The costs of operations are the most significant aspect of almost any project or program. Materials, promotional efforts, labor and administration eat up budgets almost overnight. Along the chain from start to finish, the more hands that are connected to the funds, the more costs there are. Without
Earned income helps to pay for goods and services necessary to keep people living in safety, health and comfort. What is the course of action when income is not enough to pay for basic needs? Some people turn to family for extra financial support. That option is not always available. When a citizen
Fruits and vegetables are staples of a healthful diet. For convenience and variety, juices are a good way to enjoy the consumption of fruits and vegetables. When you hold a piece of fruit or vegetable in your hands, you can see what you are getting. However, in juices, it’s hard to be sure. There ar
It costs money to live comfortably. Luxury items are often prohibitively expensive. However, one of the greatest expenses that also comes with a degree of fear and pain is illness. Illness causes pain, but can also destroy a person’s financial stability. A personal illness or even an illness in the
Cash is only one facet of wealth. Property, art, precious metals and precious stones can have great financial value, as well. The worth of gem stones is often determined by what is done with them. A raw gem stone directly out of the ground has potential value, but if not cleaned and not cut, it’s va
Merchants are acutely aware of the profit margins of the items they are selling. They know how much they invested to obtain the items that they are selling and they know how much a buyer is willing to pay to own those items. That knowledge allows them to be somewhat flexible in regard to selling pri
Grocery stores and supermarkets have to consider expirations dates for the items they sell. When some of those items are getting close to expiring, the items might be relocated to a space in the market where consumers are notified that these items are available immediately at a reduced price. Usuall
When a business becomes successful, often owners consider branching out. When they have several successful shops, they might consider franchising. It’s valuable if the business name is popular and customers can be assured of equal quality in all branches. Then, an owner can allow some other business
The cost of running a business is no joke. A business owner is compelled to pay taxes, pay employees, pay for several types of business insurance, pay for employee insurance, pay for maintenance of equipment and facilities, pay for new equipment and materials and then pay themselves. That’s a lot. I
The legal system allows people to go to court seeking justice and hoping to receive a remedy to a problem. Most issues are best resolved between affected parties amicably and fairly. However, what is fair and right often is a matter of perspective. Often, an offending party doesn’t want to compensat
An organized home or office appreciates a well-kept account book. All income and all expenses must be accounted for. Accurate records of dates and amounts are essential. The source and amount of income might always be exactly the same, as in the case with the receipt of a regular salary. Make a reco
A fast way to destroy a good relationship is to borrow money. There are times when money is needed as soon as possible. Getting a loan from a bank is complicated and there’s no guarantee that they will approve a loan. When a friend or family member has money in the bank, it’s tempting to go to them
In a free-market society, consumers are permitted to demonstrate dissatisfaction with business. If any one person or a group of any size decides that a certain business is doing something wrong, they might want to boycott that business. To boycott is to punish a business by depriving them of your pa
Games played on personal mobile telephones are gigantic factors in the economy. It’s human nature to seek entertainment and distraction. The availability of thousands of games makes them an easy choice. Game makers face great competition. They invest massive amounts of money in technology developmen
You might make a purchase that later disappoints you. Perhaps the item doesn’t function well. Maybe the quality is poor and the item breaks. You might want fair compensation from the seller. They could refund your money, but some places won’t do that. You might have to settle for an exchange. That’s
In financing, there are hedge funds. Hedge funds are a method of investing money. Simply, to “hedge” is to try to protect, or to make something that is risky, somewhat less risky. Hedge funds are companies with an owner and all investors are limited partners. To protect money, a hedge fund spreads i
For civilized people, it is very hard to imagine that some manufacturers produce materials that can hurt consumers. Some unscrupulous people use harmful chemicals or designs that are unsafe. They are more interested in having a bigger profit margin than in the safety of other people, the environment
Fair earnings for a fair amount of work. That’s a rule that seems to make sense, but it doesn’t always work out that way. Perspective is important to consider. The party who pays the bills might look for ways to save money. One method is to get workers to invest more time and effort for no increase
Consumers often complain that the quality of products in current times is somehow less than it was “in the old days”. That’s true sometimes, but overall, our skills at manufacturing and our level of technology are very advanced. Manufacturers and retailers do not want to refund, return or replace. T
Working can make a person tired. Working morning until night for at least five days per week, year after year, it’s understandable that a person can become tired. You really do feel overworked. If work responsibilities continue to bring heavy pressure, something negative is going to happen. On top o