual funds or normal business endeavors, moderate cost life insurance can only induce a capital after the demise of the insured and so the earlier one starts to think about getting a moderate cost life insurance at one’s prime age the better so that when the ultimate end comes one’s dependents will be better for it.

The author is the Executive Director of Pan-African Reconciliation Centre and also a leader in the third sector of the global economy. His passion for a life turning point for the grassroots populace led him to the business world.
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Monday, March 14, 2011

Why a life insurance policy is indispensable

Life insurance policy is, nowadays, a very important possession for which any right thinking person in today’s world of hustle and bustle can hardly do without because of the inevitable economic rat race that is seriously aggravated beyond any stretch of imagination since the emergence of the financial meltdown a couple of years ago. If one considers the rate at which untimely death occurs to people without regard for age, creed, color or social status and the untold sad effect on the unfortunate survivors, the reason to save for the rainy day cannot be farfetched.

While it is true that death either by natural causes or accident will come when it will come, so the need to prepare for it and save one’s dependants the agony of wading through the pains and pangs of life without any aftermath financial backing is always greatly felt particularly when these loved ones are at the prime age of life.

For who is the life insurance policy?
In most cases some people are of the erroneous impression that the life insurance policy is simply to take care of the burial expenses of the policy holder once the persons crosses to the other side of the great beyond but it is quite far and more important than that. Life insurance, no doubt, is intended to take care of the survivors of the deceased particularly when it comes to the issues of meeting the inevitable needs like children education for instance those whose age are below the age of 18 at the time of the bread winners death..

Which is the right insurance policy?
Although life is said to begin at forty, the earlier one starts to prepare for the old age the better since it is at that material point in one’s life that the energy and the thinking faculty appears to be at the peak. This is the reason why the life insurance client or the policy holder has to pay in accordance with the age and the type of work he or she does. It, therefore, stands to reason that a white collar job person is not to pay as much premium as someone in the energy sapping field like a laborer, a technician or a fireman so the riskier the work you are doing the more premium the cost of insurance.

Getting the right insurance policy.
Since owning an insurance policy is too important to be jettisoned, the next step is to get in touch with reputable companies having a track record of excellent performances not the ones that will be there today and vanish tomorrow. In many urban areas there are thousands of companies who appoint agents and salesmen to work for them on commission basis, all you need is to get hold of one and discuss your intentions with him or her and before you say Jack Robinson, you will be confronted with a range plans and prices that will suit your purpose. Once the negotiation is done and payment is made then you can relax and ensure that the premiums are paid as at when due because if that elapses, the outcome will be as good as not going into it at all and whichever way one looks at it, life insurance is a necessity.

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Tuesday, March 1, 2011

Five Good Ways to Maximize Your Home Business Opportunities

Eking a living to one’s satisfaction is so Herculean today that it is only someone with the wrong mindset that will not embrace the succor the home business and how to maximize it for a life more abundant. This is because; the current global economic meltdown continues to make a mince meat of people’s regular income no matter how big. This is because after paying the inevitable bills of accommodation, children’s school fees, mortgage and other social responsibilities, just a little remains to be set aside for the much dreaded rainy day.

Thank goodness today that the information and communication technology is now filling the yawning gap that make people smile to the bank. It is quite a great irony of life that so many people want to joint the Internet money-making bandwagon but are quite oblivious of how to go about it and that is the main reason for proffering the five good ways by which you can maximize your home business opportunities.

1. The will-power.
Since nothing good ever comes easy and home business not an exception, there must be a very strong motivation and the will power to succeed in the efforts no matter the odds. Whether your purpose is to earn an extra income, saving for a dream vacation and so on, all you need do first is to put your ideas on paper, draw up a plan and follow it to the letter.

2. Good Internet connectivity:
With your workable plan in place, the next step is to secure a computer with high internet connectivity in order to facilitate your efforts. If this is not possible for financial reasons, good use can be made of the public cyber-cafes for a start on information searching endeavor.

3. Right business attitude:
Getting the major right tools i.e. the computer and the Internet in place, the next thing is to work on one’s right business attitude through one’s present skills and interest. The next step also is to check the websites that offers good information of the range of opportunities for successful home business and here search engines like Google, Yahoo, Bing and a host of others will be of tremendous assistance towards the cause.

4. Calculation:
Once you have been to secure helpful information from the websites to help you move along, the next thing is to review the opportunities once more and see if you are ripe to move ahead in your bid to secure a good home business. This will enable you to identify your financial needs and how to secure them. It is then up to you to decide how many hours a day you are to put in the efforts since the failure or the success depends on no one but you.

5. Life time career:
Since this is a matter of input and output, you should put everything in you to it, set your own hours of work from which you must not entertain any distractions otherwise you might not achieve the expected results in a record time.

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Thursday, February 24, 2011

Three Best Ways to Make Money via the Internet

With the current developments in the digital world, opportunities are in leaps and bounds for anyone who finds making a good impact and appreciable headway in their present brick and mortar business and considering making a foray into the Internet marketing at least for purpose of paying their bills on social and domestic responsibilities. Be that as it may, they will find the following three best ways to make money via the Internet quite helpful.

Good salesmanship.
Every human being, is a salesperson by nature and whatever may be one’s social standing this is because there is no one who does not possess a persuasive tendency since we all talk in one way or the other to convince others to buy our ideas, products or service. There are, of course, some people who are so gifted in smooth talking to an extent that they do not find it difficult to sell an iced block to an Eskimo in far away Greenland and that is a typical example of good salesmanship.

Creating one’s or selling other people’s product.
Whichever way one may look at it there is no easy way to making money just as it is in brick mortar ventures so it is always in the ever growing online business. You create your own products or sell other people’s efforts by the way of Affiliate marketing. What is so common today for a budding Internet marketer is creating what is generally known as information product. This by writing out your experiences in life and work, print them out in form of e-book for sale via the net and if you cannot do that, there are so many affiliate establishments whose products you can sell for a good commission.

Knowledge of the Internet.
For anyone to make a good headway in online business a considerable knowledge of the Internet cannot be overemphasized and if you know how to set up and host websites, the opportunities are quite limitless since that will stand you in a good stead to generate adequate income through affiliate marketing. Thank goodness today that Google which controls over seventy-person in the existing searching engines facility offers a good money making opportunity through its very popular adsense program to which you can apply, place their adverts on your blog or website and you will surely earn a good income along the line. These three. Ways to Make Money via the Internet are a sure bet for anyone who follows them diligently.

Ade Adenekan is the Executive Director of Pan-African Reconciliation Centre and also a leader in the third sector of the global economy. His passion for putting a for a life turning point for the grassroots populace led him to the business world and more of his inspirational efforts can be seen here

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Monday, January 17, 2011

Four Sure Steps to Success in Home Business

The global economic meltdown is, no doubt, the cankerworm that eats so much into the social fabrics of the world’s entire populace to an extent that not only a typical grassroots people but also those in the upper echelon of the society also find making ends meet a big task. This is because no matter how hard people cut their coat according to their cloth the normal residual income is always far from being adequate to meet both the family and social responsibilities.

Since the ubiquitous financial hardship is not the exclusive preserve of anyone, retired people particularly from the normal employment in need of additional income to pay their bills find succor in home business. In some cases as well, many stay-at-home moms are in the rat race since they just have to support their husbands in shoring the domestic expenses.

Many people are just tired of 30 days make a pay check syndrome that has little or no effect on their social well-being particularly those who normally go a borrowing from friends and relatives for a living until the next pay day and once the inevitable debt is grudgingly and willy-nilly paid to the impatient creditors virtually little or nothing is left from their meager income to take care of their family and personal responsibilities.

While it is true that nothing good comes easy whichever way one may look at it, certain good steps ought to be taken by whoever is desirous to make a foray into home business whatever may be the previous or present areas of economic endeavor. Here, however, are four sure steps to success in home business.
Regular working hours

The need to set aside some regular hours of work cannot be overemphasized and if it is eight or ten hours every day you can set aside to work on your business, stick strictly to that time. If you are to work from nine o’clock in the morning and close at 6 pm in the evening just let it be so always.
Avoid distractions

Right from the onset of your home business, you just must avoid distractions like a plague otherwise your efforts, no matter how good they may be, will lead you nowhere. You should minimize to the barest minimum the attention and interference of your spouse, children and relatives in your business activities and once they identify you with those hours, they are bound to let you have your way.
Procrastination

Since procrastination is the thief of time, extra care must be taken to avoid it at all cost, this means actions are to be taken immediately issues instead of postponing them no matter how trivial they may be.

Immediate profit syndrome.
Once you settle down to your home business, you should not expect profit immediately; see your efforts as a baby that must be nurtured from infancy to adulthood. Just ensure that you put all that is in you as efforts into it say for the first two to three years that should be regarded as the gestation period.

The author, Ade Adenekan is the Executive Director of Pan-African Reconciliation Centre in Nigeria and a leader in the third sector of the global economy. If this piece is of any appeal to you, feel free to get more at and also at his other blog

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Monday, January 10, 2011