Wednesday, April 10, 2019

Personal Finance Loans Might be Just What you Need

Personal Finance Loans Might be Just What you Need

Perhaps you are hard up for money but no one will extend you a loan. Maybe you have made late payments on your credit cards to the extent that you have shot your credit score to bits. Now, in your hour of need, no one will be giving you a loan. What do you? Have no worries, because like a knight in armor come to save the fading day, you can always use personal finance loans as a way out of this little mess that you’ve made for yourself.

Normally, getting personal finance loans are easy as hell and you can get them without much of a hitch at all. Normally, the formalities of these personal finance loans are easy to complete and you won’t have to wait a lot at all. The fact is that these loans are much smaller than the common loan that you find out there and so they can be put towards any use imaginable. Want to fix up the car? Check. Want to do up the home? Check. Want to go on a vacation? Check. Want to use it to pay for hookers, alcohol and drugs? Check. See how easy it is to get one of many possible personal finance loans?

Many people that do get this kind of loan make sure that it is an unsecured loan. The problem with getting an unsecured loan is that the interest rates that will be levied on this loan will be higher than normal. But that is only true if you are asking for a large amount of money. After all, if you’re going to take an unsecured loan the banker will want some kind of proof of good faith that you’re not going to vanish with his money forever! Financial institutions don’t really care what you intend to do with this money so long as you repay it in a timely manner and in full.

Depending on how much you borrowed and the terms of the borrowing, the repayment of the article can go on for a few months or even a few years. The general rule of thumb though is that you should try to repay it as soon as possible so as to avoid hefty interest charges. Not only will you save on interest, but you will also be able to improve the credit score that saw you head for personal finance loans in the first place, nipping the root of the problem in the bud.

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Tuesday, April 9, 2019

Retirement Planning: No One Ever Said it Would be Easy

Retirement Planning: No One Ever Said it Would be Easy

One question that keeps on coming back to me like a faithful boomerang is on retirement and more specifically retirement planning. Everyone always ends up asking me just how much they should save up for their retirement. How do I put this delicately; there is no one number that I can give everyone. It’s just a personal thing. If I know you better, yes, I can give you a number. But allow me to explain why it’s such a point of personal reference. For some people a Volkswagen Golf GTI is their everyday car and a BMW M3 is a car they’d love to keep in the garage. For some though, the BMW M3 might be their everyday car while they’d love to see a Ferrari 458 Italia in the garage. Perspective; it’s a funny thing.

But how do you save up money like the numbers some people tout? Look, I never said retirement planning is easy; I did say it can be done though with some discipline, dedication and diligence. That’s the only 3D you need.

Just how much do you need to save?
Imagine you plan to work from 20 till you’re 60 (for calculation’s sake). What that means is you have to work for 40 years to get through potentially 20 to 30 years of your life. So your nest egg will be used up for almost as long as you will take to build it up. Now, let’s assume some more things. For one, let’s say your income matches the rate of inflation perfectly. Let’s also assume the same for your investments. Let’s also assume that your lifestyle remains unchanged. If that does happen, you will have to save something like 35% of your income each year. And that’s something not many people do.  Most people only save 5-6% per year, so you now see where the problem lies.

Retirement is getting earlier for most
Generations before us saved more and worked for more years than us and yet we want to retire earlier than them despite doing none of these things. We have a very materialistic mind and if you’re banking on your investments getting you to the Promised Land, you could be in serious trouble. Save more, invest better and work longer if you have to. Mind you, it doesn’t have to be a full-time job; even working as a consultant or part-time counts. Once you feel confident about money, you can always stop working and do whatever you want to.

Don’t ask when you can retire. Instead, know what you want to do and start planning towards it, whatever it may be.

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Sunday, April 7, 2019

Meditations on Money for the Inner Soul: Understand Road Blocks, Karmic Blocks, and How You Manifest Wealth

Meditations on Money for the Inner Soul: Understand Road Blocks, Karmic Blocks, and How You Manifest Wealth

We live in a time in history in which wealth has taken on a new collective meaning. There are more wealthy people than ever before, and in the collective imagination, we have a newly created vision of a standard of living that we consider our birthright. Credit cards, mortgages, and car loans mean we can experience ourselves as being well-off without it necessarily being based in reality. Whole countries live off debt and fake money. It’s all very confusing when there are still large areas of the world dealing with famine and disease on a scale that is unheard of in what is termed the ”developed” world.

The inequality and illusory nature of wealth are not the only reasons to be wary of its seductions. Even if you thought you were well-off, chances are that whatever wealth you thought you possessed has diminished in recent times. The upheaval in the world’s financial markets has made it only too clear that worshipping at the altar of materialism is a risky business.

So how do we navigate this treacherous territory at a time when material greed and expectation have reached heights that Socrates probably never even imagined? At a time in which global finances are in such rapid flux that no one can predict what will happen next?

First of all, stay close to yourself. Listen to your dreams and imaginings, and your inner promptings. Take yourself seriously. The soul will not lead you in the wrong direction if you pay attention. Learn to distinguish between the inner soul voice and the conditioned fantasy voice, and pay close attention to how manifestation functions for you.

The following are some questions that will help you work through your thoughts about money. Write these in your journal, and take some time to meditate on and write about each one.

  • Where does your money tend to come from? Do you get funds from your family, from your spouse, from hard work, from throwing big parties, from creating works of art?
  • How does money come to you? Does it come in sudden wind-falls or in regular paychecks? Does it come happily or unhappily?
  • What are your open gates for receiving money, and where do you think you might be closed? Visualize the gates through which money comes to you and see why some are closed. Find out what it would take to open them.
  • How does stuff come to you? Is it different from how money comes to you? (Sometimes people have a knack for attracting things over money because they have a negative belief about money itself.)
  • Look for where life is easy for you and see if that lesson can be applied to the realms that are more difficult. For example, if you have easy, plentiful friendships with women, think about working in a field in which women will be your clients or customers.
  • Examine your family of origin issues. Every family has its trips about money. What did you learn about money as a child? If money was lacking, what concepts has that imparted to your thinking? If you were born into a family that had money and that you have inherited, accept this as your fate and use the money to further your soul dream, which will often be philanthropic and/or socially responsible.
  • Look at where you disrespect money and waste it, and clean up your act. Look at your ethics and see if you feel entirely comfortable with all your choices.
  • Add up how much money you spend a year in interest and see what you can do to turn that negative into a positive by earning the money before you spend it.

Gratitude practice is useful in clarifying our relationship with money. Think about all the financial help you have received in your life and give thanks for it. Gratitude blocks can often arise around money because it can be such a charged issue, bringing up issues of entitlement in particular.

If you feel you don’t have as much money as you need, look at what useful function the lack of money might serve for you spiritually. For example, if you tend to be scattered in your thoughts and actions, a lack of money might serve to focus you on what is really necessary. Imagine having all the money you think you need and see how you feel. Within that you may find clues to why you might be blocking yourself from being wealthier.

Practice respect for but also detachment from money. The gods and goddesses of money seem to like us to pay close attention but to also be relaxed. (That applies to just about everything, though, doesn’t it?)

Give space in your perceptions for the possibility that everything right now is absolutely perfect – that the restrictions you experience on the material level are actually part of the divine plan of your soul for your ultimate fulfillment. Do this while vowing to free yourself of karmic restrictions brought about by erroneous thoughts and actions regarding money, work, and material anxiety.

ABOUT THE AUTHOR
Lara Owen, author of Growing You Inner Light: A Guide to Independent Spiritual Practice (Copyright © 2009 by Lara Owen), has trained with spiritual teachers all over the world and has made a lifelong study of spiritual practice in several traditions. 
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Saturday, April 6, 2019

Time Management Training: What It Entails

Time Management Training: What It Entails

Are you an office manager or a business owner? If you are, you must know the importance of time management in the office. Did you know that when your employees don’t know how to manage their time, they likely end up costing your company money?  Whether you are a business owner or an office manager, you do not want to see this happen.

When it comes to poor time management at the office, there are many office managers and business managers who choose to provide their employees with time management training.  If this sounds like a good idea to you, you may be looking for more information.  You may be curious as to exactly what time management training its, how it works, and what your staff members will learn.  If these are all questions that you have, you will want to continue reading on.

When understanding time management training, it is important to remember that it does come in a number of different formats.  For example, most companies choose to hire outside specialists.  These are individuals or teams of individuals who come in and teach staff members the importance of proper time management, as well as share tips on how to get the most done through the day.  A good example of this is by showing or helping your staff members get their office desks better organized.  This is key, as organization and time management go hand in hand.

As nice as it is to hire outside help from professional office organizers and time management specialists, the cost of doing so may be a put off for you.  If it is, you may be able to host your own time management training sessions.  Doing so is actually a lot easier than you may originally think.  In fact, many business owners and office managers like this approach as it gives them complete control over what their staff members learn.

Speaking of what your staff members will likely learn in time management training, it will vary.  As previously stated, you can hire outside help or you can perform your own training sessions.  Regardless of which approach you do take, there are some things that you will want to make sure that your staff members know.  First, make sure that you not only tell them the importance of properly managing their time at the office, but show them ways that they can improve the use of their time.  These ways may involve keeping a clean and organized office desk, completing a to do list each morning, and so forth.

It is also important that you outline the consequences for employees who continue to waste company time.  After time management training as has been offered to all employees, there is no reason why employees should be seen standing around, socializing with each other, or using an office computer for personal use.  State that these things are okay for break time, but not during normal work hours.  You may want to go as far to show your staff members just how much their wasted time is costing the company.  Let them know that additional warnings may come, with termination being a possibility.

As a reminder, time management training is not required by many means, but you may find it a relatively easy and effective approach, especially when compared to terminating and rehiring new employees.
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How to Sell Your House by Lease Options

How to Sell Your House by Lease Options

How to Sell Your House by Lease Options - Many people buy a house then have to move within a few years, due to divorce, relocation or financial difficulties. Without any equity though, it can be nearly impossible to find buyers and you still have realtor fees to contend with. There is a simple, easy way to have your payments taken care of for you and find a buyer, so that you can move onto your new life quickly and easily.


Homeowners can sell their homes by lease option.

What are the benefits of selling my house on a lease option?

When you lease option your house, you sell the right to purchase your home at a set price within a predetermined period of time. During that time, the purchaser of the lease option pays you a set monthly fee. They pay what amounts to their "rent" to you with the provision that they can purchase your house within a certain period of time and have part of the rent that they have paid you applied to their final purchase price.

Q What are the advantages of selling my home by lease option over listing it with a Realtor?

By selling your home in this way, you avoid realtor fees and some other closing costs. You also have a tenant who intends to purchase your property. They will take better care of the home than a renter would and may even fix it up a bit for you. You also, naturally, have your payments taken care of and keep the tax benefits of owning your home, until the final sale.

Q How long does it take before your tenant/buyer cashes me out?

A That depends on a number of different factors. Many people with less than perfect credit can rebuild their credit and receive a mortgage from a mortgage broker within 6 consecutive payments.

Q Why don'’t I just sell the house myself?

If you have little or no equity in your home, it will not be considered a good investment by most buyers.

Q What if my tenant/buyer doesn'’t buy the house?

A It is important to pre-screen buyers to make sure that they want to buy the house and are able to buy it at some point in the future. However, circumstances can change in someone'’s life, such as an unexpected job transfer, that make it necessary to move. In situations like that, a new tenant buyer would have to be found.
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