The REAL Secret to Success
I used to see a chiropractor who handed out a little leaflet entitled “Dr. Hickman’s Guide to Success in Business.” It was very nice, had his picture on the front and was professionally printed. On the inside it said, “Get a job and go to work...
How To Realistically Set Your Fees - Part 2
Effect of Expenses The last article examined how to calculate your realistic billable hours. If you remember, we arrived at approximately 1100 hours in a year. To earn our mythical $46,000 per year, you needed to bill at a rate of $42 per...
How We Eluded The Bear Of 2000
The date October 13, 2000 will forever be embedded in my mind. It was the day after our mutual fund trend tracking indicator had broken its long-term trend line and I sold 100% of my clients’ invested positions (and my own) and moved the...
Should you choose to refinance?
Refinancing has become a valid option for many individuals with high interest rates on their mortgage. Refinancing is essentially a replacement loan, with a different lender and (hopefully) a lower interest rate. So why would you choose to...
Is A Home Equity Credit Line Right for You?
Using credit lines against the equity of your home are one source of
consumer credit that is fast gaining popularity. Home equity is a valuable
asset which both lenders and borrowers can benefit from and as such, lenders...