What Can Money Do For You?

by Boris R

The Real Meaning of Money

If you will take a look around, you will see that the world already has a fair share of problems. Because of the economic crises the people are really determined to do their jobs well so that they can achieve success faster. Everybody wants to build and boost their skills so that they can keep up with the industry. The most excellent way towards success is to know more about the real meaning of money. This is an easy to learn subject. Learning more about the real value of money will teach you how to properly position yourself in today’s world.

What Can Money Do For You

Since having money will be able to free up you time, you can stay focused on your goals. There will be a brighter path towards your objectives and you can reach them right away without many obstacles. A worry free mind is very powerful and if you would only think of positive ways, there is no reason why you will not be able to get exactly what you want out of your life. If you have money and your mind is free, you can reach your ultimate goals more easily. Make sure that everything you do is with good intentions and through the righteous path.

Attitude Towards Money

Success and triumph is in your own hands. You just have to realize the best way how to get to it. Having the right attitude towards money will not show you how to make the most money, but it will lead you to the right path so that there will be nothing impossible. It is not bad to do everything in your power to provide a good life for your family, but it must be done with the right attitude towards money. Even though having money is a necessity, we should never let our lives revolve around money. There is more to this life than just wealth alone.

Source: Free Articles from ArticlesFactory.com

ABOUT THE AUTHOR

Boris has shown hundreds of ordinary people how to build a full-time income online by following a simple step by step system. Please visit http://EarnCashGuide.com to find out how.

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This video is dedicated to the opening of The National Museum of African American History and Culture on tomorrow, September 24th. Click here to read more about this amazing building, etc.

Developing Healthy Relationships- 6 Essential Tips for Attracting Healthy Relationships

by May Chew

Relationships are crucial in our lives. Healthy relationships take time to nurture and create. Here are 6 ingredients of healthy relationships that if nurtured well will bring joy and fulfilment. Live, connect and have fun with your relationships. Handle them well and they will reap huge rewards.

When a relationship ends we feel the pain. We are left to flounder on our own on how to fix the relationship, whether we should fix it, or how to recover from the relationship. Building healthy relationships from the beginning is essential to avoid pain of broken relationships. It’s about building the essential bridges that serve to salvage hurt minds, bodies and souls. It about reversing pain, neglect, and lack of understanding with love, commitment and caring.

Here are 6 ingredients for healthy relationships that we should strive to develop in every relationship, especially those close to us, our close friends, buddies, colleagues and even business relationships.

1. Acceptance, Empathy and Respect for the Other Person. Essentially, it is love. Love is much deeper than a feeling. Love is a commitment we make to people to always treat that person right and honorably. To understand and accept the other person as he is.

2. Fulfilling of needs. “You can have everything you want in life if you help enough other people get what they want out of life.” A healthy relationship helps meets needs. We serve – and get in return –without consciously and eagerly expecting, of course. It will come- mutually and naturally.

3.Open and honest communication. ” Communication is to relationships what breath is to life” The key to communicating is to be a good listener, have something good to say and express yourself well. Project warmth,, empathy and caring. By letting the other person know what we think and feel, it lets us connect with the other person. It enables us to make a connection. Both listening effectively and communicating what we feel is essential.

4.Stickiness- Patience and Loyalty. We are humans and humans make mistakes after all. And it takes time to change. Often, those who give up on relationships too early or because the other person isn’t perfect, often forget that their next friend, their next spouse or business partner, will not be perfect either! And those who have gone through major turmoil in their relationship and emerged with patience have emerged stronger after the crisis.

5. A Common Purpose. Working together, building together, failing and succeeding together – while pursuing a common purpose – that is what relationships are made of. ” To associate with other like minded people in small purposeful group is for the great majority of men a women a source of profound psychological satisfaction” Aldous Huxley Find people with whom you have common purposes with. In your current relationships, find a common purpose to look forward to. It will gel and create long lasting joy and benefits.

6. Fun. Fun brings enjoyment to the relationship. Often, this is forgotten or neglected in our family and spouses. Especially when we take the relationship for granted. We have to remember to consciously create fun situations and moments that we will remember with amusement and gratitude for a long time. Like family fun time and special moments together…

Having and developing all these takes time. But it is the most rewarding activity one can have. You’ll not regret and be ever so grateful you did at the end.

Source: Free Articles from ArticlesFactory.com

ABOUT THE AUTHOR

May is passionate about helping people achieve the life of their dreams. Discover your self. Live fully and Achieve. http://www.successinspired.com Free report to Attract What you Want at: http://www.wisdomofgettingwealthy.com/attractriches/

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Career Help: When to Make an Exit

by Jenna Pearson

Many people today are in need of career help as they aim for advancement inside their current field and/or place of employment. Perhaps the current state of the economy is a factor, or perhaps there may be something going on with your own level of performance on the job that you are not aware of.

The fact is, however, that you want to advance your career and only feel like you are spinning your wheels and getting nowhere instead. Many people in your shoes consider making an exit from their current job in an effort to move forward, but they stall out because of uncertainty.

Before You Leave

If you feel like you need some career help to ensure you reach the pinnacle of success in your job, bear in mind that you have likely spent at least a few years establishing yourself in your current workplace. So before you leave, you do want to ensure that you have done everything possible to advance. Spend some time reviewing your own job description to ensure you are fulfilling the expectations your employer has set for you, and even spend some time reviewing professional requirements and experience for the position you want to advance to. Sometimes people find that they lack the education requirements to advance and need to go back to school for a few more years.

Talk to Your Employer

One way to get career help is to be open with your employer about your desire to advance. Some employers may pass you over on a promotion thinking that you are content in your current position. A “squeaky wheel” definitely gets the attention when it comes time to fill a vacancy in a company.

When You Do Leave

If the time comes and you do decide to make an exit, be sure to follow career help words of wisdom and avoid burning bridges. You may be leaving to make a lateral move in another company that offers more opportunity for advancement, or you may be leaving to make a move to a higher level position in another company. Either way, you will want to ensure that you maintain solid relationships with those in your company. They may be used as professional resources for you, industry contacts, referrals, and so forth in the future. Perhaps you may even return to this company after a few years working at a higher level position in another company, too!

Source: Free Articles from ArticlesFactory.com

ABOUT THE AUTHOR

Jenna Pearson is a personal branding expert and a contributing writer to Career Rocketeer, a very comprehensive website that provides career help to professionals who want to take their careers to greater heights. Save time and money by getting FREE in-depth information on personal branding, as well as insightful tips and tricks on turbo-boosting your career, at this website: www.careerrocketeer.com

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Types of Repayment plans with its unique benefits

by Bruce Mesnekoff

You can choose your repayment plan depending on what kind of student loan you have taken.

There are two kinds of loans: private student loans and federal student loans. Rules are different for both the loans.

Private student loans not being a federal fund, has very fewer repayment options.

Further there are two kinds of federal loans:

Federal family education loan (FFEL): These loans are provided by private lenders that are guaranteed by federal government. This means lender gets reimbursement from federal government, if you default.

Federal Direct loans: They are given directly by federal government.

How repayment plans work?

Repayment plans helps you to reduce students monthly payment, by providing them various multiple repayment programs from which they can select the best that suits. You can even change repayment plans at any time, that too for free!

Private student loans have fewer option of repayment as compared to federal student loan.

Some of the options for private student loan repayment plans are:

Refinance private student loans

The best option you can look for is refinancing and consolidating your private loans. You can refinance your private loans with different banks.

However consolidation of federal loans is done automatically, but it’s not the case with consolidating private student loans. You have to apply and get the approval. On the basis of your credit score approval will be decides.

Forbearance

If repaying student loan is problem for you, you can seek your lenders help. Lender can offer you a few forms of limited relief. You should be aware of the fact that forbearance is short term. In fact, forbearance is subject to lenders approval.

Unlike private student loan repayment plans, federal student loan has many repayment plan options. Student can choose wisely the best for them.

Here are the repayment plan options for students with federal loans:

  • Standard Repayment Plan
    This plan is for all federal subsidized, unsubsidized and consolidated loans.

    How It Works: The enrolment in this plan will be done is automatically if you do not opt for another one. You need to pay fixed monthly payments of minimum $50 for up to 10 years. It is best for the one who can afford high monthly payments.

    The Pros: You will save on your money as the loan will be repaid sooner than other plans, as a result ending up paying less interest.

    The Cons: as compare to other plans, you will have to pay high monthly payments.

  • Graduated Repayment Plan
    How It Works: At first your payments will be lower and will gradually increase usually every two years.
    It is best for students who are not able to handle higher monthly payments immediately after graduation but are confident that their income will increase progressively.

    The Pros: It allows you to pay off your loan within 10 years.

    The Cons: as compare to standard plan, for graduate plan -you will end up paying more interest for the loan.

  • Extended Repayment Plan
    How It Works: This plan allows repayment to be made for up to 25 years. The repayment window for this plan is up to 25 years. The borrower can choose you pay fixed monthly payment or graduated repayment option, where the monthly payment increases over time. The borrower who is having a loan of more than $30000 is eligible for this plan.

    It is best for the borrowers, who want to reduce their monthly payments.

    The Pros: You will get relief as the monthly payments amount would be smaller, as the loan repayment period is extended up to 25 years.

    The Cons: there will be constant burden of payment as the plan is for longer period of time as well as you will end up paying more interest.

  • Income-Based Repayment (IBR)
    How It Works: Your monthly payments will be 10 percent of discretionary income. Payments are recalculated each year and are based on your updated income and family size up to 25 years. To take benefits of this plan your debt amount has to be sufficiently high so as to justify repayment period of 25 years.

    The Pros: if you payments are regular then any remaining debt after 25 years will be pardoned. Your debts can be forgiven after 10 years if you work in public service.

    The Cons: if you fail to provide all the income annual documentation to your loan servicer, you will be enrolled automatically in standard repayment plan, which means huge monthly payments, not only this but you will also have to pay income tax on the amount of debt that is forgiven after 25 years.

  • Pay As You Earn Repayment (PAYE)
    How It Works: under this plan, the monthly payment cannot be more than 10 % of your discretionary income. The readjustments in your payment will be done base on your income readjustments.

    The Pros: Regular payment will have you forgiven debt after 20 years and if you work in public service, debt is forgiven after 10 years.

    The Cons: this plan is only available for the students who have received loan disbursement on or after 1st October, and whose loan amount is high.

  • Income-Contingent Payment Plan
    How It Works: under this plan your monthly payments are decided on one of the two factors, either up to 20% of your discretionary income or a fixed amount based on a 12 year repayment plan. People can only apply for this loan if they don’t qualify for IBR or PAYE plans.

    The Pros: the remaining loan amount will be forgiven after regular payments for 25 years.

  • Income-Sensitive Repayment Plan
    How It Works: your monthly payments will be decided on the basis of your annual income. The income-sensitive repayment plan is an alternative to the income-contingent plan. The borrowers who do not qualify for the latter apply for Income Sensitive repayment plan. It is best for the person with low income and who wants flexibility in their repayment terms.

    The Pros: your monthly payment would be from 4 to 25% of your monthly gross income.

    The Cons: the availability of this plan is only up to 5 years, after that you need to switch to another repayment plan, under which you have to repay your debts within 10 years or more. This plan needs reapplication every year and there is no assurance that you will be enrolled in this plan.

    Contact Bruce mesnekoff for any further assistance

    Source: Free Articles from ArticlesFactory.com

    ABOUT THE AUTHOR

    Student loan management and consolidation expert Bruce Mesnekoff from United States of America. Bruce serves as CEO of The Student Loan Help Center.