12 Steps to Improve Your Career in 2012 -- Part 1

12 Steps to Improve Your Career in 2012 -- Part 1: As we get ready to close out another year and embark on 2012, now is the ideal time to take stock of our professional progress in 2011 and set career goals for the coming year. Even if you plan on staying in the same position throughout the next year, there is plenty you can do to develop professionally and best position yourself for future growth. Remember, in the New Economy, career development is no longer a luxury; it’s an imperative.

2012: Year of Empowered and Assertive Digital Customer

2012: Year of Empowered and Assertive Digital Customer: As 2011 comes to an end and as we look forward to celebrating New Year 2012, one thing that strikes most looking back is the massive increase in ownership and usage of Smartphones and Tablet computers. Just consider following headlines in the last few days: “On Christmas day alone, a total of 6.8 million iOS [...]

Top 5 Investment Opportunities In Africa For 2012

Top 5 Investment Opportunities In Africa For 2012: African economies easily rank among the most resilient in the world. In the middle of the 2009 global economic recession, Africa was the only region apart from Asia that grew positively, at about 2%. The continent’s growth has been on an upward trajectory ever since then- 4.5% in 2010 and 5.0% in 2011.

IHS Top 10 Prediction for 2012: Another U.S. Recession Unlikely

IHS Top 10 Prediction for 2012: Another U.S. Recession Unlikely: Europe not as lucky with negative growth expected in the next year.

Find Your Passion!

Find Your Passion!: Now this is completely different from what I normally write but I wanted to tell you about my grandson. He taught himself how to do this and is now regarded very highly. He is following his passion and he is having a great deal of success. At the age of 12, he decided he would [...]

Money Management Tips

Money Management Tips:

Money Management Tips by Benedict Smythe

Good money management skills are indispensable for a happy life. Such skills don’t only affect the financial aspect of your life. They could also affect your ability to make sound decisions in your relationships and emotional health. Because money management can have such a tremendous impact on your life, you have to hone your skills in it. Here are a few tips for wise money management that, when followed, will help improve the quality of your life through better financial control, increased savings, and better decision-making when it comes to spending.

1. Keep track of where your money is going.

It is very important that you know where exactly your money is going. Paying attention to how you are spending your money is a major step in managing your finances. It would be helpful if you write down all your expenditures for a certain period of time, say weekly or monthly. Once you have done this, you can evaluate your record and try to curtail all of your unnecessary expenses.

2.Spend your money wisely on things of lasting and/or appreciating value.

Most people spend their money on expensive things that have no lasting value, such as clothes, gadgets, and cars. They purchase these things at the expense of those that really matter like property, education, and insurance, among others. In other words, invest your money in things that would be useful to you in the long run.

3. Make a budget suited for you and make sure you stick to it.

Design a budget according to your income and expenditures. Make sure that a certain amount of your income goes to savings and reducing your debt. Analyze your budget and check what expenditures you can cut down on. Once you have a budget, make sure you follow it so that you would be able to avoid overspending, gain greater financial control, and eliminate stress.

4. Make sure to set aside some money.

Using your budget as a reference, determine how much money you can save. We are able to reserve some money for our rent, phone bills, and other obligations so it wouldn’t be that hard to treat savings as another form of obligation to ourselves. By having extra money kept in the bank, you’ll be sure to have something to use when an emergency arises, say, when all of a sudden you find yourself finding it hard to keep up with your credit card payments.

5. Go for debt consolidation if you think it will help you.

You may resort to debt consolidation. This involves merging all of your balances into one loan at a lower interest rate at an extended period. Doing so will help you in the short-run since your monthly expenditure will be reduced to an amount that you can handle given the limit of your income. However, you must consider that debt consolidation will keep you indebted for a longer time, thus stretching your interest payments and will result in a bigger overall amount that you have to pay.

About the Author

Wilson Field are leading insolvency practitioners that can provide free advice for Insolvency and Debt Problems. Benedict Smythe is a freelance article writer for Dolphin Promotions Ltd

Personal Finance & Money Management Tips : Money Market Account Tips & Advice

60 Seconds: Things That Happen Every Sixty Seconds

60 Seconds: Things That Happen Every Sixty Seconds:

60 Seconds – Things That Happen On Internet Every Sixty Seconds



World Wide Web is growing at rapid pace. On average, more than a billion new pages are added to it every day. To give you an idea of how big world wide web is, our Infographic 60 Seconds will cover some really interesting facts about websites that we use on day-to-day basis.

Infographic by- Shanghai Web Designers

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60 Seconds – Things That Happen Every Sixty Seconds Part 2

If you think that not much can possibly happen within 60 seconds, the following infographic will entirely change the way you think. Our “60 Seconds – Things That Happen Every Sixty Seconds” infographic contains 19 interesting facts that occur every sixty seconds.

Infographic by- GO-Gulf.com Web Design Company

5 Top Tips for Graduates and Students

5 Top Tips for Graduates and Students:

There are a few key things that as a student or recent graduate, you may want to be considering as you enter into the job market. It's a tough market out there if you aren't prepared and aren't sure what to do so think about the following tips:

1. Get Clarity

The 7 Critical Stages of Engagement in the Employment Process

The 7 Critical Stages of Engagement in the Employment Process: According to Kim Shepherd, CEO of Decision Toolbox, "There are seven critical stages of engagement in the employment process. We have closely examined how each is currently broken."

Top Ten Productivity Killers

Top Ten Productivity Killers: Guest Post by Kristy Ramirez – Fundamental Productivity Killers After browsing the plethora of websites found under “top ten productivity killers,” one can find fundamental productivity killers...



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