Archive for Money Management

Photo of the Week: Home Improvements


Click here to read more on how to make home improvements that will increase the value of your home.

Suggestions on Automotive Diagnostic, Maintenance and Car Repair Procedures

by: Chris Lontok

Car repair procedures like auto AC repair, brakes repair, transmission repair and engine repair can add up to represent a huge expense in any vehicle owner’s budget. If they are done frequently and successively, a vehicle owner can deplete his savings. A vehicle owner can, however, scale down the need for undue and recurring car repairs by strictly complying with the required automotive diagnostic and maintenance procedures laid out by the vehicle manufacturer. With this one simple step, therefore, a vehicle owner can already realize significant cost cutting and savings. In this time of economic problems, any means to cut costs and gain savings would indeed be very welcome.

As a vehicle owner you can save even more by learning how to do several of the basic maintenance procedures by yourself. This way you will not always have to depend on the paid services of your auto service mechanic. Of course, you do not have to completely let go of your trusted auto service mechanic. In fact, there are a lot more automotive diagnostic and maintenance procedures and car repair jobs that are way beyond the layman’s capabilities and are best left to the skills and expertise of professional mechanics. These will surely arise despite all your best efforts at proper and timely maintenance. No vehicle can totally avoid car repair because any machine undergoes normal wear and tear even with the most careful use. Having a trusted highly skilled auto service mechanic is the means to get proper automotive diagnostic and maintenance procedures and car repair when needed.

It is expected that each and every responsible vehicle owner has thoroughly read through the vehicle’s owner’s manual. All the basic things that should be known about the vehicle and its use and care are in this document. Although it is not necessary for the owner to memorize the manual, it should be kept safe and easily accessible because it will be needed very often as reference material. All the automotive maintenance procedures required by the manufacturer are spelled out in the manual, along with the proper calibrations, schedules and frequencies. Strictly complying with all those specifications will keep the vehicle in optimum running condition for a longer service life.

With day to day use, it is the responsibility of the vehicle owner to observe and take note of any strange noise, weird odor, vibration or leak from the vehicle because these are the first signs of vehicular problems. These should be promptly reported to the auto service mechanic regularly handling the vehicle. Some signs are to be considered as emergencies, though. For example, if smoke is seen coming from the vehicle, it should immediately be pulled over and the engine should be turned off before calling for assistance.

When taking the vehicle to the auto service mechanic for a diagnostic check up, the vehicle owner should require an official written report that explains the problems found and the recommended repair solutions. His should be accompanied by an official written quotation which contains a detailed listing of the services to be provided and parts to be replaced along with their respective costs. The time schedule for the entire job should also be specified.

A vehicle owner already expects to spend for auto AC repair, brakes repair, transmission repair, engine repair or any other car repair at some point in time. These can be accommodated in the budget as long as they do not occur too frequently and successively. With the right automotive diagnostics and maintenance procedures in partnership with a reliable professional auto service shop, these car repair procedures will be kept at reasonable frequencies.

About The Author

Scott’s Automotive, Inc.
112 Central Dr
Brandon, FL 33510
Phone: (813) 685-5958
Fax: (813) 655-8195

Photo of the Week: Financial Literacy Month


In observance of Financial Literacy Month, take the pledge to gain financial freedom. Click here to read, “30 Step Path to Financial Freedom.”

Credit Education Month 2016


In observance of Credit Education Month, I am sharing the following articles:

1. Purpose of Credit Education Month

2. How to Fix Your Credit

3. Reviews of Credit Karma:

A. The Finance Gourmet

B. 20 Something Finance

4. Raise Your Credit Score Quickly

Optimistic People Make More Money

by: Kurt Mortensen

Optimism is more than a positive mental attitude. It is not constantly saying positive things to yourself and hoping they will come true. True optimism is a frame of reference that governs how you look at the world. Optimism means having expectations that, for the most part, things will eventually turn out okay. Being optimistic means that you really believe you will be able to accomplish everything you want to do. Influence and optimism come together when you can transfer your hope and courage concerning the state of the world, the product, or yourself into the minds of others so that they will be inclined to follow you.

Influential optimism means you see the positive in all situations. You look for ways to move forward. You don’t focus on disappointment or negative feelings. People want to spend time with individuals who have a positive view on life. As an optimist, you see the world as a series of exciting challenges. You inspire positive feelings about everything you stand for. This mindset is contagious and helps empower people to believe in themselves and in you. In other words, as an optimist, you help others see failure or setback as temporary. Success will happen. In contrast, a pessimist sees that temporary setback as permanent failure. Optimists know that when failure arises they have something in their life they need to change. A pessimist calls it a weakness and never moves on. Optimism then is the ability to bounce back sooner rather than later or not at all.

Nobody wants to be around a moody, angry, or pessimistic person. We all like and admire those who have a positive, optimistic outlook on life. Optimism and a positive attitude develop magnetic influence over others. If you are an optimist, you will attract people to your cause and everyone will want to follow you. Countless studies have shown that optimists do better in school, perform better in their careers, and live longer than pessimists. Pessimists, on the other hand, battle depression and give up more easily.

When you master optimism, you will have the ability to recover from any setback or failure with an easygoing nature. This is a rare quality that will take time to develop. Not only does optimism help you influence others but you also won’t fall into a state of apathy or hopelessness. You have to learn to control your pessimistic voice. We all have both an optimistic and a pessimistic voice inside of us. Which one do you listen to?

An experiment was conducted measuring people’s capacity to endure pain. The subjects put their bare feet into a bucket of ice water. The experimenters found that the only factor that made a difference in the subjects’ reactions was encouragement. When you can encourage others to create an optimistic outlook of the situation, you can also influence them. The study showed that when someone was present to give them encouragement and support, the sufferers were able to last longer and endure more pain.

“Success in life is 85% attitude 15% aptitude.” – Harvard Study

Attitude is a subset of optimism. Attitude is a reflection of what is happening inside a person. Our attitude reveals to the world what we expect in return. Our attitude is also completely under our own control.

Most people don’t spend time thinking about their attitudes, yet they let their attitudes control them throughout the day. They absorb the attitudes of others. Reaction is their primary mode of operation. If we understand that most of our attitudes start in neutral and then are changed, depending upon what we decide to think and feel, then we are well on our way to controlling our attitude.

Attitude is a habit. It arises from our expectations – what we expect of ourselves and of others. Frustration is normally just the result of an unmet expectation or a contradiction between reality and attitude.

You can change your life and influence others with your attitude. The expectations we create from our beliefs and the world around us are rooted in our thoughts and experiences. When we master influence, we know that our attitude and our expectations are critical in getting others to take action. Whatever your attitude or expectation is will be reflected back to you by the person you are attempting to influence.

About The Author

Kurt Mortensen’s trademark is Magnetic Persuasion; you should attract customers, just like a magnet attracts metal filings. Claim your success and learn what only the ultra-prosperous know by going to and get my free report “10 Mistakes that Cost You Thousands.”

Video of the Week: “Keeping Up With the Johnsons”


Since the embedded video was blocked, check it out here. My favorite lines: “If you didn’t get a paycheck for 400 years, when you did finally get one you might want to spend it. Of course, nowadays, that kind of attitude can get you in trouble!”

Learn more about Episode 13. Click here to read more about this amazing show.

Photo of the Week: Financial Wellness Month


Click here to read more about Financial Wellness Month.

Video of the Week: Credit Card Reduction Scams

‘Tis the season…not just to be jolly, but also to be scammed! I recently received a letter in the mail, alluding to a settlement for credit card breaches. I suspected it was a scam; however, I called the number to make sure this was not legitimate.

Of course, the person answered without mentioning anything about a settlement. She stated that they reduce credit card interest rates. I didn’t listen to anything else she had to say! I didn’t even so her why they implied something that they don’t do. I just decided to share this video for people who are unaware of these scams. I hope this helps you.

Financial Success Requires the Willingness to Take Action

by: TJ Philpott

Achieving financial success, especially on the internet, requires quick and meaningful action to be taken. This is to say that as internet business opportunities reveal themselves, and they will, it is up to the individual to act swiftly and decisively. Most successful entrepreneurs will tell you that there is little room for day dreaming if you have aspirations of making it big online. In fact one of the biggest reasons the internet is such fertile grounds for small businesses is because it is littered with all sorts of opportunities. In many cases the difference between success and failure is a persons ability for taking action when opportunity knocks because it usually only knocks once.

Here are 3 reasons most successful entrepreneurs have adopted an act ‘now think later’ philosophy about their pursuit of trends and internet business opportunities. What you will find is that this approach is not as risky as it may sound!

Take Action

The ‘proactive’ entrepreneur typically regards any internet business opportunities that show promise as something they either act upon immediately or forget about it completely. There is no ‘middle of the road’ thinking here insofar as possibly taking action later on. They know future efforts will not offer the same advantages or benefits due to a decreasing demand or increasing competition! In addition the longer you postpone on making any decisions the less likely any decision will even be made.

It Scores

Fast action, even without a well thought out plan, will give you a much better idea as to the promise any venture may hold. If potential is evident, it is at this time many successful entrepreneurs will begin to develop a more comprehensive plan or strategy to make the most out of the opportunity. By putting together a plan ‘after’ seeing verifiable potential you know the effort you are investing will be worth your time.

How often have businesses done much intensive preparation for a product or niche only to find later that their efforts were not profitable? Now time and money has been wasted!

If It Fails – Next!

If the opportunity turns out to be a waste of time, nothing venture in terms of preparation and nothing lost in terms of financial investment. By taking action immediately you can get a better feel as to whether more of your time and effort is warranted. Here again you have save yourself much in terms of time, effort and frustration.

The potential for financial success exist in many different opportunities that present themselves to people but to turn this potential into reality requires taking action. This may be the single biggest difference between successful entrepreneurs and those who fail. It is all too common for people to hesitate when facing big decisions which then leads to self doubt and eventually no action being taken. The reasoning behind the willingness for many entrepreneurs to make such quick decisions concerning business matters is reveal in the discussion above here today. Surprisingly, for what appears to be such a risky approach, their reasoning reveals some very logical, sound and profitable thinking.

About The Author

TJ Philpott is an author and Internet entrepreneur based out of North Carolina.

To learn more about achieving financial success on the internet along with the mindset behind it and to also receive a free instructional manual that teaches valuable niche research techniques simply visit:

Good Financial Practices: Making Your Money Work For You


Practicing money management with caution in our daily lives can be rewarding.

Just as we have good living habits enriching our health, good financial habits can enrich us with wealth. When it comes to good living, most of us are aware of the habits we need to follow, but when it comes to creating wealth, we aren’t quite sure about what good wealth creating habits are about. In this article, we will be telling you about some very simple and easy to follow habits that can make all the difference to your wealth and finance.

Hard working employees and small businessmen often wish strike a windfall. These ordinary men and women may be earning good money or generating a decent business return, but still they find it hard to call themselves wealthy. The problem here is not lack of income but the inability to convert income into wealth.

To understand how we can do that, we have to take a look at the money we have at our disposal, from a very different perspective. Most people earn money in order to spend it. Money once used is gone forever. In order to make ourselves wealthy, we need to make money come back to us.

Let’s put a simple and easy to understand analogy. Think of a businessman who makes his employees work for him so that they generate good returns for him. Now imagine yourself as a businessman and the money you own as your ‘employee’. Applying the same principle, you employ your money to work hard and generate more wealth for you! You can invest this ‘employee’ to work in different investment plans so that it gives you returns just as an employee would if you were in business without all the added headaches. In fact, money can be a very good ‘employee’ with no demands for a salary, a raise or even leaves.

So the first step to cultivating good finance related habits is to understand that money can work as hard for your returns as you do yourself. And more the money you ‘employ’ or invest in good productive ventures, the more returns you get. And every dollar you use to finance a new project or add to you investment plans goes on to building your wealth. We often spend money on things we do not even need simply because we like it, or because it’s what our neighbors have or because the marketing glitz has got us. Each buying impulse should be weighed against the momentary pleasure it gives against what that money could return to you in the long term.

An easy way to start practicing this habit is to visualize how life would be if you had the option to chose between wealth and consumption. Whenever faced with a buying decision, remember the words ‘spent’ and ‘invest’ can make all the difference.

At the end of the day write down the number of times you gave in to your buying impulses. The day your diary shows only a good investment portfolio and no unnecessary expenditures, you know you have got into the good habit of creating wealth.

About The Author

RNCOS (, formed in 2002, offers outsourcing solutions for your business needs and aims to put an end to your information pursuit. We provide e-publishing solutions, which constitutes articles, newsletters and content for magazines and bespoke work. At RNCOS, we provide you complete e-publishing solutions and online help. We offer the best in technical writing, editing, and illustration for digital and printed documentation. For further information write us at