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Americans spend billions and billions of dollars on wasted energy.
For the average American, it’s either ignorance or pure laziness that accounts for much of the waste.
Of course, it does no good to complain, we can only do our part. Here’s how…
No matter whether you are looking for health insurance or income protection, effective insurance planning is a must.
There are, unfortunately, so many individuals that are forking out their hard earned cash on a policy that is simply not right for them and their financial situation.
With that being said, read on to discover five of the top general insurance buying mistakes you need to avoid.
Meditation has been around for centuries, and yet, it can still be a controversial topic.
Most of the people who recommend meditating start by saying something like “I know you think this is some sort of eastern ritual” or “you might think you have to be Buddhist to meditate”.
I admit, it does carry that connotation, or at least it used to. I’ll spare you. I’m going to assume you’re wanting to implement meditation as a self-improvement tactic, or as a way to clear your mind and increase your focus.
That being said, here’s a guide to meditation for the average person who wants more clarity and a clear mind…
Home improvements are a great way to add value to your home.
At least, that’s a common belief. But are they really? And which improvements give you the best bang for your buck?
The answers to these questions are probably not the same for everyone, and may depend on your definition of value. If you’re selling your home, value may be measured in monetary terms, but if you just want to increase your comfort level, this definition may include luxury additions that add little monetary value.
Here are a few quick and easy home improvements that may or may not increase your home’s value in your eyes. We’ll let you decide:
Budgeting is weird, because almost every financial guru recommends doing it, and almost everyone who tries to do it struggles with it.
The truth is, there are a lot of things left unsaid when it comes to budgeting.
There’s a reason it doesn’t work…or doesn’t seem to work.
I’m going to explain how to actually budget effectively and cover some unanswered questions.
Have you ever considered investing internationally?
There may be more benefits than you knew.
London-based property agent, Experience Invest has provided 5 top tips for investing in property overseas.
We could all read more to improve our lives.
It seems like, no matter how many books we want to read, we always feel like we don’t read enough.
Sure, we may get lost in fiction books, and that’s great (I’ve actually been reading a lot more fiction lately), but as far as reading books on the areas of our life that we want to improve, we’re often lacking.
Here’s the thing, reading more may not be the answer. There’s a better way, that actually works…
The relationship between real estate agents and investors is often adversarial in nature. However, if both parties are willing to overcome their misconceptions about the other, investors and agents can provide immense value to each other. Agents help clients successfully navigate the hurdles of the buying and selling process while investors are savvy at assessing profit potential in homes. When combined, the skill set of real estate agents and investors can create a mutually beneficial—and lucrative—partnership.
If you’re an agent or investor, use these tips to facilitate a successful collaboration.
Welcome to 2016!
I purposely waited until today to publish this to show how unimportant any specific date is. I’m not completely against setting a resolution at the beginning of the year, as long as you don’t get expect the changing of years to be some sort of miraculous time of new beginnings.
January 1st really is just another day.
I get it, new year, new you. And that’s great, but too often we set lofty resolutions, and then get completely discouraged when we don’t perfectly act out our new goals. Then, a month after the resolution is set, it’s abandoned. But it shouldn’t be like that.
We all fail. All the time. And that’s great.
Bills, bills, bills. It’s like no matter how many you pay, there’s another one in route to your mailbox. Unfortunately for us, there is no effective solution to getting rid of bills altogether (Though it would be nice). That means you’ll need to come up with a few suitable solutions to minimize the amount of money you have to shell out on the monthly basis. Check out the five most common bills and efficient solutions for lower the cost:
Traveling for business or pleasure can mean a lot of wasted time, especially if you are flying. There is waiting for the plane, being on the plane, waiting for luggage and then spending time at the hotel after the whole ordeal.
That “wasted time” is actually very valuable, and you can make yourself more productive with these tips. That way, when you get back to work, you won’t find yourself way behind.
You want more money. Even Warren Buffet, who has a lot more money than you, wants more money.
When it comes to saving money, or that nasty word budget, it’s a safe bet you have negative associations with the practice. You might think of the cocktails you won’t be having with friends, fishing trips you’ll be missing, and delicious foods you won’t be enjoying. Cheer up, man! I’m here to tell you there’s a way to spend less by spending more…
Here’s an awesome video to show you some easy common home repairs you can do yourself.
I’ve also included the infographic version if you’re not a fan of motion.
The mirth and merriment of Christmas are very much upon us, with the big day now getting very close. It’s a time of laughter, fun and special times with friends and family – just as it should be. Yet with the unrelenting social activities that come with it, costs of buying presents and other wallet drainers, there is no doubt that the holidays can put a strain on anyone’s budget, and maxed-out credit cards are hardly unusual by the time January dawns.
But instead of using the festive season as an excuse to exacerbate your existing high-interest debt, why not see it as the time to take action, and eliminate it instead? The path to becoming debt-free isn’t as arduous as it may seem, and with a combination of self-discipline and some clever strategic thinking, you can start getting yourself very much on track.
Christmas is a day away. That means that one person will be working overtime tonight.
Sure, he may only work one day a year, but he accomplished more in that one day than you or I accomplish in a decade.
This would be the perfect opportunity to go into this individual’s productivity methods, but he is very secretive about the productivity hacks and methods he uses. In a recent interview, he wouldn’t even disclose the current books he has been reading. I suppose he wants to eliminate the possibility of any competition.
Many believe he is a big supporter of David Allen’s Getting Things Done strategy, but that hasn’t been confirmed.
There are also rumors that he loved Jeff Sander’s new book, The 5 AM Miracle, but again, we’re still short on facts.
I hope to eventually get in to interview this man, but until then, all I have is an infographic about how dangerous his job is. So here you have it – the most dangerous job in the world – the job of Santa Claus.
Going green is certainly the buzz in business today, but as a busy owner or employee, it’s easy to push it to the side because you have enough on your plate. As if you needed one more thing to manage, right?
The good news is, going green in your office doesn’t have to be an “all or nothing” endeavor. This is something you can implement over time.
A sitcom television show once marveled that it was amazing that the universe contained hundreds of thousands of different types of jobs, and yet there was someone out there willing to fill every different one.
This sounds pretty level-headed coming out of the mouth of a comedian. But in the real world, the odds are against you. It has been long reported that our feelings about our jobs are extremely negative, overall. In a 2013 survey conducted by Gallup, 70 percent of 250,000 people interviewed – including part time and full time workers – said they hated their jobs. Only 30 percent said they actually enjoyed their jobs and their bosses, according to the Daily News.
Winter is coming (if it hasn’t already arrived), and with it come lower temperatures outside and higher bills at home.
Fortunately, there are a few things you can do that will help you save big on your heating bills, many of them for free.
These tips will help you on your heating costs – without a huge investment of time or money.
These days, it’s always useful to have some extra money on hand. Whether for short-term pleasures like an extravagant meal out, or buying a new dress, or more long-terms investments like saving for education, or planning for retirement (especially if you’re planning to retire abroad), extra cash is ALWAYS welcome! Most people rely on company bonuses, or working overtime to make more money. In addition to these, there are a whole bunch of things you can do (in terms of skills you can acquire and opportunities you can take advantage of) that will help you effectively supplement your regular income. Considering holiday season is right around the corner, and spending tends to be high, it is worth taking a look at what you can do to make some extra cash. Here are a few ideas:
Fighting procrastination is not only important for your studies.
You are going to be distracted throughout your life.
Marketing companies spend their working week finding new ways to distract you.
Here are a few productivity apps that will help you right now in the moment, and they will help you get into the habit of fighting procrastination.
Every Monday banks or credit unions release a rate sheet that define the annual percentage rates for all of their products and services.
The interest rates have definitely seen better days and many people worry if they will ever actually be able to retire.
As hope for the future darkens, people then seek out other avenues in order to make their work just a little bit harder.
With the stock market many people are choosing to place their money more at risk in order to gain a higher rate of return. However, many people do not know where to get started.
In the lending industry, free credit scores and credit scoring systems have become universal.
As technology advances and becomes more commercial, such as the public debut of the 1989 FICO credit scoring model, scoring tools have started to overtake traditional underwriting process in the world of lending. Companies like Credit Sesame have been founded to help the public gain a deeper understanding of their financial standings by offering free credit scores, reports, and tracking.
While there are definite benefits to this new takeover, there remains to be widespread misunderstanding of what actually affects your credit scores. One of the top suspects: late payments.
“Dominate your day before breakfast” may sound intimidating, but it’s really not.
That’s been Jeff Sanders’ motto for his podcast, and now for his book.
The idea is that you can accomplish a lot with little effort, if you change a few habits.
I’ve been listening to Jeff’s show, The 5AM Miracle podcast, for a few years now. It made my top podcasts list and it continues to be one of the only podcasts that I listen to every time a new episode is available.
Jeff finally (I’ve been waiting!) put his expertise into words and released a book…an extremely awesome, useful, direct, practical and applicable book, if I do say so myself…and I do.
Here’s some insight into his book, The 5AM Miracle…
It is never early to start saving for retirement. In fact, if you started saving in your early 20s, putting aside less than a car payment each month could turn you into a millionaire by the time you retire. It really is easy. Let’s look at five steps that you can take in your 30s (or even your 20s or 40s) to make your retirement dreams a reality:
When it comes to buying a home, advice is overwhelmingly centered on buying a primary residence.
No big surprise since you need a place to live. But, before you invest in a primary residence, you need to consider your lifestyle goals to maximize your budget and your quality of life.
Just how bad is the financial plight of the average university student in the UK?
As is the case with most questions, the answer to this one depends upon whom you ask.
Some say uni students are fighting a losing battle because tuition is rising and maintenance loans are inadequate, particularly in London and other notoriously expensive areas. Others say that many students are squandering their money partying and buying items they don’t need.
According to Professor Robert Mooradian of Northeastern University,
millions of Americans are dealing with the emotionally and physically taxing consequences of debt every year. We all want to make our financial goals, like getting out of debt, a reality, but few ever make it without changing their everyday habits.
Before we get into the list of habits that will change your financial goals and eventually your life, we need to get two basic concepts down:
This is going to be extremely straight-forward.
I’m going to give you each step to get your finances in order.
At the end of one hour, you’re going to have a complete overview of your financial situation and be setting goals.
I love apps. I don’t use 100, I just use a few that work really well.
I always try to consolidate. If I can find one app to do the work of two, I’m sold.
This infographic shows 20 of the best apps out there…
Cycling, or biking, has many benefits, some of which you may not initially realize. For starters, it offers great exercise, which means it can improve your health and quality of life, provided you bike consistently.
However, it’s not only your health that can benefit: most things in your life can benefit from cycling. When you think of it that way, it’s no surprise that the United States has seen a growth of 62 percent in bicycle-riding commuters since 2000.
You’re probably wondering how cycling could have such an impact on the world at large. We’re going to take a look at some ways in which your life would benefit if you took up cycling to commute to and from local places.