Archive for July, 2009

Control your credit…

Friday, July 31st, 2009

People who lose control of their credit card debt already have the perfect solution to getting control of their credit card debt. There is very little effort involved but a great deal of pain as they no doubt will tell you. The first rule is to buy ,beg or borrow a big pair of scissors.

It’s an old joke and no doubt you have heard it before but you really do need to get rid of the credit card itself first.

You can do this as the people jokingly suggest by taking that pair of scissors and cutting the card in half. Other people have placed their card in a plastic tub filled with water and buried the tub at the bottom of their deep freezer. That way the card is not destroyed but the urge to spend if stifled because of the effort involved in retrieving their card. Either method is fine just as long as the card is forgotten until you are back in control.

If you have disposed of the card only then you are you serious about the debt. Again and again .Article after article. All will tell you to work out a budget. There is one basic rule to follow and I hammer and hammer it all the time. You can’t budget until you learn to earn more than you spend.

Once you have mastered control of your spending then you can work on formulating a budget. The budget will reveal to you what surplus you have after expenses . From that surplus you can determine how much you can put towards your credit card debt. The biggest problem you will have is sticking to the budget.

This is where the real pain comes in and you have to learn the meaning of “no” all over again. Start with ” No, I won’t replace the card I cut up” or “No, I won’t risk frost bite and thaw out my card” Follow that with “No I won’t pay cash for that ” and “No,I won’t buy that item simply because I like it but don’t really need it” In no time at all you will be saying ” No ” in your sleep. Do explain to your partner if they hear you in bed saying “no” that you may not necessarily be resisting amorous intentions rather you are reinforcing your intentions to curb spending. I am sure they will understand.

So to sum up it is really very simple to get in control of your credit card debt. Give your card a well earned retirement or at least long service leave. Stick to a budget . Only pay cash for everything and lastly don’t spend money on things you don’t really need.

Even if you do decide to apply of a replacement card or retrieve the card from the deep freezer remember to stay in control once you are back in control. If not ,go back to square one again starting with the pair of scissors. Someday you’ll learn.

la vie en France

Wednesday, July 29th, 2009

Certaines personnes disent que la France a une des plus belle ville du monde, Paris. Paris est la destination principale de personnes dans le monde entier et mai certaines personnes ont un rêve de vivre en France, surtout à Paris. Si vous l’un d’eux, celui qui a un rêve de vivre en France et veulent y rester pour un long temps, parce que vous voulez travailler en France, vous avez la nécessité de se préparer à trouver des comparatif assurance vie, la maison et aussi une banque. Si vous n’avez pas de vue d’ensemble sur la façon dont la situation est en France, vous pouvez effectuer une recherche sur google.

Si vous cherchez la maison, vous pouvez trouver un bien vente immobilier luxe. Il existe de nombreux immeubles qui donnent la vente. Si vous êtes à la recherche d’une maison qui est réduit, vous pouvez mettre votre argent et l’utiliser pour d’autres choses. Aussi avant de vous déplacer en France, vous devez trouver des informations sur une banque locale. Vous devez savoir de quels documents avez-vous besoin d’ouvrir un compte bancaire là-bas. Pour trouver une banque locale, vous pouvez effectuer une recherche dans la banque en ligne sur Internet. Vous devez préparer tous les documents de votre pays d’origine lorsque vous vous déplacez, il sera facile.

Use more durable cleaning supplies

Tuesday, July 28th, 2009

Clean up you act! Your mother had it right: sponges, mops and old t-shirts are the best kind of cleaning supplies.

The popularity of single-use cleaning supplies is one toxic trend. Using throw-away wipes, dusters, mop-heads, paper towels and brushes for cleaning is energy intensive and downright wasteful. And flushing away extra solid waste expands the waste stream and puts huge unnecessary demands on the sewer system. Billions of non-biodegradable wipes and such enter our landfills and sewers each year.

Flimsy disposables don’t stand up well to tough jobs and this fact compounds their overuse and wastefulness. Technology has come a long way since your high school janitor’s dirty string mop. You can find tidy, easy, reusable implements at low prices – and the best part is, they’ll do a better cleaning job for you.

One-use cleaning supplies are a new trend, not a necessary one. Misconceptions about bacteria feed their popularity, but there’s no substitute for time-tested natural cleaners and sturdy cleaning implements for balancing our need to clean with our responsibility to care for the earth. See our tip for more information on natural cleaning.

Take Action / Next Steps

* Assemble a good set of cleaning tools that will last through many uses. Sponges, mops, nylon scrubbers, and old towels and the like work well.

* Bacteria grow in wet environments. Letting cleaning instruments dry between uses will keep bacteria in check.

* Clean your reusable rags often in one of three ways (listed from most to least effective):

A.Microwave a damp sponge for two minutes at full power. Doing so can kill 99% of living pathogens according to WebMD.

B.Wash in the dishwasher during a normal load if it has a booster heater that raises the water temperature to 160°F or above. This is sufficient to kill most bacteria including salmonella and E. coli.

C.Wash in the washing machine using laundry soaps containing natural disinfectants (e.g. vinegar, grapefruit seed extract, tea tree oil, lavender and lemon).

Investing Mistakes to Avoid

Sunday, July 26th, 2009

Retirement may be a long way off for you – or it might be right around the corner. No matter how near or far it is, you’ve absolutely got to start saving for it now. However, saving for retirement isn’t what it used to be with the increase in cost of living and the instability of social security. You have to invest for your retirement, as opposed to saving for it! Let’s start by taking a look at the retirement plan offered by your company. Once upon a time, these plans were quite sound. However, after the Enron upset and all that followed, people aren’t as secure in their company retirement plans anymore. If you choose not to invest in your company’s retirement plan, you do have other options. First, you can invest in stocks, bonds, mutual funds, certificates of deposit, and money market accounts. You do not have to state to anybody that the returns on these investments are to be used for retirement. Just simply let your money grow overtime, and when certain investments reach their maturity, reinvest them and continue to let your money grow. You can also open an Individual Retirement Account (IRA). IRA’s are quite popular because the money is not taxed until you withdraw the funds. You may also be able to deduct your IRA contributions from the taxes that you owe. An IRA can be opened at most banks. A ROTH IRA is a newer type of retirement account. With a Roth, you pay taxes on the money that you are investing in your account, but when you cash out, no federal taxes are owed. Roth IRA’s can also be opened at a financial institution. Another popular type of retirement account is the 401(k). 401(k’s) are typically offered through employers, but you may be able to open a 401(k) on your own. You should speak with a financial planner or accountant to help you with this. The Keogh plan is another type of IRA that is suitable for self employed people. Self-employed small business owners may also be interested in Simplified Employee Pension Plans (SEP). This is another type of Keogh plan that people typically find easier to administer than a regular Keogh plan. Whichever retirement investment you choose, just make sure you choose one! Again, do not depend on social security, company retirement plans, or even an inheritance that may or may not come through! Take care of your financial future by investing in it today.

Spend Wisely to Save Money

Saturday, July 25th, 2009

Have you ever noticed that the things you buy every week at the grocery and hardware stores go up a few cents between shopping trips? Not by much…just by a little each week but they continue to creep up and up.

All it takes for the price to jump up by a lot is a little hiccup in the world wide market, note the price of gasoline as it relates to world affairs.

There is a way that we can keep these price increases from impacting our personal finances so much and that is by buying in quantity and finding the best possible prices for the things we use and will continue to use everyday… things that will keep just as well on the shelves in our homes as it does on the shelves at the grocery store or hardware store.

For instance, dog food and cat food costs about 10% less when bought by the case than it does when bought at the single can price and if you wait for close out prices you save a lot more than that.

Set aside some space in your home and make a list of things that you use regularly which will not spoil. Any grain or grain products will need to be stored in airtight containers that rats can’t get into so keep that in mind.

Then set out to find the best prices you can get on quantity purchases of such things as bathroom items and dry and canned food.

You will be surprised at how much you can save by buying a twenty pound bag of rice as opposed to a one pound bag but don’t forget that it must be kept in a rat proof container.

You can buy some clothing items such as men’s socks and underwear because those styles don’t change, avoid buying children’s and women’s clothing, those styles change and sizes change too drastically.

Try to acquire and keep a two year supply of these items and you can save hundreds of dollars.

Rebates – Reward or Rip Off?

Saturday, July 25th, 2009

Rebates have become increasingly popular in the last few years on a lot of items and certainly on electronic items and computers. Rebates of $20, $50 or $100 are not uncommon.

I’ve even seen items advertised as “free after rebate”. Do these rebates come under the heading of “too good to be true”? Some of them do and there are “catches” to watch out for but if you are careful, rebates can help you get some really good deals.

The way a rebate works is that you pay the listed price for an item then mail in a form and the bar code to the manufacturer and they send you a refund thus reducing the price of what you paid for the item except with a time delay of several weeks.

Rule #1. Rebates from reputable companies are usually just fine.

You can be pretty sure you will get the promised rebate from Best Buy, Amazon or Dell but you should probably not count on getting one from a company you’ve never heard of. If you really want the product and are OK with paying the price listed then buy it but don’t count on actually getting the refund.

Rule #2. Check rebate expiration dates.

Many times products will stay on the shelf of a retailer after the date for sending in the rebate offer has expired so check that date carefully.

Rule #3. Be sure you have all the forms required to file for the rebate before you leave the store.

Rebates will almost always require a form to be filled out, a receipt for the purchase and a bar code.

Rule #4. Back up your rebate claim.

Make copies of everything you send in to get your rebate including the bar code. Stuff gets lost in the mail all the time and if the rebate is for $50 it’s worth the trouble to back up your claim.

The Road to Intuition

Saturday, July 25th, 2009

Have you had that experience when all of a sudden you just had this huge hunch that something is about to happen, and to your surprise, that intuition was eventually translated to reality?

When you feel strongly about something without logical basis to it, that’s called intuition. It comes in three impressions: clairvoyance or “the third eye”, sensing clearly and feeling through listening.

Clairvoyance is when your eye goes beyond what it can see. This is when you know what is happening somewhere.

Sensing clearly is basically what we refer to as “hunch” or “gut feel.” This is the time when you are overwhelmed with a feeling and you can’t explain it and all you can say is “I just know.”

On the other hand, feeling through listening or clairaudience is being able to “listen” between the lines. Intuition also happens at times when a certain sound, whatever it is – be it a car’s honk or a bird’s twitting – ushers in an intense feeling.

They say only a number of people are gifted with intuition. Astrologers even insist that people born under the Scorpio or Pisces signs are naturally intuitive it almost borders on E.S.P. But studies have been sprouting left and right that proclaim that anyone can develop intuition.

Why the need to develop intuition, you ask? Why not let your emotional and psychological state as it is? First and foremost, intuition promotes good communication. It makes you more sensitive to the people around you; it often keeps you from hurting those you love because you are intuitive enough to understand them. Intuition also makes you far more creative than ever. Intuition means releasing more creative juices for any means of expression. Lastly, intuition has a healing power. This healing power is not in the physical sense, but in delving deep into your soul to eradicate some negative energy buried in it.

With that being said, are you ready to develop your intuition? Here are some ways to unlock this gift:

1. Hypnosis

Oh yes, get yourself hypnotized. Hypnosis is not limited to watching a pendulum move back and forth. Perform self-hypnosis or you can avail of hypnotic programs that can strengthen your intuition.

2. Meditation

Meditating means finding peace in yourself. If your mind and heart are cluttered with too many baggage and hurt,  you wouldn’t be able to quiet down that part of you that could eventually initiate intuition. There are so many ways to meditate: take a yoga class, or just simply practice some breathing that could bring you straight to Zen.

3. Think positive!

A worry-free, fear-free state could do so much to improve your intuitive ability. By staying positive, you attract good energy that would be able to easily recognize imminent feelings and events.

4.  Just let go.

What does this mean? If you are on the brink of making a huge decision, let go of all the inhibitions and head to a quiet place where you could find out where the letting go has brought you. Sometimes you just have to listen to the voice within you, and that voice wouldn’t come out unless you let go.

5. Never expect.

After letting go of the inhibitions and all those things that stop you from thinking and feeling clearly, never expect for an answer right away. Never expect that the “hunch” would fall on your lap immediately. Give it a little time then you’d just get surprised that — wham! — now you have your answer.

6. Believe in your first impressions.

When you see someone for the first time and think that he is a bit too arrogant for your taste, chances are that impression actually holds true. Most of the time, first impressions are brought by intuition.

7. Stay happy!

See? All you need to be intuitive is to stay happy! Happiness attracts immense power and such power includes intuition. In tapping your intuition, your motivation must be happiness and contentment. Given that premise, intuition will fall to you easily.

Intuition is helpful, because sometimes it leads you to something that cannot be achieved otherwise. A lot of lives have been saved by intuition alone. Decisions are easier done if armed by this gift. Develop intuition now and reap benefits you have never imagined.

Avoiding Impulse Spending

Wednesday, July 22nd, 2009

Answer these questions truthfully:

1.)    Does your spouse or partner complain that you spend too much money?

2.)    Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had?

3.)    Do you have more shoes and clothes in your closet than you could ever possibly wear?

4.)    Do you own every new gadget before it has time to collect dust on a retailer’s shelf?

5.)    Do you buy things you didn’t know you wanted until you saw them on display in a store?

If you answered “yes” to any two of the above questions, you are an impulse spender and indulge yourself in retail therapy.

This is not a good thing. It will prevent you from saving for the important things like a house, a new car, a vacation or retirement. You must set some financial goals and resist spending money on items that really don’t matter in the long run.

Impulse spending will not only put a strain on your finances but your relationships, as well. To overcome the problem, the first thing to do is learn to separate your needs from your wants.

Advertisers blitz us hawking their products at us 24/7. The trick is to give yourself a cooling-off period before you buy anything that you have not planned for.

When you go shopping, make a list and take only enough cash to pay for what you have planned to buy. Leave your credit cards at home.

If you see something you think you really need, give yourself two weeks to decide if it is really something you need or something you can easily do without. By following this simple solution, you will mend your financial fences and your relationships.

Adventures in Creative Thinking

Monday, July 20th, 2009

How many times have you caught yourself saying that there could be no other solution to a problem – and that that problem leads to a dead end? How many times have you felt stumped knowing that the problem laying before you is one you cannot solve. No leads.  No options.  No solutions.

Did it feel like you had exhausted all possible options and yet are still before the mountain – large, unconquerable, and impregnable? When encountering such enormous problems, you may feel like you’re hammering against a steel mountain. The pressure of having to solve such a problem may be overwhelming.

But rejoice! There might be some hope yet!

With some creative problem-solving techniques you may be able to look at your problem in a different light. And that light might just be the end of the tunnel that leads to possible solutions.

First of all, in the light of creative problem-solving, you must be open-minded to the fact that there may be more than just one solution to the problem. And, you must be open to the fact that there may be solutions to problems you thought were unsolvable.

Now, with this optimistic mindset, we can try to be a little bit more creative in solving our problems.

Number one; maybe the reason we cannot solve our problems is that we have not really taken a hard look at what the problem is. Here, trying to understanding the problem and having a concrete understanding of its workings is integral solving the problem. If you know how it works, what the problem is, then you have a better foundation towards solving the problem.

Not trying to make the simple statement of what problem is. Try to identify the participating entities and what their relationships with one another are. Take note of the things you stand to gain any stand to lose from the current problem. Now you have a simple statement of what the problem is.

Number two; try to take note of all of the constraints and assumptions you have the words of problem. Sometimes it is these assumptions that obstruct our view of possible solutions. You have to identify which assumptions are valid, in which assumptions need to be addressed.

Number three; try to solve the problem by parts. Solve it going from general view towards the more detailed parts of the problem. This is called the top-down approach. Write down the question, and then come up with a one-sentence solution to that from them. The solution should be a general statement of what will solve the problem. From here you can develop the solution further, and increase its complexity little by little.

Number four; although it helps to have critical thinking aboard as you solve a problem, you must also keep a creative, analytical voice at the back of your head. When someone comes up with a prospective solution, tried to think how you could make that solution work. Try to be creative. At the same time, look for chinks in the armor of that solution.

Number five; it pays to remember that there may be more than just one solution being developed at one time. Try to keep track of all the solutions and their developments. Remember, there may be more than just one solution to the problem.

Number six; remember that old adage,” two heads are better than one.” That one is truer than it sounds. Always be open to new ideas. You can only benefit from listening to all the ideas each person has. This is especially true when the person you’re talking to has had experience solving problems similar to yours.

You don’t have to be a gung-ho, solo hero to solve the problem. If you can organize collective thought on the subject, it would be much better.

Number seven; be patient. As long as you persevere, there is always a chance that a solution will present itself. Remember that no one was able to create an invention the first time around.

Creative thinking exercises can also help you in your quest be a more creative problems solver.

Here is one example.

Take a piece of paper and write any word that comes to mind at the center. Now look at that word then write the first two words that come to your mind. This can go on until you can build a tree of related words. This helps you build analogical skills, and fortify your creative processes.

So, next time you see a problem you think you can not solve, think again. The solution might just be staring you right in the face. All it takes is just a little creative thinking, some planning, and a whole lot of work.