Friendly Finances & Loans

Payday Loans, Another Alternative Form of Personal Loans Many check cashing businesses offer small sum, short-term, high-rate, unsecured personal loans. These type of loans go by the name of: payday personal loans. In a payday loan transaction, the borrower will provide to the lender items such as a paycheck stub, photo identification and a recent [...]

A self-assessment process gives us insights into who we are personally. Organizations that commit to this process must also assess themselves to know their leadership style, express their visions for the future, and devise strategies and processes to realize that future.Here’s where a critical question emerges: To get where we want to go, can we [...]

All of the examined asset classes exhibit significant positive autocorrelation. There are two main reasons that should be noted. As mentioned earlier, one reason is the illiquidity of certain segments of the international bond markets. The high-yield sector is a typical example for a rather illiquid market segment. Broad high-yield indices represent the investment universe [...]

Some of the most useful practical techniques to improve profitability are as follows: Focus decision-making on the most profitable areas. Concentrating on products and services with the best margin will protect or enhance profitability. This may involve redirecting sales and advertising activities. Decide how to deal with the least profitable products. These often drift, with [...]

Harley-Davidson, a motorcycle manufacturer, hit hard times during the late 1970s that resulted in a management buy-out in 1981. At this point, senior managers visited Honda’s Marysville, Ohio, motorcycle facility. The contrast with their own facility was dramatic in terms of layout, production flow, efficiency and inventory management. Harley’s managers concluded that if they were [...]

Susan, a stay-at-home mom and part-time consultant, is equally unhappy with their investments. She wants Michael to work less, even take early retirement, and consult part-time so he does not miss his children’s childhood years. She is certain they were happier before Michael’s big promotion. She is angry that their portfolio is in constant flux. [...]

Medical care is a double-edged sword for many Americans. We have easy, instantaneous access to both necessary and elective care. Sadly, we often don’t realize the true cost until after procedures are completed. In your journey to eliminate debt, you’ve got to be incredibly cautious about adding tens of thousands of dollars in debt overnight. [...]