4 Ways to Increase Your Financial IQ

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Do you know what your financial IQ is? You have your IQ, or intelligence quotient, that assesses your overall intelligence level, and an emotional IQ, which measures your ability to control your emotions. Your financial IQ is a measure of your financial intelligence - how well you do with money!

Having a high financial IQ means the most when it comes to your financial success. You can be smart and make a good income but have a low financial IQ, meaning you handle money irresponsibly. A high financial IQ means you make smart financial decisions and take the right action to better your financial circumstances. People with a high financial IQ understand exactly what to do when it comes to managing their money and do it!

Anyone can increase his/her financial IQ. It doesn't take a Harvard graduate to do so, just pure willingness and commitment to turn your financial situation around. Regardless of how much money you make, you can begin increasing your financial IQ now. This will make you feel financially empowered. Are you ready?

Here are four ways to begin building your financial IQ today!:

1. Stop Avoiding: How long would your boss keep you around if you just ignored or avoided those tasks you really didn't want to do? Not long--that's for darn sure! When you begin to give your finances the attention they deserve, that's when you'll begin to see change. Working on bettering your relationship with money will increase your financial IQ.

2. Educate Yourself: I'm not suggesting you go back to school to learn about finance or enroll in a class so you know more about stocks and bonds. It's not necessary that you understand the details of investing when you can hire a trusted advisor to help you with those choices and decisions. It is important that you understand how to change the way you behave with money. Notice how you behave with your money and what decisions you make every day that either better or worsen your financial situation. Commit to engaging in only those behaviors that benefit you. This will increase your financial IQ.

3. Shift Your Thinking: Often it's our thinking that keeps us in a place where we aren't growing intellectually. To increase your financial IQ and feel financially successful, shift your mindset. Start thinking more about building wealth than the next expensive thing you think you just can't live without. When the focus is on spending, it keeps your financial IQ low, but when you start thinking about how to have more money, you'll increase your financial IQ and start making decisions which follow that mindset. Getting smarter means thinking smarter!

4. Spend Your Time Wisely: Increasing your financial IQ involves allocating time to actually doing the work required to live healthier with money. To be well with money, you'll need to do well with money. Freeing yourself of debt will increase your financial IQ, so too will controlling your everyday spending. Instead of waiting and wondering whether you can afford what you want, take time each month to plan out your finances by writing down exactly what money comes in and exactly how you will choose to spend that money. Doing this gives you greater control over your money.

Are you ready to start building your financial IQ? You can, and it doesn't take a Harvard graduate to do so. You can be as smart as you want to be with money when you work on your financial IQ!

4 Tips For Moving Forward When Your Relationship has Ended

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It seems that everywhere you look, many long-standing (or short) relationships and/or marriages are dissolving. If youre like most people, when this happens, you find yourself stuck in thinking about the past, wondering what went wrong, and unable to move from the pain of the relationship. You might even fear that any future relationship will turn out the same.

It doesnt matter whether you left the relationship or were leftthe best advice we can give you is to learn from the past and not carry old baggage into the new life you envision for yourself.

Here are 4 ideas to help you move forward in a more empowering way:

Tip 1: Never look at a relationship (or anything else) that hasnt worked out as a failure

Often it's the seed of a current or past "failure" that fuels you to the very success that you've always dreamed of. It sounds trite, but theres always something you can learn from every experience.

Past relationships give you a clearer picture of what you want and what you dont want in a relationship if you take the time to examine them. Its the power of contrast that living in an unfulfilling relationship can give you that can lead to you creating the relationship that you do want.

What we've learned is that if a relationship has ended, it is not a bad thing or a failure that our society likes to label it. It just may be that you
have learned what it is that you were supposed to learn by being with that other person and its time to move on to other lessons.

It might also be a chance for both people to look at what happened and to learn to do it differently the next time.

Tip 2: Turn from the past and look toward the future ...YOUR future

Its easy to get stuck in the past when a relationship ends.

You will begin to heal and move forward when you begin thinking and writing about what you want for your life, today and in the future.

Setting goals is very important in this process of turning to your new life. The famous motivational speaker, Zig Ziglar said that he had never met a truly depressed person who had goals for his/her life and we know that this is true. Take some time right now to create some new goals for your new life and then start taking small steps toward those goals.

Tip 3: Take responsibility for your partno more and no less

When a relationship ends, very often we want to assign fault and blame, either to ourselves or to the other person. When you are in a healthy relationship with another person, both people are equally responsible for the relationship. If a relationship ends, the same thing usually applies. No matter who appears to be at fault when challenges come up, both people are responsible.

You can only heal when you let go of assigning fault and blame and focus on what you want to change about yourself and what you want to create in a relationship.

This can be a very difficult process if you are hanging on to the need to be right, anger, judgments and unexpressed resentments.

Taking responsibility means accepting whats true about what you have or have not contributed to the relationship that ended and considering what you intend to contribute to relationships in the future.

Tip 4: Learn from and give thanks for the lessons that you learned and change your attitude

As painful as it is to hear, the truth is that everything in your life (including your relationships) is a result of the choices you have made up until now. If you don't like the circumstances in your life or relationships, decide to make other choices.

This could mean changing your attitude from blame to acceptance. It could mean opening up to bringing new people into your life. It could mean deciding to be a better person in your current relationships. It could mean being grateful for what you have.

Being grateful for where you are and what youve learned will be a positive movement toward creating what you want in your life. Change your attitude and you will change your life.

When a relationship ends, its tempting to close down and vow never to get in another relationship again or even rush into a new relationship. Instead, we invite you to take the time to learn from past relationships, be in gratitude for where you are and start moving toward the relationships and life that you really want.
_________________________

Susie and Otto Collins are Relationship and Life Success Coaches, married partners and authors of several books and courses on relationships including Should You Stay or Should You Go? and No More Jealousy. In addition to having a great relationship, they regularly write, speak and conduct seminars on love, relationships and personal growth. To read more free articles like this or to sign up for their free online relationship newsletter visit http://www.CollinsPartners.com.

4 Selected Gifts for The Special Occasion

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No matter in which stage of the relationship you are, birthdays are always fun and exciting events when you expect your special someone to be ready with gifts, cakes and more. I am sure that you dont want the usual stuff to be given to your boyfriend. Hence, we have come up with some exciting gift suggestions that will surely make him fall for you all over again. And at the same time, your gifts will also be a reflection of how much you know and understand him. So, this year get birthday gifts online delivery even when you are miles away from him.

Worlds greatest chefs have all been men!

If you boyfriend is the one who loves cooking and would like to invite you for dinner, it is best that you can gift him some recipe books, platters, and plates or any other kitchen essentials which will make his task easier. Cooking together your favorite dishes is a great idea to start conversations with ease. You can relish your time together doing something that may help you both open up with each other. This would cheer his heart to fall for you all over again.

What would be a birthday celebration without cakes?

Shop for the best-flavored cakes which you know that he will surely love. Get it packed in a gorgeous cake box and send it as a perfect birthday gift to the Philippines to surprise him. It will be a great way to let him know that you are always in her thoughts. Yes, the markets are flocked with innumerable choices of cake flavors and designs. All you have to do is to pick the flavor the most and order it to have it delivered anywhere in the world.

It is his birthday and you want to treat him with something truly classic!

How about sweeping him off his feet with a timepiece watch that not only has great looks but at the same time comes with great functionality too. Make sure that the watch has a minimum style which makes it appropriate both for work and other casual parties. Men are usually more concerned about functionally than the design so make sure whatever watch you choose it must serve its purpose to his full interest.

Men are always fond of personalized gifts

You can shop for bottle lamps and photo frames that have a personal touch in it and at the same time will bring back some memories of the occasion too. You will find these personalized gifts on many online portals that offer you the convenience of sending a high-resolution image and they print it on your preferred choice of gift to be delivered to him on his birthday.

Saving some Money for him may prove to be a great idea

Well, a savings account opened just for him can also be a thoughtful gift for him. He would love to see some savings going in from your side and would love to contribute as this would help him manage finances to be handled every financial year especially during the month when tax deductions are done.

Gift him an adventure trip with his friends and he is sure to enjoy it.

With busy schedules of life, it often becomes difficult to take out time from office and home to go out and meet old friends. You can gift him a complete outstation package to go with his friends so that he can relish his old times with his friends away from home and work. This will mean a lot to him as he will get some time off to relax from his day to day responsibilities.

4 Reasons Why You Should Get Into the Home Renovation Business

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Home renovations have become an important part of the Canadian economy. Canadians are making a shift away from buying new homes in favor of renovating their existing spaces. There are a number of possible reasons for this, including low interest rates, old homes, and a changing real estate market. 

Regardless of the reasons, the home renovations industry is booming, and now is the time to get involved. Joining this industry as a business owner, contractor, or designer is a great way to take advantage of this huge moneymaker of an industry. 

Here are four reasons why working in the home renovation business is a good idea. 

#1 Fixing Homes Vs. Buying Homes

According to an article by the Financial Post, Canadians are spending more money fixing up their existing homes than they are buying new ones. A number of reasons my cause this flip in spending, including low interest rates. 

One expert cited in Post article suggests that low interest rates are beneficial for people who wish to renovate their homes. With interest rates as low as they are, homeowners who renew their mortgages are almost all getting a lower rate, leaving cash in their pockets. That cash can go toward home improvements and adjustments. 

In addition, there is a high number of homes across Canada that are fifty years old or older. Homes that are this old are dated in both style and construction, so buyers of these homes are investing in renovating them. The average renovation cost after a home purchase is nearly $10,000.

#2 Renovations Follow Real Estate

The real estate market in Canada is also influencing the number of home renovations that homeowners are undertaking. There is a huge discrepancy between the cost of a starter home and a luxury home, which seems to be driving more people to upgrade their existing spaces. 

The majority of spending on home remodeling is going toward cosmetic alterations and improvements. Indeed, 75% of spending in the industry is dedicated to adding square footage, bathroom remodeling, kitchen remodeling, granite renovations, and other similar changes. 

That means that only 25% of home renovation spending is dedicated to structural repairs on homes. 

#3 Growing Renovation Market

It should come as no surprise, after reading about the increase in home renovations, that the industry is growing. In 2014, Canadians spent $68 billion on remodeling their homes, an increase of a whopping $20 billion over 2013. 

Altus Group, a real estate research company, told the Financial Post that their research suggests that home remodeling is projected to grow by 3% in 2016, which is a rate faster than the Canadian economy as a whole. In fact, home renovation is a key component for the economy, making up 3.4% of the GDP. 

#4 Opportunities Are Everywhere

The number of opportunities in the home renovations industry is incalculable. There are so many aspects of this industryinterior design, construction, installation, demolitionthat finding a niche in this industry that fits your skills and interests is easy. 

One of the easiest ways to get involved in the home renovations industry is to invest in a franchise opportunity. There are franchises for kitchen remodeling, bathroom remodeling, or even more specific parts of the industry, like flooring updates or granite renovations. 

As the real estate market in Canada changes, so does the home renovations industry. The way interest rates, income disparities, and real estate markets have evolved indicates that the home renovations industry will be strong for many years to come. So find the area that interests you, and get involved!

What is your personal opinion? Can you give any more reasons why a person should get into the home renovation business? I would like to read your opinion in the comment section

4 Important Questions on No Guarantor Loans Are Solved Here

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Your steady monthly income does not signify how much financially secure you are? Your real ordeal is when you do not have a regular income and lots of expenses are mounting in your life. Funds in your deposit account seem to be insufficient and no relative or friend agrees to give you some money. It is such a tough situation to face, and applying for a loan is the only alternative remaining for you. Loans are the financial assistance, which bring dual advantages for the people. First, they able to avail funds quickly, and second, fulfilling the short term needs is quite possible now.

A foremost feature attached with the loan is that the lender provides it with rules and regulations. Banks are also the loan providers, but their loans are more specific. At here, the private lenders have an advantage because people approach them because of their variety in the loan terms and policies. They have options like no guarantor loans, which you will not find too much at the marketplace. These types of loans keep their hopes alive that despite having no guarantor to ensure the repayments, they are still eligible to apply for the loans.

Loans are available in multiple forms. It depends upon the people how they take their advantages. Therefore, it is intrinsic to prepare well before start applying for the loans. Setting priorities is more important because not all lenders are providing such flexible loans and in fact, few of them put strict conditions for the individuals with no guarantor available. Here are the few questions that need to be solved before applying for the loans:

Are you sure about your financial requirements?

Do you want funds to overcome your wedding expenses? Are your holidays coming nearer, but not have funds to enjoy them? All such necessities need to be fulfilled through sufficient amount of funds. The shortage of funds will not solve your purposes. Therefore, first of all you have to set your priorities and tell them to your loan company. If you are not clear about your requirements, no lender would able to provide you desired solution.

Are the eligibility conditions tough to follow?  

At first, a borrower thinks that is he or she is eligible for a particular loan. A major advantage that the reliable lenders provide to the people is that they do not put severe eligibility conditions for them. They try to keep everything simple where the borrowers with a valid bank account, income source and residence in the UK, are eligible to apply for the loans.

How you can apply for the loans?

The next question relates with these short term loans is the application procedure. But there is nothing to worry because the modern age lenders are accepting online loan applications where no less or paperwork is required. Borrowers only need to have an internet connection and then, visit to the lender's website to fill the online application form. Keep remember to put only the genuine details on the form and submit it at earliest.

Is there any issue of bad credit score?

One thing that is a matter of concern is the credit score of the borrowers. It is crucial to maintain a good credit score, but due to certain reasons, few people are not able to maintain credit scores, which are non-acceptable to the lenders. However, such compulsion is not included when someone is applying for no guarantor loans. These loans are also dedicated for the people carrying an adverse credit record, but want a loan to avail funds as well as to improve their credit scores.

4 Financial Copywriting Tips Every Writer Needs To Know

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Writing is an incredible career choice in this day and age.

Not only do you have the chance to be your own boss, the overhead costs are incredibly low.

When youre looking into this career track, it pays to follow some copywriting tips thatll steer you where you need to go.

Whether you specialize in financial copywriting or ghostwrite eBooks, follow these strategies to make the most out of your writing career.

Consider Your Financial Copywriting Needs And Arrangements

The main thing you need to worry about is fair compensation for your services.

Though writing is an artform that is arguably the most important and in-demand, its value is often disrespected.

To make sure youre paid what you deserve, set your rates in a way that helps you pay all your bills and business expenses.

According to national averages, copywriters bring in about $60,000 per year. You can set your rates up by the hour or by the project in order to make sure youre meeting these averages and beyond.

Develop Your Process

Your writing process is the foundation for your entire craft.

Some people work better in mornings, while others write whenever they feel inspired. Above all, make sure to set your life up to hit your deadlines with room to spare.

One tip that many writers recommend is to write something, anything, as soon as you get out of bed in the morning. This orients your brain around writing and helps you prepare for the days workload.

Youll also want to develop the office layout that helps you be productive, relaxed, and comfortable each and every day at work.

Build Your Life Around Your Career

Its important for you to make your writing a lifestyle.

You need to make sure that your mind, body, and spirit are taken care of, because it lends to great writing. Make sure that youre giving your brain a break and getting fresh air from time to time.

Avoid sitting for too long and take breaks from your screen. Meditation is a great way to keep your mind focused during a long workday. In fact, there are many writing-based meditation practices that can help you out.

Find Your Writing Niche

Youll find your audience and customer base when you focus on a niche.

Developing the right niche helps you to market yourself, while also getting better as a writer.

For instance, a financial copywriting professional may give updates on Walmart stock and cryptocurrency. Whatever your niche is, make sure that you become an authority and are constantly getting practice expressing yourself.

Check Out More Information To Help Build Your Career

When you follow these four tips, youll be in a great position to build your copywriting career.

We take pride in delivering great career tips that can help you find your way in your field. Our blog consists of tips for everything from promotional strategies to legal advice.

If youre looking to learn more about your career of choice, check out our blog posts and continue your research.

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3 Ways To Deal With Financial Management

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Financial Management is that aspect of Finance which teaches you to manage the finances of a firm. Any firm would be down to ruins if it did not have a proper Finance Manager to guide it and control and balance its expenses. Money is one of the major factors without whose constant presence even dreaming for a firms success is useless.

However, learning and understanding Financial Management is equally difficult too. Solely managing the Finances is not Financial Management, meeting the objective of the firms, is. In the process of learning the same, having difficulty in dealing with assignments is more than natural. This is precisely why you should seek Financial Management assignment help online whenever needed.

3 ways to deal with Financial Management

Financial Management is one of the most difficult yet important aspects of running a company. Here are 5 ways to help you deal with it as a subject:

1. Make notes, always.

You must always make sure that you make notes when youre being taught. This is so that you can opt for self help before actually seeking Financial Management homework help online. Notes will make it easier for you to look details up when your homework or assignment is due. Also, your pre exam preparation will be made easy with notes.

2. Focus on homework and assignment

To deal with Financial Management with the efficiency that you actually should, what you need to do is pay proper attention to its homework and assignment. Homework and assignments are assigned so as to develop your analytical and understanding abilities. Financial management if not understood properly can create a faulty future entrepreneur. Finance has is and always will be the most important aspect of any company. The goal should be to meet with all the financial needs and objectives of the company in the most efficient way imaginable.

However, Finance management isn't even half as easy a concept as you think it to be. The homework and assignment pertaining to the same is important but what is even more important is seeking Online Finance Management homework help at the right time from the right people. The online homework helping companies make sure that all your doubts are rendered clarity and that you are made to understand every concept with thorough detailing.

3. Read, read and research

Researching about a chapter or subject or reading about it deepens your understanding of the same. This is because when you know the story behind the chapter or subject, youll surely will to understand it better. This willingness will probe you to work harder. Online homework help companies always see to it that your research work is complete.

Even if you yourself do not do all the research, these companies help you with it and inform you of the same. This is why you must always seek Online Finance Management assignment help. Reading is the key to knowledge. Therefore, read more to understand more and deepen your knowledge about Finance Management.

3 Trust-Building Strategies for Your Business

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While most people believe that money is the biggest ruling asset in the world, the reality of business world proves that trust is all that matters. If your partners or customers dont trust you, then there is no way your company gets anywhere near being successful.

People value trust because they face it in daily life. We trust labels on food products, we trust our teachers that what they say is true, we trust our parents and spouses everything is built on trust relationships today. While each and everyone understands this fundamental truth, very few business owners actually put any effort to building this trust within their business.

Your goal as a business owner is to understand that trust is tangible and manageable. It is in messages that your writers create, its in the quality of work that your employees do, its in the level of comfort that you provide for your workers. Trust is a resource, so use it properly to receive quantifiable and long-term financial benefits.

How to measure trust?

For most business people of modern era there are three main components of trust:

Competence  Will you do what you tell you will? Your goal is to be reliable and transparent with your clients and partners.
Experience  Do you keep the promise? Learn from the mistakes of others and avoid your own. Be responsive to your audience, contact it via public medias, make improvements.
Values  Do you believe in what you do? If you dont believe in your own company then how can anyone else trust you after all? You have to project confidence and take responsibility for what you do.

Why trust matters?

The question might sound rhetorical, but just imagine that your company lost markets trust. What did you get? An absence of sales, cuts in the office, general dissatisfaction. This all demonstrates what trust actually means. Remember, publicity doesnt care if you forgot to turn off the light in the office or didnt donate a penny to kids in Africa you will have a black mark on your reputation. After any negative event in the life of your company, getting the previous trust back will be unbelievable hard!

But we need to come closer to the point, why trust matters for you in a financial sense? First of all, customer loyalty is everything. Between 22% and 44% of customers loyalty is driven by a simple trust to your brand. According to statistics from business analytics, companies with high level of customer trust are twice as likely to experience financial benefits within a year.

Secondly, you have employees loyalty. The more your people trust you, the less work your legal department will have because no one would be interested in leaving. Remember that you cant buy trust of your workers, but you can offer benefits, such as insurance, free gym classes, and even babysitting. Make your employees care and trust you to minimize turnover and exceed your revenue.

How to build trust?

The answer to this question deserves a full book to be written. Yet well try to shorten all information to the main points.

Behave trustworthily and  consistently;
Listen to and hear your stakeholders;
Be clear about companys values.

The points above sound easy, right? But the idea is to implement and maintain them inside of your business. If you dont know how, hire an expert, but do something. Dont let matters take their course control this process and improve it constantly. With proper supervision and control, your employees will relax and lose the fear of losing their jobs, your customers will remember that your services are the best and wont even look anywhere else; and your partners will know that you are the person of actions, not words. These three components can earn you a fortune, so dont miss a chance!

3 Tips for Small Business Year End Tax Planning

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Besides setting financial goals to grow your business, you also need to manage your financial responsibilities. One way is by ensuring you have a robust year-end tax planning process. Failing to do this, the business will suffer financial and legal consequences.

Small businesses face many big challenges. Some of them include:

Dependence on few clients
Maintaining cash flow while paying expenses
Fatigue due to pressure and overworking
Dependence on the business founder
Balancing quality and growth

While these challenges delay the success of the business, poor year end tax planning can kill it. Read on to learn more.

Tips for Year End Tax Planning

Every small business owner must know the requirements for tax planning and reporting. Businesses pay federal income taxes, local taxes, sales taxes, and employment taxes. Any mistakes and the Internal Revenue Service (IRS) will start breathing down your neck.

The IRS looks into false income reporting, accounting irregularities, and improper deductions. Getting it wrong exposes your business to penalties, fines, and fraud charges. 

Your goals should be:

To reduce your taxable income and tax rate
To take advantage of deductions and credits

Here are some tips to help with your year end tax planning:

Find the Right Tax Software

Tax software is an essential part of your planning. It is cost-efficient and it simplifies the process. It also:

Outlines the information requirements in the tax code
Allows for fast and secure e-filing of tax returns
Speeds up the receiving of refunds
Ensures tax deductions and credits
Removes errors and mathematical mistakes
Transfers federal tax information to state tax returns
Pulls business data (e.g. payroll) from other software

If you use a tax service bureau like UltimateTax, you also get access to support staff. They will help you with any software issues and answer your tax questions.

Having tax software keeps you prepared. People make the mistake of waiting until tax season to compile their financial data. Get detailed reports of your financial transactions throughout the year.

Hire an Accountant or Tax Consultant

While tax software completes some of the functions of an accountant, hiring one is still a good decision. They prepare payroll data, assist in auditing, review budgets and expenses, compile financial information, and maintain financial software.

Like a tax consultant, an accountant makes sure your small business is tax-compliant. He or she will calculate the various taxes and file the accurate returns.

These professionals know how to get deductions for your business. Some examples include travel, automobile, equipment, and home office deductions.

Another key function is to track annual changes in credits and deductions. Your accountants role is to ensure you get the maximum refunds possible. They also keep track of the deadlines for filing deductions and credit forms.

Determine Whether You Will Defer Income

Small businesses can defer their income to reduce their tax liability. They can use different options such as cash-basis accounting and accrual accounting.

Cash-basis involves sending invoices late to delay your income. Thus, the money isnt available for addition in the tax returns. Accrual involves delaying products and services. That way, you wont be paid in time for the current years taxes.

Get More Tips

It takes a lot of work to succeed as a small business owner. You have to find quick solutions to anything that may delay your success. The tips above are one example.

Visit our website to read more business topics and get great tips.

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3 Tips For Practical Life Skills Curriculum

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Many things in life are are better learned through experience, but life skills and financial literacy are too important to leave to chance. If life skills and financial literacy are not intentionally taught to our young people the mistakes young people make can effect the rest of their life.

There are many skills that have to be learned to efficiently go through life without any problems. In this article we will address life skills curriculum and financial literacy skills. Read on if you would like to know what to teach children to help them function well in life.

What are some important things that life skills curriculum should teach?

1) The first set of skills that a good life skills curriculum should teach are social skills. It is essential that people learn how to competently communicate with others. This can include talking, writing, use of body language or any other way. Regardless of how it is done the bottom line is that people need to know how to get along with each other.

Financial literacy skills are also extremely important. In today's age it is vital we prepare this generation with practical financial literacy skills before they leave home. Money is a necessary and significant part of life, so by learning these skills young people are better prepared to enter adult life. If people don't know to manage their finances they probably will experience a lot of issues later in life. You should focus on a practical financial literacy skill sets that they will use. Teaching financial literacy skills as a part of life skills curriculum is a vital component that affects many areas of their lives. Helping them achieve a level of financial comfort will help them be healthier, happier, have better relationship and be more involved in the community. The very core of a life skills curriculum should be the teaching of practical money management strategies.

3) Another important skill set in an effective life skills curriculum is relationships. The ability to form and maintain relationships affect every aspect of our life from business to personal. Some people pick these skills up along the way, but the increase in divorces indicates communication must be taught. In this day and age, we must share with the younger generation the traits that people in successful relationships have in common. People should be aware of these for there is only one chance for them to learn before they permanently hurt themselves or others.

It is essential that a life skills curriculum contain all three of the steps mentioned above. You also want to make sure it is engaging and entertaining so the students or your children remember and internalize the information taught. This can be one of the most important subjects you provide today's youth since it will have both a long lasting and positive impact on their lives and the lives of those they love.

3 Simple Steps To Manage Your Budget & Cashflow

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I bet just the very title of this article is enough to make you run for cover! Along with paper piles, budget and Cashflow is another area that can drive solo business owners over the edge! In your corporate days you would have had a bookkeeping/accounting department that took care of all of this for you - they paid the invoices, they tracked the receivables, they tracked the income, and they told you the bottom line!

Now that you're running your own business you are also the Chief Financial Officer, and it can be very overwhelming. However, it needn't be... let me share with you three simple steps that you can put in place to manage your budget and Cashflow.

What is a Cashflow projection?

One important area of your Financial Management System is that of a Cashflow projection. Put simply, a Cashflow projection shows whether your anticipated income will be able to cover your expected (projected) expenses and this report is very beneficial to you in your business.

It is an annual report and, if set up correctly, will show you how cash will flow through your business throughout the current financial year. I've been using a Cashflow report in my business for many years and find it invaluable. Just recently the chance to participate in a high-profile teleclass series came up, and because I have my systems in place, I knew straightaway that it was something I could take part in!

Step 1 - Create Your Cashflow Report

This is very easy to do using a spreadsheet. Create a column that lists all of your expenses, i.e. office supplies, legal & professional fees, membership, advertising etc. and a column for each month of the year. You will need to create formulae that will tell you your total income, total expenses, and subtracts the expenses from the income, and also carries forward any amounts from month-to-month. This is so you can see how your finances are 'flowing' throughout the year.

Step 2 - Input Your Data

Taking your financial data from your bookkeeping system input your actual income and expenses, and list any projected expenses in the appropriate row/column. Your Cashflow report will now show you at-a-glance any time periods for which you will need to be especially aware of. For example you may have a lot of expenses in one particular month so you'll know that the previous month you'll need to make sure that you have the funds kept back in your bank account to take care of those upcoming expenses.

It will also show you if you can afford to make an investment in your business, whether that's signing up for a new service or membership club, taking out an advertisement, or buying new equipment.

Your Cashflow projection can also be used as a budget planner. You can plan out when annual memberships are due and put those in ahead of time. You can also add in an amount for when your taxes are due. This will provide you with a really good feel of how cash is flowing through your business, month after month, throughout the year, and you can also tell how much you can take off for owners draw, but still leave enough to cover the anticipated expenses.

Step 3 - Schedule In The Time

Now that you have your Cashflow report in place, it's important that you update it regularly so that you can stay aware of how cash is flowing through your business, and take any actions necessary so that you have enough to cover all of your anticipated expenses.

I recommend scheduling in at least 30 minutes once a month to update this critical financial management report.

A Final Thought...

Having an annual Cashflow projection will provide you with all of the information you need so that you can keep on top of your business financially and know where you are.

If you have a bookkeeper taking care of all your financial records for you, ask them to prepare your monthly Cashflow report for you.

3 Simple Principles Of Financial Decision Making

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A successful investor friend of mine recently invited me to hear a well-known tax professional speak on strategies to minimize your tax bill. The presenter spoke for an hour about simple strategies, and then he offered the audience an opportunity to purchase what he described as a no brainer strategy. The detailed overview of the program (complete with video footage) seemed fabulous - particularly when he included the added incentive if we signed up before Friday.

A sales pitch with information attached
This situation is repeated over and over again - sometimes in financial terms, sometimes in retail, or other similar environments (ever watched an infomercial?) Basically, it's a sales pitch, with some good information attached. This time it was a group setting, but it can also be found in a one-on-one with a financial professional, or even with your neighbour. It could also be offered to you in written or other media format by an unknown third party. These opportunities come up almost every day, but the bottom line is always the same: how do we decide if this is really the answer to our prayers, the road to riches, or simply a sales pitch and someone's opinion?

Take the stress out of financial decisions
I am not going to offer an evaluation of this specific opportunity; rather I'll use it as an example to help you take the stress out of making financial decisions. I originally developed these principles while working with securities regulators to update their program on avoiding investment fraud. They are: KNOW YOURSELF; KNOW YOUR ADVISOR; KNOW YOUR INVESTMENT.

Know Yourself
Your most important decision making criteria is to understand your motivation for being interested in the first place. What do you expect to learn? What are your hopes, desires, and incentives that you want this strategy to address? You must know what you expect, and then you must know why you have that expectation!

I went to this presentation because I am looking for ways to save tax; because I am always on the lookout for different and creative financial strategies; because I respect my friend's position as a professional investor and wanted to learn more about something he believed in; and I wanted to hear the speaker. My motivation was simple: I really, really, really don't want to end up with a big tax bill this year. Also, in my profession I am frequently asked about different investment strategies - not just ones that I recommend, but others that are available in the marketplace. I feel I have a professional responsibility to learn what I can about what's available - good or bad.

Know Your Advisor
The next check point in making financial decisions is to learn about the person making the offer to you: How do they get paid? What is their background? What is their expertise and experience? How well do they know you, your goals, your situation, and your background?

In my example, I knew of the speaker, and my friend is someone I can talk with openly about our personal finances. He has a strong investment background and I am a professional advisor. But, if my husband and I had gone by ourselves, then we would have wanted to ask someone else what they thought of the strategy for us, and if our advisor wasn't at the meeting, or had no previous experience with this type of program, then we would be left on our own to make the decision or left to interpret his opinion of the strategy, and our goals.

Know Your Investment
Finally, the financial decision process moves to the specific investment or strategy itself. This is always where people get bogged down because they focus on one aspect of the program: usually rate of return or tax. This is where presenters can bring in emotional elements into the discussion. Yes, we all know that a higher return is better than a lower one, and less tax is better than more, butthere are many more important considerations to make first!!! The return and tax aspects become important only after everything else is in place. First, consider your overall investment philosophy, what the product is, what your exit strategy will be, and how long you plan to hold the investment.

Not every solution will work for you
For us, the strategy could work with our situation, goals and experience. However, many people who attended the meeting feeling likely felt that this was something they should do but weren't sure. There would also have been people there who decided to participate in the program because they were caught up in the excitement, without being fully aware of all the details. The presenter used smooth presentation skills to convey the strategy and given the circumstances, he could have raised some red flags for people hearing the message for the first time. He certainly created a feeling of pressure to act right away, emphasized the great tax advantages, and introduced a concept that would be new and different for most people.

Remember to do your homework
That doesn't mean that the strategy or investment is automatically bad, it simply means you have to do some homework before you make your decision. In fact, the sort of due diligence that you would perform in making a decision to participate in something new is really the same criteria you need to consider in all financial decisions. It is so easy to get complacent and comfortable with the same message, and therefore forge ahead because it is familiar - not necessarily because it is right, good, or even appropriate - only because it is familiar.

Be aware of your emotions
The point to this example is to learn to become aware of your emotions when making decisions. There are many simple, practical strategies that can be used to make logical, sound, strategic financial decisions. When you take out your emotions and put it some real criteria, then you can make decisions confidently and be in a position to take advantage of opportunities that can really make a difference in your financial life!!

You can learn how to make profitable financial decisions, and as your knowledge increases so will the opportunities. Start with the knowledge you have and make a commitment to learn. There are so many resources available - the alternative is to continue to second guess or struggle financially, when it is absolutely not necessary!!

3 Powerful Methods To Make Easy Money Online

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In this article you will discover how to generate easy money online with affiliate marketing. Affiliate marketing is a partnership between an internet merchant and an affiliate, in which the affiliate earns a commission every time he generates a sale for the merchant. It is the ultimate win win situation because both the affiliate and the merchant get paid. Having affiliates is great for merchants because it creates more exposure for the business, thus resulting in pretty easy money online. If the merchant manages to have more affiliates that are workhorses, his or her income will dramatically increase.

By having affiliates, the merchant is able to also save an incredible amount of time because he doesn't have to do as much marketing. The affiliate is given an affiliate link that credits him for the sale. When people access the merchant's site through the affiliate link, the affiliate will be paid a percentage of the sale. In some cases, it can be up to 75% of the sale, thus allowing him to make easy money online. What is great about affiliate marketing is that in most cases you don't have to spend anything to get started. However, you must follow 3 simple steps if you want to succeed with affiliate marketing.

The first step is to find a niche that you are interested in. For example, if you are into gardening, you can find a product that has to do with gardening. It is very important that you find something that you are passionate about because if you don't, it will be difficult to get yourself motivated to promote the product. You can definitely generate easy money online if you apply this carefully. Take some time to brainstorm what you are interested in and then do a search engine search on sites like Google and Yahoo to find specific affiliate programs based on your interests.

The second step you need to focus on is finding the type of affiliate programs that actually pay you for your efforts. This way, you won't be wasting your time promoting products that don't compensate you properly. After all, your goal is to make easy money online. I recommend finding programs that pay you at least 50% of the sale.

The third vital step when it comes to making easy money online with affiliate programs is to start promoting the product in as many ways as possible. You have to remember that if there is no traffic coming into your affiliate page, you won't make any money. If you want to make easy money online, you need to learn basic online marketing concepts. Make sure you study books that talk about marketing on the internet. There are many resources online that will show you how to do effective marketing.

Never forget that success won't come overnight and that it requires persistent work and dedication. Nothing great in life comes easy. You can definitely make easy money online if you commit to put in the required work. You can achieve any kind of success you can dream of if you have what it takes.

3 Costly Financial Planning Mistakes People Make and How to Avoid Them When you Bank On Yourself

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Are you making any of these 3 costly mistakes most people make with their finances? Take a look below and then find out how you can bank on yourself to bullet-proof your financial plan

Mistake #1: Thinking "diversification" in your investments and savings plans means having a mix of stocks, funds and equities (such as small cap, large cap and international), bonds and maybe some real estate.

For most people, this is what constitutes "diversification." But how much control do you REALLY have over your financial future, when most of your assets are in these types of vehicles?

The day after the stock market took its biggest single-day plunge since the 9/11 attacks, I got an interesting email from a subscriber to my newsletter, in response to my asking him if his financial plan was working.

He replied, "It was until yesterday."

Here's a news flash for you if your financial plan is affected by things that are totally out of your control, like the Chinese government deciding its economy is growing too fast, a terrorist attack where the Vice President is, or a computer glitch at Dow Jones (all factors that contributed to the steep drop)

You don't HAVE a financial plan!

If your financial picture is affected (or you lose a wink of sleep), because major mortgage companies have a surge in defaults or are being investigated for a variety of misdeeds or because housing starts fell or because unemployment claims rose or because the SEC filed criminal charges of conspiracy, fraud and bribery against Wall Street's best-known investment banks (these are all recent headlines affecting the market)

You DON'T have a financial plan!

All you have is a hope and a prayer.

You may as well just plunk your nest-egg down on a gaming table in Vegas! You might at least have a few hours of fun.

The foundation of a solid financial plan, that will get you where you need to be, MUST include vehicles that will give you consistent and predictable growth.

Mistake #2: Thinking you'll come out ahead by postponing your taxes, when you save money in a tax-deferred retirement plan.

If you're like most people, the idea of postponing taxes is very attractive. But do you REALLY come out ahead when you do that? Let's look at the numbers, which reveal a surprisingly unexpected outcome

If you were to put $4,000 a year into a traditional tax-deferred 401(k), IRA or pension plan for 24 years (for a total of $96,000), and earn 6% annually on it, you'd have $209,807. However, if you are in the 28% tax bracket, after paying taxes you'll end up with $151,061.

But, what happens if you put the same amount into a plan, where you pay taxes on your contributions in the year you make the contribution [such as a Roth IRA or Roth 401(k) plan], but you get to take your withdrawals tax-free?

After paying taxes on your $4,000 each year (assuming the same 28% tax bracket applies), your annual contribution would be $2,880. If you did this for 24 years, earning 6% annually as in the first scenario, you'd end up with... $151,061!

Whoa! That's the EXACT same amount!

However - and this is a BIG "however" - when you withdraw that $209,807 from a tax-deferred plan, as in the first scenario, you have to pay taxes on the ENTIRE $209,807 - the $96,000 you contributed AND the $113,807 of interest you earned.

But, when you put that same $96,000 into a plan after taxes (like the second scenario above), you only pay taxes on the $96,000 you contributed. You can get all the GROWTH earned in the plan, TAX-FREE, if you follow certain guidelines, according to current tax law.

Which would you rather do - pay the government 28% of $209,807 ($58,746)... or 28% of $96,000 ($26,880)?

That's a Whopping 118% More Tax!

Plus, most experts now predict taxes can only INCREASE, for a number of reasons, so you can expect your tax bite to be even bigger.

There are other legal and proven plans that give you the same advantages as Roth-type plans, plus MANY additional benefits, although your financial planner or CPA might not be aware of them.

Mistake #3: Depending on the government or an employer for your financial security.

With Social Security and Medicare headed toward bankruptcy, the government and most experts warning that we're going to have to work much longer, retire on much less, or BOTH, a pension crisis looming that could dash the retirement hopes of many what CAN you count on?

According to Fortune Magazine (and many others), "You must be the captain of your own (financial) ship. You can no longer depend on the government or an employer to bail you out."

That means you need to bank on yourself and nobody else.

Financial and retirement planning the "conventional wisdom" way clearly isn't working. You can stick your head in the sand and "pretend it ain't so," or you can change course and use proven strategies that DO work in today's economic environment.

Consider incorporating a strategy or vehicle into your financial plan that gives you ALL of the following benefits:

1. Your money grows each and EVERY year, no matter what happens in the stock or real estate markets, or the economy

2. Both your principal AND gains are locked in and you CAN'T go backwards

3. You can get access to your equity in the account or plan any time you want, with NO penalties for withdrawals or for taking too little or too much

4. You can borrow your equity in the account or plan, use it to invest in something else, or to buy something, and your money in the account continues growing as if you never touched a dime

5. The plan or account allows you to use your equity to become your own source of financing and bank on yourself, so you pocket the interest you'd otherwise pay to banks and financial institutions, plus it lets you recapture the ENTIRE purchase price of big-ticket items you purchase this way. [(c) 2007 Pamela Yellen]

Why Do You Need A Mortgage Broker Harrogate

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An independent mortgage broker Harrogate is an expert, experienced, and above all, unbiased in offering you mortgage advice Harrogate. They will first check your financial details in order to ensure that you can afford a mortgage. Some of the leading mortgage advisors have tie-up with the lenders and as a result of this, you get exclusive offers which you may not receive if you approach the lender directly.

The advisor helps the borrowers to take note of all the useful features of the mortgage as well as costs, limitations associated with it. Because of this, it becomes easier for you to choose the mortgage that is most suitable for you. If you are not aware of legalities involved in the process of mortgage, you can ask your mortgage advisor to guide and also do the entire paperwork for you. When it comes to the fee of the mortgage advisors, there can be two options. In the first option, the advisor will charge you for his/her service and the fee will depend on the product you choose or on the value of your mortgage. In case he/she does not charge you, they will receive commission from your lender.

You should ask them about their fees up-front and he/she should also inform you if they receive commissions from the lender. This will bring transparency to the entire process. The broker is also expected to give you a mortgage illustration document clearly stating their recommendation regarding the product. A good advisor will always ensure that the legal formalities are followed and you receive the best mortgage advice Harrogate.

The mortgage broker Harrogate will inform you on the factors to be given importance in your mortgage. They will inform you why it is not wise to look at the lowest interest rate while choosing your mortgage. For example, you should look out for Annual Percentage Rate of Change or APRC. This shows the combined figure as a percentage, after considering the interest rate and the mortgage fee. The broker will advise you on the ideal figure for your mortgage.

The interest rate varies with the size of the deposit as well. You receive lower interest rate for a higher deposit. The broker will also make you aware of the standard rate, which is the rate at which you will be charged by the lender once your mortgage ends its fixed rate deal.
If you do not know how often the interest will be charged, you can ask your mortgage advisor. You can pay it daily, monthly or even annually and the daily interest is cheaper than the other two options.

The mortgage you are about to take should be flexible in terms of overpaying. The lender should not charge you if you do so. Check if the lender should charges you if you take a break from making your payments. Your mortgage broker Harrogate will also inform you on selecting the type of interest rate, fixed or variable, and which will offer you more benefits. So, now you must have understood why it is important to choose your broker carefully in order to get the best mortgage advice Harrogate. You can go through the portals of the independent advisors and compare their services to choose the most reliable one.

The Lioncoin Came Out, What Does It Take To Replace Bitcoin

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In June 2017, the Alpha Blockchain Labs team took three years to develop the 6th generation encrypted digital currency Lioncoin (abbreviated as LNC) finally came out, and then it obtained FCA and FINRA dual digital encryption license certification. After more than half a year of initial mining and certification, LNC was officially launched on February 2018 to the global market.
The birth and distribution of LNC can not be separated from the professionalism and strength of its development team. Alpha Blockchain Labs is made up of core members of research and development teams such as Wright coin, ETH, and Ribbon, as well as professors and experts from several universities. It can be said to be a gathering of all the core members of the current hot digital currency team. They are not only experienced, their strong technical strength is also recognized by the industry. Such a group of industry leaders with both industry vision and operational experience are not satisfied with the current market digital currency status quo, doing the existing block chain technology in-depth research, improvement and integration. Furthermore, a new generation of encrypted digital currency is developed, which integrates the advantages of the existing digital currency and combines the advantages of the existing digital currency. Seeing this, one cannot help having such a question in heart: What is superiority of LNC, and why is it worth investing?

First of all, LNC adopts the most advanced hybrid block chain technology, which takes the optimized Scrypt+HASH algorithm as the core, by using the innovative "POW+TPOS+POSL" proof method, constructing the intelligent contract system in a groundbreaking way. LNCAI is an open protocol system and a cyclic system based on P2P protocol and intelligent contract. It is able to realize registration, authentication, transformation, exchange, gambling, circulation, and other more complex interoperable operations on a variety of digital assets.

Second, the block-chain system behind it has also improved in versions that are now widely used. LNC adopts five layers: application layer, contract layer, logical layer, data layer and security layer. The application layer provides users with good application interface to the multi-terminal, which is convenient for users to manage the assets. The contract layer adopts the joint venture contract and the joint control contract to issue and manage the assets. The logic layer is the core of the algorithm, doing logical judgment of operation behavior of users and determinating related behavior instructions. The data layer uses the distributed account book + distributed computing technology to realize the detailed record of assets issue, consumption, exchange and so on, which makes digital currency more transparent, compatible, have nature of more traceability and no fault tolerance. The security layer uses the military-level security defense algorithm to protect the digital assets of users.

In terms of volume, the LNC is much larger than Bitcoin. The total design amount is 99 million.Among them, the initial mining capacity is 9 million, selling mainly through online subscription. In addition, the late mining capacity of LNC is 90 million, which is used to pay interest on holding currency, promote incentive, online activity reward, etc. For its playing method, Alpha Blockchain Labs has also designed a variety of ways for users to play. Players generate blocks by themselves or by promoting others' participation in contributing to the community, and each block is rewarded with a newly created LNC. In addition, players can also achieve wealth preservation and appreciation through fair over-the-counter transactions. At the same time, players can be in the LNC independent development of the global commodity free trade platform and carry on offline and online consumption with merchants, achieving the actual use of LNC scene.

The positioning of LNC is not the only one, it is a digital currency but also a payment system. It can pay, accept, store any currency, including the United States dollar, rouble, euro, RMB, etc. and virtual currency such as Bitcoin, Wright coin, and indirect currencies such as gold, silver, and valuable financial derivatives. So LNC can also be called an open platform, an industry standard. Compared to global popular bitcoin, Lioncoin is more comprehensive.

In the future, LNC will be committed to the creation of digital money which has circulating value and investment value and can be in real use. Its core is put on commercial application and daily life payment, docking all kinds of businessmen in clothing, food, housing, food, drink and play, spreading to area of social society, electronic commerce, circulation, finance, internet, internet of things, and so on. It creates a global free trade platform for users and allows players holding LNC to pay and consume all over the world. Thus, LNC generates value in circulation.

Smart investors know how to get ahead of everyone else in the early days of each project. Are you the smart one?

Media contact

Company Name: Alpha Blockchain Labs

Contact Person: Justin Gardner

Address: Washington, DC

Tele: +1-320-402-2880

E-mail: ilioncoin@gmail.com

Website: www.lnc.io

North Carolina Credit Union Vs Banks

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At first, you might be tempted to go to your local bank and ask for help or advice on how to deal with a certain financial situation that is currently affecting your life. The truth is that it would be much better to just get in touch with a North Carolina credit union and see what the consultant you find there has to say. The consultant working for the North Carolina state credit union does not work on commission, which means that the advice he provides is genuine.
You could not say the same about the bank consultant that depends on various levels of commission and that is forced to promote the institutions services, regardless if you need them or not. At some point, you will realize that you are paying a lot more money than you should because you were convinced that you had to opt for all sorts of additional services. The situation can be truly critical, especially if you feel that the local bank is your last option.
So, you believe whatever the bank consultant tells you and choose to sign whatever contract they give you so that you can buy that new car or renovate your house. You can be certain that this will not be the case when you rely on the expertise of a North Carolina credit union. When you become a member of such a financial institution, you are not a client, but a co-owner. This means that all the services provided by the consultant working here are designed to cater to your needs in the best manner possible.
Even if your credit score is not perfect, this does not mean that you will not be able to get the loan you require to afford the project you have in mind. At the same time, you should be aware of the fact that any services they might recommend, you do not have to worry about them being unnecessary. The interesting fact that you should know about banks is that they have such a good reputation due to the marketing campaigns that they invest in.
Somehow people consider that the bank is their only option when they want to get a loan. They forget about the fact that there other lenders on the market that could cater to their needs. The most important factor that should contribute to the decision making process is the situation with the commission. How can you trust someone to offer you a financial solution if they can earn more money by convincing you to opt for a specific service? It would be so much better if you opted for the help of a North Carolina state credit union consultant.
Somehow people consider that the bank is their only option when they want to get a loan. They forget about the fact that there other lenders on the market that could cater to their needs. The most important factor that should contribute to the decision making process is the situation with the commission. How can you trust someone to offer you a financial solution if they can earn more money by convincing you to opt for a specific service? It would be so much better if you opted for the help of a North Carolina state credit union consultant.

WTF or WTG What's Going on in Your Head

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You can learn the strategies. You can use the latest and greatest system. You can put a ton of money into training, advertising and a team and STILL get crappy results based on a crappy attitude.

WTG = Way to Go!

Have you ever had any such light bulb moments where something turned into incredibly clear? I had any such moments this morning.

If it seems you are hitting roadblock after roadblock you would be effectively served to pay very close cognizance to what you say to yourself and others. What attitude do you wake up with and hold on to all through the day? Do you take responsibility for your actions or do you blame outside circumstances for why things are not working in your favor. Outside circumstances can be other employees, the economy, competition, increased vendor charges, etc.
Whether or not you believe this, your energy is one of the main significant aspects of success. As has been said, Its not what happens that matters. Its what I do with it that makes all the variation.
Some employees are so conditioned to stay in the WTF attitude that even when they make a sale they say, Yeah but, I need more sales. Or when an answer is offered by someone whos been where they are at they say, Yeah but! to the answer.
Seriously?!?!

Its up to you.

I have an fantastic mentor who is teaching me step-by-step what to do.

Its the attitude that after you hit a wall you dont keep beating your head against the wall saying, WTF why does this always happen to me? but rather the WTG you figured out one more thing that isnt working.

They evaluate the situation, adjust accordingly and start again.

9. Exercise on a regular basis. This one is huge. Ive gone through periods where Ive been totally committed to my physical effectively being and other times, not at all. During the times I put my health on the back burner, things go south pretty fast. I dont feel sensible, my mood isn't as sensible as it could be and I may even fall into the life sucks mode. By exercising I am getting a lot need oxygen that keeps my mind clear, my heart beating and my attitude on song.

8. Get 100% honest about how a lot focused effort I am placing into a project. I can without problems fool myself into believing Im giving 100% to an end result by constantly checking emails, playing around on Facebook, cleaning out a drawer or any sort of things that keep me from doing the one thing where I may get rejected so I all right steer clear of it. And if Im not avoiding it, Im kicking and screaming the overall way thus sabotaging my success.

WTF or WTG?

4. Manage my energy through prayer and meditation.

2.Surround myself with others who also live in the space of gratitude.

WTF = What the F&*K!

Truth be told, you, and only you, are responsible for your mindset. Your mindset determines the form of actions you take and the energy you bring to the game. Your actions are what create the juice in life.

Im working on a new branch of my business requiring time to learn, study, implement and test. In addition, theres a financial investment Ive made and continue to make.

7. Find someone who is less fortunate than me and help them out. When we willingly serve others from the heart its amazing how fast we get out of our stinking thinking and into a place of gratitude.

Ive taken his advice to heart. The first attempt at this new endeavor did not furnish me a huge windfall of success. Quite the opposite. And but, it used to be the 1st attempt. I could quit with a huge, resounding WTF or I can continue with WTG. I choose WTG and should keep going.

I chose to study under this expert because of his results. He is recognized as one of the main profitable employees in this unprecedented industry. Last 12 months he made $1,800,000 selling a distinctive product online. Yes, you read right one million, eight hundred thousand.

Building his business didnt happen with no obstacles, setbacks, failures and frustration. Yet, in spite of this (or maybe for this reason) he maintains an fantastic attitude.

Granted, not everyone wants what you have. However, I can make certain that there's a community of those that could be rabid fans if you would simply furnish them the chance and get excited about all the possibilities that life has in store for you. Are you sure this community knows you exist? And if they do, what energy are you giving themWTF or WTG?

The only butt you will want is the one you sit down on.

So what can you do to shift your attitude? Here are a few things I do on a daily basis that took me from an attitude that literally ended me up on the streets in my mid 20s to one where I have such an appreciation for the blessings in my life that regardless of outward evidence, I KNOW things are all working out in my favor.

10. Avoid living in regret of the past and learn from these things that didnt work the way I had hoped. Vow to do things differently.

6. Find out what others did to know their success and rather than say, Thats easy for you, but Im so flipping unique, it wouldnt work for me, I say, If you can do it, I certainly can too. I just need to find out what to do after which do it.

1. Count my blessings by focusing on what I have to be grateful for every and every day.

You can live a lukewarm life or you could be so on fire with passion that folks are incredibly attracted to you and what it's essential to supply.

Lots of employees dream of running a profitable business where no problems exist and the overall lot works the 1st time they launch it. To me thats a huge WTF!

95% of your business success is based on your attitude. An attitude where you are willing to place the time into learning what you will want to, management your energy when things dont outwardly appear to be working and stay the course with an attitude of gratitude.

My light bulb moment used to be this; to go from lukewarm to passionate is often as simple as changing one tiny thing a letter of the alphabet.

Want to find out what it really takes to succeed? Why not ask experts who have highly profitable businesses? I can assure you, they've got crap happen all the time.

12.Repeat #1 all through my day.

Im not speaking a Pollyanna, head in the clouds type of attitude, but rather one that permits him to management his energy when things dont appear to be working out.

11. Stay as present in this present day as is humanly possible. Step #4 is crucial to being ready to stay present.

3. Realize that what I see in the natural isn't all there is. The Universe is conspiring in my favor for things to work out. What may seem like a roadblock may be the very thing thats necessary for me to be open to something bigger and better than I could ever think up on my own.

Heres a real time example in my business.

Another reason I decided to work with John is his attitude. Not only his business attitude, but towards his family, friends, clients, God and life. People often tell him how lucky he is. Actually, luck isn't his secret weapon. Attitude is.

5. Have a mentor who I can confide in when Im feeling small.

Dont expect to make money immediately Kathleen, my mentor cautioned. Youll likely need to test, test, test several times before you hit the target. Once you do its magical, John stated.

Just because you didnt get the sale on your first call, you didnt sell hundreds of thousands of dollars worthy of stuff with one email and you had only a handful of employees show up on your teleseminar, webinar or live event, does not mean youve failed. It means you likely have more work to do.

Crap that might likely shock you. Yet, when the poop hits the fan they dont say, This isnt fair. Why did this have to happen? This is way too hard.

One letter apart with a world of difference in the meaning and outcome.

Nope! They management their thoughts and energy. Sure, they might have brief periods where they fall victim to an attitude that's not serving them, but they are fast to shake this off.

Is A North Carolina State Credit Union Worth Your Time

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If you have gotten to the point where you ask yourself if a North Carolina credit union is worth your while, you have probably had to deal with some pretty rude or unhelpful bank consultants. The undeniable truth is that a North Carolina state credit union can offer you many more advantages than a bank could, especially if you are a member that does not have the best possible credit score. Lets say that you are ready to buy a house, but do not really know how you are going to get the money you need for this project.
Well, you probably know that you have a few different options starting with the fact that you can decide to put money aside each month until you can afford to buy property without needing the help of a North Carolina credit union or any other financial institution. Despite the fact that this might seem like the safest option, you should be aware of the fact that setting money aside is not as simple as some might think.
You will need to give up all sorts of things and whenever you want to buy something or go somewhere, you will have to think twice. At the same time, houses are incredibly expensive nowadays, which means that saving up enough money to afford one means that you will need to make all sorts of sacrifices for many years to come. It would be much simpler if you just applied for a loan. But where? Lets say that you choose to rely on a bank. If your credit score is not that great, your application will definitely be rejected.
In this case, you could choose to do everything in your power to improve your credit score or you could allow the bank consultant to convince you that paying a higher interest rate is the only solution that you can come across. But, if you take the time to visit a North Carolina state credit union and talk to the consultants you find there, you will be able to learn that your credit score might just be good enough for them. If that is not the case, they can provide advice on how to get it back up so that you can get the required loan.
You will not be tricked into paying a higher interest rate for decades to come. Usually this is how long it takes to pay back a loan that you need for a new house. Do some research and see for yourself just how different credit unions are from banks. You will never even consider trusting banks again when you need money or financial advice.

You will need to give up all sorts of things and whenever you want to buy something or go somewhere, you will have to think twice. At the same time, houses are incredibly expensive nowadays, which means that saving up enough money to afford one means that you will need to make all sorts of sacrifices for many years to come. It would be much simpler if you just applied for a loan. But where? Lets say that you choose to rely on a bank. If your credit score is not that great, your application will definitely be rejected.
In this case, you could choose to do everything in your power to improve your credit score or you could allow the bank consultant to convince you that paying a higher interest rate is the only solution that you can come across. But, if you take the time to visit a North Carolina state credit union and talk to the consultants you find there, you will be able to learn that your credit score might just be good enough for them. If that is not the case, they can provide advice on how to get it back up so that you can get the required loan.
You will not be tricked into paying a higher interest rate for decades to come. Usually this is how long it takes to pay back a loan that you need for a new house. Do some research and see for yourself just how different credit unions are from banks. You will never even consider trusting banks again when you need money or financial advice.

Global Nash Therapeutics Market Is Expected To Grow At A Cagr Of 25.56% During 2020-2030

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The Global NASH Market is growing at a moderate rate over last five years on account of rising number of obesity among young population. NASH (non-alcoholic steatohepatitis) is a large, un-tapped market with no FDA approved therapeutics. Antioxidants, anti-diabetic medications, anti-obesity medications and antihyper Lipidemics are some of the off-label products currently used by NASH patients. Moreover, increase in number of patients suffering from fat in liver disorder is further anticipated to boost the Global NASH market in the coming years.

The Global NASH Market is projected to display a vigorous growth represented by a CAGR of 25.56% during 2020 2030, chiefly driven by rising prevalence of diabetes and obesity and rising alcohol consumption all around world. In recent decade, rising prevalence of this disease has stimulated abundant research and development.

The commercialization of NASH therapeutic and diagnostics simultaneously with the growing popularity of the diagnostic biomarker technologies in the diagnostic of the liver diseases are anticipated to accelerate the market growth. In the global NASH make there are no approved drugs, only off label drugs are sold in the market. The NASH Off-Label drug market is anticipated to advance at significant rate due to growing global rate of obesity and diabetes and expected launch of new NASH specific treatment.

The US NASH Off-Label drug market is estimated to have around 89% of the global market share which is further expected to advance at higher rate owing to the growing prevalence of obesity and diabetes in line with the expected launch of the drugs. In western industrialized countries, the prevalence rate is anticipated to be nearly 20% to 40%. Among the regions, North America has the highest number of research initiatives concerning NASH and holds nearly half of the global market share. It is also one of the regions with the most cases of NASH and other non-alcoholic fatty liver diseases. However, factors such as lack of a reliable method for diagnosis, unclear understanding of the Pathophysiology of NASH and slow drug development have been restraining the growth in the market.
global non-alcoholic steatohepatitis drug specific market is estimated to start growing by 2020 at a CAGR of 25.56% during 2020-2030, due to the projected product launches in 2020. Surge in cycles of clinical trials and their success rate has improved the probability of industries receiving commercial approval for NASH therapeutics by the end of 2020. Additionally, the absence of efficient diagnostic technologies acts as a major hurdle for the research of NASH therapeutics. Nevertheless, the emergence of novel biomarker technologies and improvements in liver biopsy technologies are expected to bring about an evolution in the diagnosis of NASH and other fatty liver diseases. Despite of these challenges, certain key players such as Galmed Pharmaceuticals, Gilead Sciences, Novo Nordisk, Genfit, Intercept and Galectin Therapeutics are conducting extensive research on NASH therapeutics and are receiving positive results from clinical trials. But, the low diagnosis rates, low prescription rates and low treatment seeking rates continue to pose significant challenges for these emerging players.

Information based on below report:

https://goo.gl/vTvQFb

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WhyBuying Dubai Properties Is A Good Investment

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There are now a lot of attractions that are built in Dubai and this would influence in an increase in tourist visitors in Dubai. If you can deal with a belongings in some famous places like Jumeirah Village, Dubai Sports City and Jumeirah Lake, The Burj Dubai etc. then you have a positive opportunity that you will give you the option to rent out your belongings to individuals going there on holiday.

There are several reasons why be certain you settle for as true with Dubai for your real estate investment. In fact Dubai properties are nowadays's hot selling properties in the international real estate market. Investment in apartments, offices or villas in Dubai can be the most important milestone in life.

Buy, sell or rent, you can do whatever else you want and in every case you can predict a quick return of your investment. Actually Dubai is now a service center and a financial service hub for the foreigners. The number of foreigners is increasing day by day in Dubai. They are gathering there to work with a high pay and tax-free repute. The standard rental quantity of properties in Dubai is now standard. At present the single apartments are providing the final amenities in terms of rental. The foreigners who work in Dubai are single individuals. And so this would be a extremely good real estate investment offer for you.

At present Dubai is one of the famous cities in the world. For its non-stop booming at different parts corresponding to tourism industry and Dubai Property industry, Dubai has flip out to be the center of enchantment for thousands of individuals and businessmen worldwide. Now Dubai is moving away from its classic oil reliance to a more balanced one centered on tourism and services. Therefore, the economy of Dubai has grown with more and more tourist regions coming as much as satisfy this aim.

In fine, it is perhaps outlined that Dubai represents one of the rising markets and it's going to be definitely safe as well as ecocnomic to invest in Dubai real estate now.

Dubai has flip out to be a fine shopping place for huge investment, because investing in Dubai is surprisingly simple with smallest administration. The country needs private investment and to extend its population. Political stability and low crime also are the gorgeous features of Dubai. International visitors imagine safe and the presence of heavily armed police and army will not be present in Dubai.

Moreover, when you settle for as true with the cost of Dubai belongings with the other famous places corresponding to London belongings, New York belongings etc, you will find that the prices are comparatively low but the quality is identical. But it is hoped that the prices of real estate investment in Dubai will be set to fly within a smarter few years.

Why you deserve to stop Load Mutual Funds (part 1)

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If these two repayments are equally powerful inside the future, the load fund should not ever catch up. In fact, because of compounding, it will fall farther and farther behind. If the no-load earns a 10 percent return inside the first year, the load fund manager would have to earn 17 percent on his portfolio just to get you even with that no-load fund. The irony is that the load fund manager has no incentive to do that. He has no reason to care that you just paid a commission. He simply sees you as a $9,500 investor.

The presence or absence of a sales commission has without doubt no effect on how well a fund's investments perform. All it does is decide which fund sells its assets at par value and which one charges a premium price. Invest $10,000 in a no-load fund and you have got to pick the fund and fill out the form yourself. But your finished $10,000 goes to work for you. Buy a fund with a 5 percent load and somebody else (who receives a massive bite of your money) tells you which fund you will have to purchase and fills out the paperwork for you. And only $9,500 of your money goes to work in that fund.

Every study on the topic has concluded that over lengthy periods of time there may be virtually no difference in returns between the performance of all load repayments and all no-load repayments-except for the sales commission. Specific results will vary a little for every time length, but the pattern is an identical year after year, decade after decade. Over the past five years, no-load repayments had average total returns of 7.88 percent in bonds and 10.04 percent in equities. Load repayments, when you remove the effect of the load, had returns of 8.01 percent in bonds and 9.86 percent in equities.

A load may not get a grasp of what you think you are buying. Clued up fund pickers pay various attention to the record and abilities of a portfolio manager. Some fund salesmen say they earn their charges by finding the best managers. But what happens if you get into a load fund with a great manager and that manager leaves to run some other fund? At best, you have paid for the track record of a manager who's now gone. At worst, if you decide to follow that manager to a smooth day load fund in a smooth day family, you must pay the load a 2nd time. This doesn't happen all the time. But the best managers are the ones who get new job offers. Think about that the subsequent time you think about investing in a load fund because of its manager.

However, the sales commission has a wide effect. Loads used to be simple, but now they come in many flavours and varieties. A fund's marketing branch would say these varieties are designed to give investors more options. However as an investor you may also conclude that these varieties are designed to make the sting of the load less obvious.

Load charges do the investor no sensible whatsover. Any mutual fund is absolutely just a pool of money that is managed to accomplish a couple of specific objective such as income or growth, greatly following a distinctive procedure. A load is simply industry jargon for the commission paid to a salesperson who brings inside the money. The commission you pay on a load fund goes only to the salesperson or sales organization, not to the fund's manager or investment adviser. Managers and advisors make their money from charges taken out of the fund's assets. Whether investors pay rather a lot or not, they all pay their share of management costs. The charges are typically half percent to 1 percent of the fund's assets yearly. But occasionally they exceed 1.5 percent.

You may need your money sooner than you think. Load repayments are sold based on a protracted-term commitment. Salespeople convince investors the commission will represent a small cost when amortized over many years. However, if your circumstances take a turn for the worse and you need to get your money out after a short while you will have lost handsome profit.

Why there is a necessity for investing funds

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3. Help to meet financial goals - Investing is helpful to reach big financial goals. The more payment of return on investment the more a trader can earn funds within the long-term investment. Earned income extent can use to meet financial goals together with buying a car, admission of adolescents in renowned school, buying a home and plenty more. A brilliant investment will instruction manual to fulfil dreams of an investor in a better way.

Money is a mandatory part of every person's existence, it plays an essential role in existence and creating wealth for future. Some people have tons of funds, but they don't know how to manage it successfully. Investing is very much essential to safe future existence. To build wealth, a person has to invest funds.
If a person doesn't invest, he is just missing out on opportunities to strengthen his funds. Obviously, there are choices to lose funds in investments, but if the investment is finished by the trader wisely, then he can gain huge funds. Many people take suggestions from stock tips providers regarding suitable investment within the suitable platform.

It is easy to become financially strong by investing funds within the suitable platform, use a smart investment enviornment with the subsequent payment of return. The more you get success on investment the more you become financially unbiased.

Following are the benefits of financial investment:
1. Increase/grow funds - Investing can let you grow funds fastly. Most investment platforms together with stocks, bonds and mutual funds offer brilliant returns on investment over the long-term. This return builds and creating your wealth over time. The growth of funds is also essential to fulfil basic desires in existence and investing can instruction manual a person to meet long-term existence goals easily.

Why is stock a brilliant option to invest?
Investing in stock is a smart decision as it can give the required return than merely keeping your funds in a savings account. If the trader holds a position for the long-term and use most modern strategies to handle investment then he can earn more return on investment, many successful take instruction manual of expert with their trading suggestions just like stock trading tips, forex tips and binary option trading tips. It is useful as well as counseled of investment.

2.Earn better return - In order to the growth of funds, it is must to invest in such platforms that can give a better return on investment. Make particular that you opt an ideal investment platform that must have potential to offer you the subsequent return, the larger the payment of return, the more cash you will earn. Investment assets tend to offer a chance to earn larger rates of return than savings accounts. Do alternatively than saving funds to your personal pocket it is in certain cases better if you invest in potential investment vehicles.