Money Management

Saving Money on the Road

With how often we think about our financial investments and bottom line, it’s easy to forget about the investment we must make in our mental health. Nothing could be more important to the future of your life than acknowledging the role our emotional and psychological well-being plays in our decision-making process. 

You may spend 60-70 hours a week hooked up to computers, constantly checking your cell phone, trading stock quotes, reviewing Cavalry Portfolio Services, and noodling around with your companies dividends—still, the deals you make in one day pale in comparison to the deal you’re making with yourself over the long haul. Consider yoga and nutrition as an intersection of strategies that may help you to balance your economy of wealth with an economy of health….

Yoga

You’ve got to understand that your mind is its own index, trading chemicals and transmitters with itself on a 24/7 basis. Once you look at your brain from this angle, you’ll never go about your life the same way. Everything you do, every conversation you have, every decision you make is a product of your brain chemistry. If your chemistry gets out of wack—easy to do after a daily infusion of stress hormones, caffeine, adrenaline, and technology—you’ve got to put in the time to help your mind return to a state of equilibrium. A great way to do this is yoga. Yoga is a moving meditation that harnesses the power of breathing in order to center the mind and nourish the body. Keep your blood oxygenated and flowing so that your body can feed your brain and keep your thought processes stable. If you lose your mind from stress, you’ll regret not taking this more seriously.

Nutrition

Believe or not, the things we put in our body actually do affect our mind. The sugar, hormones, pesticides, saturated fat, preservatives and toxins that inundate the American diet also poison our minds, causing ADD, ED, emotional imbalances, and fatigue. If you have a stressful life, one of the best things you can do for yourself is to take control over your diet. This means eating more organic vegetables, cutting out fast food, and limited excess sugars and fats that clog your arteries. Think about it: if you die ten years sooner than you should, that’s ten years of income being buried with you too. Morbid, yes, but honest.

It’s easy to get caught up in unhealthy practices that deteriorate our physical and mental health. But let’s not make the mistake of viewing those ailments as separate from our careers and investments. Your health is an investment too, one that in the long run is dramatically more important to you and your family than numbers on a computer screen.

Debt Management

A trustworthy debt relief company can only help you – Know more

Most of us won’t like to begin the New Year looking at a long list of debt relief services. However, restricting your debts is one of your primary concerns if you truly wish to improve your personal finances.

Your credit situation can certainly be improved if you follow the tips mentioned below. A majority of us don’t have the time to look after our personal finances, although it really helps when we check out our individual credit situations. That’s one reason why so many of us are now reaching out to debt relief services.

Look for an organization of good repute.

Acquiring memberships of esteemed organizations or quality accreditations demand adequate time and dedication from a service provider. A company that wants to draw quick money and make a fool of its customers won’t spend too much time into this. Inferior services don’t engage trained professionals or complete paper-works. NFCC and AFCC are amongst organizations that have websites presenting lists of renowned debt relief services. Once you go through these lists, it will be easier for you to pick the right company. Reliability of these services can be easily understood once you read through the membership criteria of these organizations.

Acquire referrals from the ones you love.

Earning referrals of quality debt relief services from your loves ones is a natural thing, since many of them may have gone through similar situations in the past. You may find effective guidance under a certain company that had helped a friend or relative in the past. At the same time, you’ll need to go through the situation experienced by your loved one and not rely too much on such referrals. A referral doesn’t guarantee an experience that will surely yield positive outcomes. Success often depends on the particular agent that handles your case and your individual financial situation. You must look for a different debt relief company in case a particular company doesn’t feel right.

Conduct your own research before arriving at a contract.

You must study the way your chosen company works, even when you’re about to work with a reputable organization. Doing your own research may bring out facts about your chosen debt relief company that you must take into account. All reputable debt relief companies reflect the true nature of their services through testimonials and reviews posted by their past customers. You may come across positive reviews or complaints filed against your chosen company while searching for accreditations offered by renowned bodies like the BBB.

Understand the law and identify your rights.

There are laws governing the operations of any debt relief company, hence you must identify your rights. Websites like FTC.gov are likely to show you through the telemarketing rules governing various sales processes. Scammers often pose as legitimate businesses and rob consumers of their hard-earned money. Promising outcomes that don’t quite seem realistic and demanding charges upfront mostly signify such scams. Rules have been imposed to protect consumers from such attempts. You’ll need to analyze the overall financial situation and trust your instincts before you pay for these debt relief attempts. Feel free to express your concerns, if you feel skeptical about something. You may choose to work with a different debt relief agency if the policies of your favorite agency don’t seem agreeable. In the end, a reliable service provider can only pull you out of your debt burden.

Debt Management

Can You Be Addicted To Payday Loans?

I don’t condone or approve of the use of payday loans but I can see why people would use them.

 

Some people are just in the situation, where if they have an emergency, they need to get cash advances in order to get by.

I’m not really going to argue whether they are good or not but I do begin to wonder if they could be considered an addiction.

If someone comes to rely on them and feels like they can’t get by without them, are they addicted?

Trying to live without payday loans when you have been relying on them just to survive can seem impossible.

Doesn’t that seem like it’s an addiction?

I watch the show Intervention, which is about addiction to drugs, and the way people act ashamed for using drugs, yet can’t stop, seems like the same symptoms that people who are deep into payday loans have.

Think about it like this, a person addicted to drugs usually wants to stop but can’t because they don’t feel like they will be able to get clean. There are ways to get clean, but they just don’t want to take it or feel like it won’t work.

People that are deep into debt with payday loans feel like they have to keep using them to get by. Yet there are ways to get out of the cycle. But they feel like there is no other way or they don’t want to take any other way.

I’m really interested in this because if it is an addiction, then people that are constantly getting  payday loans should be flagged and offered help.

There’s no reason someone should go back week to week to get a payday loan. That just means there’s a problem and they need help.

I mean, if someone uses a drug once or twice a year you wouldn’t think that they need help, but if they used it every week then you would think they would.

I think payday loan companies can do good/be there for you in time of an emergency (They wouldn’t be my first choice), but I think they need to put in safeguards for serial loanees in order to be seen as less of a bad member of society.

What do you think?

Investing

Different Options for Loans That Financial Experts Suggest to Clients

Managing financial is the most critical thing, and we acknowledge this statement as a fact. So, career in the sector of finance is not at all easy. A lot of challenges are there, waiting for the people who have chosen the job of financial advisor. If you are passionate enough, you shall definitely enjoy these challenges. For a financial expert, it is absolutely important to be passionate about his job. You must love your job and you must be ready to face new challenges. Financial advisors face trouble, when it comes to suggesting the right kind of loan to clients.

Both individuals and organization need to opt for the loans for many reasons. In general, it can be stated that people opt for loan in order to deal with unexpected financial crunches. In many cases, people opt for loans, when it comes to purchasing an asset. For example, you may need to go for a loan if you are planning to have a brand new car or property. A business needs to opt for loans, when it plans to expend or buy new business assets. A professional financial expert should analyze needs and financial conditions of the clients before suggesting right type of loan.

Studying Client’s Credit History

The most important thing is studying credit history of the clients. If your client is thinking of opting for a loan, he should have good credit history. This means he should be punctual about paying the credit card bills on time or before the time. Making a habit of paying bills late will create bad reputation. As a result, it would be hard to find a suitable lender for that person. Moreover, bill payment on time will improve credit rating. This rating has been taken into consideration by banks when it comes to scrutinizing loan application of a person.

Loans for Good Credit

A financial advisor has limited service to provide to those, who already possess exceptional credit score or rating. Such persons can get loans from banks for personal reasons or business reasons without facing any hiccups. Some formalities are required to be maintained, and that would help to obtain the desired loan amount. Having good credit score will give you good sleep as well.  The rate of interest on repayment premiums shall be low as well as affordable. Thus, there should not be any hassles when it comes to repaying the loan with perfection.

Loans for bad Credit

Problems start appearing when a person has bad credit score and bank turns down loan application of such person. Financial advisors can provide different kinds of solutions to the clients in such cases. They can advice to go for the payday loans. Payday loans UK is an excellent option to get small amount personal loan without undergoing the hassles of credit checking. The application can be made online anytime. Applications also get approved within 24 hours usually.

Author bio

Trafford G. Marx has been as a loan recovering agent since a few years now. In this post he has shared some simple points for those who are planning to take a loan. He has suggested Payday loans UK to the readers owing to its quick approval procedure and easy application system.

Money Management

Mobile Coupons Save You the Hassle at the Register (And a Lot of Money)

Your smartphone could be one of the most powerful weapons in your money-saving arsenal. Mobile coupons help shoppers save instantly — while they’re in the store — without the paper-wasting hassle of printing or clipping. Say goodbye to extreme couponing: There are a whole host of mobile apps designed to deliver relevant, free coupons directly to your smartphone.

Pushpins

Allows you to scan an item while you’re in the grocery store and automatically redeem pushpin coupons.[1] Your savings are instantly applied to your store savings card and are redeemed when you swipe your card at the register. You’ll also be able to check an item’s nutritional information, and share your saving savvy over social media. If you allow push notifications, they’ll let you know when your coupons are expiring, so you don’t miss out on a killer deal. Pushpins works in over 2,000 grocery stores and is adding new locations across the country every day.[1] Check Pushpin for your local grocery store and write to them if you don’t see it. They’re working to incorporate local and chain stores close to their customers.

Coupon Sherpa

This app provides you with coupons directly through your smartphone. You’ll be able to access hundreds of in-store coupons and search either by product category or store name.[2] If you’re having trouble finding a store location, Coupon Sherpa can help you find the store nearest to you. With this app, not only will you receive exclusive coupons, you’ll also be able to skip scouring the internet for discounts. The Coupon Sherpa staff will hunt down those deals for you and add new coupons daily.[2] You can share your coupons with friends via email and invite them to participate in the savings too.

WOWPONS

Combine green shopping and bargain hunting with WOWPONS’ mobile coupon app. They accumulate grocery coupons for everyday brands and provide them to their app users daily.[3] A big part of saving is staying organized, and WOWPONS’ grocery list feature allows you to do just that. You can create, share, and save multiple shopping lists and access them from your phone as soon as you step into the grocery store. Additionally, WOWPONS will remind you when your coupons are close to expiring and alert you to new discounted products that you might appreciate.[3]

Yowza!!

This app has taken going local to heart: they provide app users with free coupons and deals from nearby businesses. When you’ve entered your geographic location, Yowza!! will hunt for offers as close as a mile away, and as far as 50 miles away. Customer satisfaction is one of their top priorities, so they won’t spam your phone. You can access deals on your own time instead of being bombarded with messages.[4]To cashin your coupon, all you have to do is let the cashier scan the product’s barcode on your smartphone. Since the deals come straight from merchants, there’s a much lower chance of your coupon being rejected; Yowza!! is working to add new merchants across the country every day.[4]

Cellfire

With Cellfire, you can find deals on the Cellfire website and save them to your smartphone to use at your convenience. Just show the coupon to the cashier to receive your discount. When you hut for grocery coupons, your selected savings will be saved directly to your store savings card, so that they are automatically deducted when you swipe your card.[5] Cellfire emphasizes relevance, so they take care to send you offers that you’ll actually be interested in and remind you if any of your saved coupons are due to expire soon.

Download any one of these apps to join the mobile coupon revolution. They could save you a ton at stores that you visit every day. Get access to coupons for groceries, clothes, electronics, and more, that are all easy to use and conveniently located on your smartphone.

Rachel writes articles for Allied Cash about, responsible borrowing, investment, and budgeting.

References 

1. “Pushpins:About.” Pushpins. n.d. n. page. Web. 4 Jun. 2012. <http://www.pushpinsapp.com/about>.

2. Coupon Sherpa LLC. “Coupon Sherpa Mobile Coupons.” iTunes Preview. n.d. n. page. Web. 4 Jun. 2012. <http://itunes.apple.com/app/coupon-sherpa-mobile-coupons/id309938343?mt=8>.

3. “Mobile Coupons.” WOWPons. n.d. n. page. Web. 4 Jun. 2012. <http://www.wowponsmobilegrocerycoupons.com/mobile-coupons.html>.

4. “Yowza!! Is Savings in Your Pocket.” Yowza!!. n.d. n. page. Web. 4 Jun. 2012. <https://getyowza.com/learn>.

5. “What is Cellfire?” Cellfire. n.d. n. page. Web. 4 Jun. 2012. <http://www.cellfire.com/whatiscf.php>.