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      <title>7 Habits of Highly Successful Small Business Owners</title>
      <link>7-Habits-of-Highly-Successful-Small-Business-Owners.php</link>
      <description> 
  Do you spend every waking minute in your business? Do you find it difficult to take time out for you? Are you constantly working in a mess? 
  Unfortunately there are far too many business owners working too long and too hard. They tend to be...</description>
    </item>
    <item>
      <title>Bankers in Denial</title>
      <link>Bankers-in-Denial.php</link>
      <description> 
  Denial is a ubiquitous psychological defense mechanism. It involves the repression of bad news, unpleasant information, and anxiety-inducing experiences. Judging by the German press, the country is in a state of denial regarding the waning...</description>
    </item>
    <item>
      <title>Begging Your Trust in Africa</title>
      <link>Begging-Your-Trust-in-Africa.php</link>
      <description> 
  The syntax is tortured, the grammar mutilated, but the message - sent by snail mail, telex, fax, or e-mail - is coherent: an African bigwig or his heirs wish to transfer funds amassed in years of graft and venality to a safe bank account in the...</description>
    </item>
    <item>
      <title>Budgeting For Prosperity</title>
      <link>Budgeting-For-Prosperity.php</link>
      <description> 
  Budgeting For Prosperity 
  Seven Steps to Follow To Achieve Financial Freedom 
  Without a sound financial plan, a business is doomed to failure - managing your personal finances is no different. A sound personal financial plan is crucial to...</description>
    </item>
    <item>
      <title>Conditions Are Right For Buying The Higher Priced Home YouVe Always Wanted</title>
      <link>Conditions-Are-Right-For-Buying-The-Higher-Priced-Home-YouVe-Always-Wanted.php</link>
      <description> 
  Higher interest rates and home prices in the past have kept home owners from purchasing larger homes.  The current real estate market conditions, however, are encouraging for many home owners who want to &#8220;buy up&#8221; to higher priced homes with more...</description>
    </item>
    <item>
      <title>Corruption and Transparency</title>
      <link>Corruption-and-Transparency.php</link>
      <description> 
  I. The Facts 
  Just days before a much-awaited donor conference, the influential International Crisis Group (ICG) recommended to place all funds pledged to Macedonia under the oversight of a "corruption advisor" appointed by the European...</description>
    </item>
    <item>
      <title>Credit Card Shocker</title>
      <link>Credit-Card-Shocker.php</link>
      <description> 
  Have you ever looked at your credit card statement?  I&#8217;m not talking about just making sure that all the transactions are correct.  I&#8217;m talking about looking at the finance charges. I daresay that sometimes that figure is almost as great as the...</description>
    </item>
    <item>
      <title>Do You Have an Exclusive Market Segment</title>
      <link>Do-You-Have-an-Exclusive-Market-Segment.php</link>
      <description> 
  You do if you&#8217;re a business, non-profit or association manager with important external stakeholders whose behaviors affect your department, division or subsidiary the most.  
  In your own best interests, here&#8217;s what you&#8217;d better be doing about...</description>
    </item>
    <item>
      <title>Driving To Savings Car Tips To Save You Money</title>
      <link>Driving-To-Savings-Car-Tips-To-Save-You-Money.php</link>
      <description> 
  Although the most interesting method to save on car operating costs came from my chemistry teacher in high school (Buy your gasoline in the early morning or at night when it is cold outside. Gas becomes denser in cooler temperatures. Since gas...</description>
    </item>
    <item>
      <title>Economics Psychologys Neglected Branch</title>
      <link>Economics-Psychologys-Neglected-Branch.php</link>
      <description> 
  "It is impossible to describe any human action if one does not refer to the meaning the actor sees in the stimulus as well as in the end his response is aiming at." 
  Ludwig von Mises 
  Economics - to the great dismay of economists - is merely...</description>
    </item>
    <item>
      <title>Expect Success to Stay Self Motivated and Get Great Results</title>
      <link>Expect-Success-to-Stay-Self-Motivated-and-Get-Great-Results.php</link>
      <description> 
  If you called my office you will hear my voice mail message that ends with the words &#8220;Expect Success.&#8221;  
  There&#8217;s a important intent behind that. What if every time we made a phone call or personal request or met with a potential new customer,...</description>
    </item>
    <item>
      <title>Forecasting and Surviving a Layoff or Downsizing</title>
      <link>Forecasting-and-Surviving-a-Layoff-or-Downsizing.php</link>
      <description>Dirty words for jobseekers include downsizing, acquisitions, mergers, closures, cutbacks, and layoffs.  No one wants to lose their job, especially with rising gas, utility, and cost-of-living prices.  Just the mention of proposed company changes has...</description>
    </item>
    <item>
      <title>Generating Publicity Will The Media Be Interested In My Product Business</title>
      <link>Generating-Publicity-Will-The-Media-Be-Interested-In-My-Product-Business.php</link>
      <description> 
  When it comes to launching a new business or product, some marketing consultants might say that EVERY product is appropriate for a publicity or media exposure campaign. That is true to a degree, but as a PR/publicity professional and former...</description>
    </item>
    <item>
      <title>Getting Your Employees Attention Back to Work</title>
      <link>Getting-Your-Employees-Attention-Back-to-Work.php</link>
      <description> 
  It is 9:00 am on a Monday morning. Do you know where your employees&#8217; attention is? Is it on work? 
  Picture this. You are at work. The phone rings. It is your aging father&#8217;s neighbor calling to say that Dad is walking around outside in his...</description>
    </item>
    <item>
      <title>How Do I Implement The Lease Purchase Plan</title>
      <link>How-Do-I-Implement-The-Lease-Purchase-Plan.php</link>
      <description> 
  Well, as we have discussed in previous newsletters first you have to set up goals for yourself, both long term and short term. Don&#8217;t forget these goals define how your business is run. They will determine what you do on a daily, weekly and...</description>
    </item>
    <item>
      <title>How To Find An Investment Advisor</title>
      <link>How-To-Find-An-Investment-Advisor.php</link>
      <description> 
  Do you think you need an Investment Advisor? Hold on before you answer because this is sort of a trick question. Also, I am definitely biased because I am an Investment Advisor. Nonetheless, I think I can assist you in looking at this issue in a...</description>
    </item>
    <item>
      <title>How To Have An Effortless Life</title>
      <link>How-To-Have-An-Effortless-Life.php</link>
      <description> 
  Isn't that an appealing title? How to Have an Effortless Life! Well guess what? The only time your life will be effortless is when you're buried six feet under. 
  It takes effort to get results, and not just any effort, it takes smart effort....</description>
    </item>
    <item>
      <title>How To Pick An IT Consultant</title>
      <link>How-To-Pick-An-IT-Consultant.php</link>
      <description> 
  At some point, most business are going to need to have some help from a IT consultant. Maybe your business is a small, without many IT resources. Maybe your company is larger, with a significant resources in IT already, and just needs a healthy...</description>
    </item>
    <item>
      <title>How To Realistically Set Your Fees Part 3</title>
      <link>How-To-Realistically-Set-Your-Fees-Part-3.php</link>
      <description> 
  Effect of Benefits 
  We have previously examined realistic billable hours and the effect of business expenses on your hourly rate. Now we'll look at the effect of benefits. 
  Once upon at time, when we were employed, we received a benefits...</description>
    </item>
    <item>
      <title>How to Tackle the Three Major Stresses Associated with Every Home Based Business</title>
      <link>How-to-Tackle-the-Three-Major-Stresses-Associated-with-Every-Home-Based-Business.php</link>
      <description> 
  Owning your own home-based business is by and large a very rewarding, exciting endeavor. You can set your own schedule, and be where you want, when you want. You can oftentimes forego the commute to a "regular job" and save money on gas and...</description>
    </item>
    <item>
      <title>How to write a Privacy Policy</title>
      <link>How-to-write-a-Privacy-Policy.php</link>
      <description> 
  A Privacy Policy can be defined as the policy under which a company or organization operating a web site handles the personal information collected about visitors to the site. For most of us consumers, privacy involves protecting our integrity...</description>
    </item>
    <item>
      <title>Imagine PR Like This Helping You</title>
      <link>Imagine-PR-Like-This-Helping-You.php</link>
      <description> 
  As the kids say, how cool is this?  
  You&#8217;re a business, non-profit or association manager and, finally, you decide to do something positive about the behaviors of those important outside audiences of yours &#8211; behaviors that MOST affect your...</description>
    </item>
    <item>
      <title>Inoculate Yourself Against Bad PR</title>
      <link>Inoculate-Yourself-Against-Bad-PR.php</link>
      <description> 
  What is bad PR?  
  Well, if you&#8217;re a business, non-profit or association manager, bad PR does nothing positive about the behaviors of those important outside audiences of yours that most affect your operation.  
  It fails to create external...</description>
    </item>
    <item>
      <title>Medical Bills Evaluating Your Personal Injury Insurance Claim</title>
      <link>Medical-Bills-Evaluating-Your-Personal-Injury-Insurance-Claim.php</link>
      <description> 
  The value of a personal injury claim has a direct relationship to the amount of your medical bills. Why? Because a claim with medical bills of $500.00 is worth three to five times more than a claim with $100.00, or less. And that&#8217;s a fact of...</description>
    </item>
    <item>
      <title>Motor Vehicle Accident Insurance Claim Guide</title>
      <link>Motor-Vehicle-Accident-Insurance-Claim-Guide.php</link>
      <description> 
  This is a FREE Insurance Claim Guide created especially for the readers of ARTICLECITY.COM as a 2004 "Gift",  
  Your &#8220;Motor Vehicle&#8221; can be a truck, car, motorcycle - - you name it! If it&#8217;s powered by a motor and has one, two, three, four (or...</description>
    </item>
    <item>
      <title>Narcissism in the Boardroom</title>
      <link>Narcissism-in-the-Boardroom.php</link>
      <description> 
  The perpetrators of the recent spate of financial frauds in the USA acted with callous disregard for both their employees and shareholders - not to mention other stakeholders. Psychologists have often remote-diagnosed them as "malignant,...</description>
    </item>
    <item>
      <title>OPECs Swan Song</title>
      <link>OPECs-Swan-Song.php</link>
      <description> 
  Indonesia's Energy Minister, Purnomo Yusgiantoro, is unhappy with the modest production cut, from June 1, of 2 million barrels per day, adopted by the Organization of Petroleum Exporting Countries last week. He intends to demand further...</description>
    </item>
    <item>
      <title>Phone Interviews Prepare to Ace Them</title>
      <link>Phone-Interviews-Prepare-to-Ace-Them.php</link>
      <description> 
  More companies are saving time and effort by doing initial telephone interviews before committing themselves to hours of time assessing and evaluating applicants. They are doing this because, frankly, it's a good way to save a team's time from...</description>
    </item>
    <item>
      <title>PR Your 500 Pound Gorilla</title>
      <link>PR-Your-500-Pound-Gorilla.php</link>
      <description> 
  What else, for goodness sake, could you as a business, non-profit or association manager, call a heavy-duty helper who does something REALLY positive about the behaviors of those outside audiences of yours that most affect your organization?  
 ...</description>
    </item>
    <item>
      <title>Principles for Total Prosperity In Business And Beyond</title>
      <link>Principles-for-Total-Prosperity-In-Business-And-Beyond.php</link>
      <description> 
  Are you looking for that &#8220;something&#8221; to give you the winning edge in your business? Is success still elusive even after burning both ends of the candle? Well, you may be looking for success in al the wrong places or you may not have an accurate...</description>
    </item>
    <item>
      <title>Should you choose to refinance</title>
      <link>Should-you-choose-to-refinance.php</link>
      <description> 
  Refinancing has become a valid option for many individuals with high interest rates on their mortgage. Refinancing is essentially a replacement loan, with a different lender and (hopefully) a lower interest rate. 
  So why would you choose to...</description>
    </item>
    <item>
      <title>Small Business Tax Deductions for Year End 2004</title>
      <link>Small-Business-Tax-Deductions-for-Year-End-2004.php</link>
      <description> 
  As a small business owner, it's wise to familiarize yourself with some key deductions that may reduce your tax bill for 2004.  
  Employee Benefit Plans - You may deduct contributions to employee benefit plans (such as health insurance plans and...</description>
    </item>
    <item>
      <title>So You Want to be a Freelancer Heres How</title>
      <link>So-You-Want-to-be-a-Freelancer-Heres-How.php</link>
      <description>Not that long ago, freelancing was something people did mainly in larger metropolitan areas where work for writers, artists, and other creative types was plentiful and easily accessible. Today, however, the freelance landscape has dramatically...</description>
    </item>
    <item>
      <title>Success Tips for Small Business Owners</title>
      <link>Success-Tips-for-Small-Business-Owners.php</link>
      <description> 
  Running a small business requires many skills. However, to do this successfully you need to organize yourself first. Avoid procrastination - read the following and take action. 
  Successful Small Business Owners Look After Themselves First 
 ...</description>
    </item>
    <item>
      <title>Ten Ways Your Chamber of Commerce Can Help Your Crafts Business Grow</title>
      <link>Ten-Ways-Your-Chamber-of-Commerce-Can-Help-Your-Crafts-Business-Grow.php</link>
      <description>Joining your area's Chamber of Commerce can be a smart move for your jewelry or craft business. Because businesses that participate in this group promote each other and work together, your own business can grow and prosper quickly. Here are just a...</description>
    </item>
    <item>
      <title>The Ecology of Environmentalism</title>
      <link>The-Ecology-of-Environmentalism.php</link>
      <description> 
  The concept of "nature" is a romantic invention. It was spun by the likes of Jean-Jacques Rousseau in the 18th century as a confabulated utopian contrast to the dystopia of urbanization and materialism. The traces of this dewy-eyed conception of...</description>
    </item>
    <item>
      <title>The Morality of Child Labor</title>
      <link>The-Morality-of-Child-Labor.php</link>
      <description> 
  From the comfort of their plush offices and five to six figure salaries, self-appointed NGO's often denounce child labor as their employees rush from one five star hotel to another, $3000 subnotebooks and PDA's in hand. The hairsplitting...</description>
    </item>
    <item>
      <title>The Motor Vehicle Accident Whiplash Type Injury As Of 2004</title>
      <link>The-Motor-Vehicle-Accident-Whiplash-Type-Injury-As-Of-2004.php</link>
      <description>  The &#8220;Bottom Line&#8221; regarding &#8220;Whiplash Crash Facts&#8221; (accumulated during 2004 - - and including all the previous years) are as follows:   THERE ARE EIGHT SERIOUS AND ABSOLUTE FACTS IMPACTING AND REGARDING THAT WHICH IS TODAY IDENTIFIED AS A...</description>
    </item>
    <item>
      <title>The Narcissist in the Workplace</title>
      <link>The-Narcissist-in-the-Workplace.php</link>
      <description> 
  To a narcissist-employer, the members of his "staff" are Secondary Sources of Narcissistic Supply. Their role is to accumulate the supply (in human speak, remember events that support the grandiose self-image of the narcissist) and to regulate...</description>
    </item>
    <item>
      <title>The Self Appointed Altruists</title>
      <link>The-Self-Appointed-Altruists.php</link>
      <description> 
  Their arrival portends rising local prices and a culture shock. Many of them live in plush apartments, or five star hotels, drive SUV's, sport $3000 laptops and PDA's. They earn a two figure multiple of the local average wage. They are...</description>
    </item>
    <item>
      <title>The True Cost of a Speeding Ticket</title>
      <link>The-True-Cost-of-a-Speeding-Ticket.php</link>
      <description> 
  Have you noticed more autos on the side of the road with an officer issuing the driver a speeding ticket? Have you seen more trucks surrounded by DOT transport police? I sure have. There are several reasons for this increased activity. 
  One is...</description>
    </item>
    <item>
      <title>The Ultimate PR Scam</title>
      <link>The-Ultimate-PR-Scam.php</link>
      <description> 
  It happens to business, non-profit and association managers when their public relations budget fails to deliver the crucial external audience behaviors they need to achieve their department, division or subsidiary objectives. 
  Behaviors they...</description>
    </item>
    <item>
      <title>The Wages of Science</title>
      <link>The-Wages-of-Science.php</link>
      <description> 
  In the United States, Congress approved, last month, increases in the 2003 budgets of both the National Institutes of Health and National Science Foundation. America is not alone in - vainly - trying to compensate for imploding capital markets...</description>
    </item>
    <item>
      <title>The Wonders of Compound Interest</title>
      <link>The-Wonders-of-Compound-Interest.php</link>
      <description> 
  Albert Einstein called compound interest &#8220;the greatest invention of all time.&#8221;  It has even been referred to as the &#8220;Eighth Wonder of the World.&#8221;  The trick is to get this tremendous force working for you rather than against you. 
  Is compound...</description>
    </item>
    <item>
      <title>Time Management Tips for Managers</title>
      <link>Time-Management-Tips-for-Managers.php</link>
      <description> 
  Late last year I was presenting a workshop for the senior managers of a major organisation. Whilst doing a pre-workshop survey to assess the challenges these managers were experiencing it became very apparent to me that many of them were showing...</description>
    </item>
    <item>
      <title>Traffic Zoology</title>
      <link>Traffic-Zoology.php</link>
      <description> 
  There is a secret zoo that runs encaged along the roads. 
  They are liquid, semi-visible goliaths that rage through the streams and chunks of ordinary traffic, with the effervescent tendrils of mile-long tales whipping behind them like Chinese...</description>
    </item>
    <item>
      <title>Why All Managers Are Alike</title>
      <link>Why-All-Managers-Are-Alike.php</link>
      <description> 
  Because, like you I suspect, they have key target audiences whose behaviors help or hinder them in achieving their organizational objectives.  
  But even in their own best interests, too few involve themselves in their public relations effort...</description>
    </item>
    <item>
      <title>Working at Home Doesnt Have to Mean Feeling Alone</title>
      <link>Working-at-Home-Doesnt-Have-to-Mean-Feeling-Alone.php</link>
      <description>Operating a home-based business may let you set your own schedule, spend more time with your children, and earn more money but it does have its own set of challenges. One of those challenges can be a feeling of loneliness. 
 
Many home-based...</description>
    </item>
    <item>
      <title>Your Money Your Life or Your Seat Belt</title>
      <link>Your-Money-Your-Life-or-Your-Seat-Belt.php</link>
      <description> 
  A seat belt is one of those things in life that just doesn't make sense to about 40,000,000 people in the United States.  After all, freedom of choice is the Free World cornerstone and when it comes to our automobiles, we want to ride them any...</description>
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