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Strange Tricks For Being More Financially Stable

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It can be difficult to keep on top of your finances, no matter what your situation is. If you have ever found yourself unable to get through the month, then you will know the kind of stress that financial difficulty can lead to. This can hit anyone at any time, but there are things you can do to make it less likely. As long as you adopt certain habits and tricks, you will find that your finances take much better care of themselves. With that in mind, let’s take a look at what some of those habits and attitudes might be.

 

Carefully Consider Big Purchases

 

When it is time to make a big purchase, you need to be sure that you are going for the right one. There is nothing worse than finding yourself regretting something of this size. For purchases such as a house or a car, you should always take your time. Taking it slow ensures that you do not make any decisions which you might later regret. The same also applies to smaller purchases, particularly anything which has a recurring cost, such as a contract. Car insurance is a good example of something that you want to be particularly careful with. When you are looking for car insurance, make sure you take your time in comparing them before you hand any money over. There are many websites to help you with this, such as https://www.comparaencasa.com/.
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Don’t Be Afraid To Haggle

 

Haggling used to be much more of an everyday thing, but these days it is much less common. However, there are still some areas where it might prove to be particularly effective. And you might be surprised to learn in just how many things it can be applied. If you find yourself with a troublesome phone contract, then you should consider haggling as a viable option. All you need to do is contact your contract provider and see if they can offer you a better deal than you might find elsewhere. You might be surprised at how effective this really is.

 

Make A Budget & Stick To It

 

To ensure ongoing financial stability, it helps to know exactly how much you have to spend. To that end, it is highly advisable to make a budget which you can stick to. It needs to be something that you believe you can actually go along with. Otherwise, there is little use in having it at all. If you do decide to make a budget, you should remember that they are most effective when they are as detailed as possible. It might be tempting to leave out one or two things, but this doesn’t work in practice. You need to be as detailed as possible and carefully consider every expenditure and outgoing in your life. For more on making an effective budget, take a look at http://www.moneysavingexpert.com/shopping/chat-tips-gold.
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Only Spend What You Have
Finally, a note to say that one of the most sensible decisions you can make is to only spend money that you actually have. This might sound elementary, but it is hugely important. The moment you start spending money you don’t really have, you begin getting into debt. Debt is much harder to get out of than to get into, so be careful.

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Make Your Life Work For You: Keeping A Balance Between Work Life And Home Life

Work Life Balance

 

Are you running a business? When it comes to running an organization, it’s a full-time job, especially businesses that are new. Trying to get your dream project off the ground from nothing into a fully functional organization is stressful. There could be working weeks of 60 hours or more. In addition to this, the sleepless nights and the worries they are linked with it could consume a lot more time than you think it might. And did you stop to think about how it is affecting your home life? You might have missed school recitals, birthdays or important anniversaries. So what is the best way to take back the work-life balance that you so desperately need?

 

Understand When You Work Best!

By this I mean what time of day are you most functional. If you’re running a business you need to make sure that you are doing all the tasks the best you can. A lot of people find that they function better in the morning, so if that is the case then take on the more difficult tasks at a time of day. Understanding your energy levels will help you prepare better for your work day. So the inevitable mid-afternoon energy slump can be factored into your day so you can do the most mundane tasks at that point as they don’t require as much attention as applying for a business loan. Companies such as Frosch Learning can assist when it comes to helping you understand your working practices better.

 

Leaving The Work Phone In Work!

This might be the most difficult one for many business owners. As we are so reliant on checking our phones then leaving the phone and the laptop in the office will do you good! Set up an answer phone message or an out of office email. Then you can enjoy time away from the office. It will go a long way to help maintain the boundaries between work and home life.

 

Go Far Away!

In running a business, if you can’t be sure the company will survive without you being there then you need to delegate duties to other members of staff. Sometimes the only way to test if the business will survive is for you to go far away. It may cause you a bout of separation anxiety. But getting away for a period of time will help you gain a new perspective on the organization while also reducing your duties.

 

Stress and sleep.

Stress and sleep.

Image from Flickr

Relax!

Those that run businesses have difficulty in switching off and it’s not surprising when we all have difficulty in switching off at night. Smartphones and tablets are contributing to increased stress due to the blue light being emitted from the devices,  which causes problems with our circadian rhythm and so contribute to a lack of quality sleep, which leaves this feeling stressed or anxious or makes us take up habits that are not good for our health. We all have different triggers when it comes to stress so understanding what those triggers are for you will be a good way for you to overcome them. Finding a pursuit that relaxes you, such as meditation or yoga or spending time relaxing with your family will go some way to reverse damage from stress.

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Your Home Away from Home: A Quick Guide to Building Vacation Property

The idea of owning a vacation home has always been popular. It’s been getting even more popular in recent years. Many people will look into buying property overseas. But what if you want to actually build a vacation home?

 

Get started now

 

A lot of people build vacation homes because… Well, because they want somewhere nice to stay when they’re on vacation in their favorite destination! But you should think about the long-term. A lot of people also end up using these homes as their retirement destinations. In fact, that’s the plan for many when they begin this endeavor. And if you plan to use a vacation home as a retirement destination, then you should start before you retire!

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Wikimedia

 

A lot of people make the mistake of building a retirement retreat once they’ve retired. But then you just add stress to years you don’t need stress in. Plus, you’ll lose out on plenty of valuable winter-years relaxation time! Find out more about smart retirement planning at www.ssa.gov/planners/retire/.

 

Choose your destination!

 

So what makes a good place for a vacation home? For most people, it will be in their favorite vacation location. But you’ll need to consider the implications of actually living in this country. You’ll need to know more about the laws that surround the ownership of property there. It could turn out that building a vacation home in your favorite destination might not be that smart an idea. Think carefully of the reasons you love this destination. There will be other places that meet these specifications!

Jeda Villa Bali. Frontview. 3 BR villa. 1/28/2011

Jeda Villa Bali. Frontview. 3 BR villa. 1/28/2011

Flickr

 

Picking the land

 

Most people don’t really know that much about the earth on which their own country is based. When you’re travelling to new lands, you’re even less likely to know much about the land there! It’s worth asking for assistance when it comes to purchasing land that’s the size and build you need. You should also consider the environmental implications of the land you’ve purchased and the property you want to build on it. You’ll want to work with local environmental consultants. Let’s say you’re going to Australia, for example. You’ll want to work with a company like SESL. You can find their website at www.sesl.com.au/environmental-consulting/.

 

Actually getting the thing built

 

So how are you planning on doing this? There are two ways to go about it. If you want to oversee the building, and perhaps even do some of it yourself, then things will be more complex. You’d probably have to have a temporary residence available in this country so you can be there when required. You could, of course, work with local architects to design a home that others will then build. (To be honest, this is probably the smarter option! After all, you do want this vacation home to be perfect…) Read more about building a home at www.newhomesource.com.

Wikipedia

 

In the meantime…
One of the great things about vacation homes is that you can rent them out when you’re not using them. That way, you can earn a pretty good passive income with them! It’s unlikely that the money you make from these rentals will cause the property to pay for itself, that’s true. But extra money in your pocket should never be sniffed at!

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To Lease Or Not To Lease? That Is The Question

Which is better; leasing or buying? Getting a car lease is becoming more and more popular in the US. So it’s certainly a relevant question.

 

Just a decade ago, leasing was a minor, but emerging player in the US market. Today, more than 1 in 4 cars in the US are leased.

 

The reason for its growing popularity seems to be down to the fact that younger people just expect to pay for stuff on a monthly basis. After all, gym memberships, phone bills, and credit cards are all paid off at the end of the month. Why not cars too?

 

The idea of saving up for a car seems antiquated. And many people don’t want to take on more debt than they already owe. Instead, they’d just rather use their car as collateral and have it taken away if they don’t make the payments.

 

So that brings us to the question; which is better?

Buying Versus Leasing

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Wikimedia Commons

 

One of the big advantages of leasing is that you can drive a car that you would never ordinarily have been able to afford. Mercedes lease rates on models like the CLA, a currently running for as little as $319 a month. What’s more, lease rates are typically far lower than the rates you’d pay on car loans, with interest included. And so using the car as collateral has significant events.

 

Moreover, leases are often far easier to obtain. To get a loan for a car, you have to apply to the bank, convince them that you’ll repay the loan and then buy the car outright. In the process, you’ll have to convince lenders that you’re a worthy borrower who will pay them back. But are you? If your credit rating is low, it’s unlikely you’ll ever receive a loan for a car. And that can be the end of it. Not so with a lease. Leases are usually available to people even if they have a terrible credit history.

 

Leasing also mean that buyers get covered for maintenance costs. Almost always, leases are on brand new cars. The leases themselves usually only last for a period of around three years. Then there’s the option of paying a balloon payment or start a new contract with a new car. Most people opt for the latter, preferring to pay a monthly fee to avoid depreciation expenses.

 

There is, however, a darker side to leasing. One of the problems is that buyers often have to pay higher insurance rates to cover gap insurance. In other words, if you get hit by another car, you need insurance that will cover what you still owe to the car dealer.

 

There are also often fees charged when you change your old car for a new car. Plus, you’ve got to be really careful with your vehicle while you are leasing it. If there is any damage to the interior or the paint work, you could be charged for this at the exchange.

 

To lease or not to lease? That is the question. If your car depreciates quickly, you’re probably better off leasing. If not, then you’re better off buying instead.

 

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Sunny And Sandy With Sparkling Seas – Vacation Heaven! Find Out Where To Get It

Never before has the world been so accessible. Vacation prices haven’t soared as much as previously feared. This means that you might be able to budget for a little indulgence somewhere sunny and warm. Traveling overseas can be quite a commitment, so you want to know that you’re getting the best of everything while you are there. And if it’s warm seas and sandy beaches that you love, then read on for a round-up of the best there is:

 

Mauritius – Mauritius is an island in the Indian Ocean that boasts some of the loveliest beaches in the world. As a small island, it can take quite a chunk of your budget just getting here. Is it worth the expense? Those comparing Mauritius beaches vs Goa beaches tend to err toward the little island thanks to its pristine sands and laid back nature. There are times when you might even feel like it’s your own private island! You might even prefer this to the South of France too.

 

Mauritius Beach Boat. 11/20/2014

Mauritius Beach Boat. 11/20/2014

Picture source

 

Shoal Bay, Antigua – For a taste of paradise, you might be convinced to visit Antigua. What makes this beach extra special is the coral reef just offshore. Snorkeling is a wonderful way to spend an hour or two. There are plenty of bars and restaurants for refreshments too. Some say it is the place you could spend your entire week of vacation. But if you get easily bored on the beach, try the museum, or check out some of the cute stalls.

 

Beach at Green Island Antigua. 2/21/2015

Beach at Green Island Antigua. 2/21/2015

Picture source

 

Fakistra, Greece – If it’s seclusion and quiet you’re looking for, this little cove could be it. Warm and sunny most of the year round, yet hardly used outside of July and August. It’s quite sheltered all around too so you don’t need to worry about packing bulky windbreakers. There might not be much here for the younger members of the family. But couples love the time they can spend together in private on this beautiful little beach.

 

Koh Kradan, Thailand – Most beaches in Thailand are pretty busy, and nearly all of them are lovely. One that might be a little quieter for you is Koh Kradan. The sand is thick and warm, and the waters are calm enough for a spot of kayaking. This makes it the ideal beach for discovering the wonders of this lovely area. Lazy days or active days can be had when you’re based near this beach.

Rio de Janeiro - Copacabana Beach. 1/25/1974

Rio de Janeiro – Copacabana Beach. 1/25/1974

 

Picture source

 

Arpoador, Rio de Janeiro – Arpoador has become a very popular beach to visit when you’re staying in the bustling city of Rio de Janeiro. It is quite family friendly and being in the center of all the city’s festivities makes for a fabulous vacation destination. You can find plenty of interesting features beyond the warm sands and waters. There is plenty to do here thanks to its popularity, but you may not find any peace and quiet.

 

There are so many different beaches around the world that it can be quite hard to choose. These are just a few of the better ones you might be tempted by. Perhaps you prefer one near your home? Where is your favorite beach?

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Just To Let You Know…

Just to let you know, you may see some new posts written by other authors from time to time in the future. Please know that these posts will continue to reflect the character of this site as well as bringing perspectives other than my own to this blog. I’m sure you’ll find them as informative and enjoyable as the ones I have written and will continue to write.

And again, thanks for reading! 🙂

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Portland and L.A. – What’s Different?: Fall

Well, Fall is here now, and, in Portland, unlike L.A., it shows right away. One can see the trees start to turn, and some have actually shown signs as early as late August! However, not all the trees start to turn at the same time. There’s a type of tree that usually turns first here, with the vast majority of them turning and peaking in bright yellow in September. By the second week in October, these trees have usually lost most, if not all, their leaves, while most of the other trees still have theirs and have not yet peaked. Some trees hardly change color at all and just lose their leaves late in the season.

Fall in Gresham. Trees peak at different times!

Fall in Gresham. Trees peak at different times!

Also, in some years, the Fall colors are more, or less, prominent than in others. This can be due to storms that can pass through, making more leaves fall before they can turn fully, to droughts, and even when rain falls and how much. In those years when the colors are most spectacular and no strong winds have come to strip some of the colored leaves off, it is really beautiful here! You can even see patches of yellows and some golds on the hills among the evergreen Douglas Fir and Spruce trees. The overall peak of Fall color is usually the third week of October, and by mid to late November, just about all of the trees that turn have lost their leaves.

Fall in Gresham, Oregon, just outside of Portland.

Fall in Gresham, Oregon, just outside of Portland.

And, the temperatures do cool down, with the occasional bout of what can be called, “Indian Summer”, with temps reaching the high 70’s or low 80’s, in some years. You fist notice this in September, where, while it still can be hot, the heat starts later in the day and backs off sooner in the day and the nights cool down more. Much of September tends to be quite pleasant here. And October really cools down with 90’s gone and 80’s somewhat rare. And the mountains can start seeing decent snow and the start of the ski season at this time, while the mountains in the L.A. area can remain bare through late December! Actually, except for the last two years, I’ve seen daily high temps stop breaking 70 in early October and not reaching 70 again till at least mid March, which for me, who likes cooler weather, this is just fine!

In L.A., on the other hand, September not only feels like August, but can be hotter, especially if the area’s infamous Santa Ana winds come in, often pushing temps up into the 100’s. In fact, September is often one of the hottest months in the area. And October tends not to get too much cooler, though sometimes there can be cool periods in October, usually toward the latter half of the month. But temps of over 100 and the Santa Ana winds can still be present even in October and November in the L.A. area! So, in L.A., Fall doesn’t really feel like Fall, except maybe close to the very end of the season. Even Thanksgiving can be warm, in fact, warm enough to take in a day at the beach!

Redondo Beach 12/30/05

Redondo Beach 12/30/05

And the trees? Well, some do turn, but far fewer than in the Portland area, and these usually don’t start turning until late in the season. A few of the suburbs, such as Pasadena, have more trees that turn, but still not nearly the concentration you’ll find in the Portland area.

Fall and Winter in Southern California.

Fall and Winter in Southern California.

So, in L.A., Fall also doesn’t look like Fall, either.

Fall and Winter are probably the seasons showing the most difference between the two areas.

In L.A., you can celebrate Thanksgiving at the beach, and in Portland, you may be able to go skiing in mid October!

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More to Google than just Gmail and Googling

With my use of Google Chrome and now my having a smart phone, I’ve learned that there’s more to Google than just Gmail and Googling people and things.

Google has a lot of different applications, or “apps”, as you often hear.

In addition to Gmail, these include Google maps, play music, play movies, play books, play games, play newsstand, Google plus, hangouts, docs, YouTube, Google drive, and calendar.

These often come as a package on Android phones as does the Google Play Store, where these and a great many other apps can be found, many of which are completely free to download and use!

And, you don’t need an Android smart phone to access the Google apps or the play store.

The Chrome Web browser can be installed for free onto any computer. And of course, you can access all the Google apps from here, though you can set the Google search bar page as a home page or bookmark or favorite using any browser.

I haven’t explored all the apps but I am exploring more all the time.

For instance, I’m using Google Docs to write this post. It’s the first time I’m using Google Docs to write a post. In addition, I’m writing this on my phone!

Google Drive saves documents and other things to the “cloud”, that is, on the web in your own section,so you can access them from any computer using your Google account.

Google plus and Google Hangouts let you connect with other Google users.

Google Play music gets you access to music from your favorite artists and music genres, and you can create your own playlists, though I still need to figure out some things about that. I do find that it won’t play music stored on my phone’s SD card, only music on the phone’s internal memory. If any of you know how to get Google Play music to recognize the music on my SD card, please let me know.

Google maps is great, especially when your Garmin or tom-tom fails, as I’ve mentioned in my earlier post, Garmin or Google-Which is Best? , comparing Google maps to Garmin.

Google maps also will guide you using real-time traffic, can show your movement, and the street view ability combined with the ability to virtually “walk around” a location, really helps you to recognize the physical location when you get close to it!

Then you have You Tube. It is part of the Google family, and you can see all kinds of things on it, from old movies to people’s travel videos, to car and house tours and reviews, to videos that show you how to do all kinds of things from how to tie knots to driving a stick shift car to basket weaving!

Finally, there’s the Google Play store, which not only gets you access to Google apps, but many others as well, and many are free to download and use! So far, I’ve never had the need for an app that wasn’t free! And I have lots of them. As they say, “There’s an app for that.”

Now, where your phone is concerned, you do need a data plan and you need to see how much data an app draws, as some, like You Tube, will use more data. Most apps don’t use a lot, but it’s good to know. To give you an idea, I get 3 gigabytes of data monthly with my plan and use between 1.5 and 2 GB per month.

I’ve seen how useful both the Google apps and other apps can be, and it seems Google is the best place to start checking them out.

So, get Googling and have some fun!

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A Kindness out of the Blue

Sometimes, if you pay attention, you may see an act of kindness, just out of the blue. I was witness to such an act and, while I couldn’t help, I was able to compliment the one who did.

Yesterday, I was running an errand and found myself stuck in traffic on a busy street. As I was waiting for the cars to move, I spotted a homeless man across the street. He had a red shopping cart with his items inside. As I slowly crept along with the other cars, I noticed the man was attempting to cross a smaller street. He had started down one of those ramps built into the sidewalk corner to assist the handicapped. There was some kind of grill at the bottom and the wheels of the man’s shopping cart got caught in them and the cart tipped over.

He tried to right the cart but was having a lot of trouble and, seeing this, I wanted to help him but couldn’t.

That was when I saw a young woman walking towards him. She may not even have noticed him at first as I could see she just happened to be walking in his direction. Well, instead of just walking by him, she stopped and took off the pack she was wearing, and helped him right the cart and put his things back into it. She never hesitated once, not even to handle his cart to right it and not even to grab his items and put them back into the cart. It was spontaneous and there was no “gingerly” motions on her part. There was none of that, “Ewww, I don’t really want to handle this homeless man’s cart because of …” showing on her face or in her actions to help, the way there would have been in so many of us. She just grabbed the handle of the cart and helped to right it without hesitation. Once she was done, I saw the man thank her heartily and they both went on their ways.

Well, I was touched by this and really wanted to compliment her on what she did. I saw that she was walking in the same direction as the traffic I was in, and, due to a change in the configuration of the street to a one way section, I was now on the same side of the street as she was with the sidewalk on my driver’s side. As traffic was slowing, I lowered my window and told her it was nice of her to do what she’d done. She smiled when I said this so I know she knew what I was talking about.

It was an unhesitating act of kindness and it impressed me, as it should all of us.

Be kind!

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Remake after Remake after Remake after…How Far Will They Go?

Just this month, the movie, “Ben Hur”, came out. I’m sure it’s a great movie, but, I have to ask, why do they keep making remakes of movies whose original or last version was great in it’s own right? It seems more and more remakes are coming out. There was even a plan for a remake of “Gone With the Wind”, often touted as the greatest picture ever made.

Is it because they want to make a greater version? Well, in my opinion, I think it depends.

With Dickens’ “A Christmas Carol”, the original, made in 1938, was OK for the time but was soon found to be lacking, and, if you see both the 1938 and 1951 versions, you’ll see the difference. So, in that case, I do agree a remake was in order, and the 1951 remake, with Alistair Sims playing Scrooge, it certainly filled the bill. But, they should have stopped right there. But no, a remake was made again over 30 years later and, while it was seen as being good in it’s own right, the 1951 version, in my opinion, has a certain essence to it that I believe can never be matched. Same with “Gone With the Wind”. So while a movie might need a do over, I do think that there’s a point where it’s done exactly right and literally takes on a character that cannot be duplicated with further remakes. It’s reached it’s peak, in a way.

I imagine, when plans for a remake are floated, some producers and directors do bring this up. So, why do a remake? Well, oftentimes technological advances allow for scenes to be shot in ways that look more realistic or believable, or, depending on the mood of audiences at the time, they may want to add things, such as more grittiness, graphic scenes, historical accuracy, or aspects of a character’s life that weren’t shown in a previous version. And I do find this understandable to an extent, particularly where an expansion of a character’s life experiences are concerned, or technological advances in filming are made. Technical advances certainly helped the 1951 version of “A Christmas Carol” stand head and shoulders over the 1938 version.

Then sometimes, it’s probably that a new generation of movie makers really likes a particular movie and story, but they want to tweak it in their own way, and since they can’t go back in time to tweak the original as it was being made, they have to make a new version.

As for myself, there have been some remakes I’ve seen, such as “True Grit”, which I found to be about as good as the original. But for the most part, I tend to not really go for remakes without a compelling reason. I tend to want to see new stories, and it just seems at times that they are few and far between. But then there will be a number of movies with new stories that come out within a short time frame and I’ll resume going to the movies. To each his own, I guess.

Happy movie watching!

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