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Crossing Lines
It is not unusual to find that people who are foggy about their money also display a lack of healthy boundaries in other areas of their life, not just with money, but with people, their time, and their energy.
Emotional and self awareness, self respect, honest communication ... Views: 828
The website Energy Star estimates that the average home spends approximately $2,200 on energy bills each year. Residential electricity use by consumer electronic products accounts for around 15 % of your household electrical usage. Even when you’re VCR or DVD player, computer or printers and ... Views: 1252
According to a recent study by Professor Eva Munster at the University of Mainz in Germany there definitely is a correlation between how overweight we are and our bank net worth, (our assets less our debts). Professor Munster studied over 9000 individuals and found that their financial health ... Views: 1657
A recent study showed that nearly 60 per cent of North Americans live paycheck to paycheck and should that money be delayed for any reason, these individuals would have serious challenges paying their bills on time.
The first step in changing this behavior is to understand how much money is ... Views: 1436
Financial Planning is a somewhat misunderstood subject. Many people feel that financial planning is a large complex process that costs a lot of money.
The truth is that financial planning is any planning you do to grow or conserve your wealth. This can be anything from a decision to save, ... Views: 1209
How would you rate your communication skills with money?
Have you ever had a conversation with it?
Try it.
Place a bill in front of you.
Ask of it, "How well have I taken care of you?"
What do you hear back?
As odd as it may sound, you will be surprised at how emotional an experience ... Views: 706
Articles on family money management advice usually dispense information about spending, saving, and investing. But there is another part of money management in families that is important and that is lending and borrowing.
If you have ever loaned money to a family member and they failed to ... Views: 1868
As we all feel the pinch of these economic times here are a few tips for making the most of the dollars we spend everyday.
Clip Coupons on and off-line. – Most of us have access to the internet but for those of us who still prefer the hardcopy newspaper this is a tip which will work for all ... Views: 1695
Being financially literate is like planning a trip to drop off a book to a new acquaintance in the next city. If we do not know where our house is on the map in relation to where the acquaintance’s house is on the map, how will we be able to navigate to our new friend’s house to drop off the ... Views: 1607
So the Christmas season is upon us and we are in the mood for giving but with these economic times how can we give to others without creating a financial burden for ourselves? It is so easy to get caught up in the season and go impulse buying. The following tips are sure to help curve your ... Views: 1231
Accounting, as you know is an indispensable function of a business organization. It is mandatory to keep your accounts in check and recorded neatly so as to keep track of your company’s growth and fall. However, the problem lays in the boredom the job of accounting gives owing to which ... Views: 798
An area that needs to be examined while you are going through the divorce process is determining the tax filing status that will be the most advantageous to you. During the pre-divorce year(s), you have a couple of options that can increase or reduce your tax liability depending on which filing ... Views: 1722
Combat the continuous increase of energy bills. Energy prices today are soaring that's why people need to take the initiative of maximizing what renewable energy sources are available today to combat the continuous increase of energy bills.
Man's over dependence on fossil fuels has brought ... Views: 825
Do you know how it feels like working whole day long in filling bookkeeping entries and checking and re-checking them for any errors that might have been left due to negligence? It feels like being drudged into slavery, a suicide for the sake of eking out life. Owing to this reason, nowadays ... Views: 755
Let’s turn off CNN (Constantly Negative News), take a deep breath and take stock. All this talk about the economy has me thinking about a self-sabotaging symptom I see too often, particularly in those who suffer from Underearning, Debting or being in a Money Fog. The “Rescue Fantasy”.
Tucked ... Views: 2512
“If you are doing things to make you happy then you’ re doing things backwards……”
When I ask clients what their goals in life are, the reply is never, “$1,000,000? or any sum of money, but a list of tangible things that give certain feelings they want to have; a house on the ocean, to put ... Views: 836
by: Geoff Ficke
William Shakespeare” famous quote from Hamlet, “When sorrows come, they come not single spies, but in battalions”, is particularly relevant today.
All of the news seems bad. The negative numbers are huge. The human devastation seems interminable. Governments everywhere seem ... Views: 1177
by: Geoff Ficke
One of the signal economic thinkers of the 20th century was the Nobel Prize winning economist Milton Friedman. His many books and papers, interviews and television specials have left us a valuable trove of thoughts and observations that should serve as guideposts during our ... Views: 1079
Currently, the best way to send money overseas is to do a wireless transfer of the money. In this case,the person sending the money requests the bank to do a direct transfer of money to another person’s bank account in overseas. This is called wireless transfer. The Banks might do this transfer ... Views: 2499
Making people understand subjects not taught in school is difficult... and therefore so well worth it! How to create passive income is one such subject.
Research by various noted gurus establishes that all people can be categorized in four personality types.
1. The Sales personality, which ... Views: 1275
What is Alimony?
Alimony is also often called spousal support. Alimony payments are used to provide the spouse that is making a lower-income with funds to cover expenses that are not provided for through child support or through the division of property. Many factors come into play when ... Views: 1593
Hi there everyone!!
Once upon a time, before there was any money, individuals in small communities would exchange products and services with each other.
To have a standard unit of measurement that was generally accepted by all, things like shells, cocoa beans, feathers, or even pretty ... Views: 4413
Do you know why we use any sort of currency today (money, credit, barter, I mean any form of currency)?
We have to? Why? To eat, and get the things we need for life. We use currency to keep track of all of that exchange.
But, why? Why do we need to keep track of all of that ... Views: 3829
Sick of paying more and more for electricity and energy. With the ever increasing costs of living, there is no better time than right now to stop throwing money out the window and start generating your own electricity. The best choices when it comes to home power are solar and wind power. These ... Views: 1115
A requisite to the funding process at Lauton Funding is also essential to business in general. Your business plan is a pivotal component of your undertaking and is necessary, not only for putting together a profitable business but, as your company evolves, to help you benchmark the achievement ... Views: 706
Commercial funding is crucial for any business, big or small. In these times of global recession it is especially important for business owners to be cautious about the way they approach lenders and/or investors for commercial funding. While it’s easy to find articles and posts on how to be ... Views: 807
Let’s finish up our mini-series on what you need to avoid doing if you want to be successful in getting the funding you need for your business or project. The last time we were here, we looked into the fatal mistakes the Big Three of the auto industry made and the valuable lessons they taught ... Views: 852
You could have a great idea for a new startup. You may be planning to buy into a business with a great profit potential. You may have an established business that requires additional funds to take it to the next level or a sensational project that you could get off the ground if you just had ... Views: 1814
In Part I, we discussed those components that are found in great funding packages.
We covered the key features of the Business Plan, Executive Summary, Proforma and the Resumes of Principals. We also discussed how to make them stronger and more compelling to investors.
Today we will conclude ... Views: 2141
This is a particularly difficult time for teens whose families have been hit hard by economic changes. Why especially hard for teens? This is a time when teens want to break away from their families and turn towards their peers. But if the family is in crisis, it becomes very hard to break away ... Views: 988
One of the situations that we see in many family situations is where one spouse is the primary caretaker of the financial obligations for the family. That person may have been in charge of paying the bills, setting up the investment accounts, making investment decisions (stocks, bonds, real ... Views: 1224
In today's crucial economic times, every one is working hard than ever to improve their credit scores. If you want to apply for a loan, a free annual credit report is an inventory that outlines all your repayment activities, shows the number of debts you have and the rates you are paying on the ... Views: 904
Well then, it’s time to amend your tax return!
We try to prepare your tax returns correctly - the first time! Once in a while, an error occurs. For instance, sometimes a 1099 shows up in September after your return is filed. Here’s what you can do: Avenge with an Amend
In most cases, the ... Views: 968
You're saving for your retirement, right? You're feeling pleased with yourself as you're putting away a good chunk of money every month in your 401(k). But are you really getting what you think you're getting? Here is an ugly truth that your employer -- or your 401(k) administrator won't tell ... Views: 877
Are most of your savings in an IRA? And are those savings invested mostly in mutual funds? Read on to discover why this is not necessarily the best way to make your money grow -- or even to keep it safe. Instead, read on for a simple technique that will give you far better results than you're ... Views: 814
Would you like a better return on your investments? Whether you have an IRA or a brokerage account, chances are that your money is mostly in mutual funds. Read on to learn more about why this is not the best place for it to be, and what to do instead.
First of all, you should know that this ... Views: 889
I’ve been interested by the week’s news that the British House of Commons has been in a state of uproar. The Speaker has been forced to resign (the first occasion for over 300 years) as a result of a furore about Members of Parliament padding their expenses.
What possible significance could ... Views: 666
I feel it is very important to teach children about financial matters. One reason that parents do not teach their children about money, is because they are not sure they know how to handle money either. It is one of the things that is not always taught in school. We earn degrees in order to ... Views: 2086
No More Company Lunches for You, Mr. Small Business Owner!
Thinking about taking your clients out for a business lunch or hiring some new employees? Are you ready to expand your small business? Well, because of the new crackdown on credit limits, if you’re a small business owner - think ... Views: 849
Many people think a set of financial projections is a business plan. Wrong. Experienced business people know that no matter how honest and forthright your financial projection is, it cannot present the full picture. To achieve credibility for your financial projections, be prepared to ... Views: 1338
Although a great deal has been written regarding financial freedom and independence, it seems people find it difficult to fully comprehend the true meaning. Typically people connect wealth with riches and fundamentally assume financial freedom dictates possessing money able to purchase anything ... Views: 784
As your teachers told you, the three R's—reading, writing and 'rithmetic—are fundamental to learning.
Now that you're out of the classroom and in the work world, you still use the three R's every day. But how are you dealing with the clashes they can cause—especially when everyone's skill ... Views: 989
With all the conferences on real estate investing out there, how do you measure quality to be sure you’ll get the most for your time and money?
Answer: look closely at the panel of speakers the conference organizer is able to recruit. Larry Goins is a highly successful real estate ... Views: 1132
Question:
I just acquired my first credit card and I had a question that hopefully you can give me some insight on. How do I go about registering my credit card so that when I order something online, instead of paying my payments via mail, money will be taken out of my account? Would I even be ... Views: 1667
People literacy is knowing how to read and understand the behavioral style differences of others.
Every Manager has experienced the frustration of not understanding why one management approach that works beautifully with one employee is ineffective with another. That’s because what we ... Views: 1247