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One Cent At A Time

A Personal finance blog to get rich

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Archives for June 2016

  • Beautiful Life
  • Becoming Rich
  • Beginners Guide
  • Extra Income
  • Productivity
  • Saving Money

Tips For Saving When Money Is Tight

June 29, 2016 3 Comments

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I come from a low-income family. I was taught from childhood, the tricks and trades of sustaining life on a low-income. Previously I posted on how to save for retirement with a low-income and how to create an emergency fund with a low-income. This one is the most basic of ’em all. If you learn to save on a tight income you will learn the other tricks.

Tips For Saving When Money Is Tight

Tips For Saving When Money Is Tight

When your income is low, saving is necessary for a better future. How can you afford to save if you are not currently saving any money? If you are saving, how can you afford to put aside a little more? The answer lies in how people from poor countries spend happy lives with a low income.

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18 Financial Management Resources that Can Advance Your Business

June 26, 2016 Leave a Comment

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Michael Gerber pointed out in his landmark book,The E-Myth, that knowing how to perform the tasks of a business doesn’t always equate to knowing how to perform the management of a business. More than one company falls afoul of this, especially when it comes to financial management. Experts and technicians are never trained on this important tool, nor are many otherwise successful and experienced managers.

If you can’t hire a financial manager, your best bet is to become a knowledgeable one. Here is our list of the five best financial management resources that can be used to develop your skills in this vital area.

Small Business Finance Blogs

  • Kabbage’s Small Business Blog features multiple experts and authors and is brought to you by the leading online lender for small business funding. They offer posts on a variety of topics from business loans to financial management, all of which are informative and solidly actionable.
  • NFIB Small Business Blog has a financial topics section. Run by the National Federation of Independent Businesses, it is maintained by experienced professionals. It serves its membership by offering a variety of resources from surveys to studies and presentations.
  • American Express Open Forum is another multi-topic blog run by an important national brand. You’ll find specific and actionable financial advice among other useful posts about organizing your time wisely, promoting your business with modern technology, and training new hires.
  • Zero Hedge offers a unique approach to the personal finance articles shared within the context of financial news. It’s honest, hard-hitting, a little bit snarky…and it addresses developments and events that will impact the financial health of your company.

Small Business Finance Podcasts

  • Smart Passive Income might seem niche at first since it’s aimed towards people who are trying to use the internet to develop streams of income, but the topics discussed in each episode can be easily applied to brick-and-mortar or home office businesses.
  • Rich Dad Radio Show, produced and developed by business and personal finance guru Rob Kiyosaki continues to build on the financial advice given in the best-selling book by the same name. The podcast delivers extremely detailed advice on the strategic side of business finance management.
  • Steve Bragg’s Accounting Best Practices is an accounting podcast for accountants, but it is also highly relevant for those who are looking to immerse themselves in the financial reporting aspect of managing a business.
  • The $100 MBA gives us ten minutes of education on a variety of business topics every day. You’ll find focused small business finance topics on the roster, along with industry expert interviews on marketing, management, technology and more.
  • Entrepreneur on Fire delivers a double-whammy of finance advice for business owners. He shares updates almost every day that ranges from topic pieces to expert interviews across the business news spectrum. He also speaks transparently about his earnings and how he keeps things organized.

Small Business Finance Videos and Vlogs

  • TED Talks Business delivers the same inspiring content that has taken the Internet by storm over the past five years but is specifically centered around business topics. The financial section of TED Talks includes great advice, some for novices and others for more experienced professionals.
  • MIT Financial and Managerial Accounting is a series of free business finance classes made available to the public online. Unless you already have a degree in accounting, it is definitely worth spending the time to work through these insightful videos.
  • YouTube Finance and Accounting Channel has its fair share of informational gems. When trying to figure out which video to watch, the trick is to look at the total number of views. The most popular (and probably helpful) videos are the ones that have numerous views and are frequently shared.
  • EHow Small Business Videos are go-to if you are seeking simple, beginner-level advice. Their videos cover everything from home construction to business finance. Even though most advanced topics are not discussed here, anything you need that is at a more basic level can certainly be found.

Small Business Finance Books

  • Small Business Cash Flow addresses the problem we pointed out in the intro to this post: business owners know how to create a product or deliver a service, but don’t always know the details of other aspects related to running a business. This book covers the cash flow and finance side of that issue, in a language and style that a business owner can easily understand.
  • Financial Management 101 offers a simplified series of explanations for topics that many small business owners find confusing or intimidating. This book takes the mystery out of financial statements, reports, investing, taxes and other more complicated aspects of financial management.
  • Accounting for Small Business Owners offers an interesting overview as well as instructions related to the basics of accounting for small business owners. Whether you are new to business management, or just to the financial reports and requirements, this book is among the best places to start building your base of financial management knowledge.
  • Finance Your Business is an anthology written and published by the folks at Entrepreneur Media. It is go-to for insights into the pros, cons, ins, outs and best practices of funding a business for start-up or expansion.
  • Small Business for Dummies is, like its series mates, the definitive entry-level guide, but this book is specifically geared towards all things small business. The chapters on business financial management are extremely detailed and the book is filled with mentions of additional resources. The Dummies series also offers a small business finance toolkit.

It has been proven that reading in a topic for one hour a day will make your knowledge base world-class in just seven years. Since your knowledge base of business finance is one of the most important driving forces for your company, don’t you owe yourself the time to do exactly that?

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Car Accident Settlement Without Lawyer

June 25, 2016 Leave a Comment

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 A number of people do not hire a lawyer and handle personal injury or car accident claims by their own. These are possible when the injuries are comparatively minor. Hiring a lawyer, in such cases, may mean giving away one-third of the settlement.

Car Accident Settlement Without Lawyer

When to go for self-representation

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The Value of Gandhism, Teachings of Mahatma Gandhi

June 25, 2016 10 Comments

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I read an article on Mahatma Gandhi last week and compelled to write this non-financial piece. Gandhi must be a known figure to you, they way you know Nelson Mandela or  Dr. martin Luther King, Jr.

For me, born and brought up in India, I felt Gandhi every day in our school, in prayers, in lessons and in pictures on the classroom wall. I started learning Gandhi the moment I developed reading ability. The practice is still followed in Indian schools. He’s the father of the nation.

Teachings of Mahatma Gandhi

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5 Secrets of A Successful Forex Trader

June 22, 2016 2 Comments

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The first thing that all beginner traders found out is that 95% of Forex traders fail. In spite of that, every newbie wants to be included in 5% of winners and come near George Soros, Stanley Druckenmiller or Bill Lipschutz. Some people think that these traders were extremely lucky and perhaps, they are right. But on the other hand, maybe they had some exceptional skills and attitudes? What really helps to make money on Forex, apart from a good trading strategy, the right Forex broker and a good luck?

Let’s figure out what you should know about successful forex traders in order to become one of them.

5 Secrets of A Successful Forex Trader

The most amazing thing about successful forex traders is that they never “lose”

Obviously, there are no Forex traders without losses, but newbies and experienced traders lose in different ways. Most of Forex newbies think that a loss is definitely a bad thing and waste their energy avoiding losses. Moreover, they generally become so upset that cannot analyze their mistakes and learn something new from losses.

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How to Secure a Microloan for your Business

June 17, 2016 2 Comments

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For entrepreneurs, it is essential to have a deeper understanding of the many kinds of financial assistance that they can opt for whenever their business needs it. For instance, there are so-called microloans which an entrepreneur may consider at the time it is difficult for him or her to obtain conventional business loans from a financial institution such as banks. What personal loans are for individuals, microloans are for small businesses.

Small Business Micro Loans

Indeed, it is worthy of note that microloans set in order to satisfy the need for minimum amounts of financing so to assist business owners in creating jobs in their regions. Take in mind that financial institutions like banks do not really prefer to make loans that are below fifty thousand dollars mainly because the cost to service the credits overshadows the profits. Even though the definition might differ a little hinging on the organization that makes the microloan, pretty nearly, microloans share the following attributes:

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There’s No Shortcut To Become Rich

June 15, 2016 3 Comments

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Everyone wants to become rich quickly and without effort. But how to become rich? Everyone knows that there is no a definite formula for becoming reach. People get money in different ways. Some of them inherit a fortune from their well-to-do and generous relatives; others have to work hard until they save up some money. It is also possible to win a lottery if you are lucky enough or to rob a bank if you are bold. However, there are some simple steps with the help of which even a child can start earning a lot of money.

There's No Shortcut To become Rich

The first step in becoming reach is to understand why you need money. If you have no clear aims, it will not work. Try to make a list of your dreams. Set a priority and think carefully what is more important for you. It may seem quite easy and silly at first sight, but it is vital to do this in writing. At this stage, the majority of people find it difficult to identify what they really need. Do not concentrate on those things which you cannot have, think about what you will achieve! It may be helpful to visualize your dreams using some pictures. Knowing what you want is the secret of success.

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Is Online Banking Safe?

June 14, 2016 15 Comments

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When I received this guest post, I was wondering, was it going to add any value to my readers? Then I read the post and found out that only 46% of internet users use online banking. There must be a reason half of them don’t use online banking. To me, online banking is a boon I never bank at local branches, I can do everything sitting on my couch using bank’s website or app.

Online BankingIn today’s digital world, everything seems to be done online. From talking to friends and family via video chat to shopping and everything in between, the Internet is completely eliminating the middlemen, including bank tellers in traditional bank branches around the world. Nearly every bank today offers online banking options that allow their customers to manage every aspect of their checking, savings, or investment accounts as well as perform a number of convenient functions through an online banking portal.

The majority of today’s banking customers now utilize online banking to review their accounts, transfer funds, make payments , and perform a host of other useful functions. In fact, according to MSN Money, more than 46 percent of Internet users in the U.S. utilize online banking. Unfortunately, like anything else in the virtual online landscape, there are pros and cons to online banking.

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Different Forex Trading Strategies

June 8, 2016 1 Comment

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Over the years, countless Forex trading strategies have been invented. They range from basic strategies for beginners to advanced and more complex ones, mostly used by a minority of traders. Some of them are based on the thorough understanding of trading rules and market, while some rely on charts, numbers and pre-defined patterns. It’s up to you whether you’ll buy Forex strategy solution or look for a free trading set of rules.

Trading

Whichever strategy you opt for, here’s a couple of things to have in mind:

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The Anniversary Gift guide

June 6, 2016 1 Comment

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Long back I posted a list of frugal anniversary gift ideas. Till date that’s one of my most visited pages. Here’s an infographic that pretty much summarizes the gifts as per the anniversary year. To be honest I don’t believe in such demarcation that first anniversary gift has to be something made of paper and the second anniversary gift should something made off cotton.

We should bring the gift that we feel would make our spouse happy, if not happiest. Still there are some people who would like to go by the copybook. This year will be our 12th anniversary and it’s extra special because of the presence of a little one in our life.

I’ll post about this year’s experience when the day comes in July, just about a month from now. Now about the graphics below. I am not sure if you could wait till 50th anniversary before you gift a piece of gold or diamond for 60th. I admit I had gifted both gold and diamond already.

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