People have an inherent desire to seek growth and self development and certainly, the internet isn’t lacking in tips and guides on how to achieve them. But one aspect that is often left unsaid by psychologists and social experts is the role of financial literacy in enhancing one’s maturity in each aspect of one’s life. That’s because talking about money in relation to self development seems inappropriate and even distasteful to some people. [...]
February 13, 2014
One day my friend decided she wanted a shopping spree as remedy to her broken heart. She went to the mall, picked up some clothes (after perhaps five hours of shopping!), swiped her card, and… nothing. What the heck? Almost zero balance in her credit card only seven days after her last payday? Oh boy, something was not right. [...]
August 14, 2014
Many of us don’t like to consider getting a divorce unless it is absolutely necessary, but in some cases it is best to face reality and move on. No one goes into a marriage thinking they will end up divorced. That being said, it is something that as a human you may need to do to grow and develop. If your significant other is abusing you, bringing you down or you just don’t feel like you love the person anymore you should do yourself and your partner a favor by ending things. Life is too short to let someone bring you down. Ultimately, you need to think of yourself and your well being. It may be hard at first, but it will get easier.
When considering getting a divorce you should get all the procedures and paperwork ready so that it speeds up the process. If possible, try to work out all the details with your partner before you consult a lawyer. If you and your partner are on the same page and have worked most of it out already, it will save you lots of time and money. No one is going to end up getting everything they want during a divorce, so it is best to try to compromise as much as possible.
You may be thinking you do not want to get a divorce simply because you cannot afford it. This should not be something that is holding you back. Nowadays you may not even have to pay for a divorce attorney when you are filing for divorce. There are many books out there that will explain to you exactly how to do this. A great book to start with is, “DIY Divorce” by Micheline McCormack. This book can be purchased for about $10.00 online. You can also find many websites online that will give you some great free information and get you in touch with a lawyer that may be able to answer any additional questions you may have.
Another reason why many people do not think they should get a divorce is because they think it will cause stress to their child. This is really not a good reason to stay married either. Children who live with parents that are always yelling at each other and arguing with each other are under a lot of stress. It is actually better for them if you were to go through with the divorce then stay married. Children also will start to think it is normal to yell and talk mean towards others if they constantly hear their parents yelling.
If you have any doubts about getting a divorce, or even if you don’t, you should first try marriage counseling. In some cases it is best to go ahead with a divorce rather than waiting. But it is still always a good option to see if you can work it out before going ahead with a divorce. There are many places out there that can help you find a good marriage counselor.
July 11, 2014
All work and no play does indeed make for a very dull life – and one that promotes stress, bitterness and ill health. Taking a holiday is perhaps the last thing from your mind although it should be the first. However, there is more to a holiday than just lying by a pool or on a beach. There are better holidays, ones that help you to overcome stress, to look at life in a more positive way and improve your outlook.
Take a Hike
The USA offers a diverse range of activities, including a number of excellent hiking trails. Hiking is probably the one activity that allows your mind to wander free, to promote creative thinking or just to clear your head of all the negativity that is floating around in it.
One of the best USA Tours is through an reputable company- one that offers tailor made holidays to suit you and your requirements. Take a look at their Appalachian Trail Walking holiday – 10 days of nothing but hiking walking through beautiful scenery and taking in the breathtaking views.
The benefits of a holiday such as this number many but mostly:
- Reduction of stress
- Relaxation – mind and body
- Less mental fatigue
- Clearer mind
What You Get
Taking part in a tailored walking holiday allows you to experience life through another set of eyes – to realize that there is life beyond those dreary office walls, not one that looks out on a rainy scene of buzzing traffic but one that looks on the real world as nature intended.
Following a proper guided tour means you get the benefit of highly experienced trainers, people who can teach you to free your mind and enjoy every minute, without worrying about the next phone call or the next meeting.
Group travel allows you to expand your mind, swap ideas and to unwind. Talking about your experiences is often the best way to leave it all behind. You get to improve your communication skills and learn new things about new people and places.
You also get to learn more about the philosophy of life. Don’t waste any more time worrying, book a hiking tour today and leave all your worries firmly locked in the office – where they belong.
July 11, 2014
If I tell you that giving a few cents to charities or to random people on the streets will make you happier, will you believe me? The thing about money is we think that if we get more, we keep more. But research says that when we give to people, we tend to be a bit happier.
Researchers at the University of British Columbia set out to test their theory that how people spend their money is as important as how much they earn. First, they surveyed among 630 people to find out their rate of general happiness, annual income, a breakdown of monthly spending and bills, amount spent in gifts, and donations to charity. Then they surveyed among 16 employees at a firm in Boston to assess their happiness before and after they received their bonus ranging from $3,000 (£1,514) and $8,000 (£4,039).
The study found that those who donated to charities and gave gifts to others felt happier and better about themselves. In another experiment, they gave out $5 or $20 to random people and asked them to spend the money by the end of the day. Those who spent money on others felt happier at the end of the day despite the amount.
Other researches and surveys also proved this point: that spending money or other resources on others gave satisfaction and happiness to the givers. A survey among 136 countries by the Gallup World Poll between 2006 and 2008 found that those who donated in charity in the past month had a greater sense of satisfaction with life. This result is the same in underdeveloped and developed countries. This poll shows that the positive effect of giving transcends financial and geographical boundaries.
Giving doesn’t have to involve donating $100 to a charity. Giving as little as $5 to random people on the streets or to a kid who wants an ice cream can give you a sense of “goodness”. When we give, we feel good and confident that we can actually be selfless. Affirming that you are a good human being doesn’t hurt anybody.
There are many ways you can give. You can give alms to the poor if you’re really moved to do it. You can donate to charities like charities for the disabled, trafficked men and women, orphans, and elderly. But money is not the only thing you can give. Giving away your free time is one of the biggest sacrifices you can make. You can volunteer to a home for the aged or a shelter for orphans. You can also volunteer to pack up relief goods for natural disaster victims.
Last year, when I saw how devastated the Philippines was after the Typhoon Haiyan, I immediately called my friends and encouraged them to donate clothes and canned goods for the victims. They donated what they could and even helped me to pack them. We also looked for shipping containers for sale and found Equipment Base, a company that sells all sorts of storage containers. If you want to know more, click here. Then we shipped it to a trusted NGO in the Philippines. We all felt quite good about it because we did what we can to help those in need. In your own ways you can help others while feeling a bit better about yourself.
July 9, 2014
It isn’t always easy to expand, especially if your business is just a small one. It takes time to grow, taking small steps to ensure you move ahead of your competitors while maintaining the sales and customer satisfaction you have built up. Implementing the following tips can help to ensure your future and lift your business to new heights.
Have a Plan
Before you can even begin to think about growing your business you must have a plan in place, know what your future objectives are. You must be able to look at current trends that relate to your business and put them to good use.
Have a purpose, a clear picture of where you want to be in, say 5 years’ time and plan how to get their without losing sight of your business.
Consider your Finances
Look carefully at your financial position before you start to expand your business. If your profits are good, think about how much you can afford to set aside for capital to find your expansion plan. If you don’t have the finances to expand but the indications are there that growth would bring your business financial success, continue alternate sources and options for financing.
Think About Investors and Opportunities for Funding
Look around for viable investors and look carefully at loan companies and banks for financial help. You may be able to combine the two if you are careful but be sure never to take on any finance options that you cannot afford to repay.
Move or Expand Your Current Office
If your business growth plan calls for it, think about moving to larger premises. Look around for Chicago office space from sites like these for available space. Think about how you are going to transfer your current office furniture and peripherals to the new one – a good removals company is probably the best option.
Build your Online Presence
All good businesses need an online presence – it’s just about the only way to successfully spread the word these days. You will need a professional website and professional accounts on social and business networking sites such as Facebook, Twitter and LinkedIn.
May 9, 2014
Although the current economy might be terrible, there are still many amazing ways to make a fair bit of money on the side. Considering that most jobs don’t pay as well as they should, making a fair bit of money on the side can mean the difference between living comfortably and living in such a way that one barely makes ends meet. There are many ways to make a fair bit of money on the side, but for this post, I’m only going to concentrate on one: binary options trading. By trading on binary options, so many people from all over the world are now able to earn hundreds to thousands of dollars’ worth of extra money on the side.
Of course, most of you are probably asking, what is binary options trading? Binary options trading is a form of online trading that first appeared a little over half a decade ago. Since it first appeared, it has steadily grown in popularity among traders across the globe. What exactly makes binary options trading a great way of earning extra money on the side? For one, there’s the fact that it’s much simpler to do compared to other forms of online trading. When placing binary options trades, people just have to choose between calling or putting. The best part is that a correct guess will always lead to profits.
The biggest consideration people have when it comes to binary options trading happens to be choosing the right brokerage for them. Unfortunately for those who plan to get into binary options trading, there are so many brokerages out there that are unregulated and work to rob their clients of their earnings. So many people still fall prey to their schemes, and this is because they claim to “offer” seemingly attractive benefits to their clients. The good news, however, is that there are regulated brokerages out there that do offer amazing services, and one of these brokerages happens to be Banc de Binary.
If you plan on getting into binary options trading, we highly suggest that you do it with Banc de Binary. One reason why we recommend the brokerage is that it is regulated by the CySec. What this means is that the brokerage conforms to the strict trading rules and regulations of the EU. Another reason why we have high regard for the brokerage is that the Banc de Binary trading platform is currently the best trading platform out there. Unlike the trading platforms of other brokerages, Banc de Binary’s trading platform offers the most number of options for trading. The best part is that the brokerage’s trading platform isn’t clunky; despite offering so many options, it is very easy to learn how to use.
Binary options trading is just one of the many ways you can make a fair bit of extra money on the side. Tomorrow, we are going to feature another great way of earning extra money. Although not related to online trading, the side job we are going to feature tomorrow is also done online. Want to find out what it is? Then check back again tomorrow!
April 18, 2014
In today’s world, it is everyone’s responsibility to take full charge of their finances and be fully accountable for anything that happens to them. Unless people actually do such a thing, they will never be able to keep themselves safe from the turbulent global economy. Luckily for people, there are now many ways in which they can achieve financial security. Granted, even the most financially secure of people can still experience huge losses. Still, it goes without saying that working towards financial security does greatly improve one’s financial standing.
In this post, I am going to concentrate on one way people can take charge of their finances, and it is through binary options trading. By doing binary options trading, anyone can now build their emergency fund much more easily.
How does binary options trading work exactly? To do binary options trading, people have to choose a binary options brokerage to work with and then sign up for their services. Once they have done this step, they can immediately buy options which they can trade on. To trade on an option, people just have to correctly call or put on it. When a trader thinks that the price of asset an option is for is going to increase, they should choose to call on it; if they think the opposite case is true, they should put on it. The correct choice leads to a trader getting a fixed monetary reward. That’s all there is to it.
Of course, it’s important for people to work with a brokerage that actually takes care of its clients. Such brokerages have services that aim to improve their clients’ chances of achieving financial success. One of these brokerages happens to be Banc de Binary, and one way the brokerage tries to improve the financial success of its clients is by giving them a binary options trading signal every now and then. A binary options trading signal is a piece of information that traders can use to improve their trading success. The signal tells them what they should do with certain assets so that they end up being very profitable. Through such services, so many of Banc de Binary’s clients are able to earn a good amount of money on a monthly basis. This is why I highly recommend that you do binary options trading with Banc de Binary if you want to deal with binary options.
Hopefully, this post of mine will prove helpful to everyone who wants to explore binary options trading. Through binary options trading, so many people from all over the world have achieved financial security. All anyone needs to do to make the most of binary options trading is make sure that they are working with an amazing brokerage, as well as learn the ins and outs of engaging in such an activity. By doing both things, anyone ends up setting themselves on the road to financial success and security. In today’s world, no one is 100% financially secure. However, it still pays to actually work to such an end.
March 30, 2014
It is not only old or sick people who should be concerned about wills and estates. Everyone has assets of some kind, whether it is investment property, a primary residence, a stock portfolio or family furniture and jewelry which has been passed down for several generations. No matter what the financial value is, the property should be identified and allocated in a will.
There are many good reasons for making sure all adults have written wills. Such documents can prevent disputes among their heirs and keeps the family bonds intact. When there is a legal document clearly stating the disposition of assets, it is easier to put aside bad feelings in order to honour a loved one’s wishes. No one wants to leave a legacy of court hearings and lawsuits.
It may seem unnecessary to write a will since any property can easily be divided equally among the children and spouse. However, it is not always so simple. There are many good reasons for making sure all adults have written wills.
Some children may be young, and will have education expenses in the future. Other children may have sacrificed their careers to look after the aged or ailing parents who always meant to do something to compensate. If those intentions are not documented properly, there is nothing to substantiate any claim.
At times, one of the children may have some misfortune, and parents may feel obliged to provide more for that child so that he or she does not become a drain on the rest of the family. In addition, there may be other obligations to clear. Some people are also philanthropically inclined, whereas others may be disappointed with one or more of their children or their spouses. Such displeasure can be expressed using the will, and preventing them from getting anything.
Then, there are debts left by the deceased. The first obligation of the estate is to clear any debts. Only after that is accomplished can anyone else benefit from the assets. There are even certain debts the family would have to meet if the estate does not have sufficient funds.
Young people are encouraged to discuss wills and estates before the wedding. It might even be appropriate to have a prenuptial agreement signed to ensure there is no undue dispersal of assets during a nasty separation. In western countries, it is usually considered sufficient for the partners to write wills, usually with each other as the primary beneficiary.
Even when someone recognizes the need to write a will, there is often the problem of assessing the actual value of assets. For example, real estate, whether houses or undeveloped lands, tends to have anomalous spikes in valuations. Then, there are other assets without much financial value but with great sentimental value within the family.
Once people begin to list their assets, they usually realize the entire business of writing a will is not quite as simple as they had hoped. The best thing they can do is schedule an appointment with a solicitor who specializes in wills and estates. Such a professional can ask all the right questions, help gather all necessary papers and prepare a document able to stand up in court, if necessary. It will be a relief to have the task finished. Once the will is prepared, it needs to be reviewed and revised only when there are any significant life changes. It will be a job well done. A company such as Rees Jones can be very helpful in advising about the steps to be taken for writing a will.
March 27, 2014
Everyone needs to gain more financial knowledge. In today’s economy, knowing a lot about money matters can save one from being bankrupt. Gone are the days when people could stay stable despite not knowing much about investing and other financial topics. Considering that advancements in web and computer technologies have made access to financial knowledge much easier, absolutely no one has an excuse to not learn more about economics and finance in this day and age. In this post, I am going to talk about binary options trading. I believe that everyone needs to consider doing binary options trading because it is a really profitable venture that is accessible even to the most financially illiterate of people.
What is binary options trading? Simply put, binary options trading is a form of online trading where people buy options for underlying assets and guess the movement of the prices of the assets. Correct guesses always lead to people earning a fixed amount of money. Because people only have to guess whether the price of an underlying asset they are dealing with is going to go up or down by the time their option expires, so many people from all over the world find it easy to earn money through it.
Of course, the biggest consideration people must face when doing binary options trading is actually finding a binary options brokerage that they can work with on a long-term basis. Many of the brokerages out there sadly only offer amazing deals on paper. In reality, they do bad business with their clients. Every newbie trader needs to make it a point to actually research the different brokerages out there and discern which one actually offers the best benefits for them.
To most people, Banc de Binary is the best binary options brokerage in the world. There are many reasons why so many people trust Banc de Binary. One of these reasons happens to be the fact that Banc de Binary withdrawals are actually very convenient. When it comes to most other brokerages, they give their clients a hard time withdrawing their money because that would mean them losing money. Banc de Binary is different from these brokerages. No client will ever encounter a Banc de Binary withdrawal problem because the brokerage goes out of its way to ensure that its withdrawal system is fully functional and convenient for its clients at all times.
Hopefully, what I have written here will make you consider doing online trading, if not binary options trading itself. There are so many benefits to doing binary options trading. Some people have actually left their day jobs just to be able to solely focus on binary options trading. By engaging in this form of trading on a daily basis, people can earn a decent living. In fact, spending just an hour or two a day doing it can lead to people earning thousands of dollars a month. Online trading, specifically, binary options trading, is definitely one of the best ways to earn money and learn about finance/economics today. There really is no excuse for you to not at least look into it.
March 23, 2014
A recent study done on product liability claims cases shows that the claimant only wins their case about 25 percent of the time. This statistic seems to suggest that legal scales are tipped in favor of the defendant, but most experts agree that it’s the high cost of taking a case to trial that deters most people from getting a fair settlement. When people see the time and money it takes to fight a big company in court, they are more likely to give up and take a small settlement.
High costs have caused plaintiffs to shift the way they go about getting the money they deserve; a high number of them have turned to contingency fee arrangements to spread the financial risk of their court cases. When the stakes are high, it makes sense to put some of the financial burden on the team that is representing you in court. When your lawyers have a financial stake in your case, you tip the scales in your favor.
Big companies used to use tactics to draw out trials knowing full well that regular people didn’t have the money to pay for court costs. They would use their massive wealth to slow down the legal process. The companies did this so much that people would quickly snap up any settlement money that was offered to them; if the plaintiffs didn’t take the settlement, they would run out of money and default on their case.
When it comes to medical malpractice lawsuits, contingency fee arrangements have become the norm. Under these arrangements, the plaintiffs pay attorney fees that are determined by the success of the case. If the lawyer doesn’t win, the plaintiff doesn’t have to pay; a fee is only charged when the case is settled favorably.
These arrangements improve access to the legal system by enabling financially strapped plaintiffs to obtain legal services; the plaintiffs can do this without fear of losing what little money they have left. When big companies use drawn out court proceedings to financially crush the “little guy,” it is important to take steps to level the playing field; if you don’t, big companies can get away with unethical and illegal practices.
People with extensive knowledge of finance use contingency agreements to their benefit. If a person needs to go to court for something like a personal injury case, they need to make sure that the case won’t put them into excessive debt.
Better-funded plaintiffs also use contingency agreements to guarantee that their case is solid. Most lawyers won’t take on one of these cases unless they are certain that they have a good chance of winning. When a lawyer is hired on a contingency basis, they act as the plaintiff’s partner; they put their own money up for court costs. This an easy way for the plaintiff to mitigate their financial risk in court.
Contingency agreements are looked at as investments for attorneys. After the attorney screens your case carefully, they decide if legal action is worth pursuing. The process encourages them to carefully look at cases before taking them on; when they have to take care of litigation costs, they make sure to always get the most out of defendants. When you use a contingency agreement, you spread the financial burden of court costs.
February 11, 2014
If there is a subject that must be required in high school, it must be financial education. This is because most of the youth today have no idea how to handle their finances thus they end up in financial mess. You might have preconceptions about how challenging personal finance is, but in reality it is not. All you need is a list of manageable tips to help you reach financial success or stability. Written below are some of the helpful tips that can help you put your finances in tip-top condition.
- Earn a college degree. Going to college can be tough but it is one of the best ways to end up being financially stable in case your other dreams won’t materialize. So whether you want to be a professional athlete or want to pursue an artistic skill, it is highly suggested that you still give a serious consideration on earning a diploma. It will bring you miles away from where you are currently in. And yes, going to college can be expensive but you can make it less costly by employing strategies such as applying for a scholarship, being a working student or even considering a community college.
- Learn to delay self-gratification. This is a very important characteristic you must learn while you are young. When you have self-control, chances are you will be able to put your finances in order. This is because you will not be bothered with waiting until you have the financial means. Simply put, instead of purchasing items on credit and end up paying high interest for that, you will choose to wait until you have saved up enough cash. This is a skill that people who are trapped in debts do not have.
- Keep track of your expenses. Knowing where your money goes helps you to spend within your financial means. When you develop the habit of tracking your expenses, you will be more conscious about your purchases. The end result of this would be that you will have more savings every time you receive your paycheck.
These are just beginner’s financial tips for success. If you want to know more about personal financial management, you might want to take advantage of the numerous resources online.