Julie Rains's blog

5 Ways to Stay Profitable in Changing Times

A few weeks ago, after enduring a major rainstorm during a cycling training event, I accepted a ride back to my starting point at a local bicycle shop. The shuttle driver happen

What It Really Costs to Own a Home

I’m a mortgage-free homeowner but, despite paying off my loan, I still have plenty of expenses associated with owning and maintaining my house.

How to Preserve Critical Vendor Relationships

Monitoring cash balances is essential and withholding payments until the last moment may be necessary, but be careful: being slow to pay  may alienate you from vendors.

Networking Basics for Regular People

Competition for jobs is fierce but networking is one way of differentiating yourself as a stellar candidate. Here are tips on networking basics as well as ideas on how to avoid see

Tools to Get Organized, Family Style

Many people think I’m incredibly well organized because I can easily manage (certain) projects and recite dates, locations, deadlines, etc. for my family’s activities. The truth is

Cheap and Easy Halloween Costumes for Kids

I love Halloween but hate paying high prices for kids' costumes. Over the years, I have managed to create a few costumes cheaply.

Awesome Accomplishments: 50+ Questions to Ask Yourself and Figure Out What You've Done

Figuring out what you've accomplished at work is essential to demonstrating your value to employers. Here are 50+ questions to jumpstart the process of articulating awesome accompl

One Talent, Multiple Streams of Income

Wondering how to use creative talents to pay the bills now and build for retirement later? Last week, I spoke with Texas wildflower artist Linda Calvert Jacobson about what works f

5 Fatal Assumptions of Job Seekers

Many people are job hunting these days. I have worked with job seekers for many years and have found that these five common assumptions frequently derail a job search.

Summer Camp as a Side Business

My tween son went to a Lego camp this summer so that he could learn robotics, something I wasn’t sure I could teach him since his technical skills typically surpass mine. My initia

How to Use Vendor-Managed Inventory Programs

A well-run vendor-managed inventory (VMI) program could allow your business to speed up its cash flow by more closely matching your cash outlay for inventory with your cash infl

How to Get Good Advice

Sometimes the shortest and best path to making a decision or solving a problem is to ask for insights from a wise person. Here are ways to make sure you are getting good advice.

Remember Where You Parked Your Car and More: 35 Practical Uses of a Digital Camera

Creativity, frugality, and, on occasion, desperation can inspire innovative uses of the digital camera. Whether it is a standalone device or part of a smartphone or PDA, don't leav

When and How to Offer Discounts for Early Payment

Offering discounts for cash, upfront and early payment can be an integral part of a comprehensive business management strategy, not just the domain of the accounts receivable de

Using a Card, Not a Vendor Credit Line, for Business Purchases

Getting credit terms (aka trade terms) with vendors is usually a savvy move but, depending on the circumstances, paying with credit or charge cards can be just as smart. Securin

8 Ways Great Service Prevents Chargebacks

Sealing the sales deal is the key to opening the door to success. Getting in compliance can be cumbersome but can mean fewer charge-backs and more cash in your pocket now. More

No Limit, No Interest: What’s the Deal with Charge Cards?

Charge cards, like their credit card cousins, allow cardholders to use plastic cards to make purchases and then pay at the end of a settlement period, typically on a monthly basis. [more]

Close-to-Home Outdoor Adventure Basics

I know many people would like to spend more time outdoors, but may not know where to start. Here are some of my favorite modes of outdoor exploration that doesn't require too much

The Informational Interview: What Not To Say and More

I have encountered job seekers who had taken part in informational interviews but seemed to find them fruitless. Admittedly, having helped many clients using a straightforward appr

5 Perfectly Respectable Ways To Get A Free Meal

If you’re willing to be patient, gracious, and alert to opportunities, you can enjoy free meals on certain occasions. Here are ways that have worked for me.