Every year more families are going to the brink of financial ruin because they never properly considered their financial future. For some, it's just to stressful or emotionally uncomfortable to think about and important financial decisions get put off indefinitely. For many, they do not know and were never taught some basic financial planning tips to keep them out of debt in the future. Here are five financial mistakes you should avoid now to keep your financial future bright:
5 Financial Mistakes To Avoid:
1. Buying on credit: Today's interest rates are fairly low, but this does not mean you should buy excessively on credit! Carrying a large balance on credit cards month to month is a recipe for disaster. Finance charges alone can slowly eat you up. Buying a car on credit ties up even more of your future earnings for debt repayment.
Just a few decades ago buying so much on credit was unheard of. Children were taught early on what a huge mistake this was. We all need to relearn this lesson and eliminate buying on credit to keep ourselves out of debt
2. Making financial decision based on emotion: When you are going through great stress or emotional turmoil you are most vulnerable to making disastrous financial financial decisions. It is when you are feeling some king of pressure that you are most likely to make silly decisions that get you into trouble later. Do not make a big money decision when you are emotionally vulnerable.
3. Not adequately insuring against catastrophic risk: Every year families are financially devastated because they are not protected against disaster. Loss of home and assets to fire and flood are very common events that a surprising number of people do not protect against with insurance. You should also protect against disaster common to your area. Earthquakes and tornadoes for example. Just as important is some kind of life insurance to protect your loved ones in case of death.
4. Falling for the slick salesmen pitch: They say a sucker is born every minute. And you can be sure there is a slick salesmen waiting to take advantage of every one of them! You should never enter into any financial decision based on salesmen pressure tactics or one-time offers. Great deals that can not wait for you to think on it or obtain a second opinion are often financial disasters waiting to happen.
5. Not planning out your financial future: For many people it is so much easier to put off the tough financial planning right now and get to it someday in the future. Well we know how that story goes. Years into the future many families are neck deep in debt with no relief in sight. And it could of all been avoided with some sensible planning. Talk to a financial planner today so you can be debt free tomorrow!
There you have it. Five important financial mistakes to avoid so you can be both debt and worry free in your future. No matter where you are at right now financially, it's not to late to get started. Make an appointment with a financial planner today and get your financial future properly planned out. It's one of the most important things you can do for your family and for yourself.
One of the most frustrating episodes ones can encounter is a denial of housing. Apartment complexes, which in reality are run by real estate management firms, use a number of factors to determine who should rent and who should not. One of the most common factors that they use is criminal background check. A criminal history can be one of the greatest huddles one can ever come across in the process of renting an apartment.
The reason apartment communities request a criminal background check is first of all for the safety of the overall community. There is a general consensus that people with violent pasts are bound to fall back into their previous destructive habits. The concept of history repeats itself seems to be a prevailing belief in many places when it comes to criminal history and nowhere more so than in apartment leasing offices.
Another reason why apartment leasing offices conduct a criminal background check is so as to create the appearance of safety in the community and in so doing have the justification to charge more for rent. If a neighborhood or apartment housing community has a high level of crime, then tenants will not want to renew their leases and this means that there will be more housing units which are vacant and which the management has to fill (or risk being censored by the owner). The more housing units are vacant in an apartment community the more it hurts the management bottom line because this drives down the rent.
When conducting criminal background checks, apartments normally concentrate on felony convictions. Misdemeanor crimes which are only punishable by fines are generally not a concern. If you have a misdemeanor, you should not be concerned but if it is a felony you may get a denial.
There are two main ways to get an apartment approval if you have a criminal record. The first one is to check the nature of your offense and see whether you received what is called a deferred adjudication. This is a probation granted to first time offenders and is also known as community supervision. If you were convicted of a misdemeanor, and got probation, you can go to the county clerk’s office and request for what is called a court deposition. This is a print-out that shows the offense, the court that heard the case, and the judgment that was rendered and the fact that you have deferred adjudication. The printout also states that you have successfully completed the community service without any other incidences and that you should not be discriminated against when it comes to services. You can take a copy of this document to an apartment manager and in most cases they will approve you.
Another way to get an apartment is to get an expungement. This is the sealing of your criminal records and can be done depending on whether you’re eligible. There is an excellent eBook out in the market regarding how to get an apartment even with an existing criminal record and bad credit and you can get it at [http://www.simplecreditsecrets.net]
It’s something that we all dream about and chances are if you had one wish you’d ask to be a millionaire right? But how can you become a millionaire is there some special knack or insider secret or is it just down to luck?
As I see it there are only really three ways to become a millionaire the first is to win the lottery now if you’re a person that likes to gamble this may seem a perfectly logical way for you to make a million the only flaw in your plan are the odds of winning, they are impossibly stacked against you. You stand more chance of marrying into money than actually winning it.
The Second way you can become a millionaire is to steal it. Conning or robbing people is not a very honourable way to build a fortune not to mention the dangers involved with criminal activities, not least the threat of spending time behind bars and losing all your ill gotten gains. Like disgraced businessman Bernard Madoff who pleaded guilty to the largest investment fraud ever committed estimated at 65Billion Dollars.
The Third way you can get wealthy is probably the hardest but ultimately the most ethical and most satisfying, it can be broken down into two separate fields so want to know how to become a millionaire? Yes well here goes…
In this world ordinary people are not rewarded for their skills. However, if you are extraordinary or have a rare highly sought after skill, you can be paid very very well think of top sportsmen or actors both have sensational but rare talents, not everyone can do what they do right?
The other way is to become an entrepreneur, forget about working for someone else you will never become a millionaire while working for a boss. The time to make it as an entrepreneur is now and the best way to be successful is to help people by solving their problems. If you can provide services or information that can solve people’s problems whether they be emotional, physical, or financial you can make money.
Think of The Hilton’s they solve problems by providing luxury accommodation for holidaying people. Or British Airways solving the problem of faster transatlantic travel, or even Bill Gates who solved computer compatibility problems with his now legendary windows operating system just think where we would be now without it, would you be even reading this?
So there you have it the real secret to being a millionaire is to be extraordinary and try to solve people’s problems and with the power of the Internet you can do this now easier than ever I hope you have enjoyed this article and you know have a better idea of how to become a millionaire.
Many people completely hate the word "flattery" and to even say there is an art to this makes them shudder with total disgust.
In a culture where everything is either right or wrong with very little room for the "grays" in between, I can understand why the word "flattery" rubs people the wrong way. I can also understand why many are sickened to the stomach because flattery is often associated with compromising one's values and integrity.
But is flattery always a bad thing? And does flattery always have to be insincere? Does flattery make you more attractive and should you use the art of flattery on the men / women you find attractive?
Personally I find that mild flattery does often move things along more pleasantly than outright candidness. While excessive insincere praises intended to put the other person into the position of owed something to the flatterer is cheap and cheesy (and often reveals emotionally "needy" personality out for approval), a little flattery does help to quickly warm up first meetings or bridge relationship gaps.
For example starting off your conversation with a statement like "You look gorgeous" is certainly better than starting with "You forgot to put on your make-up today". By offering positive reinforcement, you are not only making the person feel good about herself but you are taking the small extra effort to actually show the person that you care about how she feels. She may come back with "I do not have my make-up on" to which you can respond with "You still look good". But when you say "I could not even tell you did not have make-up on" or "You look like you have make-up on", you've crossed over to the excess insincere praise.
In terms of bridging relationship gaps, a little flattery goes a long, long way. Say you are the "hottest" woman in your workplace or even at a party, taking the time to shake hands with the office boy or cleaner, or saying "hi" to the "geeky-looking" guy standing all by himself not only makes their day (they will be talking about it for days) but moves them away from feeling like a "nobody" in the eyes of society to "somebody" to those present (and to himself). Just by a simple gesture you show the person that you care about how they feel. Did I mention you'll be ever so "hotter!"
Having said that, I do not advocate using flattery to manipulate another's self-doubt or use their feelings of inferiority against them. Using flattery for personal gain has its own "come back to bite your ass" consequences. You can not get round using flattery to always get what you want without starting to feel empty, phony, lonely and depressed. You can never genuinely and deeply connect with others if you are manipulating their feelings.
Also keep in mind that flattery works for about 95 percent of people. Recognizing situations where flattery is appropriate is the secret of the art of flattery!