•After making the final payment on a debt, continue to pay yourself. Take the money normally used for the payment and place it in a savings account. You'll never feel the difference.

•Always include tailored cover letters with resumes. That is, make the employers feel that you want to work for them, and them alone. Never send blanket letters beginning with "To Whom It May Concern."

•When you have to wear a nametag at a business function, place it on your right lapel. That way when people shake your hand, they look directly at it.

•Use the telephone. Always call a day ahead to confirm appointments and get the direct number for the fastest response.