Consider insurance costs

The focus is on operational experience in situations where they will make real-time decisions in a relatively high-stress environment. To gain this experience, people tend to go to the Antarctic or do wilderness rescue. They may also get their private pilot's license. Teamwork an...

• Myth - I don't need to budget: A budget focus on identifying all the expenses that are likely to occur during the month, quarter, and year. A budget can identify costs that could be reduced or cut.
• Myth - I'm not good at math: Budgeting software on...

If your product costs more to produce than it does for the retailer to sell, then there’s no point trying to get it into stores. Retailers want at least two or three times markup on the wholesale price that they will pay for your items, so you need to work out how much this is an...