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Will You Add? - Why Interest Rates Do What They Do
So you have spent hours and hours writing, shaping and crafting your media message. You've worked on setting your objectives, identifying your target audience and working out how to reach them. Your release is well structured and packaged, leaving just writing the head-line remaining.Unfortunately with little time remaining you hastily put together the headline and send out the release but fail to hear from any interested journalists.Why? A poorly written headline will fail to attract the attention of a reporter, journalist or editor.Let me give you an example."Triple Bottom-line Community Net Benefit Decision Time for Sustainable Economic Development Decisions Needed Says Economist"This is an actual headline on a media relea
Too many franchise business owners focus on one aspect to the exclusion of all others, and that is in buying local ads as the only way to generate new business. It's not that you shouldn't buy local ads if you want to reach a local market, but before you buy any advertising, you should be clear on what you're trying to accomplish. And that should be clearly spelled out in your overall marketing plan.Let's consider for a moment your Business Plan. What have you planed to accomplish this year? What does your Marketing Plan, which has been carefully thought out and costed, call for? Does it have a 20% growth in revenue with a similar growth in profits? If it does then you'll need more sales and so you'll need to attract new customers or get additiona
You need to borrow and your lender gives you a choice between a fixed rate and a variable rate loan. Which do you choose? Or, you have excess funds that you don't need for a while. Do you buy a fixed rate government note, or put the money in your business' money market fund? This should simplify things for you and give you what you need - without firing two shots and thinking that, on average, you hit the mark.
When you finish reading this in ten minutes, or so, you're not going to be an interest rate guru. Leave that to the economists, the bankers and the other self-proclaimed experts who try to make a living predicting what interest rates will do next. But, you will have enough of an understanding to directionally forecast where interest rates are likely to be headed, why, how your small business might be affected, and what you should be doing to protect your company.
A lot of the confusion and mystery about interest rates stems from inaccurate and sometimes misleading statements in the press - because too many financial writers don't know much more about interest rates than you do. They tell us that "rates" are moving higher - well, which rates? They tell us that the President, or congress, or the Federal Reserve Chairman is "responsible" for rates going up. They say that the Federal Reserve is trying to push "mortgage rates" higher. They imply that banks are "gouging" customers with high loan rates and are "miserly" with the rates they pay on deposits. So, let's try to get enough things straight to take the mystery out of this.
Stop thinking about what "rates" are, where "rates" are heading, and how "rates" are going to affect your business. There are not "rates" - there are short term rates (i.e. less than one year) and long term rates (you guessed it - more than one year) and it's important to differentiate between the two. Think about the interest rates on government securities; you can buy them with maturities that range anywhere from a few days to almost thirty years. The important things to understand are t
Preparation is the magic ingredient to all successful negotiations. When negotiating, you have to be prepared for anything. You need to know the ins and outs, the intricacies of both sides. The more you prepare, the more knowledge you have, and the better you will do. Skills, techniques and personality will never replace the concrete knowledge that can and will only be gleaned by doing your research and homework before the negotiation process begins. The bottom line is that the negotiator with the most knowledge is the most prepared, and that is the type of negotiator who will succeed. The bottom line is, your negotiation success is determined by your preparation. Before the negotiation begins, you
When you finish reading this in ten minutes, or so, you're not going to be an interest rate guru. Leave that to the economists, the bankers and the other self-proclaimed experts who try to make a living predicting what interest rates will do next. But, you will have enough of an understanding to directionally forecast where interest rates are likely to be headed, why, how your small business might be affected, and what you should be doing to protect your company.
A lot of the confusion and mystery about interest rates stems from inaccurate and sometimes misleading statements in the press - because too many financial writers don't know much more about interest rates than you do. They tell us that "rates" are moving higher - well, which rates? They tell us that the President, or congress, or the Federal Reserve Chairman is "responsible" for rates going up. They say that the Federal Reserve is trying to push "mortgage rates" higher. They imply that banks are "gouging" customers with high loan rates and are "miserly" with the rates they pay on deposits. So, let's try to get enough things straight to take the mystery out of this.
Stop thinking about what "rates" are, where "rates" are heading, and how "rates" are going to affect your business. There are not "rates" - there are short term rates (i.e. less than one year) and long term rates (you guessed it - more than one year) and it's important to differentiate between the two. Think about the interest rates on government securities; you can buy them with maturities that range anywhere from a few days to almost thirty years. The important things to understand are
Finding a recruiter that best matches your personality, professional needs, and profile can be difficult under the best of circumstances. The best time to find one is while you are employed. Locating one at this time allows you to be more particular. Building a relationship with your recruiter will take time and effort so it’s important to find the right person from the beginning. You might need to contact several recruiters before you find a good match. It is important to be discreet at this point. You don't want the word to get out that you are "looking" or to be contacted by recruiters on the prowl for new clients.It's never too early to cultivate a recruiter relationship. Keep in mind that this process can be challenging when you are a new professio
A lot of the confusion and mystery about interest rates stems from inaccurate and sometimes misleading statements in the press - because too many financial writers don't know much more about interest rates than you do. They tell us that "rates" are moving higher - well, which rates? They tell us that the President, or congress, or the Federal Reserve Chairman is "responsible" for rates going up. They say that the Federal Reserve is trying to push "mortgage rates" higher. They imply that banks are "gouging" customers with high loan rates and are "miserly" with the rates they pay on deposits. So, let's try to get enough things straight to take the mystery out of this.
Stop thinking about what "rates" are, where "rates" are heading, and how "rates" are going to affect your business. There are not "rates" - there are short term rates (i.e. less than one year) and long term rates (you guessed it - more than one year) and it's important to differentiate between the two. Think about the interest rates on government securities; you can buy them with maturities that range anywhere from a few days to almost thirty years. The important things to understand are
Your work place is getting boring and you have a boss not quite from hell, but close. Your co-workers are ready and waiting to stab you in the back to get ahead. You know this is not where you want to be, so why stick with it? Are you ready for the challenge that will truly get you your dream job? Many are, and it's not the most difficult thing to do.Life isn't about a routine of day in, day out in some job you didn't really want. It's awful to feel stuck, when you realize you've still got the rest of your working life to come. Life is about living and feeling alive, so make some changes and realize your full potential! No one is forcing you to stay in a job you hate and no one is holding you back from your dreams – except yourself, that is.And t
Stop thinking about what "rates" are, where "rates" are heading, and how "rates" are going to affect your business. There are not "rates" - there are short term rates (i.e. less than one year) and long term rates (you guessed it - more than one year) and it's important to differentiate between the two. Think about the interest rates on government securities; you can buy them with maturities that range anywhere from a few days to almost thirty years. The important things to understand are
Let's play, when I ask "What is your definition for marketing?" what will you answer? I think that you will say that marketing is selling a product or group of products to a particular customer or group of customers. What if I say that your definition for marketing is not precise? Will you think that I'm crazy?People always perceive that marketing is a synonym of selling. It is not actually. Selling is only a part of the intricate marketing processes that a marketer should go through. Marketing starts in analyzing the situation of a particular market through research, the effect of these situations in a business, the probable products, prospects and marketing channels and their evaluation, and the control and imp
The level of short term rates is primarily a function of what the Federal Reserve - the country's central bank - wants them to be. The Fed controls short term rates by reviewing and setting the Fed Funds rate every few weeks. The Fed Funds rate is the rate at which U.S. banks lend to each other, when some banks have excess funds and others need to borrow them to balance their books at the end of each day. (These "loans" between large banks usually expire the next day and have to be renegotiated.) So, the Fed Funds rate is what the Fed says it is; they set the rate where they want it to be and change it by whatever amount they want.
Then the level of the Fed Funds rate influences all other short term rates, from Treasury Bills, to Money Market Funds, to short term bank deposits, to everything else. All other short term rates are set by the markets, but if they start to move very far away from where they should be, arbitragers come into the picture to drive them back into line. The bottom line - and the one thing to watch - is the Fed Funds Rate; nothing else matters, as far as short term interest rates are concerned.
Long term rates, on the other hand, are not directly influenced by the Federal Reserve and are much more dependent on supply and demand factors and the overall direction of the financial markets. Supply and demand can, and often does, extend across financial markets. For example, if investment in the stock market is weak, those funds need to go somewhere and may end up in the bond market; this means that demand for bonds increases and this can push long term rates
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