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DEBT-TO-INCOME RATIO
A small business’s debt-to-income ratio (DIR) is most easily explained as the ratio of a borrower's total debt as a portion of their total gross income. This ratio, more commonly expressed as DIR or simply “debt ratio,” measures how much you can borrow based on your expenses in relation to your total monthly income. Lenders’ experience shows that you may borrow from 33% to 40% of your monthly income, on average.
Broken Teams Damage Your Business
A profitable business bottom line depends on effective teaming as much today as it ever did; yet, "effective teaming" may be destined to be no more than another irrelevant buzz phrase, because by and large teams are still dysfunctional and broken.

Other horror story Related Articles

telling stories the brand connection
Today, we're interested in stories, and not particularly interested in facts. Every story needs facts, of course, but they are secondary. The facts are there just to provide some ballast for the story. There are always so many facts that don't fit into the story, and insofar as they don't fit, depending on our commitment to the story, we have a tendency to disregard them. Every good story has some connection to the truth of our experience, but the story's the thing.

THREE RING DISASTER
A great sales horror story, visually funny, teaches a couple sales jokers a serious lesson.
Resist the Interpretation Addiction
Sometimes we adopt a story and unknowingly our emotions get swept up in it. And 99% of the time we don’t really question or inquire into the story we create. We treat our story as what actually happened. The problem, of course, is that the story influences, in part, the action you take in subsequent events. This article is about identifying the stories you may have created, working around them and managing them.

Converting Web Customers - Where's the Rub?
What if you owned a store and shoppers started disappearing before your eyes. For web marketers, it's not a scene from a bad horror movie, but a common reality. Potential web customers can opt out of the conversion process at the click of a button. Fortunately, there's a way to give the story a happy ending.
The Most Important PR Secret
What most entrepreneurs and companies don't understand is that often the main job of the PR firm is to find the right story. It's often not the obvious story that works, because that's the same angle that the competition will be pitching. Without the right story and tone, you have a weak campaign, at best. Finding the right story, that's what it all comes down to.
Make Your Story Add Value to Your Clients Bottom Line
The purpose of your story for a workplace audience is to improve the bottom line. Even in those employee appreciation programs where entertainment may seem the focus, there is an undeniable expectation of increased productivity after your story is heard. The question to ask yourself when using your story is: What is the point of the story and how does the story improve a client's bottom line?
HR Horrors Part Deux: Workers Comp
More HR horror stories... When it comes to workers comp, how proactive do you need to be?
Three Business Etiquette Tips You Absolutely Must Know In Network Marketing
It’s nothing new in this industry to find a few network marketers that STILL don’t understand the concept of value driven marketing. Allow me to explain! You see, my students and I have a very close relationship in which we share stories and events that happen in our lives, specifically if it relates to business. So as I was conducting one of my “Personal Coaching” trainings with one of my team members, he shared a very unique, but too often heard of horror story about business etiquette tips in network marketing.
Best Storytelling Tips for Marketing Presentations
What's the worst horror story you can imagine for a presenter giving a marketing presentation? A presenter who is in love with his or her own story! What's the best way to avoid falling in love with your own presentation style or story? Find out here with 3-must-have tips.
DON\'t reject seller financing when selling a business because of stupid reasons!
Many sellers of their businesses are refusing to seller finance their buyers from number of different reasons. And when asked why, one of the most common answers is: “I’ve heard all kinds of horror stories about seller financing”. And to be brutally honest, that reason is not only irrational, but it is simply stupid. Because horror stories are just that – stories. Have you ever heard the one about the traveling salesman who goes out to a bar for a nightcap and wakes up in his hotel room with scars on his lower back – and his kidney missing? Of course you have; everyone knows THIS particular horror story.

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