Invest in a SURE THING

Written by Holly Cotter

Withrepparttar stock market so unpredictable these days, many people are taking big hits.

My parents are a prime example.

They spent over 3 decades carefully budgeting their money and putting some away each month into a retirement account. A couple of years ago, they could have lived a very comfortable life onrepparttar 117474 interest generated by their stock portfolio. But this year, when my father turned 65 and was ready to retire,repparttar 117475 interest from their investments won't even cover their monthly mortgage payment.

Unfortunately, there are many people inrepparttar 117476 same predicament.

But, although recentlyrepparttar 117477 stock market has become more volatile, it has never been a "sure thing." Historically, if you can leave your money in a mutual fund for 10 years, it will gain in value. But, for short-term investing, there has always been a high element of risk.

Take my friend, George, for example.

For several years, he made a very comfortable living playingrepparttar 117478 stock market from home on his computer. In fact, 3 years ago, he made over $500,000 in a few short months! Wait...don't get envious yet. A couple of months later, he had lost it all AND over $150,000 more. But,repparttar 117479 worst part is, sincerepparttar 117480 loss occurred afterrepparttar 117481 new year began,repparttar 117482 IRS expected George to pay taxes onrepparttar 117483 half million he earned...and he couldn't reportrepparttar 117484 loss until he filed his taxes a year later!

Now, I'm not sayingrepparttar 117485 stock market is bad. In fact, I strongly believe in investing inrepparttar 117486 stock market...AFTER you have built a generous income and have EXTRA money to risk.

Does my business need a Toll Free Number?

Written by Alyice Edrich

There are several types of businesses onrepparttar market... fromrepparttar 117473 traditional brick and mortar, torepparttar 117474 dot coms. But does your business really need a toll free number? That depends on a number of factors, such as:

Do you only market your business to local customers, clients, or businesses? Is most of your business done on an international scale versus a national scale? Do you have an online business that leaves little room for personal contact? Are your products special orders, in which others have to give specific instructions? Do you have a business, where you are constantly onrepparttar 117475 go and away fromrepparttar 117476 office? Do you have employees that do a lot of traveling and call you collect or using a calling card? To answer these questions, let's take them one by one. If you only market your business locally, and you do not have any intentions of marketing it nationally or internationally, you do not need a toll free number.

If your business is mostly done via international avenues, you may want to think twice aboutrepparttar 117477 cost involved in having a toll free number. For instance, if you are based withinrepparttar 117478 US, andrepparttar 117479 majority of your clientele comes from overseas, a toll free number can become very costly. However, if you are based withrepparttar 117480 United States, and you have mixed clientele, both internationally and nationally, it may be advantageous to get a toll free number. In fact, some companies haverepparttar 117481 option of blocking certain phone numbers and locations from using your toll free number (such as Kall 8).

If you have an online business, it's a good idea to get a toll free number. Having a toll free number can make or break a sale.

Often, customers have questions and concerns about ordering your product and service and having a toll free number eases their minds, while making you look more professional.

Not having a toll free number doesn't mean that you will lose that sale, asrepparttar 117482 customer or client can just as easily email you. However, human beings are naturally inclined to do business with someone they know, versus someone they don't. Being able to hear your voice allows potential customers to get a feel for who you are, and inrepparttar 117483 process, develop a sense of security and trust in both you and your business.

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