Archive for January, 2009

HOW TO GET EVERYTHING YOU WANT OUT OF LIFE -PART 1

January 30, 2009 No Comments

A serious appraisal of your life is essential to getting what you want. If you need to get to Cape Town by Friday, you’ve got to know where you’re starting from. A serious self-appraisal may take weeks to complete. How much effort do you put into each aspect of your life?

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Self Development

Divorce – How to rebuild your life – the bills you need to think about

January 22, 2009 No Comments

Getting divorced means that you will have a lot of lose ends to tie up. You will want to make sure that you are ready and willing to make all of the appropriate arrangements that you have to so that you can get started with your new life. You want to make sure that you are getting on with rebuilding your life and making your own life better and happier as well. You want to have all of your bills in order when you are going through a divorce. You need to make sure that you are thinking about all the bills that you have and that you are keeping them straight. It is important to have these bills paid so that you can keep your credit and good name after the divorce. You do not want to start out your new life with bad credit because this will only make things more difficult later on.

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Tags: Divorce

A Little Goes a Long Way: Smart Secrets to Budgeting

January 22, 2009 No Comments

There’s nothing more we want than to be able to efficiently manage our money. After all, the money that we want to manage is money that is oftentimes, hard earned. This is where a budget comes in. A budget executed properly, should help you see where your money is going, get more utility out of every buck, and help you save some extra for future use. The first smart secret to a budget is to set a goal. What do you want to achieve? Do you want to correctly appropriate your income into bill payments? Do you want to put an amount aside for a big purchase or a huge investment? By having a goal, you will be able to shape your budget to best serve your interests.

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Tags: Wealth

Making the Most Out of Social Networking Websites

January 22, 2009 1 Comment

Do you belong to an online social networking website? With their recent rise in popularity there is a good chance that you do. However, it is one thing to be a community member and another to actually participate in online discussions, as well as the many other network features. That is why it is advised that you learn how to make the most out of your social networking experience.

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Tags: Relationships

Divorce – How to rebuild your life – about the house in your name

January 17, 2009 No Comments

Usually in a divorce, the couple that is divorcing need to make the decision about who is going to keep the house. They need to work this out on their own or make sure that the courts address it. You have to make the decision about what will be done with the property. There are many different options and it is important to make sure that the decision is best for everyone involved. You can either sell it and split the profits between the two that are getting divorced (if they own it), one person can offer to let the other one have it, or the other party will buy out the ex spouse. It will depend on how the divorce is settled to determine this decision. It is always better when things are worked out easily, but sometimes this is not possible and the couple will have to seek the help from an attorney or court system.

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Tags: Divorce

Tips on How to Teach Your Kids to Save Money

January 17, 2009 No Comments

A lot of teens nowadays do not understand the value of earning and spending money. They need to be oriented towards investing even if they are still students. As parents, you play a crucial role in this area. You should be able to teach your kids how to save money. They should be able to understand the concept of money and investment as early as childhood. This will prepare them to learn money management skills, as they grow old. Here are some tips on how you can teach your children how to save money:

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Tags: , , Wealth

Health and Fitness

January 17, 2009 No Comments

The best exercise plan should have cardiovascular and weight training (or toning) exercises. This helps burn calories and increase the muscle to fat ratio that will increase ones metabolism and assist with gaining or loosing weight. Just like taking any medicine, one should first consult the doctor before undergoing any form of exercise.

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Tags: , Health

“Life With Woody” 10 inspirational quotes than can improve yourself

January 10, 2009 No Comments

It might take a little coffee or probably a few rounds of beer or any other booze you could get your hands on when it comes to relaxing after a hard day’s work. Humor is indeed the best medicine there is whenever you are stressed. I mean anyone can pay good money to listen to ...

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Tags: Self Development

The Powers of a Positive Attitude

January 10, 2009 No Comments

I am going to ask you to do something very weird right now. First of all, I want you to listen to your thoughts. Now tell me, what thoughts fill your head? Would you label them as positive, or negative? Now let’s say you are walking down the street with these thoughts. Do you think ...

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Tags: Self Development

Divorce – How to rebuild your life, color your hair and move on

January 10, 2009 No Comments

Did you know that when you go through a life changing experience you are likely to go to the beauty salon before you do anything? Most women will actually seek a different hair style when something major happens in their life. You will want to quickly seek comfort for your divorce and then you have ...

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Tags: Divorce

OTHER ADVANTAGES OF UTILISING YOUR HOMELOAN AS A SAVINGS ACCOUNT

You will have seen from the examples above that you can save thousands of Rands and settle your bond...

PAY YOUR INSTALMENT AS SOON AS POSSIBLE, PAY IN ADVANCE, AND NOT ARREARS

If you change jobs and your payday changes, ensure that you notify the bank immediately. Paying just 2 day...

BUY WELL WITHIN YOUR MEANS

A lot of people make the mistake of buying a house very close to the maximum for which they...

DO NOT ALLOW THE BANK TO ADD ON COSTS

Today’s competition between banks for bond business is very strong. This results in them making various offers to their...

TAKE A MAXIMUM TRAVEL ALLOWANCE

This piece of information is closely related to the section on not taking a 13th cheque from your employer....

DO NOT REDUCE PAYMENTS WHEN INTEREST RATES DECREASE

In South Africa, interest rates are often subject to wide fluctuations with little warning. When rates decrease, the banks...

DO NOT TAKE A 13TH CHEQUE

A popular practice amongst companies today is to allow staff to decide whether or not they would like a...

USE YOUR “DORMANT” MONTHLY FUNDS

These examples show how much you can benefit simply by placing funds which you only need at a later...

Home Loan Series Vol 2

The problem, as discussed in the previous article, is the capitalisation of interest, over and over again EVERY MONTH...

Homeloan Series Vol 1

The purpose of this series of articles is to provide bondholders in South Africa with practical and simple methods...