Quotes of the Day

The most effective way to work is to focus or concentrate on one task at a time. [2009] - Liz Miller

Protect your company and employees from cheap customers-the customers who want more than they pay for, the customers who want something for nothing. I make it a point to fire cheap customers-politely and discreetly. [2005] - Robert T. Kiyosaki

Rules for profile photo perfection: 1) Two or three close-ups (a simple smile will work best on less quirky sites); 2) One to two action shots (action shots are great conversation starters); 3) One to two full-length pictures (flaunt what you've got with flattering, form-fitting clothes); 4) Represent the real-time you (avoid uploading photos that are more than two years old); 5) Cropping makes you clickable (e.g. cropping a photo closely to one side of your face will remove symmetry to give the image a more casual look). [2013] - Laurie Davis

If you are going to leave message, you have to be able to give enough value or reason to get your voice mail returned. [2005] - Jeffrey Gitomer

There are a few banks out there that offer PLCs (personal line of credit) you may choose to avoid. Here's what to watch out for: a. The bank requires a minimum monthly payment on a secured PLC, made up of a combination of the interest and some principal. A common amount for these payments is 3% of the outstanding balance (as opposed to interest only, which is usually less than 1% per month) . b. The PLC has an annual or monthly fee. c. The bank makes you re-apply for the PLC or package service each year. d. The bank places the PLC interest rate on their "personal loan base rate" (or some other fancy name) which is 0.5% or more above prime. You may think you're getting a prime plus 2% rate, when in fact you're being charged prime plus 2.5%, or even more. [2009] - Don R. Campbell