Tuesday, October 3, 2017

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Monday, September 11, 2017

Money-saving tips for married couples



                                             How you & Your Partner Should Save Money



 
Most newly-married couples are having a hard time adjusting to a different way of life, especially when it comes to financial matters. As separate individuals, your spending habits will differ. This is why you both need to make certain adjustments to combine the household budget.

Here are some ways on how you and your partner can make the ‘financial aspect’ of your marriage harmonious and organized:

  1. Understand the way that you both look at money.                                                    reusable facemask

If you and your spouse have different beliefs when it comes to money matters, sit down and discuss it. The key here is to be able to compromise. For some people, money is a security measure that needs to be saved. Other people spend it luxuriously and look at spending money as a means to reward themselves for their work. Still, other people are very thrifty that they hardly ever spend a cent of what they have earned.


Understand that the way that you both treat and spend money stems from how you were brought up by your parents. Think of everything that you need to discuss when it comes to your household budget. If possible, set rules on how you will spend your combined income on utility bills, food, mortgage, car maintenance, etc.


  1. Set future financial goals.
If you are newly weds and you are planning to have a baby soon, consider this when organizing your finances. If you are a couple nearing the age of retirement, you can make plans on where you will spend your leisure years. Setting long-term and short-term goals will help you finalize your financial plans.


  1. Share your money-saving skills with your partner.

If you have different family backgrounds, then you would have something to contribute towards organizing your joints assets. Make each other aware of your personal finances then think of ways on how you can further boost your money-handling tactics.

By following these tips, you will surely have your finances organized to lead a more comfortable lifestyle.


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Wednesday, September 6, 2017

The Benefits of Owning an Air Purifier




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The Benefits of Owning an Air Purifier

If you watch television, listen to the radio, or surf the internet, there is a good chance that you have heard of air purifiers before.  Air purifiers are electronic machines that work to make indoor air healthier.  This is done by trapping harmful air particles in the filters or collection grids.  Essentially, this means that your air will not only be healthier, but easier to breathe.

Despite the fact that you know what an air purifier is and what it does, do you know the benefits of owning or using one?  If you do not currently own an air purifier, also commonly known as an air cleaner, there is a good chance that you will want one, after examining the benefits of using one. That is right, air purifiers are that good.

As mentioned above, air purifiers work to eliminate dangerous or unhealthy contaminants from the air. Doing this makes the air inside your home easier to breathe.  This is great for young children, the elderly, as well as those with allergies. When breathing cleaner air, your health is likely to improve.  There is a good chance that you may find yourself getting ill less often. 

In addition to getting ill less often, it has been said that the air we breathe has an impact on our emotions and wellbeing.  Therefore, this means that breathing cleaner air, thanks to an air purifier, you may not only be healthier, but you may also enjoy life a little bit more.  When you think about it, it is actually amazing what clean air can do for a person.

Another benefit to owning an air purifier is the cost of owning one. Unfortunately, many individuals believe that air purifiers cost too much money.  It is true that their costs can be high, but you need to think about what you are getting from them. Can you really put a price tag on clean, healthy, and breathable air?  Even if you must put a price tag on it, you will find that you have a number of different options.  Air purifiers come in a number of different makes and models. Each of those makes and models costs a certain amount of money.  This means that, with a little bit of research, you should be able to find at least one air purifier that is within your price range. 

As great as air purifiers are, it is important to remember one thing. You can not reap the many benefits of owning an air purifier if you do not use it. There are many individuals who make the purchase, but do not properly use their air purifiers, if they even use them at all.  In most cases, you will find that air purifiers work best if you use them all of the time. This will allow your air purifier to keep up with all of the air particles floating around inside your home or inside a particular room.  Essentially, this means that if you make the decision to purchase an air purifier, make sure you actually use it.

As you should easily be able to tell, air purifiers have a number of different benefits. Each of these benefits are likely to help you out, in one way or another.  Therefore, if you haven’t thought about purchasing an air purifier before, it is about time that you give it some serious though. You may very well find it to be one of the best purchases that you ever made.

Tuesday, August 1, 2017

Five Easy Steps to Staying Motivated

Five Easy Steps to Staying Motivated

Motivating yourself to excel at your job or to be an example to your employees, should not be something you do only when the spirit moves you. It’s an ongoing process that should include every facet of your business life. This means your mental attitude, physical well-being and appearance, work atmosphere, your interaction with others (clients and employees alike), and your off-the-job environment.

Motivational experts get paid big bucks to tell professionals, striving for success, that they must constantly examine these factors. How do you do that? Follow the 5 tips that follow, and watch the changes.

  1. Maintain a Positive Attitude – Let’s realize that life is only 10% of what happens to us and 90% how we react to it. We’re responsible for our own actions and attitudes, and changing them when appropriate. When you’re around people/things that are uplifting and positive, you feel that way. You have more confidence in yourself, and know you can change whatever needs changing. If you can make your workplace such a place you’ll find happier workers and higher production. You might even find your employees look forward to coming to work!

  1. Leave Personal Troubles Home - Everyone has problems, but they don’t belong at work. Turn your attention and energy entirely to your on-the-job tasks. This will actually be good for you because you’ll get a mental break from your troubles.
  2. Create Positive Affirmations - The reason for writing goals for your business is the same as creating positive affirmations on paper. What your eyes see and ears hear, your mind will believe. Try it! After you’ve written them down, read them aloud to yourself – and do it every morning when you get into work. You’ll be amazed at what happens. Come up with a set of new ones every month. Statements such as, “I’m an important and valuable person,” or “I know I’ll make good use of my time today.” Repeating them out loud everyday at a set time will help reinforce positive actions.

  1. Make Sure Break Times Are Really Break Times - This is an area where most bosses/entrepreneurs fall down. You become so intense about the project or situation you’re working on that you don’t ease up. Thinking that it’ll be solved in the next few seconds, and then you’ll get a cup of coffee can lead you right up to quitting time. Regularly adhering to a specified break schedule, even if you’re the boss, releases the tension. If you work on a computer this is even a greater problem because before you realize it – you’ve been working in that same position for hours. The best answer to this is to set yourself a reminder on your appointment calendar for every 2 hours, and let the computer reminder chime send you the alert to move around.

  1. Exercise, Exercise, Exercise - I know that lately it seems that “exercise” is the cure-all to every physical ailment or your love life, but despite that there is some truth to that ugly word. By “exercise” I don’t mean that you should go out and join a gym and spend your lunch-time, 3-days-a-week there working out. What is really beneficial and workable is that at those chiming alerts from your computer, get up and walk around your desk or room. Maybe go outside and get the mail and enjoy the sunlight (if you’re an entrepreneur that has a home office), or just get up and do a few stretches. Concentrated, tense thinking – typing - plotting plans - or whatever your work, makes all those muscles tighten up and knot up. Then when we move we “ooh” and “ouch” because we’ve knotted up into a ball of tension. Periodic stretching, even at our desk, or just getting up and walking over to the window and getting a different view can help. One of the greatest disservice modern business décor has done to us, is making our offices pristine, sleek, unencumbered spaces. There is nothing more relaxing than getting up from your desk and walking over to a peaceful, serene, seascape or pastoral painting and just drinking it in visually. Momentarily transporting your mind out of work and into that place does wonders. A few good paintings and less shiny chrome in offices would benefit us all.

It only takes a little concentrated effort on our part to keep motivated and productive, which leads to success. I know you’re going to hate hearing this, but it’s true anyway – and that is, “WHEN LIFE GIVES YOUR LEMONS – MAKE LEMONADE!”
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Tuesday, July 11, 2017

SHARPEN YOUR FINANCIAL EDGE BY CHANGING YOUR ATTITUDE 2


one should never think they know everything or have the ultimate solution to every financial question and challenge that arises. People that exhibit this kind of “tunnel vision”, often find themselves on the losing end of many situations. It is better to adopt the attitude that everyone has something to teach me,by using this mindset you open yourself up to a world of ideas and possibilities that can propel you into your dream. Also this attitude will allow you to bridge many gaps in understanding and knowledge in your work place that will help you progress, instead of just complaining about stuff.

More often that not you will have to deal with unpleasant situation like a grumpy boss or a disagreeable colleague. THIS IS NOT A LIFE OR DEATH SITUATION! Do not not succumb to the fight or flight response. Understand that modern society has mad us less and less tolerant of uncomfortable situations. Take a deep breath, access the situation and stay calm. Use the playback in your memory of a pleasant situation or time. Think about some song you like, these thought you attach to the situation helps you change the experience.

Competition on the basketball court is OK but when you are competing with money this is a big no-no.
mistakes that can wreck your bank account. Concentrate on your financial goal and stay in your lane. If you have a lot of money in company stock that's OK but remember any company can fall so always follow the golden rule of finance, diversify.

The Bible say that “the love of money is root of all kinds of evil”. While money can buy you many material things, money can not buy you happiness, or respect, or power. One has to recognized that money is just a tool that allows you to accomplish a goal. It can't even provide absolute security only give you the impression it can. To base all actions on money can be devastating because as hard as you work to get it, just as easly you can lose it.

Learn to understand other industries and learn to innovate and adapt ideas to your situation, problems to find new opportunities. Practice on engaging in public activity that require performance under pressure. Also plan your activities and priorities so you don't have a lot of half finished projects at the end of the day. Don't trust you instincts when you invest big chunks of money, if your wrong it can set you way back financially. Take your time put in the Du-diligence and the odds will be more in your favor. Consider your goals, the markets long term performance and the time you have to invest.

When you have developed a skill that your good at learn to barter with other people so you can receive benefits. If you can do book keeping find a way to trade the skill off to get some painting done around the house. Find a time bank in your area by searching the internet people never over pay, the determine the price of and item before buy doing their homework ahead of time but they also know when it is time to pay a premium for and item. Spend real money on your most useful gear and take real time to maintain it.

Having an attitude of gratitude can improve your job satisfaction and help your performance. Also having a optimistic attitude is good for your health. Practice focusing less on the problems at work and more on the benefits to you, your boss and coworkers and customers. This adds dignity and motivation to your work.
Trying to beat the marking or out-do someone else wealth is dangerous and leads to short term thinking and

Tuesday, July 4, 2017

SHARPEN YOUR FINANCIAL EDGE

SHARPEN YOUR FINANCIAL EDGE BY CHANGING YOUR ATTITUDE

Everyone has advice and ideas about how you can handle your finances and the way you treat money. Some say to save at every opportunity and watch every penny, some say pay off all your debt first before you even think about investing, others advocate that you live within your means, and all of these strategies have Merritt, and can even propel you forward. But think for a moment what really motivates you, what drives you to grab your finances by the throat and corral them into submission, to bend to your will and carry you on your desired path? A better standard of living for you and your family, are you tired of living from substandard point of view? well what ever motivates you to change your attitude it is always best to have as much understanding and knowledge as possible so lets explore some mantras of the rich,who knows maybe you can find a “take away point” that can help you turn that corner to financial independence.

Having the attitude that you are the master of your own future and you do not have to fall prey to the status qua is vital. People with this mindset are more likely to take responsibility for their lives, their success's as well as their failures and are more prone to learn from their mistake and failures. They will normally examine what they did wrong and make improvements and adjustments. They don't blame others or make excuse but find results which leads to them becoming successful and accomplishing their goals.

Having a “CAN DO” attitude can be the difference of waking up in the morning with a purpose and getting fired up for the day ahead or waking up in the morning and throwing the alarm clock at the wall and hating the day you were born and pulling the covers back over your head. Persons who believe that what they do has an impact on the world in real time are more likely to work hard to change their circumstances. While some may have a “victim” mentality when they awaken to the fact that they can change their circumstance nothing makes them more angry and determined to change their attitude toward wealth.

No one wants to be lead buy a person who has a lacking self-confidence and is weak in making the tough calls. But those who are confident, even over confident bordering on the fringe of arrogance has the ability to draw the masses to his point of view. People gravitate to those whom have strong conviction about their point of view because they are strong and willing to take risk and stand back up after a failure to try again. If by chance they stumble or even fall the manage to do it gracefully. They own up to the circumstance and move one by their head and shoulders down and work hard to prove themselves again.

Many of use have a fixed perspective about our abilities, and some may even think that they are not smart enough gain wealth. They see themselves as stupid and ignorant but I think it is more related to fear, fear of failure, fear of losing, fear of being ridiculed by their piers but if a person can over come these fears and negativism they can overcome all the regrets and fallacy's. The only thing that should matter is where is the best place to put that investment dollar that will give me maximum return.

Proceed without regrets and be a little anxious about your money. Having this attitude will give you a healthy availability about your money and keep you motivated to strive to protect it and your earnings. To show vigilance is better than overspending or gambling it away. Many take unnecessary risk when they come into extra money or money that isn't earned from work like a tax return or an inheritance but that money is the same as any other money and should be treated with respect. Spend those dollars as you would any other dollars you may acquire.

Friday, June 2, 2017

Strange Bedfellows

Strange Bedfellows

June 1, 2017
Financial advisor Chad Willardson worked very hard recently to get elected to a job that had no financial training requirements whatsoever—treasurer of Corona, Calif.

In that position, he is in charge of investing the city’s $250 million bond portfolio. His predecessors were in charge of the same fund, but he says they didn’t have his financial or investment training. They came into the job cold.

More often than people realize, elected officials in the U.S. have no financial training when they are put in charge of public budgets and pension funds on the local, state and national levels. Even when an official is not directly in charge of a financial department, he or she is frequently expected to weigh in on the financial consequences of legislation.

Sometimes financial advisors or those with similar backgrounds decide to tackle the rigors of campaigning and accept public offices themselves, but it doesn’t happen enough, say industry people.

Willardson, the founder and president of Pacific Capital, a wealth management and financial advisory firm, never had any political ambitions himself. But he wanted to make things better in the community where he and his family work and live. Leaders in Corona, a growing city of about 162,000 residents, asked him to run for treasurer in a nonpartisan election, and he is now starting his first four-year term.

“A lot of cities are in financial trouble and there are many of us with financial expertise who can make a real difference,” he says. “Managing the city’s portfolio was like taking on a new client for me, but it is a very important client. It was easy to fold this in with what I already do as a business.

“I don’t think we can afford to place our investments in the hands of politicians,” he says.

Willardson is using the same resources for the city that he uses in his business, and he has brought in a third party analyst to help show the officials how the city can increase yield and reduce costs on its investments. “My goal by the end of four years is to show how much we have improved with our investments,” he says.

The ways advisors get into the public arena differ, but the goal of effectively influencing public policy so that financial consequences are taken into consideration is the same for most. Some advisors who have taken the public servant plunge are battling financial issues on the state level. Heather Bishoff, co-owner and chief financial officer of Bishoff Financial Group in Worthington, Ohio, an asset management and retirement planning firm, started with a seat on the local board of education when she saw teachers being let go and programs being cut. But she soon found that school funding is a state issue.

She is now a Democratic member of the Ohio House of Representatives in her third two-year term facing numerous challenges in a state ranked fifth worst in the United States for taxes. “It was extremely intimidating to run for office, but we need more people who are financially minded to be at the forefront of these issues. There are public policy issues on expenditures and taxes that affect people on a day-to-day basis,” she says. “We have to put our money where our mouth is, so to speak.”

“I’ve had my say, but, despite my pleas, Ohio has raised a lot of taxes,” she says. “What tends to happen when non-financial people make decisions about public policy is they trip over a dollar to save a penny. As financial advisors, we think long term and for taxpayers it should be the same. I am too passionate about this to see shortsighted public policy made. As financial advisors, we know you sometimes have to make investments up front to save money later on.”

As an added bonus, Bishoff says her children love her holding public office. “They feel special. They know I am good for a peanut butter sandwich for them, but I can also stand on a mountain with a sword and let my opinion be known if need be.”

Another bonus is that holding public office can give a financial advisor added exposure, says Doug Lyons, founder of Douglas J. Lyons Financial Group, a wealth management firm in Red Bank, N.J. Lyons was encouraged to run for office in his hometown of Bay Head, N.J., he says, but commuting to New York City every day left him with little extra time. After opening his own business in the suburbs, he had more time.

A Republican, he is now in his second three-year term as a Bay Head councilman in charge of the finance committee. Lyons encourages all financial advisors to serve in public office as a way of giving back to the community. Being in public office gives an advisor more attention but it also means taking the good with the bad, he notes.

“People will unload their complaints about local issues on you at parties, but as a financial advisor you deal with all kinds of individuals, so you can bring a unique skill to the table in knowing how to deal with people,” he says. “Absolutely, I would encourage other financial advisors to run for office.

“In Bay Head, there were issues in the finance department that needed to be dealt with and I think I brought a new perspective that would not have been there without me,” Lyons adds. Since he has been on the council, he has helped deal with full-time and part-time employee issues.

Advisors in general often show a high level of engagement in their communities, some by running for public office, others by taking different actions, says Blaine Aikin, chairman of the Certified Financial Planner Board of Standards Inc.’s board of directors.

“Financial advisors are highly engaged in people’s lives and understand behavior and they know how to bring reality into the picture,” Aikin says. “Sometimes what we want to do is not realistic: Advisors have to point this out all the time, so they know how to work with people to show them what the trade-offs of proposed legislation might be.”

But being in politics can be divisive, and some advisors may not be comfortable with that. “Many people may not realize a public official needs to be a fiduciary, just like a financial advisor needs to be one,” Aikin points out. “They need to act in a way that is best for their constituents” on decisions about whether to, say, pursue revenue growth or focus on other goals like land preservation. In this way, they are acting just as advisors need to act—in the best interests of their clients, he says.

Many advisors still hesitate to jump into the political arena, adding more work to what is probably an already busy life and potentially creating enemies along the way, says Paul H. Auslander, the former Financial Planning Association president and chair, who has held leadership positions in the financial community nationally and in Florida where he works and lives. Auslander is the director of financial planning at ProVise Management Group LLC, a fee-based financial planning and investment management firm in Clearwater.

He was selected in 2007 by Florida’s chief financial officer to serve on the state’s first Financial Literacy Council for a four-year term. The council, created by the Florida Legislature, was asked to study the financial issues that affect consumers without basic financial knowledge. The council made recommendations to the legislature on how to help consumers increase their knowledge of these issues.

Auslander is known for urging financial advisors to apply their skills to public policy issues by taking on elected and appointive offices. “Financial advisors in public offices are needed more now than ever, but many do not run because of the time-consuming complications of dealing with their own compliance issues for their firms, or because of a disdain for the political process,” he says.

“I would like to see them do it because they see it as a noble method of service, but most are not interested,” he says. “Some cataclysmic event may spur them to act, but they should not wait until something drastic happens.”

The U.S. Department of Labor’s fiduciary rule, which requires advisors who deal with retirement planning to act in the best interests of their clients, is a perfect example of a law that needed more financial experts weighing in on it, Auslander says. The rule is now set to go into effect in June. “The rule was a great idea in concept but then something went wrong and it is just bad legislation now, which is a shame,” he says.

The reward for those who accept the challenge of being in public office is that “you feel like a public piñata,” says Frank Astorino, a Republican councilman in his third term in North Caldwell, N.J. He heads the Astorino Financial Group, a wealth management and financial planning firm in Fairfield, N.J.

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