Money Tips Network

Treat your customers and clients like they’re your most valuable assets, because they are. Photo: PopTech

Dreams don’t always become reality, at least not on your timeline.

That’s one of the most valuable lessons I’ve learned as a small business owner. Too bad it took attending the school of hard knocks and letting life, the most valuable teacher, impart this nugget of wisdom into my stubborn brain.

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Macy's Thanksgiving Sale: Extra 20% off, Outdoor Lighting at Home Depot: Up to 50% off + 10% off, Blu-ray Movies...

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question.
1. Two incomes, one strategy
2. Interesting tip about department stores
3. Insulation issues in apartment
4. “Debt up to our eyeballs”
5. Sandwich press
6. Nearby temptations
7. Accounting for selling things
8. Planners, paper or otherwise
9. The “mega-backdoor” Roth

This article is by staff writer Honey Smith.

Looking for a new job is a multi-faceted process. Many of the aspects of career-building that I have been discussing recently are applicable even if you are just trying to keep a job you already have. But laying the groundwork for a successful job search is about more than just your reputation. A job search can take months — in some cases, up to a year or more — so it is very important to be prepared financially before you start to look. Here are three financial aspects to consider as you prepare.

From the Declaration of Independence to the space program, optimism was traditionally something of a core American value; however, it is one that has taken quite a beating in recent years.

Not too long ago, an NBC-Wall Street Journal poll found that 76 percent of Americans lack confidence that their children will have a better life than they do. That is a stunning reversal from the onward-and-upward America in which baby boomers were reared. Then again, the optimism of the baby boom generation atrophied into a dangerous complacence which has been bad for the economy in general and for household finances in particular. The following are some examples of how this complacence has led to trouble, and why the new mood of pessimism might actually be constructive:

Debt management is one of several debt-relief options for those who are struggling to keep up with a growing pile of bills each month.

When you sign up for a debt management plan, you pay a single company every month instead of all of your creditors. The debt management company then pays off your creditors for you, usually after negotiating lower interest rates and payments.

Though it’s easy to confuse debt management plans and debt consolidation, there is a crucial difference: Debt consolidation is something you can do yourself by taking out a new loan that lets you pay off your creditors directly. In debt management, a company pays your creditors for you after working with them to make your payments more manageable.

Part 3 of our Small Business Tools Series tackles the best project management software. Previously we covered Best Cloud Storage Providers and Best Email Marketing Services; now we enter the realm of project management.

There are many project software providers out there these days. While it speaks to the necessity of project management, it also can be difficult to find which one is the best fit for you and your business.

Project management software is a vital tool that affords visibility to project timelines, goals, and expenses while effectively utilizing resources and allowing collaboration between all parties involved.

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I feel fortunate to be in my thirties. In my opinion, it's the sweet spot for all things related to technology. I'm old enough to remember life before computers took over entirely. Yet, I'm young enough to quickly adapt and learn new things that make my life happier and more productive.