• Life’s Little Lessons1

    A few of the kids I grew up with loved going to school, but most of us agreed with the sentiment expressed in that cartoon. For many years I saw going to class and learning enough to get decent grades as something I had to do so that I wouldn’t disappoint my parents and would

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  • THE WEIGHT OF SUCCESS!0

    February is my birth month and also the month of love as we know. I have been comparing successful women in the corporate world to those who are self employed, entrepreneurs or politicians. I have since realised that these two breeds of women are different in every form, literally. It primarily boils down to body

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  • Planning-the core word in business0

    Most of the time, business people find it difficult to know how much cash flow one would need in business. It has been proven over time that the number one ‘killer’ of businesses is cash flow . Therefore even if your business might be profitable it can still collapse if you cannot provide for its

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  • AT YOUR SERVICE!0

    Another year goes by and I now believe that time flies when you are having fun.  Most importantly, I gave up resolutions years ago and I just stick to practical things in life. 
Bottom line is that we are so lucky to be in this wonderful land of ours. The world around us seems to

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  • REFLECTING ON 20100

    This has been a very interesting year. Our politics is becoming very interesting, unions are talking in one voice , the alcohol levy has gone up again in the hope to deter people from indulging. Value added tax has gone up maybe to finally fix potholes and maybe throw in  a toll –gate  or two.

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  • STAYING ABOVE DEBT0

    Honestly, there are a couple of bad habits that will continue to make young people poor for a long long time. The pressure sometimes gets too much and it’s like we are drawn into the spiral web of debt. I know last week I talked about being debt free the coming year but my older

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  • BE MERRY AND DEBT FREE0

    Its Christmas time again and as usual the excitement is going through everyone’s mind. I am already feeling festive and have a list ready for Santa clause. My number one wish is to totally start the year debt free!  Yes! It is very much possible if you remain focussed and collected. You see, the biggest

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  • THE WAITING CONCERN1

    A waiter or waitress is a very crucial member of your staff. I simply do not understand why business owners take the recruitment of these staff for granted .Its really a shame to see how we tend to believe that you just need anyone who can take down orders, speaks a bit of English and

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  • NOT SO CHEAP!0

    What is cheap, really? Cheap is relative and subjective. However, I am of the opinion that Cheap is very expensive. 
Every time I see I sign that says cheap, I always wonder at what expense or whose expense. Most of the time, not all the time   cheap products have a lot of standards compromised. Sometimes

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  • LIFE AND DEBT0

    I think I have said it before that there are good debts and bad debts. Reality is that most of us have to acquire loans to advice in almost every aspect.
As a young graduate I wish someone had told me to start getting into the right kind of debt. A mortgage is crucial especially when

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  • MARRIED AND AFFORDABLE6

    Yesterday I had a chance to catch up with some  of  my school  mates  from Lobsec and  it is amazing how they have all turned out well…literally! 
They  have  grown into respectable professionals, mothers  and wives! Did I mention  movers and shakers and surely  going places? I am proud  of  them  and I know our

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  • THINK TWICE BEFORE BORROWING MONEY4

    Its so scary how we sometimes fall into the trap of over borrowing or over commitment .At the end of the day who is really responsible to tell consumers when they have exceeded borrowing limits? The major set back is that when we as customers are told by our bankers that we do not qualify

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  • Presentation is key to customer retention2

    I am getting reports that people are going around   and checking out all these places that make one wonder why they are spending our money. But as I said before, government departments are really trying. There are a few ministries such as Ministry of Health that need to really benchmark worth their counterparts. The department

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  • Banking services are appalling6

    Maybe government is not at all bad, when you think about the service we get from some of the financial institutions.  I think most of us Bankers have just decided to think like robots and talk like parrots. You can’t imagine the red tape that exists sometimes. Anyways, I believe that as is the norm

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  • No more deadwoods but dead machines1

    The value of money is normally weighed vis-à-vis the service received, or expected service. Believe me, Government is not excluded from list of businesses because it is the biggest franchise. I lost my driver’s license, Omang and everything else in the wallet. Normally, we ladies have everything in there! So you can imagine I have

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  • We getting a raw deal1

    I have a big problem with some franchises and restaurants in town. The question is always whether they are worth the time and money we spend on them. So, I am dedicating a couple of editions this winter to closely look at the value and pleasure we get from these places.  It is clear that

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  • We all are materialistic2

    What do people understand about being materialistic? I have always struggled with the concept of labelling people as such since I believe we all are materialistic. All of us! The danger of this labelling is that it stops a lot of people from reaching their full potential because our society has standards of what we

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  • Your money should work for you0

    Sometimes we make money mistakes that can be avoided. Most of the time we get caught out, because that’s how it has always been done or simply because we do not know any better. For example, saving without looking at all the options can be a set back. When you save the right hand must

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  • Credit cards are a debt trap1

    I read on Yahoo that it is possible to live on cash only. Credit cards ever since the ‘credit crunch’ is a no go areas as far as financial experts are concerned. I agree, and believe that’s possible. However, I believe these cards can be very beneficial, while on the one hand bad for those

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