Renting Textbooks


wealthymattersWe in India are fortunate in that many publishers have subcontinent editions of textbooks that are priced less than their international counterparts.

Its only when we go to the US, in pursuit of higher education, that we have to face the steep costs of textbooks, especially when we are on a budget due to limitations on the foreign exchange allowance allotted to us and the weakness of the Rupee. Xeroxed and cyclostyled study materials are not so common in the US, where it is seen as theft of intellectual property.

A smart saving option, under these circumstances, is to rent text-books, at least those you don’t plan on using extensively or keeping with you for any length of time. By doing so you can save 40-90% off of bookstore prices. You can use a service such as campusbookrentals.com which offers free shipping both ways of your rented books, flexible renting periods and allows you to highlight in the textbooks you rent, i.e. use them exactly as if you owned these books. Read more of this post

Binary Options Trading


wealthymattersAre you looking for a way to increase your money on the side? Perhaps you’re already doing pretty well in life: Your business is bringing in a fair amount of money, your stock market investments are doing well, you’re driving a very nice car and you’re even using a high end dating service. However, you know that complacency is the enemy. If you do not go out and work hard to maintain your success, it could fade. You want to keep making money in all possible avenues so that you can be more successful every year. If so, you should know about binary options trading.

Basically, this is a type of trading that works with the Forex, or foreign exchange, market. You can also trade with commodities, indices, and even stocks, but not as heavily. Most of it is centered around the exchange market, looking at the currency pairings and seeing how they move up or down in value when compared to one another. This is a multi-billion dollar industry, turning over far more money every year than the stock market, so you know that you can make money if you know what you’re doing. In fact, maybe you’re already active in forex trading. Read more of this post

Damn Sure


A Man Is Not A Financial PlanLadies, marry money if you must, but be damned certain you have your own income, savings, assets and a financial plan to provide for your needs.

Ha! Ha! Ha!


wealthymatters

Tipping Ideas


tippingWhile not every business allows tipping for their employees, many do, and if your business,especially in the US,involves food, most customers will expect to be able to tip their servers. Tipping, however, isn’t as common as it has been in the past, and if you are wondering what you can do to encourage tips from customers, here are some suggestions:

Offer Excellent Service:
Obviously, the best way to get a good tip is by doing a good job. Smile, greet the customer by name if they provide it and give them what they want in a timely fashion. No matter what out-of-the-box tip ideas you come up with, customers won’t give if the service is poor. Granted, some people will be rude anyway, and others won’t even think about it — that’s the tough part about working in the service industry — but being friendly and professional goes a long way.

Reward Tipping With Something:
The Cold Stone franchise is famous for their tipping policy. Every time someone puts a tip in the jar, the workers have to sing. They have a variety of short songs about ice cream written to the tune of another well-known song, and it’s not uncommon at all for customers to tip just to hear them sing. This also works well to keep customers entertained when the line to get ice cream is long and slow. Keeping your customers in a good mood right up until they pay makes it more likely they’ll offer you a tip of their own. Read more of this post