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The Value of Discretionary Effort

Author: Bill Catlette & Richard Hadden
Dec, 2008 Issue

There’s an old Chinese curse that says, “May your children live in interesting times.” Is it panic time? Has the world changed? Is this a new paradigm? I won’t pretend I can predict how this economic downturn will stack up against ones we’ve seen before. But I do have a few observations.

First, markets are, certainly, erratic—but they’re working. I believe they’re always moving toward equilibrium. For that to occur, prices have to be set, securities must be bought and sold, and trades clear. All that is happening pretty smoothly around the world, despite the anguish sellers are suffering with sharply lower prices. Markets often don’t get pricing right in the short run.


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Success Includes Enterprise Resource Planning

Columnist: Michael Strand
Nov, 2008 Issue

Businesses are similar to wealthy individuals in this respect. Financial well-being doesn’t just happen by itself, and companies will quickly lose competitive ground without a way to efficiently capture financial data and make smart business decisions. Consequently, many leading businesses choose enterprise resource planning (ERP) software solutions for strategic fiscal help. ERP technology provides a comprehensive overview of a company’s financial operations, saving businesses time and money while also providing department heads with critical data.


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The Truth about Reverse Mortgages

Columnist: Jill Gromm
Nov, 2008 Issue

For seniors who own their own homes and wish to continue living in their own place, reverse mortgages are a safe, powerful option. Through stock market dips, health care cost increases, or even if the cost of living is more than expected, a reverse mortgage can ensure the golden years are indeed golden.


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Build Your Brand

Author: Paul Wagner
Special Wine Issue, Oct, 2008

The United States is soon to become the largest wine market in the world, so it would seem this is a good time to be in wine marketing. The quality of wine in the bottle has never been higher, the selection of wines has never been greater, and our per capita consumption has grown quite appreciably in the last few years. It’s the best of times. And yet…


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