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Chase-0% on balance transfers

Women managers,balance chase-0% on transfers women business owners and other business women must sometimes contend with unenlightened behavior and attitudes from male colleagues.

You can either choose to get your dander up each time, which induces stress and health issues that hurt you (not the guy) or figure out how to deal effectively with it. Business Communication That Excludes Women in business sometimes find themselves in the situation where the conversation turns to subjects that exclude her, such as sports, hunting, etc. Now, while not chase-0% on balance transfers all business women will feel excluded from some or any of these subjects, there are certainly times when balance chase-0% on transfers they do get excluded in male-dominated conversations. What choices do you have in these situations? Clearly, it depends on the situation. If you are traveling with colleagues and they get into a big conversation about Tiger Woods and you couldn’t care less, fine, zone out and re-enter the conversation when it’s more interesting to you. However, if the conversation is taking place over dinner at a restaurant with clients and you want to be sure that the clients bond with you as well, you will need to make different choices. For one, ask your golf-loving colleagues to steer clear of eighteenth hole stories. But, be prepared for an alternative strategy, especially if your client is also a big Tiger Woods fan. The business woman’s most useful tools in this situation are USA Today and The Wall Street Journal. Review them before dinner with your client. Then, you will be prepared to make a sports-related comment, draw the client’s attention to you, allow him or her to expand, then change the subject. This strategy allows you to enter the conversation rather than being excluded then re-direct. Business Communication that Offends Even in the face of discrimination laws and potential lawsuits for inappropriate conduct and language, some people persist in making offensive jokes or prejudicial comments. Women business owners can also find this difficult to handle because they are afraid of losing the prospect or client. But all women in business are in an excellent position to improve the business environment by taking positive action when faced with an offensive situation. If you are present at a business meeting when someone makes offensive or prejudicial comments, just do this. Say, in a matter-of-fact but non-judgmental manner, “Hey, folks, we all know this line of conversation isn’t appropriate and has nothing to do with the business at hand so let’s move on.” Then proceed on some point with the discussion at hand by drawing other people into the conversation. You have taken several actions at the same time. • You have established that the comments are not tolerated. • By using, “we”, you have included everyone in your statement. • You have redirected the discussion and taken the spotlight off the offensive remarks(s), giving everyone an easy opportunity to move on. • You have warned the offender without subjecting him or her to overt criticism or discomfort. Although it may take courage, any business woman can use this strategy, whether she is leading the meeting or simply participating. Most people will be grateful that someone has the grace and style to handle the situation so well. Realize some people are just plain ignorant When men make remarks that are offensive or get off on conversations that have nothing to do with business, realize it’s their problem, not yours. The kind of people that women in business want to deal with are the smart, enlightened ones. But not every male colleague, prospect or client is smart and enlightened. You getting upset about it is not going to change that. The best way to handle dumb remarks is realize they are what they are and move on. Unless the guy is specifically trying to get your goat (which does happen sometimes) chase-0% on balance transfers you have no real need to pay any attention to him. If he is trying to stir you up,chase-0% on balance transfers you can simply look calmly at him and say “Please stop. You are making yourself look foolish and wasting our time when we could be figuring out a way to ….(whatever you’re trying to do)” and then move quickly to discussing the topic at hand. He’ll most likely begin to feel like a fool and back off. You can take control of the situation. Either choose to ignore them, calmly call them on it and move on or fire them. You’ll find your life is more stress free and more productive when you become the person with the real power.2

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DID YOU KNOW?

Sometimes you tend to get into the downward spiral of debt and there seems to be no ending. You feel you are paying too much on your credit cards and loans. You get aggravated because you are unable to find any solution to your loan problems. However, a debt consolidation loan, if used correctly can come to your rescue.

Debt consolidation loan is a loan that can be taken against the equity of your house. These are also called as secured loans since your house is a security for getting the loan. All your loans can be replaced by a single debt consolidation loan and now on, you make only a single payment.

Debt consolidation loans can give you a fresh perspective on managing your loans and giving you the ability to make only a single payment. Most debt consolidation loans are at a lower rate of interest compared to credit cards or personal loans. A debt consolidation loan will sweep away the pile of credit cards, store cards and other loans you might have.

The debt consolidation loan will free up the equity in your house to repay all you other debts. It can reduce your interest costs and monthly repayments putting you back in control of your life.

Debt consolidation rates are different and available depending on your individual status. Your monthly repayment will depend on your amount borrowed and term. To professionally handle your payments contact a debt counsellor in your neighbourhood. Debt counsellors are certified agents who can work with you on your debt consolidation requests and get you the peace of mind you deserve.

Debt consolidation loan, if not used appropriately can lead you to misery. If you get into a feeling that you have enough equity and now you can rack up even further debt, you will enter a downward spiral and you will not be able to get out of it. It is best advised to use a debt consolidation loan wisely.

Yes, that's right, it's that time of year nobody loves - tax time! No, this is not too early to think about it, especially if you have money coming to you.

All right, so it's not fun to think about doing your taxes. But there is a distinct advantage to getting an early start - it's a reminder to be more organized in this regard in the year to come. Make this as pleasant as possible next year.

Now, if you and your spouse each have jobs rather than businesses, your employer has handled the bulk of the paperwork as far as paying taxes goes. You just have to know what your deductions are. If you're only taking the standard deduction, you may be paying too much, sometimes quite significantly. If you aren't sure what all you can take a deduction on, consult your accountant, or, if you do your own taxes, go to http://www.turbotax.com/ and see what they suggest. You may get a pleasant surprise. They links to tax tips right on their front page.

Of course, if you have a home business, you have more paperwork and more deductions to consider. This is why many home businesses prefer to use an accountant. It saves a lot of worry and can be worth the expense. You can deduct in many cases for your home office, business supplies and more. Consult with a tax professional, and be sure you have receipts for everything in case you are unlucky enough to be audited. I am not a tax professional, so I really cannot give you better advice than that.

Now, if you've done your taxes and find out you're getting a big refund, it's time to celebrate, right? Not really. If you're getting a big refund, that means you gave the government an interest-free loan. You need the money more than they do, right? If you are overpaying to avoid underpaying (and who likes paying more at tax time?), put the excess you were thinking about paying into some kind of savings account. Even a plain savings account in a bank pays more than nothing, and you're still getting the advantage of money saved up. This is far harder to do, of course, since the money is nicely within reach, but it's a good practice in general to have some money you rarely touch anyhow.

Getting your taxes under control now can save you a great deal of trouble next year and in future years. Build good filing habits so that if you are ever audited you can easily justify your deductions. And finally, consult with a tax professional to get the most out of your tax return.









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