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There is no such thing as time management; we all have the same amount of time and all you can do is to manage yourself and what you do in the twenty four hours available to you. Not even Richard Branson has twenty six.

You will achieve nothing unless you have a commitment to achieve clearly defined goals. You will achieve nothing unless you have made that commitment a burning desire. Ask yourself why on January the first many people make a goal to lose weight and within a few days they are back on the chocolate bars!

Goals

You must set your goals, both business and personal; then develop a burning desire. The next step is acquire the knowledge you need; plan and just keep doing it. Do not give up no matter how long it takes and how little you progress seem to be making in working towards your goals? You will get there; no question. Practice makes perfect. It is important that you develop consistency. A little every day and you will get there. It is just like eating an elephant. You kill the elephant, metaphorically of course, cut it up into bite size pieces and then freeze down the pieces. You cook and eat a few pieces daily and you will soon have eaten the whole animal.

I could write a book on goals but for now make sure your goals will stretch you, that they are time dated and that you have short term medium term and long term goals.

1. Consider a Debt Relief Center

Across the country, many attorneys and financial experts have set up offices that they call a "debt relief center." When you make an appointment at one of these locations, you can bring all documentation of your current debts and discuss what your options are to best relieve yourself of your debts. For many people, these centers are the first step in pursuing Chapter 7 bankruptcy in order to discharge their debts. For others, it's a great way to begin the process of filing for Chapter 13 bankruptcy which will aid in setting up a payment plan to satisfy creditors. The professionals will also teach you the tools of the trade in keeping your finances more organized and sustainable in the future, helping to assure that this mess won't happen again. Freedom from debt is a long-term commitment that takes education and careful planning, and these professionals know that.

2. Consider debt consolidation services

Many people have come into major debt problems by way of credit card debt. It's all too easy to open a large number of credit cards and suddenly find them maxed out and demanding payment. With debt consolidation, a professional will attempt to achieve card credit debt relief by negotiating with each creditor and putting all of your payments into one monthly, consolidated sum. Over time, each creditor will be paid off and you can be spared from expensive and stressful lawsuits brought against you by unpaid creditors.

Card credit debt relief is the first step toward a brighter financial future, and debt consolidation can put you on the fast track to reducing debt collection calls, stopping harassing mailings, and giving you greater piece of mind. Debt relief freedom will be easier with one monthly payment rather than many costly payments that are impossible to meet each month.

Daniel Alves is the design director for the small business web design division at the digital marketing and web design company 352 Media Group.

If you read the business news that followed Black Friday and Cyber Monday, you would remember that this year's online holiday shopping season was predicted to be the biggest in history. Many reported that online sales were up a whopping 16% compared to 2010.

[More from Mashable : Censorship: Belarus Makes Certain Web Behaviors Illegal ]

However, despite these impressive trends, ecommerce websites only convert 1-4% of their leads, on average. On the other hand, some of the best ecommerce websites convert upward of 15% of their visitors. So how do they do it?

While there are many factors that go into creating conversions, one thing is certain: Great ecommerce websites successfully connect a user to a product with a system that is efficient, easy and fun.

WCTC to be recognized for promoting hiring of veterans

NEW BRUNSWICK - WCTC radio, "The Voice of Central Jersey," will be recognized Jan. 5 by the Employer Support of the Guard and Reserve of New Jersey (ESGR) for its role in promoting the hiring of veterans.

WCTC will receive a personalized statement of support from the Guard and Reserve in acknowledgment of the station’s efforts in promoting this vital and important cause.

Representing ESGR at the ceremony will be New Jersey ESGR State Chairman Col. Alan Smith, USMC, retired. He will be recognizing WCTC as a "National Employer Patriot" and presenting a Seven SealsAward for the station’s efforts in support of New Jersey’s service members. Bert Baron, WCTC program director, brand manager and host of "New Jersey Today," will accept the award on behalf of the station.

WCTC had previously joined the entire Greater Media New Jersey family of radio stations for a veterans-only job fair in November at the PNC Bank Arts Center in Holmdel, and was the only participating station to broadcast live.

One of the major concerns of USA in recent times is credit card debt. Millions of people have lost their jobs and for this reason they are living under extreme hardship. Consequently, most of their indebted amount is still unpaid. The federal government had to therefore intervene in the situation in a positive way and introduce certain declarations. By dint of such declarations the government enabled loaners to reduce their outstanding liabilities effectively. Various debt relief programs have been encouraged to support partial repayment of the unpaid dues. You can take help from one of these programs if you have gathered huge unsecured liabilities. However, you should indentify your requirement as all the settlement programs are designed for same purpose.

Identifying the right program is not a difficult task. In addition to asking your friends and relatives about the same, you can do the task on your own too. For this, an online research program will help you extensively. Here, you can know the details of the program and mark out the one that offers optimal benefits. However, one important thing while you are scanning the debt relief programs is to ensure the authenticity of the program.

You will find various programs responding to credit card debt, but not all of them are genuine and certified by the government. As following the recognition by the federal government, many of these programs have acquired grants from the same, you should opt for a government recognized program only. These government identified programs charge reasonably to the clients and their expertise is unquestionable too. Therefore, avoid falling in a trap of the fake programs which are in the market these days.

Now talking about basic factors will help you to determine which program to opt, you need to analyze your own financial position primarily. If you think that just reducing dues will serve your purpose, then you should opt for the debt negotiation programs. In case of multiple loans, a debt consolidation might help you properly. The same programs will help you in summing up the variable amounts into a single account having the lowest interest rates of all. You can consolidate the amount in other ways too, like taking a home equity loan further. When you need guide on credit card debt management, you can opt for a credit counseling method.本文出自 Mr.J ....

SAN FRANCISCO--(BUSINESS WIRE)-- First Republic Bank, a leading private bank and wealth management company, today announced that Oliver Campbell, an investment professional with more than 20 years of experience, has joined First Republic Private Wealth Management as Portfolio Manager and Managing Director in the Century City office.

First Republic Private Wealth Management provides customized wealth management solutions, including trust, investment management and brokerage services, to high net worth individuals and families, foundations, and endowments. First Republic Private Wealth Management complements First Republic's comprehensive private banking and business banking capabilities delivered with exceptional client service.

Campbell will offer clients equity and fixed-income investment management solutions. Client portfolios utilize both traditional portfolio management and carefully screened outside managers for equity, fixed-income, and alternative investments. Campbell is located at First Republic's office at 1888 Century Park East in Century City.

"Oliver Campbell is a very successful portfolio manager who is committed to First Republic's unique brand of client service," said Katherine August-deWilde , President and Chief Operating Officer of First Republic Bank. "Oliver is part of our growing team in Century City offering comprehensive investment solutions, including the option of working with a senior portfolio manager."

Prior to joining First Republic, Campbell worked for City National Asset Management for 10 years, most recently as Senior Vice President, Director of Equity Investments, and Portfolio Manager. Earlier in his career, Campbell worked for the Arizona State Retirement System and was an Adjunct Professor of Finance at American Graduate School of International Management. Campbell has a Bachelor of Science degree in Finance from University of Arizona and an MBA in Finance from The University of Chicago Booth School of Business. He has earned the Chartered Financial Analyst (CFA) designation.

Most likely, your 529 plan and equity in your home are still down, but tuition keeps rising. Still, there's money out there for students who need help with college financing. Here are 12 tips to help you attend school for less in 2012.

Go to college despite the job market

The year 2011 provided several arguments to skip college -- high unemployment rates, tuition hikes and a harsh job market for grads. Go anyway.

"The jobs that are growing, the industries that are growing and the markets that are going to be available to students are those that require higher education ," says Brittania Morey, spokeswoman for the Iowa College Access Network. "Students who are choosing to go to college are preparing themselves for the work world of tomorrow."

According to a 2010 report by Georgetown University, 63% of jobs offered by 2018 will require postsecondary education. Morey says students can cut college costs by searching for scholarships early and investigating awards in their community.

Trading in the Forex market can translate into significant profits, but those profits won't come if you don't learn the markets first. Fortunately, you can start out with a demo account and get lots of practice. To make the most of your demo account, this article offers some tips to maximize your learning experience.

You will develop the skill to know the best time to sell or buy by the use of the exchange market signals. Your software should be able to be personalized to work with your trading. Have your entrance and exit strategies already in place before you make the trade.

You should figure out what sort of trading time frame suits you best early on in your Forex experience. Use time charts to figure out how to get in and out in just a few hours. A scalper moves quickly and uses charts that update every 5-10 minutes.

Stick to your set goals. When you launch your Forex investment career, determine what you hope to achieve and pick a time frame for doing so. Give yourself some room for mistakes, especially in the beginning as you are learning. You should also figure out how much time you can devote to trading, including the necessary research needed.

Take advantage of four-hour and daily charts for the Forex market. You can track the Forex market down to every fifteen minutes! Shorter cycles like these have wide fluctuations due to randomness. It's better to follow long term cycles to protect your emotions against short-term ups-and-downs.

Thousands of college students may soon feel a financial pinch and another 100,000 may not be able to complete degrees after Congress pushed ahead with changes to federal student aid, education experts said.

Congress on Saturday passed a budget to fund the federal government over the next nine months. And the budget makes some big changes to certain federal student loan programs.

The good news for students is the budget sets maximum level of the popular Pell Grant awards at $5,550 -- the highest it has ever been -- for the most financially-strapped students heading to college in fall 2012. (Calculator: How much will that college really cost?)

But to bridge a billion-dollar gap in the Pell Grant program, Congress is making it tougher for some students to be eligible for federal financial aid.

The two most important changes: A reduction in the number of years students can receive Pell Grant money and the temporary elimination of a six-month grace period on interest payments on federal student loans.

CreditDonkey.com identifies top three airline credit card promotions.

Los Angeles, CA (PRWEB) January 05, 2012

The right airline credit card depends on the traveler's travel needs and airline affinity. CreditDonkey.com compared generous rewards, low interest rates, low fees and helpful benefits to determine the best airline credit card deals .

Plus, all CreditDonkey.com airline credit card deals include lucrative introductory bonus offers.

"Historically, consumer enthusiasm for airline credit cards enjoy a January bump as airlines tend to start promoting discount fares for travel during the next few months," said Charles Tran , founder of CreditDonkey.com. "Getting a card that offers frequent flyer points on top of discounted fares can be a marvelous deal, as long as people maximize the card's benefits and minimize their drawbacks."