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Date: 12/26/2005
Time: 9:39:40 AM
Remote Name: 222.216.163.143
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From: Nowshade Kabir
Date: 1/12/2005
Time: 7:52:41 AM
Remote Name: 62.5.207.210
There could not be a better time to mull over the changes needed in our life style than at the beginning of a New Year. This is also a good time to set yearly goals and make resolutions. Each year, according to statistics, almost a third of us make some kinds of New Year Resolutions. Interestingly, although financial future is our main cause of anxiety, our personal finance, according to surveys, gets only to the fifth place in the list of most common New Year resolutions. For those of us who are still in the process of making New Year resolutions, my suggestion is to give high priority to financial aspects. Here are some resolution ideas that may change your financial future over the course of time. Saving Lets make one thing clear! What ever amount of money you make it’s probably never enough! The way our consumer psychology works is our demand increases along with our income. This makes saving really a problematic task! Some people do have inborn ability to save willingly, but most have to force themselves. If you are one of these people, who find saving a difficult thing, you should consider the methods described below. • Commit to yourself that each month you will set aside minimum ten percent of your income for investment purposes. • Make a strict habit of depositing 10 percent of all your incomes directly to your saving account. • No matter what happens, don’t give up. You might argue that your income is not enough to make any kind of savings. Believe me, once you try putting away 10 percent of your earnings, you will see that this really does not have any serious impact on your budget. So your first resolution is to save ten percent of all your incomes month after month. There is hardly any point to save if you don’t put your money to work for yourself! So, once you resolved to save, you need to invest your money wisely. Credit cards and other consumer loans According to New York Times through out the last decade use of credit cards has increased dramatically. The number of the people having credit cards raised about 75 percent from 82 million in 1990 to 144 million in 2003. However, the debt burden that they carry had grown 350 percent from US$338 billion to an astounding US$1.5 trillion. In 2003, according to the same report, average household carried a debt of US$ 7,520 in comparison to US$2,550 in 1990. This means that credit card loans are becoming serious problems for average Joe. That’s why the first step of your investment strategy should be to get rid of your consumer debts- especially your credit card loans. Most credit cards have horrendously expensive interest rates – normally, 18 percent and over. If you are one of those people, who pay only minimum payment amount each month to their credit cards’ debt, you are making a great mistake. Check out the calculator at http://www.bankrate.com/brm/calc/MinPayment.asp to see how much you are loosing by not eliminating your credit card debt burden. If you are looking for financially sound future, take a hard look at your credit cards and resolve to do the followings: • From the savings you started to make, pay off maximum amount of your credit cards’ debts until you completely eliminate them. • If you are unable to pay off the whole amount at once, don’t just pay the minimum amount required; pay out as much as you can over that limit. • Shop for credit cards with minimum interest rates – which should not be more than 12 percent – and switch to them. • Use credit cards strictly for convenience only. Don’t charge to your credit cards unless you know for sure that you will be able to pay it off right away. • Minimize the quantity of credit cards you are holding. There is no reason to have more than three credit cards. Same goes for your other consumer loans like student, car, etc. Mortgage The second step of your investment strategy should be to evaluate your mortgage payments. There are several very simple ways of reducing your payment time dramatically. Used scrupulously these methods can lower a 30-year mortgage to 10-15 years. • Instead of making one single payment each month, every two weeks pay out half the monthly payment. The idea behind this is, since you are making 26 payments in a year – each one of them carrying 50 percent of your monthly payment – this is equivalent to 13 monthly payments. You are generating an extra month’s payment each year, which in turn will reduce your mortgage term substantially. • Whenever possible, each month try paying ten percent more than you are supposed to. • Whenever you manage to make some extra earnings, use a portion of that to pay down your mortgage. The mortgage calculator located at http://www.mortgages-loans-calculators.com/Calculator-Mortgage -Payoff.asp will help you to see your progress. Keep track of your expenses If you don’t do it yet, resolve yourself to keep an expense ledger of all spending. Just the mere act of jotting down all your expenditure will reduce your expenses up to 20 percent. The reason is when you start keeping track of the money you spend, you become more careful and discerning in your buying decisions, which in turn help you cutting back and saving hard earned money. About the author Nowshade Kabir is the founder, primary developer and present CEO of Rusbiz.com. A Ph. D. in Information Technology, he has wide experience in Business Consulting, International Trade and Web Marketing. Rusbiz is a Global B2B Emarketplace with solutions to start and run online business. You can contact him at mailto:nowshade[at]rusbiz.com http://rusbiz.com/archivenews.html?nl_oid=42
From: Janet L. Hall and Paula Langguth Ryan
Date: 9/4/00
Time: 3:29:39 PM
Remote Name: 4.17.67.117
Someone recently wrote to share how her husband and his siblings banded together to *clean out* her father-in-law's home, which she likened to an indoor junkyard. After they had filled the dumpster, her sister-in-law pointed at the contents and said to her father, *This is what you were loving while we were growing up. These were the children you were spending time with and we grew up with them and hated them and were jealous of them.*
He never knew they felt this way. And he certainly wouldn't have chosen to lighten his load this way. Yet it's sometimes a hard fact that the treasures and *stuff* we accumulate during our lifetime have a profound impact on our families, on ourselves and on our ability to have a prosperous life.
Luckily, there are a few simple steps you can take to free yourself from the clutter of the past and mend fences in your family. Start by asking yourself a few simple questions about the things you are hanging on to:
~~ Why are you afraid to get rid of these things?
~~ What do they represent to you?
~~ How long are you going to carry this stuff around with you?
~~ How have your treasures and *stuff* affected your family?
~~ Are you hanging on to some stuff *just in case?*
~~ Who said you have to hang on to these things?
Take action now to lighten your load before someone else decides to lighten it for you. Here are seven tips to get you started.
1: Invite your children and grandchildren over to come get the things that were theirs during their childhood. Donate, auction off or simply throw away anything that's left. Brenda, a client in her sixties, was holding on to her daughter's childhood dolls, thinking she would one day want them. When Brenda asked, she discovered her daughter didn't want them after all. She was free to sell them, which brought her some extra income and freed up valuable space.
2: Make a list of the treasures you're ready to part with now. Then write down the names of friends and family members who have admired these items. Write down or record a story for each item, then throw a dinner party for these friends and family members. Share the stories with them as you pass along the gifts. Or give them as holiday or birthday presents.
3: Tap into the flow of giving and receiving by passing along treasures you want people to inherit, so you can see the joy in giving and in receiving while you're still around. Be sure to write down and relate a story about the item.
4: Weigh an item's cost to you in terms of stress and upkeep. If you have a number of valuables -- such as collectibles, antiques, linens or pictures -- the expense of insurance, the worry of possible theft and the time spent on cleaning can be overwhelming. One 77-year old woman, Mary, has so much Depression-era glass on display in her house it takes her three days a week to dust them all. What's your joy-to-stuff ratio on these items in your home? Passing along or selling these items now will cut down on your stress level and save you money on insurance premiums.
5: Avoid any fighting and bickering over who gets what items. Write a letter like the one Janet's mother-in-law wrote, that simply states: *I hope we raised you well enough not to argue over possessions. Your family and dedication are more important than things. So I'm sure you won't argue over who gets what.* As you tell your tales, explain why you selected a certain person to receive a certain item. This will go a long way toward alleviating any ill feelings. Remind them that it's the memory that matters, not the item itself. Encourage anyone who isn't the keeper of the item -- but cherishes the item as well -- to get a copy of the story about the item. They can always read the story, and visit the item.
6: Eliminate items that truly don't have value any more. How many button boxes or jars of nails do you really need? Most of what you're saving isn't probably usable anymore anyway. Partially opened tubes of caulk, cans of paint or stain, tape, old twine, old spools of thread and elastic all go bad over the years. Throw out anything that is cluttering up your home and drawing your attention away from your family.
7: Unburden yourself from things that are tying you to the past. Is your basement or attic still packed with things from yesteryear? One man's basement had a six-foot mirror that had been shipped over from Europe, and was still in its shipping crate – nearly fifty years later! Do you have a *shrine* to a late mate or beloved child? Keep one or two *memory items* and release the rest. Otherwise, you'll always be indebted to the past instead of free to face the future.
Above all else, don't make excuses, don't assess blame and don't postpone the need to lighten your load. Too many seniors today are faced with a limited income and worries about how they will make ends meet. Your clutter is acting as a stopper to your prosperity. You can generate much needed income and free up space for even more money to come to you simply by releasing some of your treasures. You'll spend less time cleaning and dusting, and have more free time to do all the things you want to do.
Travel, take up a new hobby, volunteer, play with your grandchildren, create a playroom for yourself or your grandchildren. After all, what do you want to be remembered for – your possessions or your joy for life?
********** Professional Organizer Janet L. Hall and Contemporary Prosperity Advisor Paula Langguth Ryan are the originators of the Enough Is Enough! seminar series. Their unique 3-hour adventures in money, clutter and time management are designed exclusively to help you tap your true potential and achieve better balance in your life. For more information about upcoming local seminars, and their services and products, call 800-507-9244 or visit http://www.overhall.com.
Permission is granted to print this article in its entirety or in part, provided attribution is given, in the form of the above paragraph.