By Ningthoujam Sandhyarani

 A credit card is issued by a bank or a credit union to an individual by means of which he/she can borrow money or purchase goods. Credit cards allow the user or the cardholder to pay the money later, with an interest charged to the amount. Every credit card is provided with certain features such as the card type (secure, regular or premium), interest rate, credit limit and annual fee.

Credit cards, if used properly offer a number of advantages. These include the ease of purchasing goods, protection of purchases (in case the original receipt is lost) and during emergencies. Also, some of the credit card offers are cash discounts, bonuses, cash back and even insurance cover. However, credit cards have certain disadvantages. One of the major disadvantages of credit cards is that due to their convenience in usage, many of the cardholders land into debt and even bankruptcy.

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By Ningthoujam Sandhyarani

 Auto insurance is purchased to provide protection against financial loss in the event of a road accident. Sometimes, it is referred to as vehicle insurance or car insurance. Auto insurance covers the injuries and damages that are incurred due to an accident. Depending upon the auto insurance product, it may cover the costs for replacing a vehicle, in case it is stolen.

Cheap Auto Insurance in California

In California, auto insurance is not an option, but a legal necessity for cars and other vehicles. It is necessary to have auto insurance for your motor vehicle, before using it on public roads. In case, a car driver is caught without a valid car insurance, he/she may be penalized with a heavy fine and even the driver's license may be suspended.

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By Aditya Kulkarni

 Payroll is one of the most crucial areas in regulating a business. It is not only about paying money but also about business ethics and responsibility of an employer. Furthermore, employer shall bear in mind that it is one of the factors contributing to employee satisfaction. A sincere employee has the moral right to expect a systematic and standard system of payment in place.

In medium and large sized corporate groups, the "Human Resource Department" shoulders the responsibility of Payroll. They prefer to have trained and skilled resources to take care of the system. The same is not found in most of the small sized corporates or companies that are new. Hiring and paying these personnel adds to the total cost; especially when the cost bearing capacity of an employer is weak, he himself has to run the show and solve such odds.

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By Manali Oak

 It is easy to say that you should always be cordial with your coworkers and try to make friends with them. It's easy to talk about workplace ethics and healthy work culture. But, it is equally difficult to maintain it. Perhaps, it is too idealistic to always have polite and friendly colleagues. At times, you come across jerks who dampen the office atmosphere and you need to confront bullies and arrogant individuals who spoil the working environment. And sometimes, you need to deal with them, in their own way; you need to apply a 'tit for tat' strategy! Following is a list of some ways to annoy coworkers. Well! I cannot take the risk of advising you to follow them though!

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By Gaynor Borade

 Personal debt refers to loan payments that beat the income avenues. Personal loans are taken for many reasons. Some of the common ones include:

 

• sudden elaborate medical aid requirement for self or family member
• build up of previous utility payments avoided
• additions to the family with no help in the family economy
• sudden loss of employment

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By © Guardian News & Media 2008

US economy sheds 533,000 jobs, with worst employment figures since 1974 underlining scale of economic crisis
The US economy shed 533,000 jobs last month, with the worst employment figures since 1974 underlining the scale of the economic crisis gripping the country.

The shock data for November far exceeded economists' most pessimistic estimates and sent share prices into a sharp retreat. The FTSE 100 index fell 2.7% as it closed down 114 points at 4049, while the Dow Jones average in New York fell 1.3% by midday, down 108 at 8269.

The unemployment rate is now 6.7%, up from 6.5% in October. It is the highest level since 1993.

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After $1tn Cost of Housing Collapse, America is Now Bracing Itself for the Credit Card Bill

By © Guardian News & Media 2008

US banks start preparing as accounting changes bring credit debt onto the balance sheet
The $326bn rescue of Citigroup was, some investors hoped, a turning point. It prompted a concerted rally on Wall Street last week as shareholders were reassured that the US authorities would not allow another major bank to collapse.

The Dow Jones gained more than five straight days for the first time in more than a year; the S&P 500, considered a barometer of the domestic economy, had its best week in 34 years.

"The government pretty much came out and said it would not let Citigroup fail and it was not going to wipe out the equity holders either," said Pri de Silva, analyst at Credit sights, the Wall Street research group.

Then, on Monday, came the rout. US recession was confirmed and the Dow showed its second largest fall this year.

The question now is how resolute is the government's determination to soak up the cost of holding up the system. With recession under way, analysts fear more home loans, credit card debt and even private equity deals will go bad.

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By Manali Oak

What is Internet marketing? What are the different online marketing strategies? Read on to find out.
The method of marketing products or services by means of the Internet is referred to as Internet marketing. One of the major benefits offered by Internet marketing is its ability to reach the masses in minutes. Moreover, the costs of distribution of information are lower. Internet marketing, also known as web marketing is said to have a wider scope and a greater effect owing to the quality of its medium.

A marketing strategy refers to the means by which companies try to increase their sales and achieve a competitive advantage, focusing mainly on the satisfaction of their customers. Internet marketing makes use of one of the several business models to market goods or services. It includes the display of banner advertisements on websites, email marketing as also and search engine marketing.

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By BEDANGA BORDOLOI

In the present day phenomenon of globality any company whether it is an incumbent or a challenger in order to compete, survive, achieve and maintain growth in the present market condition have to overcome some struggle that arises because of globality. The companies need to identify their inherent strengths and weakness and thereafter work upon it to get an specialized edge.
"The dazzling performance of several small companies in the developing countries has tended to blur the relentless growth in the revenues of the global giants." - Anonymous

The book "Globality: competing with everyone from everywhere for everything "speaks about seven struggles that any company whether it is an incumbent or a challenger have to overcome to compete, survive, achieve and maintain growth in the present market condition. What is actually expected of the companies is that they have to leverage upon their access to world knowledge whether business, politics, society, innovation, science or economics. They have to customize their learnings in a highly effective manner. The companies from the west had been able to grow worldwide only because of the fact that they had kept in mind the cost gap.

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By Buzzle Staff and Agencies

Putting an ad in the paper and hiring an applicant based solely on resume credentials is a guaranteed formula for failure. Here are some useful tips for finding and hiring the perfect person for your job.
Just a few decades ago the process of finding and hiring the right employee for the right job was, surprisingly, easier than it is today. Back then, an employer would put an ad in the paper or contract with an employment agency; resumes would be reviewed, several candidates would be interviewed, and an offer was made. But today with the Internet, a steadily burgeoning population, and a global economy with hundreds more job categories than ever before, navigating the employment minefield for both job applicants and employers can be a tricky business.

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Can You Truly Make Money Taking Survey Offers Online These Days?

by Adam Woodham

I am sure you already know that you can make money taking survey offers online. What you are probably wondering if are there "high "paying" ones out there. The answer is Yes, but most people never find them. So many guys and girls will spend all of there time at low end places that don't pay much. Well, I have a solution for that, which will help you make money taking survey offers online from high paying paid surveys websites.

Before we get to that, I will tell you "why" people are only finding the low end, low paying places out there. You don't have to run around racking your brain to find the answer.

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How to Make Extra Money: Information to Get You Off to a Profitable Start

by Tom Johns

When learning how to make extra money, information about how to do so is key. You can developed as many different internet income streams as you wish, and do this almost as quickly as you imagine them.

But, there are NO get rich quick secrets. There are a few basic techniques in which all internet income comes from. Here are some of the basic income producers you'll want to know about as you learn to make extra money:

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Do you have what it takes to start an online business?

by G. Widmann

We live in an age where it seems every other person you meet thinks that they can have a successful internet business. While there is nothing wrong with wanting to have an independent (extra) income, there are a couple of things to be weary of when you set your sights on such an ambitious goal.
The very first thing that I would advise you to do, is to take a good look at yourself and be very honest when you answer the following question.

"Do you really want to build a business, or are you just dreaming of easy money?"

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How to start a home business

by Low Bee Lian

Having worked in a corporate world for 12 years, I decided to venture into businesses. In my 12 years of work, I have put aside some amount of savings, to own a traditional fengshui business and beauty business. The capital involved in a traditional business is substantial, about 50 to 100k.
Besides these businesses, I also ventured into network marketing. My first company I learn a lot about magnetism and how it can heal pain, however, I wasn't in much profits as the products were quite costly.

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Starting a Successful Online Money Making Business

by Alan Mater

Are you tired of spending every day commuting to your job where your talents are wasted, your boss treats you like crap and you have no chance of getting rich? Your life doesn't have to be that way. You can make a difference; make a positive change.
Every month, there are more and more people making the steps toward working at home. They're experiencing the freedom that is associated with an online website business. They don't have to answer to anyone and can work when they want. Starting your home business is a life-changing decision, and the rewards are usually well worth it.

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