For Moms Finding Solutions To Planning A Family Trust 7:07 AM Thorny Problems and Solutions All of us at one time or another have reached a dead-end.In making an estate or trust plan, for example, there are many things to consider. At times like this, it is good to consider getting outside help and a square-headed advisor who is a professional. Finding Solutions to Planning a Family Trust Estate Planning Professionals Estate planning is needed as part of planning your final days, so you want to find the right people to help you. There are professional trust advisors available to help with these estate plans. For example, there is a dynasty trust by Anderson Advisors. Anderson Advisors has helped many clients plan all the details of their final estate and how it will be divided among family members. Correcting Mistakes Nothing is perfect in life. When we plan, we often make mistakes. The reason a trusted advisor is important is that they are trained in final preparations and know the legal information that will affect our planning. If we have made a mistake in our planning, it will be noticed by our professional advisors when we show them our plans. Making a family trust without mistakes would require us to be professional estate planners. It is much easier to give the heavy lifting of all the details to our trusted financial advisor. Thinking Through Our Legacy When it's time to plan your family legacy and how we will be remembered, you begin to have more questions than answers. What is a Trust? What is the difference between a revocable and irrevocable trust? Then there are the unique needs and spendthrift trusts which you plan to use but don't know enough about. What to do? You find that setting up a trust and going through a probate court to establish a beneficiary of your assets may require months or years. It dawns on you that seeking an advisor is the logical solution to getting the right ideas that will allow you to make the right decisions. Free Estate Planning Help There's plenty of help that's free on the internet.You can Google "estate planning" and get free advice. Or, you can visit your local bank branch, which usually has financial advisors trained in estate planning. Making a phone call to your local bank will give you an understanding of what their process is and what documents you will need to get started. Visiting a Local Library Visiting a local library can be an excellent resource in getting the latest information on estate planning or getting a trust made. Your local librarians are trained in helping library patrons find the information they need. They'll make sure you find the most recent information you need to make a decision. Talking to Friends Do you have friends who have planned a trust or will? Speaking with someone you can trust or have a common interest as a close friend or relative will allow you to get a perspective of what you want to do. Once you share with someone, they can share their solution to solving a big problem like estate planning. There is no guarantee they will have an answer or that they'll understand what you are trying to do. But a compassionate ear in finding a needed solution will prove very helpful. Deciding on how to distribute your assets equitably throughout the family, and creating a legacy trust, may require speaking to a tax professional or legacy trust advisor. When Obstacles Show Themselves You will need to make decisions about trimming all the details in your life and settling accounts with everyone. Estate planning doesn't happen often. Knowing the essentials can help you make the right decisions. Presently, you are at a crossroads because you only have so many assets. You are planning to spread them around to members of your immediate family. You want to leave them a little something of your legacy.Find help and find solutions to planning a family trust as soon as you can.
Lux Thinking Aloud How To Be Truly Rich And Why You Should Be 7:13 AM We lived comfortably. My father was a good provider, but I've never heard my parents talk about money. So, it never occurred to me that I could, and it's okay to want to be truly rich. How to be truly rich, and why should you be? I have always been content with how my life is going. My basic needs are met. I've traveled to beautiful places. I can afford to watch a movie. I'm not deprived of good food and gadgets. What more can I ask for? Why would I aspire to be more prosperous when I have what I need and even have extra to enjoy a little luxury here and there? "I." How small were my dreams, and how selfish was I? All I thought about was myself. The older I got, the stronger my compassion for others grew.The more I see how the world really is, the more I want to help change it. When I started listening to Bro Bo Sanchez's preaching years ago, I realized that being rich is not evil, selfish, or greedy IF your ultimate goal is to help others. I want to save as many stray animals as possible and give them a better life. Gifer I want to help build communities that provide a livelihood for the poorest of the poor. I want not only to continue helping charities but to increase the assistance I provide. I want organizations to continue their marvelous works of saving the planet by sponsoring them. Yes, it starts with "I," but now it's about others. How can I do all these things if I only have "just enough" for myself? The change I wish to see in the world will not come to pass unless I change myself, step out of my comfort zone and do something about it. Instead of turning a blind eye to the problems I see that bother me (like animal cruelty and extreme poverty), I decided to find a way to help. And here's a way I've found: growing and changing not only to be rich but be truly rich.Be wise enough to choose the best-performing stocks and shares. Because just because you're investing your money doesn't give you the guarantee that it will grow. So be wise in picking the ones that will increase through time. What does it mean to be truly rich? It means I'm not only growing my money, but I'm also nourishing my soul and taking care of my health. To be truly rich is not just about superficial worldly success. It is becoming a whole person, enriching all areas of your life, not just your wallet. Money is not the root of all evil, but the love of money is. So it is essential to increase my finances and become a more godly person in the process. I wish I had started early. How I wish I knew better when I was younger. When I started working, my colleagues were excited to apply for a loan and convinced me that I should too. Because of the reports, someone else will if you don't use your money. A sad truth about our government. Little did I know that I would be paying for the consequences of that "small" loan big time in the future. I wish schools taught us about handling finances wisely as early as they taught us how to count. But they don't. Maybe it's a conspiracy theory among the richest of the rich. We'll never know. 🤷 But here's what I know: It's never too late to start investing. I started in my late 20's. But, of course, some people began way later. If you ask me when to start, I'll say today is the best day to begin investing. I have a love and hate relationship with Math. Okay, maybe more hate. But I know numbers will always be a part of life wherever I go. Since numbers bore me and analyzing the stock market will surely give me headaches, I turn to people who know me better for help. So I signed up for the Truly Rich Club. I never regretted it. 13 Amazing Benefits of the Truly Rich Club 1. Soul Food You'll receive a monthly Power Talk in mp3 form. These uplifting, positive, and encouraging monthly messages will build you up and enrich your soul. 2. Success Mentors Collection This is Bo's interview with successful people and experts. You'll learn from the best of the best. 3. No-Fuss Wealth Strategies The wealth strategies are brief, to the point, and applicable to your life. Bro Bo says, "We'll cover everything—from the universal principles of abundance to the nitty-gritty stuff, like where to invest and grow your money, how to protect your wealth, etc." 4. Daily God Whispers We receive bad news left and right every day. It can get really toxic. When you sign up with TRC, you get short godly messages reminding you of the excellent daily. This serves as a compass that leads you to the right path. 5. How To Be Truly Rich Audio Seminar Another ready-to-download audio will help enlarge your "psychological wallet" and prepare you to receive abundance in your life. 6-7. Powerful eBooks Bro Bo's bestselling books HOW TO CONQUER YOUR GOLIATH, 7 Keys To Overcome Every Problem That Prevent You From Reaching Your Dreams, and How To Turn Your Thoughts Into Things will be yours for FREE if you sign up. 8. Handsome Commissions For every person that joins TrulyRichClub because of your invitation, you get 20% of his or her monthly subscription fee every month. PLUS a 5% commission for all the subscribers this person gets. So you get 20% on your first line and 5% on your second line. 9. Earn from Bro Bo's other internet works If your friend does not like to join TRC, maybe they'll be interested in joining GodWhispersClub instead? Or perhaps they'd want to buy eBooks from Bro Bo? You can earn 20% commissions for every sale, too PLUS 5% commission for every sale referred by your first downline. 10. The book that inspired me to invest My Maid Invests In The Stock Market... And Why You Should Too is Bro Bo's book about how he taught his house helps and drivers to invest in the stock market. The eBook version is one of the freebies you will receive when you sign up. 11. Monthly stock update As I've said, I don't like numbers. So I know I'll lose more than gain if I handle my stocks myself. That's why it helps a LOT to receive monthly stock updates from the experts in TRC. And it's absolutely FREE. 12. Php 100,000 Life Insurance Nothing is sure in this world. Accidents could happen. When I leave this world, the last thing I want to do is be a burden to my loved ones.TRC just knows how to take care of its members. They provide Term Life Insurance of One Hundred Thousand Pesos (P100,000) for members who have been with TRC for one year or have paid a 1-year membership. 13. TRC affiliate page with email swipes and banners It won't be too hard to promote or invite your friends to join TRC. They provide email swipes and banners that you can simply copy and paste. "Compound interest is the eighth wonder of the world." Those are words from the genius Albert Einstein. He said, "He who understands it earns it; he who doesn't pay it." Entrepreneur Jim Rohn said, "You must get good at one of two things. Planting in the spring or begging in the fall." One of my fears is that I would end up begging in the fall simply because I didn't try harder. In the Internet era, we have no excuse not to learn or not to try. Everything we need to know is on the internet. Gurus and mentors have videos and blogs with powerful content for us to gobble. I got sick of giving myself excuses: I have no time. I don't know how to do it. It's not for me. I don't have enough to start. To be truly rich is for all of us. We can learn and have the time if only we say yes to this opportunity. I am not a millionaire yet, but that is the goal. And I'm not ashamed to declare that because my goal is not to buy the most expensive car or live in a mansion (although if that's your dream, go for it). My goal is to enjoy this life by doing what I love, which is traveling, and most importantly, to help make this world better. Tenor I wish to leave this world better than I found it. I hope to give to those who are in need. But I can't give what I don't have. That's why I aspire to be truly rich. How about you? What is your biggest dream, and how do you work on it? Is Truly Rich Club for you? Find out here. This post contains affiliate links. This means I get a commission if you purchase through my links at no additional cost. This helps me maintain my site.
Listicle What To Expect After Becoming Bankrupt 2:57 AM What To Expect After Becoming Bankrupt Bankruptcy is not for everyone. Here are five bankruptcy stats that may interest you:More than 1.5 million people are filing for bankruptcy every year.40% of those who filed for bankruptcy lost their jobs.Alabama is the state with the highest bankruptcy rate.52% of filers for bankruptcy are male.62% of personal bankruptcies in the United States were due to medical expensesIf you believe that filing for bankruptcy is the best option for you right now, you need the right people to guide you.If you have large debts you can’t seem to cope with and you’re thinking about bankruptcy, you can use Creditfix. You may also wish to get in touch with people like these chapter 11 bankruptcy lawyers in Harrisburg PA to get help from experienced legal practitioners who are more than happy to help you manage your large debt.These financial experts are ready to provide you with good advice before making any definite moves. What can you expect after going bankrupt? What to Expect After Becoming Bankrupt Why do people file for bankruptcy?Why do some people go bankrupt?People can become bankrupt for several reasons.They experience a decrease in their income and an increase in their debts and bills.They may have been retrenched from their jobs.They may overspend and their credit card bills skyrocket.Some are dealing with a divorce or the death of the breadwinner in the family.Or spent most of their savings on medical bills.You can apply for bankruptcy yourself or your creditors may force you. If you owe one creditor over £5,000 you can apply for your bankruptcy. In reality, bankruptcy is an absolute last resort and it’s only advisable for borrowers with unsecured debts of £20,000 and over. If you owe less than £20,000 then you may be better with solutions like individual voluntary arrangements (IVAs) or debt relief orders (DROs). How does bankruptcy work? To declare yourself bankrupt, you must fill out a form at the GOV.uk website. You’ll need to have documents like payslips, bills, council tax letters, rent or mortgage agreements, and the details of all your debts. In England and Wales, it costs £680 to apply for bankruptcy (it’s £669 in Northern Ireland). While this might seem like a lot, you can pay it in installments (minimum of £5) if you pay online. Once your application is in, you can expect the adjudicator to decide in 28 days whether to accept it and issue a bankruptcy order or to reject it. If you’re successful at your bankruptcy application... If you get a bankruptcy order, you can expect all your bank accounts to be frozen immediately. Some or all of your non-essential assets could be sold to pay creditors and the remainder of the debt is written off. If you have enough disposable income, you might be asked to make some ongoing payments each month for up to three years. How long does bankruptcy last? How long can you be bankrupt?Expect bankruptcy to last for 12 months, during which time you’re undischarged bankrupt. Once the 12 months are up, your bankruptcy remains on file for five more years. Credit providers and banks can see this information and use it in their decision-making processes. Is it possible to get credit if you're bankrupt? While you’re filing for bankruptcy, don't expect to get a personal loan or a credit card.During your period of bankruptcy, you won’t be eligible for a bank account that has an overdraft facility or a checkbook. You can make do with a basic bank account so you can pay direct debits and standing orders and receive wages and benefits. What else is affected if you go bankrupt? It’s not just credit offerings like overdrafts and loans that can be affected if you go bankrupt. Expect other services and products can be too. Your insurance premiums may go up as your providers can see that you have been bankrupt recently. This is to cover what they see as an additional risk, as you pay for an annual policy in monthly installments. Alternatively, your insurer may offer you the chance to pay for your whole year upfront to keep down the cost. For large debts, you might sell your house to pay your debts and find a rental property. Finding a tenancy agreement after you go bankrupt can be difficult. Having a financially-stable relative or friend to act as a guarantor is a good idea.Have you ever had a difficult money situation? Did it ever lead to or did you consider filing for bankruptcy?Keep these things in mind so you'll know what to expect after becoming bankrupt.
Listicle Make Sure You Diversify Your Portfolio 4:00 AM All sensible investors know about diversification and why it’s essential for a successful portfolio. It’s really important for you to own stocks from various industries and sectors, as well as from different territories and even in different forms, like commodities, stocks and ETFs. Having a diversified portfolio spreads out the overall risk to it because if one company or sector takes a hit, the rest of the assets bear up and stop your portfolio losing too much, if any, value. It looks like we may be facing some turbulent economic times soon, too, so diversification is even more important. Times like these make investing in physical assets a really good idea because when things are unstable and financial indices are unpredictable, tangible assets come to the rescue. Precious metals are ideal here, so look into bringing some into your portfolio; you’d be surprised by cheaply you can get started. Make Sure You Diversify Your Portfolio Why should you diversify beyond your regular stocks Most people think diversification is more about having holdings in different sectors and commodities; they rarely think about buying and holding the actual physical thing. Having lots of different industries and sectors is great, especially while the economy’s buoyant, but we all know that the sky isn’t always blue. If a big market correction is on the cards, then physical assets can act as an insurance. This is why investors are increasingly choosing to buy gold, silver and other metals. When there is a market correction, some investors panic, sell their usual stocks and plough the money into precious metals. This reduces the market supply of metals, which pushes up their prices. So, if the economy falters in 2019, or we’re suddenly hit with high inflation, your precious metals won’t be facing the same risks as your paper commodities and your dollar-linked vehicles. Back in the 2008 global crash, gold did much better than pretty much all the stock-based portfolios out there. Now is the best time in a long while to go shopping for metals because there’s a chance that their prices might start to rise soon. You also need to diversify your metal portfolio Most metals investors start off with gold and silver – the trusty old players – but it’s a good idea to add in platinum, copper and palladium, as well as vary the size and formats of your bars, ingots and coins. Having different sizes, from gram to ounce, for example, means you can sell smaller bars to raise smaller amounts of cash. Of course, the crash will probably not be anything as bad as we’re imagining. This doesn’t mean that you’ve wasted all your money on a bunch of shiny trinkets, though! Metals always increase in value, with a few dips along the way, of course, so after a few years you’ll have your pile of precious metals and it’ll have grown in value. You can sell some or all of it at a decent profit, or maybe pass it onto the children or grandchildren so they can use it for their college funds or house deposits. If you like this blog post about life and love, please share the article using the social media buttons below or on the left. Thanks! Home 3 Home Improvements Worth Investing In 7:00 PM 3 Home Improvements Worth Investing In Home improvement or home renovation is no joke. You need to spend your hard-earned money and your time, and energy on this project.Check the different parts of your house and see which need to be repaired, replaced, or refurbished. Regardless of what work needs doing, whether you are needing foundation repair in St Louis, window replacements in New York, or simply general help with your home renovation, speak with professionals who offer high-quality construction so you can be assured of a job well done. Now the question is, which parts of your home are worth improving and investing in. 3 Home Improvements Worth Investing In 1. Invest in outdoor furniture to improve your homeIf you've got the space outdoors, use it. Maximize it. Not everyone has the luxury.Make your outdoor more comfortable by adding furniture such as chairs, and tables. Build an outdoor kitchen in case you want to have dinner parties or BBQs. Consider stainless steel outdoor kitchen cabinets as they are resilient to the weather. Add some arts with a landscape, pond, fountain, a patio, and some outdoor decors.Your kids and furkids would love the extra space for running around and playing.You'll enjoy a romantic date with your partner under the stars without even leaving your home.Build a botanical garden.Being closer to nature can help improve your well-being as its abundant in negative ions.These ions offer a lot of health benefits, including:increase in serotonin (happy hormones)enhanced immune systemboost in energy levelInvesting in the renovation of your outdoors is also investing in your mental health. 2. Invest in renewable energy for your home Invest in energy conservation. This can help you save money on operating costs. Add ground-mounted solar panels if you have the space.Solar power is an efficient and more sustainable source of electricity and heating. The initial cost may be expensive but you get to save more in the long run. 3. Invest in real wood floors for your homeAvoid laminated floors and get real wood floors. Oakwood floors with a different stain would also do if you're on a budget. The price of installation of floor woods differs in many factors. Consider the width, thickness, construction of the hardwood product, and where it needs to be installed.Real wood floors will not only make your home look classy but it also last longer.Improving your home is improving the quality of your life. If you want to increase your standard of living, start by renovating your home. Invest in home improvements because you know you're worth it. How-To 5 Basic Budgeting Steps 8:00 PM Frugality includes all the other virtues. -Cicero Basic budgeting isn't as hard as you think. Still it is a challenge for many. I know because I'm surrounded with people struggling to make ends meet. I too, have had my fair share of financial struggles. Had I discovered the 5 basic budgeting steps earlier, I wouldn't have gone through it. Growing up, I've never seen my mother do a budget-check. I've never seen her concerned about saving. She's a spender. When I started working, my colleagues get excited about loans. Loans! And not having the foundation or literacy about financial management, I thought it's a good thing and joined the bandwagon. Having attended several financial seminars, read financial books and blogs, and being a trying hard Ms. Frugal, I've learned my lessons. Here are 5 simple budgeting steps I'd like to share: 5 Basic Budgeting Steps 1. Break it down! I've learned this from Bo Sanchez. Break down your income into three parts: 10% - Tithe or give back to the universe. 20% - Invest in your choice of investment. I prefer paper assets and profit sharing because I'm not really business savvy and I don't have time to focus on a physical business. 70% - Spend. Giphy 2. Know the difference Do you know the difference between your "wants" and "needs"? You need to eat food, but you want ice cream and chips. I'm not saying you should never eat junk food. Ideally, you shouldn't but that's a different topic.If you can't help it then can do it in moderation. The point is that: you don't NEED junk food. You just want it. Giphy 3. Compare.Before buying, research, ask around, or check the price of the item or service you need. Compare and see which brand offers the cheaper price but doesn't compromise quality. Remember: you get what you pay for. So if you buy really cheap thinking you've saved, you end up buying again because it usually doesn't last. Google 4. Make a plan and have a target. Saying "I'm going to save money" is very vague. Be more specific.How much are you planning to save? When is your target date to achieve this amount? How are you going to get to that financial goal? Plan. Make a system. Be lenient with yourself as change may happen along the way. Or there may be unforeseen events in which you won't be able to set aside the certain amount you planned to.But stick to your goal. Eyes on the prize. Giphy 5. Be patient. Nothing worth having comes easy. You can get impatient if you don't see any progress or change right away. Think five, ten, twenty years from now. Remember the power of compound interest. Find your emotional why. Why do you want to save? What is your intention? What is your drive? Dig deep into your soul. Imagine your future self. Are you going to thank your present self when you look back? Giphy I've got good news! The first-ever TrulyRichClub Online Wealth Summit: Money Machines is here! September 22, 2018 (Saturday, 8:00AM to 12:00PM). At the comfort of your homes (or wherever you are in the world), you can learn: How to invest in the stock market Change your financial mindset Grow in your financial life Here's the best part:The webinar fee is 100 Php or 2 USD (Price will go up to Php 200 or 4 USD by August 11, 2018). How much is your cup of coffee? How much did you pay for your smartphone? How much did you spend on your last shopping? How much was that movie ticket? Surely, it's more than this ticket price. This is a rare opportunity that you don't want to miss. If you're ready to change your life and bless the world, this is your ticket. Be financially free. Learn how to improve your financial literacy and be truly rich. Truly Rich Club Online Wealth Summit 2018: Money Machines Lux Thinking Aloud How To Improve Your Financial Literacy And Be Truly Rich 7:44 AM One of my biggest regrets in life is not taking money seriously early on. If I can give my younger self any advice, it is this: improve your financial literacy. How to improve your financial literacy and be truly rich is not as hard or boring as it sounds. Especially thanks to the internet. Genius Albert Einstein himself said, "Compound interest is the most powerful force in the universe." Time is essential in investing. At the present, it is bear market (prices are falling). While the stock market is down is actually a great time to buy. Because it's like shopping while everything is on sale. I'm not an expert in investing. In fact, I don't have millions---yet (that's the dream!). That's why I do my research, I read books about it, I attend seminars and webinars to help me change my mindset first and learn the right strategies in increasing my income flow.I read reviews about online brokers like robinhood app review so I'm in the know. I look for people or organizations that can guide me and help me reach my goals. That's why I signed up and became a member of the Truly Rich Club. Why Truly Rich? Because true wealth is not just about increasing your finances. It is also about growing abundantly in all areas of your life. As founder Bo Sanchez believes, you can get rich without robbing your soul. What I've Learned About Money Everybody wants to eat but only a few is willing to hunt. We all wish we have a convenient and comfortable life. Sure we hear some people say they just want the simple life. That wanting to be rich is ambitious, selfish and worldly. But you also hear them complain about how they can't afford something they want---even it's just as simple as going to the movies or traveling. They'd say "If only I have some extra cash, I'd buy this or I'll do that." Most people are content to daydream about becoming rich but they don't want to put in the work. They don't like to hassle. They want to skip the grind. Giphy In the animal kingdom, you don't get to eat if you don't hunt. In the Bible "If anyone isn't willing to work, he should not eat." - 2 Thessalonians 3:10 There is no shortcut to success. I have joined several networking companies promising a quick way to become wealthy. In my recklessness as a youth and my dream to "retire young and rich" I invested hard-earned money to these companies. I've learned my lesson the hard way to put it simply. But these lessons are priceless. And I'm glad that somehow, I took the risks in investing while I was younger and single. It would have been a different story if I gambled my kids' tuition fees or used my retirement fund for it. There is no elevator to success, you have to take the stairs - Zig Ziglar Start early so you can fail early. Then start again. Wiser every time. Tenor Prosperity is a gift It is part of God's plans to prosper us (Jeremiah 29:11). And God is able to make all grace abound to you, so that having all sufficiency in all things at all times, you may abound in every good work. - 2 Corinthians 9:8 As a good Father that He is, He generously provides for our needs and takes delight in blessing us abundantly (Deuteronomy 30:8-10). As a gift, prosperity needs to be shared. Prosperity should be used to help build the kingdom of God. Giphy God wants His children to live abundantly. Translation: God wants us to be rich. If you don't want to believe me, read what the Bible says about money. To be truly rich is to be selfless In my journey towards financial freedom through financial literacy, I often stumble. It's tempting to stop and be content with good enough because honestly, what's wrong with that? Having enough means you can eat three decent meals a day. You can travel once in a while. You can watch movies whenever you want. You can have a slice of cake for dessert. You can enjoy life having enough. But then I would see people and animals who are homeless, sick, abandoned and clearly needing help. I can't count the times I wish I could stop and not just feed a hungry dog in the street but take him home and give him the best life he deserves. But I can't. Having dogs doesn't come cheap. I know the vet bills and food can take a huge chunk in your budget. I know because we have 16 dogs at home. I asked God, "What can I do? How can I help when I only have just enough for myself?" That's when I realized that to have just enough is never really enough if I want to do more good for the world. To be content with the good is stopping myself from becoming great so others can also benefit. No, it's not encouraging people to be social parasites. It's not feeding the sluggard. It's having the means to teach them how to fish and not just give them a fish. It's allowing myself to be an instrument through which God's blessings can flow to those who need them Giphy To be truly rich is to be a channel of God's grace. It is about being bold enough to ask God not just to bless you with enough but to bless you with a double portion so you can in turn bless the world. To be truly rich is to be selfless. How to Improve Your Financial Literacy I know my weaknesses and I am fully aware that I cannot be rich on my own. I agree with George Matthew Adams that "There is no such thing as a 'self-made' man. We are made up of thousands of others." I hate Math. I don't know how I passed my Math subjects. I see long calculations and my mind starts to go blank. But money is about numbers. Stock market is about figures. How can I increase my finances through it if I know it will be hard for me to understand? Simple: seek help from the experts. That's what I love about Truly Rich Club. They are a team of experts giving you daily updates about what to buy, sell or hold in the stock market. Not only do they send Power Talks and tips you need to prosper financially, they also send inspirational talks about health, personality development and most of all about spiritual growth. GodWhispersClub.com - Get A Megadose of Blessing. And Take Your Life To A New Direction. 52 Healing Habits - How to Transform Your Health, in Body and Soul, One Simple and Powerful Habit at a Time! Good news! I have never attended a Wealth Summit by Bo Sanchez because honestly, it's quite expensive. But here's the good news: The first ever TrulyRichClub Online Wealth Summit is here! It will be on September 22, 2018 (Saturday, 8:00AM to 12:00PM). At the comfort of your homes (or wherever you are in the world), you can learn: How to invest in the stock market Change your financial mindset Grow in your financial life Here's the best part: Webinar fee is 100 Php or 2 USD (Price will go up to Php 200 or 4 USD by August 11, 2018). How much is your cup of coffee? How much did you pay for your smartphone? How much did you spend on your last shopping? How much was that movie ticket? Surely, it's more than this ticket price. This is a rare opportunity that you don't want to miss. If you're ready to change your life and bless the world, this is your ticket to that. Be financially free. Learn how to improve your financial literacy and be truly rich. Truly Rich Club Online Wealth Summit 2018 Hey, did you find this post helpful or entertaining? Please go ahead and share. Share buttons on the left and at the bottom of the article. Big thanks! Subscribe to About Life And Love by Email Freelancing 5 Things To Make Your Summer Productive And Fun 7:18 AM 5 Things To Make Your Summer Productive And Fun Summer is here! We can all feel the temperature rising. How do you want to spend your summer this year? Another vacation? Visit new places? Couch-surf? Summer is also the best time to learn something new or start a new hobby or project. If you don't want to be glued to the couch all summer long, it's time to look for a summer job or start a business. Start earning some bucks while others toast their bun under the sun. Here are five things to do to make your summer productive and fun, especially for students. 1. Intern or get hired. It's not as bad as it sounds. Getting a summer job or internship can help you build your portfolio or add to your experiences, giving you an edge when you finally apply for a job.If you have an excellent performance, the company can open its doors for you after you graduate or put in a good word for you to others. Plus, you need extra cash for the school year or an additional income if you're already working. 2. Start a business.You can do many productive things over the summer as a student, and earning money is one of them.You don't have to purchase a franchise or borrow loads of money to start your own business. You can start at home. With zero capital. How? Use your skills. Are you a good cook? Sell your sumptuous dishes.Can make bonsais or succulents? A lot of people have become plant parents in the past year. They'd be more than happy to buy from you.Do you have an eye for taking awe-inspiring photographs? Get hired.Are you good at any sports? Teach. If you're a great swimmer, swimming classes are big during summer. Offer online services by creating a profile on platforms like LinkedIn or a marketplace like Upwork.Ask friends if they can refer you to a client.If you live in a touristy place, you can be a tour guide for people visiting your town or city. With the help of the internet, the possibilities to make your summer fun and productive are endless. 3. Get sporty. Since summer is the best time to be outdoors, learn a new sport. Volleyball, softball, tennis, golf, whatever it is you're interested in, do your research and be prepared. In softball, for example, buy the proper gear and/or equipment needed. Choosing the right softball bat is paramount. Pick one of excellent quality, durable, and helps you perform well. Many sports stores can offer this, and you can also use it online. One website that can give you complete information about softball bats is aroundthebats.com. They provide a comprehensive buying guide and look at top brands and the rules and regulations of leading softball associations to help give you the best material you need.Make sports a part of your productive summer routine, so you stay physically fit and mentally sound. 4. Volunteer. What can be more productive and noble than offering your services to those in need without asking for anything in return? Here's where and how you can serve: Volunteer at a shelter and help animals in distress. Foster a rescued animal.Help serve in charities and do community service like clean-up drives.Work with the youth by tutoring.Help organizations that reach out to the less fortunate.Help serve in homeless shelters.Donate or volunteer at food banks. No act of kindness, no matter how small, is ever wasted.- Aesop 5. Learn something new. Enroll in summer classes to improve your skills or learn something totally new. Here are some new things you can discover this summer.A new languageNew hobbies like cooking, gardening, knitting, painting, bar-tending, and writing.CalligraphyAstronomyOrigamiPhotographyYou can learn all these by enrolling online or in a nearby school or learning center. Find something that aligns with your passion or something you can use later to monetize. Not only will you be more productive, but you'll also meet some interesting people along the way.Looking for an exciting and enriching way to make your summer productive and fun? How about delving into the vibrant culture of Japan by studying Japanese in Sydney? Immerse yourself in the language, discover the art of sushi-making, and embrace the beauty of traditional tea ceremonies. Expand your horizons while enjoying a memorable and educational summer experience. Make Your Summer Productive And Fun Don't let another summer pass you by. Use this time not only to have fun but also to be more creative and fruitful. Discover your passion and purpose while earning some profit on the side. Make this season something that will improve your life by making your summer productive and fun.What fun and exciting summer activities are you doing this year? For Moms Use Your Business To Teach Your Kids Life Skills 5:52 AM Kids learn more about life by observing rather than just studying. They are often more aware of things that we could ever try to be aware of. Those are the best teachable moments with life skills that will get them to their adult years. It is important to include your children in things you may think they don’t understand, especially in matters of business. Today we take a look at a massage therapy business and how it can be that teaching tool to empower your children to achieve their dreams. Use Your Business To Teach Your Kids Life Skills Working Hard Reaps Rewards All massage therapists have to be trained and obtain state licensing in order to operate a business. Often, this looks like a one to two-year endeavor that comes with rewards each step of the way. They notice you taking classes and practicing on family and friends. They question why you put so much energy into this thing that you desire so much. They may even ask you and look skeptical when you show enthusiasm. They hear you complain when things get tough or you are just ready to be done, they wonder some more about why you are “torturing” yourself. Then you graduate and get the licensing. You are jumping up and down for joy and they see how important it was for all that hard work. The rewards don’t stop there. They will see you working hard and growing a business that pays for their doctor appointments and piano lessons. Every step of growth is noted and you should include them so they too can be motivated to chase their own dream. Financial Scene Can Help Them Some parents shy away from telling their children about finances. They don’t want their children to share details of bank accounts or when things get difficult. Really, using your business is a great way to show them what it takes and the best financial practices they can apply themselves when the time comes. For example, if you are shopping for Earthlite massage therapy supplies, allowing them to see how much it costs to run a business is a good thing. Showing them how you budget for those items and showing them how you allocate it into your prices are also good things. A reality check on expenses allows them to understand how it affects the budget and the sales price. You are teaching them a valuable skill on how to create their own successful business! Let Them Work With You You can also include your children with age-appropriate work that can let them learn more about your business. It may be as simple as going through voicemail or filing some documents somewhere. Maybe they can help keep your massage room neat and tidy or restock some shelves with supplies. When you make them a part of your business, they get to understand so much more by doing rather than reading a book. We do want to stress that it isn’t necessarily about grooming your child to take over your business one day. Their interests might lie somewhere else that is something that can turn into a money-making endeavor later on. Whether they choose to take on a family business or start their own, it’s the lessons that are valuable in teaching them to be contributing community members. Just think of all the life skills that take place within one little business like massage therapy. They learn financial skills, nurture that entrepreneurial spirit, contributing to their local community, and self-sustaining. These are all important to a well-functioning society and we can’t rely on traditional schools to teach it. You add to their education, without them knowing it, and you have given them more of an upper hand than they will ever realize. Hey, did you find this post helpful or entertaining? Please go ahead and share. Share buttons on the left and at the bottom of the article. Big thanks! Subscribe to About Life And Love by Email Newer Stories Older Stories
Home 3 Home Improvements Worth Investing In 7:00 PM 3 Home Improvements Worth Investing In Home improvement or home renovation is no joke. You need to spend your hard-earned money and your time, and energy on this project.Check the different parts of your house and see which need to be repaired, replaced, or refurbished. Regardless of what work needs doing, whether you are needing foundation repair in St Louis, window replacements in New York, or simply general help with your home renovation, speak with professionals who offer high-quality construction so you can be assured of a job well done. Now the question is, which parts of your home are worth improving and investing in. 3 Home Improvements Worth Investing In 1. Invest in outdoor furniture to improve your homeIf you've got the space outdoors, use it. Maximize it. Not everyone has the luxury.Make your outdoor more comfortable by adding furniture such as chairs, and tables. Build an outdoor kitchen in case you want to have dinner parties or BBQs. Consider stainless steel outdoor kitchen cabinets as they are resilient to the weather. Add some arts with a landscape, pond, fountain, a patio, and some outdoor decors.Your kids and furkids would love the extra space for running around and playing.You'll enjoy a romantic date with your partner under the stars without even leaving your home.Build a botanical garden.Being closer to nature can help improve your well-being as its abundant in negative ions.These ions offer a lot of health benefits, including:increase in serotonin (happy hormones)enhanced immune systemboost in energy levelInvesting in the renovation of your outdoors is also investing in your mental health. 2. Invest in renewable energy for your home Invest in energy conservation. This can help you save money on operating costs. Add ground-mounted solar panels if you have the space.Solar power is an efficient and more sustainable source of electricity and heating. The initial cost may be expensive but you get to save more in the long run. 3. Invest in real wood floors for your homeAvoid laminated floors and get real wood floors. Oakwood floors with a different stain would also do if you're on a budget. The price of installation of floor woods differs in many factors. Consider the width, thickness, construction of the hardwood product, and where it needs to be installed.Real wood floors will not only make your home look classy but it also last longer.Improving your home is improving the quality of your life. If you want to increase your standard of living, start by renovating your home. Invest in home improvements because you know you're worth it.
How-To 5 Basic Budgeting Steps 8:00 PM Frugality includes all the other virtues. -Cicero Basic budgeting isn't as hard as you think. Still it is a challenge for many. I know because I'm surrounded with people struggling to make ends meet. I too, have had my fair share of financial struggles. Had I discovered the 5 basic budgeting steps earlier, I wouldn't have gone through it. Growing up, I've never seen my mother do a budget-check. I've never seen her concerned about saving. She's a spender. When I started working, my colleagues get excited about loans. Loans! And not having the foundation or literacy about financial management, I thought it's a good thing and joined the bandwagon. Having attended several financial seminars, read financial books and blogs, and being a trying hard Ms. Frugal, I've learned my lessons. Here are 5 simple budgeting steps I'd like to share: 5 Basic Budgeting Steps 1. Break it down! I've learned this from Bo Sanchez. Break down your income into three parts: 10% - Tithe or give back to the universe. 20% - Invest in your choice of investment. I prefer paper assets and profit sharing because I'm not really business savvy and I don't have time to focus on a physical business. 70% - Spend. Giphy 2. Know the difference Do you know the difference between your "wants" and "needs"? You need to eat food, but you want ice cream and chips. I'm not saying you should never eat junk food. Ideally, you shouldn't but that's a different topic.If you can't help it then can do it in moderation. The point is that: you don't NEED junk food. You just want it. Giphy 3. Compare.Before buying, research, ask around, or check the price of the item or service you need. Compare and see which brand offers the cheaper price but doesn't compromise quality. Remember: you get what you pay for. So if you buy really cheap thinking you've saved, you end up buying again because it usually doesn't last. Google 4. Make a plan and have a target. Saying "I'm going to save money" is very vague. Be more specific.How much are you planning to save? When is your target date to achieve this amount? How are you going to get to that financial goal? Plan. Make a system. Be lenient with yourself as change may happen along the way. Or there may be unforeseen events in which you won't be able to set aside the certain amount you planned to.But stick to your goal. Eyes on the prize. Giphy 5. Be patient. Nothing worth having comes easy. You can get impatient if you don't see any progress or change right away. Think five, ten, twenty years from now. Remember the power of compound interest. Find your emotional why. Why do you want to save? What is your intention? What is your drive? Dig deep into your soul. Imagine your future self. Are you going to thank your present self when you look back? Giphy I've got good news! The first-ever TrulyRichClub Online Wealth Summit: Money Machines is here! September 22, 2018 (Saturday, 8:00AM to 12:00PM). At the comfort of your homes (or wherever you are in the world), you can learn: How to invest in the stock market Change your financial mindset Grow in your financial life Here's the best part:The webinar fee is 100 Php or 2 USD (Price will go up to Php 200 or 4 USD by August 11, 2018). How much is your cup of coffee? How much did you pay for your smartphone? How much did you spend on your last shopping? How much was that movie ticket? Surely, it's more than this ticket price. This is a rare opportunity that you don't want to miss. If you're ready to change your life and bless the world, this is your ticket. Be financially free. Learn how to improve your financial literacy and be truly rich. Truly Rich Club Online Wealth Summit 2018: Money Machines
Lux Thinking Aloud How To Improve Your Financial Literacy And Be Truly Rich 7:44 AM One of my biggest regrets in life is not taking money seriously early on. If I can give my younger self any advice, it is this: improve your financial literacy. How to improve your financial literacy and be truly rich is not as hard or boring as it sounds. Especially thanks to the internet. Genius Albert Einstein himself said, "Compound interest is the most powerful force in the universe." Time is essential in investing. At the present, it is bear market (prices are falling). While the stock market is down is actually a great time to buy. Because it's like shopping while everything is on sale. I'm not an expert in investing. In fact, I don't have millions---yet (that's the dream!). That's why I do my research, I read books about it, I attend seminars and webinars to help me change my mindset first and learn the right strategies in increasing my income flow.I read reviews about online brokers like robinhood app review so I'm in the know. I look for people or organizations that can guide me and help me reach my goals. That's why I signed up and became a member of the Truly Rich Club. Why Truly Rich? Because true wealth is not just about increasing your finances. It is also about growing abundantly in all areas of your life. As founder Bo Sanchez believes, you can get rich without robbing your soul. What I've Learned About Money Everybody wants to eat but only a few is willing to hunt. We all wish we have a convenient and comfortable life. Sure we hear some people say they just want the simple life. That wanting to be rich is ambitious, selfish and worldly. But you also hear them complain about how they can't afford something they want---even it's just as simple as going to the movies or traveling. They'd say "If only I have some extra cash, I'd buy this or I'll do that." Most people are content to daydream about becoming rich but they don't want to put in the work. They don't like to hassle. They want to skip the grind. Giphy In the animal kingdom, you don't get to eat if you don't hunt. In the Bible "If anyone isn't willing to work, he should not eat." - 2 Thessalonians 3:10 There is no shortcut to success. I have joined several networking companies promising a quick way to become wealthy. In my recklessness as a youth and my dream to "retire young and rich" I invested hard-earned money to these companies. I've learned my lesson the hard way to put it simply. But these lessons are priceless. And I'm glad that somehow, I took the risks in investing while I was younger and single. It would have been a different story if I gambled my kids' tuition fees or used my retirement fund for it. There is no elevator to success, you have to take the stairs - Zig Ziglar Start early so you can fail early. Then start again. Wiser every time. Tenor Prosperity is a gift It is part of God's plans to prosper us (Jeremiah 29:11). And God is able to make all grace abound to you, so that having all sufficiency in all things at all times, you may abound in every good work. - 2 Corinthians 9:8 As a good Father that He is, He generously provides for our needs and takes delight in blessing us abundantly (Deuteronomy 30:8-10). As a gift, prosperity needs to be shared. Prosperity should be used to help build the kingdom of God. Giphy God wants His children to live abundantly. Translation: God wants us to be rich. If you don't want to believe me, read what the Bible says about money. To be truly rich is to be selfless In my journey towards financial freedom through financial literacy, I often stumble. It's tempting to stop and be content with good enough because honestly, what's wrong with that? Having enough means you can eat three decent meals a day. You can travel once in a while. You can watch movies whenever you want. You can have a slice of cake for dessert. You can enjoy life having enough. But then I would see people and animals who are homeless, sick, abandoned and clearly needing help. I can't count the times I wish I could stop and not just feed a hungry dog in the street but take him home and give him the best life he deserves. But I can't. Having dogs doesn't come cheap. I know the vet bills and food can take a huge chunk in your budget. I know because we have 16 dogs at home. I asked God, "What can I do? How can I help when I only have just enough for myself?" That's when I realized that to have just enough is never really enough if I want to do more good for the world. To be content with the good is stopping myself from becoming great so others can also benefit. No, it's not encouraging people to be social parasites. It's not feeding the sluggard. It's having the means to teach them how to fish and not just give them a fish. It's allowing myself to be an instrument through which God's blessings can flow to those who need them Giphy To be truly rich is to be a channel of God's grace. It is about being bold enough to ask God not just to bless you with enough but to bless you with a double portion so you can in turn bless the world. To be truly rich is to be selfless. How to Improve Your Financial Literacy I know my weaknesses and I am fully aware that I cannot be rich on my own. I agree with George Matthew Adams that "There is no such thing as a 'self-made' man. We are made up of thousands of others." I hate Math. I don't know how I passed my Math subjects. I see long calculations and my mind starts to go blank. But money is about numbers. Stock market is about figures. How can I increase my finances through it if I know it will be hard for me to understand? Simple: seek help from the experts. That's what I love about Truly Rich Club. They are a team of experts giving you daily updates about what to buy, sell or hold in the stock market. Not only do they send Power Talks and tips you need to prosper financially, they also send inspirational talks about health, personality development and most of all about spiritual growth. GodWhispersClub.com - Get A Megadose of Blessing. And Take Your Life To A New Direction. 52 Healing Habits - How to Transform Your Health, in Body and Soul, One Simple and Powerful Habit at a Time! Good news! I have never attended a Wealth Summit by Bo Sanchez because honestly, it's quite expensive. But here's the good news: The first ever TrulyRichClub Online Wealth Summit is here! It will be on September 22, 2018 (Saturday, 8:00AM to 12:00PM). At the comfort of your homes (or wherever you are in the world), you can learn: How to invest in the stock market Change your financial mindset Grow in your financial life Here's the best part: Webinar fee is 100 Php or 2 USD (Price will go up to Php 200 or 4 USD by August 11, 2018). How much is your cup of coffee? How much did you pay for your smartphone? How much did you spend on your last shopping? How much was that movie ticket? Surely, it's more than this ticket price. This is a rare opportunity that you don't want to miss. If you're ready to change your life and bless the world, this is your ticket to that. Be financially free. Learn how to improve your financial literacy and be truly rich. Truly Rich Club Online Wealth Summit 2018 Hey, did you find this post helpful or entertaining? Please go ahead and share. Share buttons on the left and at the bottom of the article. Big thanks! Subscribe to About Life And Love by Email
Freelancing 5 Things To Make Your Summer Productive And Fun 7:18 AM 5 Things To Make Your Summer Productive And Fun Summer is here! We can all feel the temperature rising. How do you want to spend your summer this year? Another vacation? Visit new places? Couch-surf? Summer is also the best time to learn something new or start a new hobby or project. If you don't want to be glued to the couch all summer long, it's time to look for a summer job or start a business. Start earning some bucks while others toast their bun under the sun. Here are five things to do to make your summer productive and fun, especially for students. 1. Intern or get hired. It's not as bad as it sounds. Getting a summer job or internship can help you build your portfolio or add to your experiences, giving you an edge when you finally apply for a job.If you have an excellent performance, the company can open its doors for you after you graduate or put in a good word for you to others. Plus, you need extra cash for the school year or an additional income if you're already working. 2. Start a business.You can do many productive things over the summer as a student, and earning money is one of them.You don't have to purchase a franchise or borrow loads of money to start your own business. You can start at home. With zero capital. How? Use your skills. Are you a good cook? Sell your sumptuous dishes.Can make bonsais or succulents? A lot of people have become plant parents in the past year. They'd be more than happy to buy from you.Do you have an eye for taking awe-inspiring photographs? Get hired.Are you good at any sports? Teach. If you're a great swimmer, swimming classes are big during summer. Offer online services by creating a profile on platforms like LinkedIn or a marketplace like Upwork.Ask friends if they can refer you to a client.If you live in a touristy place, you can be a tour guide for people visiting your town or city. With the help of the internet, the possibilities to make your summer fun and productive are endless. 3. Get sporty. Since summer is the best time to be outdoors, learn a new sport. Volleyball, softball, tennis, golf, whatever it is you're interested in, do your research and be prepared. In softball, for example, buy the proper gear and/or equipment needed. Choosing the right softball bat is paramount. Pick one of excellent quality, durable, and helps you perform well. Many sports stores can offer this, and you can also use it online. One website that can give you complete information about softball bats is aroundthebats.com. They provide a comprehensive buying guide and look at top brands and the rules and regulations of leading softball associations to help give you the best material you need.Make sports a part of your productive summer routine, so you stay physically fit and mentally sound. 4. Volunteer. What can be more productive and noble than offering your services to those in need without asking for anything in return? Here's where and how you can serve: Volunteer at a shelter and help animals in distress. Foster a rescued animal.Help serve in charities and do community service like clean-up drives.Work with the youth by tutoring.Help organizations that reach out to the less fortunate.Help serve in homeless shelters.Donate or volunteer at food banks. No act of kindness, no matter how small, is ever wasted.- Aesop 5. Learn something new. Enroll in summer classes to improve your skills or learn something totally new. Here are some new things you can discover this summer.A new languageNew hobbies like cooking, gardening, knitting, painting, bar-tending, and writing.CalligraphyAstronomyOrigamiPhotographyYou can learn all these by enrolling online or in a nearby school or learning center. Find something that aligns with your passion or something you can use later to monetize. Not only will you be more productive, but you'll also meet some interesting people along the way.Looking for an exciting and enriching way to make your summer productive and fun? How about delving into the vibrant culture of Japan by studying Japanese in Sydney? Immerse yourself in the language, discover the art of sushi-making, and embrace the beauty of traditional tea ceremonies. Expand your horizons while enjoying a memorable and educational summer experience. Make Your Summer Productive And Fun Don't let another summer pass you by. Use this time not only to have fun but also to be more creative and fruitful. Discover your passion and purpose while earning some profit on the side. Make this season something that will improve your life by making your summer productive and fun.What fun and exciting summer activities are you doing this year?
For Moms Use Your Business To Teach Your Kids Life Skills 5:52 AM Kids learn more about life by observing rather than just studying. They are often more aware of things that we could ever try to be aware of. Those are the best teachable moments with life skills that will get them to their adult years. It is important to include your children in things you may think they don’t understand, especially in matters of business. Today we take a look at a massage therapy business and how it can be that teaching tool to empower your children to achieve their dreams. Use Your Business To Teach Your Kids Life Skills Working Hard Reaps Rewards All massage therapists have to be trained and obtain state licensing in order to operate a business. Often, this looks like a one to two-year endeavor that comes with rewards each step of the way. They notice you taking classes and practicing on family and friends. They question why you put so much energy into this thing that you desire so much. They may even ask you and look skeptical when you show enthusiasm. They hear you complain when things get tough or you are just ready to be done, they wonder some more about why you are “torturing” yourself. Then you graduate and get the licensing. You are jumping up and down for joy and they see how important it was for all that hard work. The rewards don’t stop there. They will see you working hard and growing a business that pays for their doctor appointments and piano lessons. Every step of growth is noted and you should include them so they too can be motivated to chase their own dream. Financial Scene Can Help Them Some parents shy away from telling their children about finances. They don’t want their children to share details of bank accounts or when things get difficult. Really, using your business is a great way to show them what it takes and the best financial practices they can apply themselves when the time comes. For example, if you are shopping for Earthlite massage therapy supplies, allowing them to see how much it costs to run a business is a good thing. Showing them how you budget for those items and showing them how you allocate it into your prices are also good things. A reality check on expenses allows them to understand how it affects the budget and the sales price. You are teaching them a valuable skill on how to create their own successful business! Let Them Work With You You can also include your children with age-appropriate work that can let them learn more about your business. It may be as simple as going through voicemail or filing some documents somewhere. Maybe they can help keep your massage room neat and tidy or restock some shelves with supplies. When you make them a part of your business, they get to understand so much more by doing rather than reading a book. We do want to stress that it isn’t necessarily about grooming your child to take over your business one day. Their interests might lie somewhere else that is something that can turn into a money-making endeavor later on. Whether they choose to take on a family business or start their own, it’s the lessons that are valuable in teaching them to be contributing community members. Just think of all the life skills that take place within one little business like massage therapy. They learn financial skills, nurture that entrepreneurial spirit, contributing to their local community, and self-sustaining. These are all important to a well-functioning society and we can’t rely on traditional schools to teach it. You add to their education, without them knowing it, and you have given them more of an upper hand than they will ever realize. Hey, did you find this post helpful or entertaining? Please go ahead and share. Share buttons on the left and at the bottom of the article. Big thanks! Subscribe to About Life And Love by Email
