Money is life, enjoy or regret forever

People love money. But, people love easy money even more as money equals happiness says it all. As you grow older and start thinking about taking an early retirement, you naturally begin to wonder if you will be able to afford it. After all, you need money to live, money is life, and enjoy the comforts to which you have become accustomed. But, where will that money come from? Do you have a way to generate income? Even better, do you have a way to generate a passive income without putting a lot of effort into it? Besides money, remember health is more important, this is how to correctly choosing the right exercise equipment, click here for FREE e-book

If you are searching for a simple way to draw in more wealth and money into your life, start by obtaining a money plant tree. This attractive indoor plant is commonly used as a Feng Shui tool to assist with personal finance. The way it looks has special significance and is great in any area of the home or business. It also goes by its botanical name ‘pachira acquatica’ and is actually not naturally shaped the way it is. This particular plant is a combination of several plants with intertwined stems that look like they have been braided. It had been first created in the 1980’s and grew in popularity internationally for its symbolism of the five elements in Feng Shui.

The most effective places for the money tree are areas that have anything to do with money or wealth. For example in a home, the desired spot for this plant is near a safe deposit box. Businesses would benefit from having this plant near its cash register. A particular room in a home that may need a money tree is the home office. It is where you conduct business so it definitely doesn’t hurt to have an abundance of funds in this particular area. Money trees are wonderful gifts for anyone who is starting a brand new business.

These plants are relatively easy to care for. They can grow to 7 inches and have an incredibly long lifespan. Regular watering and a little bit of sunlight is all that is needed to take care of them. Direct sun exposure is bad, since it will dry out the leaves so keep them in areas with dim lighting. Water the money trees just enough each time and let the soil dry out before watering again. Excessive water will cause the leaves to brown and fall off. Avoid misting the leaves directly as that causes the leaves to fall out as well. With the proper care and right location, these plants are likely to be just what you need to generate the type of success you have been hoping for

How do I begin my money management towards freedom

If we all had the money making skills, talent, perseverance the mindset and the ambition and everything else it takes to be rich we could all be rich, what a wonderful dream that is and yet we have not all chosen that path and that is where many people have a feeling of scarcity of money in their life. Besides money, remember health is more important, this is how to correctly choosing the right exercise equipment, click here for FREE e-book.

Proper financial management reduces wasteful spending, but it also increases financial organization. Eliminating overdrafts and late fees, frees up household funds for the occasional splurge. Good budgeting can’t be successful if everyone involved always feels deprived.

Once you have more money than you need to keep body and soul together (or whatever your life style is), you have investment capital. Then you must use some spare time to manage that investment capital for maximum Return On Investment (ROI) during the rest of your earning life, constantly (or periodically) adjusting the balance between the time you spend earning money, and the time you spend managing the money you continue to invest.

Now, your risk of losing everything can never be completely 100% eliminated, even with conservative strategies. If you flip enough coins, eventually you’ll get a very rare event such as 100 heads in a row. However, you’ll also get 100 tails in a row. The idea is that you have a strategy that yields you more when you win, and/or wins more than it loses. in this case there will be several losses in a row, but there will also be several wins in a row. If you manage your money properly, you will still have enough money if you get several losses in a row, to be able to more than make up for it when you get several wins in a row. If you are forced to limit the amount of capital after so many losses, that you cannot invest with the same amount after the losses, you may be unable to win enough to make up for those losses. The idea is to keep your investments small enough to limit the chances of that happening. Although almost nothing is a sure thing, by using proper money management, you tip the odds in your favor.

When you take out a consolidation loan you can make financial management far easier, and this can make a big difference in many ways. You can reduce the amount that you are paying out each month by replacing a range of higher interest debts with one low interest loan, and you will find that budgeting is less stressful and less time consuming, as you will only have one loan and one creditor to deal with. You use your personal finance consolidation loan to pay off your smaller, more expensive debts, thus streamlining your finances.

Conclusion: Scarcity of money starts in the mind and manifest in your reality because of the thinking you were introduce to and you can recreate a new pattern of thinking now.

Let new year resolutions lead your way to financial freedom!

I want my resolutions to be spiritually based next year. So I have decided that I am going to create Christmas resolutions instead of New Year resolutions. Maybe that will help me stick to them longer! All kidding aside, I am tired of creating resolutions that sound good over a cocktail during a New Year’s Eve party but don’t really help increase meaning or financial freedom in my life.

Besides resolutions here’s a side info, on how to correctly choosing the right exercise equipment, click here for FREE e-book.

 

Why so rare in up-keeping our top resolution? Because many year end resolutions are made as a cultural custom—it’s what we “do” every year at this time. And for the majority, the custom of breaking a resolution is as strong a part of the tradition as making it.

When we made our weight loss resolutions, we knew we had to start or maybe even start again. Sometimes we don’t know quite where, we just know we have to start.

Most of my resolutions always seem to be ego driven. If I am honest, losing twenty pounds has nothing to do with increasing meaning in my life but instead it is about me wanting to get compliments from others or to be judged better by them. What is funny is that I am catering to what I think that others will feel when they see me. Most people are too busy thinking the about their own wants to truly notice any changes that I make.

The correct resolutions when confronted by our fears and shortcomings only aid in accentuating our greatest nightmares. Sometimes it takes a dare devil attitude to just do it and let hell come forth. Nothing helps than being frank and brutal about out situations and when hell comes loose, we just need to confront the problems as opportunities that came down earlier like manna from heaven or forever close out mind and our mouth forever. Just go sleeping our lives away!

I have had enough of resolutions I can’t keep. So I’m taking a stand. This January 1 begins the dawn of a new age the age of the attainable resolution. Are you with me.

Start your journey to wealth, health and happiness by defining them and stop thinking, meditating and talking about it, Just do it. It doesn’t have to be 1^st January as it’s a life long journey and it can start today, tomorrow or that damn date. Who cares but you anyway, but just start, just start and tell me about it not end of 2016 but every month and that’s to ensure you are reminded of your promise and what actions or no actions you have taken to improve yourself

Your financial freedom is key to happiness

Financial freedom is the general concept of freedom refers to the absence of coercion, a situation in which we can make choices from among all available options. Besides finance, we need to take care of our body first, this is how to correctly choosing the right exercise equipment, click here for FREE e-book.

Financial independence is something that is sought by many people. Most people think that big money can only be achieved by someone with a ton of experience or a very expensive college degree. This is not the case; anyone with any level of experience can achieve and maintain financial freedom. There is one thing that everyone does need however to achieve and maintain freedom and that is desire.

Financial freedom is a topic that is of interest to every one. Almost all of us are in search of a foolproof plan for financial freedom. One can get many suggestions on this regard from others. One person may advise you to look for job change. You may get a suggestion from another about beginning a small at home business. Some people try to enrich their knowledge about the stock market, real estate market and other investment opportunities in their endeavor for financial freedom.

Personal financial does not necessarily require full degrees that can costs thousands of dollars. Sometimes the best experience may come in the form of hands on form. You can learn some of the most valuable tools when you are actually applying them. College can take many years away from your life and these are years you can actually be making money and creating your own independence.

Financial freedom can be achieved if you will get the panels in a gutsy way. By having them at your home say goodbye to the haunting of electric bills monthly.

With the financial freedom we face when we earn more money than we spend. Work time under certain conditions is able to provide us with such a situation. But what if our personal freedom? After all, we need to accomplish, every day for 8 hours at the employer? Reconcile financial freedom and personal liberty can only passive income.

The road towards financial freedom is an arduous journey that require one’s personal evaluation of his financial status in the very first instance. After which, it is only by harnessing the power of passive income can one ever hope to achieve it in his lifetime.

In your journey to financial freedom, despise not the days of small beginnings. Start with your savings as seed capital. Your biggest asset is your brain. Through creative thinking, you solve all money riddles you face on the road to growing your business. You need to think outside the box, and keep an open mind

Right sizing your personal finance plans

Everybody should handle his or her personal finance with planning, especially retirement planning; it will be very helpful from a single person to a family. Most people receive a payment weekly or bi weekly from a job or business and then pay their bills every month. There are many types of expenses such as food, gas, cars, rental, mortgage payment, utilities, entertainment, medical, insurances, clothing, phone, internet, credit cards, and others. People will need to pay attention to the incomes and expenses to try to keep their total of the expenses below their incomes, or their income actually covering the expenses. You should review the personal finance at least once a month. Besides finance the next important subject is health, this is how to correctly choosing the right exercise equipment, click here for FREE e-book.

The bottom line is personal finance has become more complicated. Teaching them age appropriate lessons now could save them from the pitfalls of the next inevitable recession. It may be a good idea to take your children to a local bank or financial lending institution with you the next time you go. This will provide them with a one on one banking experience so they can better inform themselves for their first loan. Teaching them about finances while they are still young is the best way to ensure that children become financially responsible adults.

It is never too early to teach kids about personal finance tips. Many elementary schools are coaching children about money. They encourage students to set up a store of their choice and allow them to ‘do business’ with one another. Fake money and creative imaginations have gone a long way. These children see the results of how quickly their fake money disappears from spending too much or from making bad business choices. In kindergarten, these lessons begin by teaching needs versus wants.

In today’s financial climate, personal fiscal responsibility is more important than ever. Knowing how much money you have, the liquidity of your assets and being able to successfully manage you assets is essential. However, it seems that these are not skills that our educational institutions place much value upon. While math and science courses are staples and graduation requirements in our high school curricula, arguably more applicable personal finance software or courses are not. Perhaps that is why many students are feeling increasingly unprepared to make the crucial financial decisions that they face upon graduation. A key aspect of understanding personal finance is comprehending the basics of accounting. Therefore, it is my opinion that at least one basic accounting course should be a requirement for all high school students. Below I will briefly outline several basic concepts that should help give interested readers an overview of accounting.

After doing this, your personal finance news become relatively simple. The hardest part is sticking with the list and making sure everything that is considered a necessity is met. After one has an understanding of their monthly needs versus their monthly income, he or she should also add an amount of savings to the list that contains the must pay bills.

Tips for retirement planning

Retirement in 2015 is not what it was in decades past … people retire with lots of energy, many years of life left and the experience that they can put to use in a Career #2, IF they so choose.  For some it will just be the First Retirement!   If you live your life well you will always have new doors available to be opened.  I have no doubt that you will be entering his next phase with the same energy as demonstrated in phase 1! This is how to correctly choosing the right exercise equipment, click here for FREE e-book.

Retirement is not something that comes all of a sudden. It is something that a person knows of from the very beginning. Thus it is very essential to plan your life savings, so that you don’t sit penniless at home the moment you retire. With the change in times and progressments around, life after retirement can be spend in the most beneficial and meaningful way.

Retirement is after endless years of the daily grind, it’s good bye tension, hello pension. No more lying to the boss about “that appointment” or the “I fell down the stairs and broke my arm” excuses. Now it’s time to kick off the shoes, switch on the TV and eat cake (and lots of it) because the gateway to the golden years is nigh.

Retirement also has a different part to it, which is called semi retirement. This is a stage where the person has no other option than to apply for a retirement, as his physical conditions do not allow him to work any more. It could happen in cases where he is either suffering for a disease or has met with an accident.

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Retirement Planning acquires added importance because of the fact that though longevity has increased the number of working years havent, so you end up spending the last phase of your life without earning.

A retirement annuity helps to convert the lump sum amount of your personal retirement plan into fixed monthly payments on a regular basis. You can avail a retirement annuity policy as part of a company’s retirement plan. A retiree can also purchase retirement annuities based on the retirement funds obtained from a life insurance company. Now, this outstanding retirement policy brings along a good number of benefits.

Second, revise your financial plan, or produce one. This act can be the most necessary factor you’ll do to give yourself management of your new retirement. This is particularly critical if you’ve got been forced to retire for “negative” reasons. You may need to review the entire gamut: income and outflow, insurance, estate planning, investments, potential government assistance and thus on.

Maintaining management of expenses is a vital part for any retiree, since income tends to be additional limited. Controlling expenses is very crucial for unplanned retirements. Early retirees sometimes face major expenses that will often be gone in traditional retirement: mortgage payments such as a kid’s college expenses. Early retirement to worry for an unwell relative will probably result in money out of pocket expenses for that relative. A spending plan becomes absolutely vital to keeping expenses within line of income.

Last notes, retiring early suggests that additional years of retirement and the costs that associate with retirement. This is often a double whammy as a result of you not solely have a lot of years to acquire however you end up with fewer operating years to fund the retirement. Your later work years are sometimes when you earn your most income and will best sock away for retirement.

Benefits of Mindful Meditation

Focused attention meditation is typically practised first to increase the ability to enhance attention stability, and awareness of mental states with the goal being to transition to open monitoring meditation practise that emphases the ability to monitor moment by moment changes in experience, without a focus of attention to maintain. Mindfulness meditation may lead to greater cognitive flexibility. This is how to correctly choosing the right exercise equipment, click here for FREE e-book.

As with any practice, meditation may also be used to avoid facing ongoing problems or emerging crises in the meditator’s life. In such situations, it may instead be helpful to apply mindful attitudes acquired in meditation while actively engaging with current problems. According to the NIH, meditation should not be used as a replacement for conventional health care or as a reason to postpone seeing a doctor.

So then, why is it that meditation techniques eludes so many of us? Why isn’t it something we start to practice at a young age so we can all experience inner peace, tap into our true spiritual nature and open the doors to the mysteries of our mind?

The importance of daily meditation is in the consistency with which it is done. It is helpful to schedule a specific time of day, or to do your meditation several times a day. Some people find it helpful to create an altar or other sacred space in the home, or even the home gym,which provides an outer reminder of the sacred, and also creates a vibration of peace and harmony.  If you can keep this sacred space clean, free from clutter, and away from other activities, and you will find that your altar becomes a spiritual haven that you can go to find peace, being happy, light and comfort in the midst of a busy day.

This is a good style of meditation for the beginners. It has often been a problem for the ones who are starting off on meditation to actually stay focused and not let thoughts wander into their heads. Chanting a mantra can be of much help for them. This helps to keep away other thoughts and lets you focus more especially awareness of your body awareness. The chant should be chosen carefully so that it is easy for you to remember and say. You need not say it aloud and can just repeat it in your head. As long as you are able to stay focused you know it is working right for you.

How Mental Health Can Affect Your Life

Stress and anxiety are part of many people’s lives. It is important to take care of our physical health, but our mental health is important as well.

Mental health means striking a balance in all aspects of your life: social, physical, spiritual, economic and mental. Unfortunately, too many people take their mental and emotional health for granted – focusing on it only when they develop problems. Access to adequate, affordable treatment is essential for millions of Americans with mental health concerns. It’s easy to improve your mental health, and you’ve already taken the first step by looking into mental health. Get quick FREE info on how to choose the right exercise equipment click here.

A good mental health is essential for leading a good life. Youth cannot succeed in academic and personal life effectively if they are struggling with a mental health problem, such as depression or unsteady feeling due to academic, social or family pressures.

Positive mental attitude is a great way to ensure you lead a long, happy and healthy life. Maintaining your mental health is easier than most people think and will have a significant impact on your everyday life. Would you like to have more energy? What about a good night sleep? How you would like to go an entire year without catching the flu once? Achieving a positive mental health state will not guarantee these things, but it sure will help.

Maintaining good mental health is crucial to living a long and healthy life. Good mental health can enhance one’s life, while poor mental health such as depression can prevent someone from living an enriching life. According to Richards, Campania, Muse Burke, “There is growing evidence that is showing emotional abilities are associated with pro-social behaviors such as stress management and physical health”. It was also concluded in their research that people who lack emotional expression are inclined to anti social behaviors. These behaviors are a direct reflection of their mental health. Self destructive acts may take place to suppress emotions. Some of these acts include drug and alcohol abuse, physical fights or vandalism.

 

Failure to detect youths mental health problem may result in negative consequences such as increased risk for academic failure, social isolation, unsafe sexual behavior, drug and alcohol abuse, suicide attempt, unemployment, and poor health. A recent report says, The rising rates of mental and emotional problems among U.S. children and youngsters signal a crisis for the country. Depression, anxiety, attention deficit, conduct disorders, suicidal thinking, and other serious psychological problems are striking more and more children and youths. Conservative estimates say one in every ten children and adolescents now suffers from mental illness severe enough to cause impairment. Even if detected earlier, unfortunately many children and youth do not receive the help they need. Some reports are there that most children and youth who need a mental health evaluation do not receive services and that the rates of use of mental health services are also low.

Stress is one of the leading causes for poor mental health. When you’re stressed out, your body has to work harder to keep up and, overtime, it will take its toll on your body and your brain. Next time something stressful happens, try lighting some candles and taking a bath. If that doesn’t work for you, try letting off some steam by going to the gym or going for a run. Keeping a positive frame of mind will promote positive mental health and eliminate undue stress on your brain.

SO…What do we do? You and i can take the matter of mental health, and self improvement, and take care of ourselves, if the problem is not too bad. Self esteem, confidence, including the power of ‘positive thinking’ can all be improved, with tools like NLP, a “mind tool”, what i like to call it,  changed a person like ‘Anthony Robbins’,  great heights, as we all know. But even the best garden in the world, needs to be maintained to stay in good shape.

Muscle And Fitness Training aids

Decide what your ultimate muscle and fitness goal is. When all is said and done, what is it that you really want to have out of your Muscle and Fitness regime? What is that end result that you’re trying so hard to get? Write it down.
Now it’s time to re write those goals. So move to a new page on your note pad and give it the same name again ‘Muscle and Fitness Goals Refined’. Then write the date just below that.
If you want to ensure that your muscle and fitness training is giving you maximal result you will need professional guidance. This is not just about how to gain muscle mass.

muscle and fitness

There are a lot of health benefits you can gain as soon as you start to engage in muscle and fitness routine. People who started on a healthy lifestyle have reported a remarkable improvement on their daily functioning. The basic benefit of getting into muscle and fitness routine is a stronger and disease resistant body.
People who are so dedicated in maintaining a healthy living have testified that their costs of hospitalization fee have remarkably dropped since they started to live healthy. On the other hand, families who are into muscle and fitness routine have learned to value the essence of living healthy. Their kids are influenced to eat nutritious foods rather than eating junk foods. At the same time, their children prefer to play outside and get active rather than watch television or play computer games.
Another significance of getting into muscle and fitness routine is that you are able to influence other people to start a healthy lifestyle. The effect of motivating everyone to start muscle and fitness routine will remarkable decrease the occurrence of health related diseases.
Before you get into an active lifestyle, it is better to take it easy at first. If you are unsure about your current health status, it is better to ask for a health clearance primarily. If you are planning to go running, it is recommended to take each mile easy and increased it slightly every week. Having the best outdoor apparel would also keep you safe from environmental hazards. Another way to keep you safe is have an exercise buddy with you all the time. Keeping a daily journal of the things you do to improve muscle and fitness will keep you on track with your daily activities.

Workout Fitness Goals for 2015

Workout fitness goals deserves our attention to details like our holiday plans required us to decide location and aims. What are you working towards? Are you building strength? Muscle? Improving coordination? Toning up? Get clear on why you’re spending all that time sweating it out, then write it down. No, really.

Sometimes we get caught on the treadmill of routine (sorry, I had to!) and lose sight of our goals. You’re working out on a routine basis doing the same things again and again and sooner or later the sheer monotony of it has you looking for any and every excuse to skip your workout. Firming up your fitness goals can be empowering and motivating. Maybe your goals have changed. Maybe you need a challenge. Decide where you want to go, then point your running shoe clad feet firmly in that direction.

workout fitness goal

Getting paid advice is a great idea to kick-start a workout fitness routine because the trainer can zoom you the specific area and exercises that you need to work on and strengthen. Your personal trainer ( remember free advice or going on your own is contra-productive since there’s no money usually means no commitment from you to yourself) can help you meet your goals and determine a fitness routine that is right for your needs. Take the intimidation out of the gym by getting an expert introduction the first time you go. After doing this, you’ll be ready to begin a new plan that works for you.

 

Too many of us seem to have trouble staying consistent with our workout exercise programs. I’ll be honest, I really enjoy being active, and even I lose sight of my fitness goals when I get distracted or overwhelmed by other things that life throws at me. Here, I’ve listed what I believe are the most important suggestions for starting and/or maintaining a workout fitness routine and sticking to it. I hope you find it helpful.