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A budget is basically a money plan, outlining your financial goals. Having a budget, you can well establish and regulate funds, set and achieve your financial objectives, and make advance decisions as to how you want your finances to function well for you.
The main idea in budgeting is for you to put aside a certain amount of money for expected as well as unexpected costs.
Simply put, budgeting means an estimation of monthly home expenses basing it on previous expenses and bills.
The initial step to take in budgeting is to find out how long will your compensation last. Define fixed expenses like car payments, home rental, insurance, etc. Likewise follow up your expenditures thoroughly for a month so you can discover and understand where your funds are going. Through proper determination of your “spending patterns”, you can immediately identify solutions for effective budgeting.
For instance, when you have a steady monthly income of $4,000, you should subtract all your identified monthly bills from that income.
Other bills can be assessed and then subtracted from the amount of your income. The balance that remained after fixed costs can now be your budget in the household. Rather than allocating money for miscellaneous like gas, clothing, entertainment and groceries, financial planning will allow you instead to use proportions or percentages of it.
The strategic solution in order for budgeting to be successful is inflexibility as well as flexibility; there are fixed expenses so payment must be an inflexible factor.
Budgeting will best work when very scarce omissions are made to greater limits. The idea here is to formulate goals and plans, then abide by it as much as you possibly can.
Here are tips on how to budget:
1. Have good sense of money management. Your attitude is essential. Reach an agreement and compromise and know the significance of reducing expenditures; it all involves a lot of sacrifice.
2. Plan your situation. Make a listing with your earnings to one side and your overheads on the other side.
3. Know the difference between luxuries and necessities. List down what you believe as luxuries, with it, split the list in half, crossing out half the list.
4. Practice frugality but with dignity. You can have fun with little or without spending at all. Rather than going shopping, play with the kids at the beach or at the park.
Budgeting is an effective and fundamental tool that is readily available to everyone. Consider it, and benefit from it.
Summary:
So you didn’t go to college right after high school. Or, maybe you went but you didn’t graduate. Do you kick yourself every day for not finishing? Are you stuck in a dead end job because you just don’t have the degree it takes to make it in this world? Well, worry no more because if you have a computer and an internet connection, you can get that college education you’ve always dreamed about. More and more people are getting their college educations online. It’s a great way t...
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Article Body:
So you didn’t go to college right after high school. Or, maybe you went but you didn’t graduate. Do you kick yourself every day for not finishing? Are you stuck in a dead end job because you just don’t have the degree it takes to make it in this world? Well, worry no more because if you have a computer and an internet connection, you can get that college education you’ve always dreamed about. More and more people are getting their college educations online. It’s a great way to get an education without having to put your life on hold. You can keep your day job, still care for the family, while getting your college education online in your spare time. With a little hard work and dedication, that job you’ve always dreamed about could finally be yours.
Ask yourself one question. What do you want to do with the rest of your life? No matter how old you are or how much of your life you’ve wasted, if you had gone to college and finished, what would you be doing now? That’s what your college education online should focus on. Let’s say you want to be a chef, or an engineer, or maybe even a teacher, whatever your desires are, all you have to do is find an online school that carries those kinds of classes. Then, just sign up and get to work. They make it very easy on you, with work you can do independently and classes you attend online in your spare time. It’s a great way to get that education you’ve always wanted while still tending to your many responsibilities.
Getting a college education online does require a good deal of dedication. After all, there is nobody watching over you to make sure you’re attending classes or doing the required work. It’s all up to you. However, this type of independent study is very liberating. If you can do this, you can do anything. And all you need is a computer and an internet connection. That means you can get your college education online, no matter what time it is or where you are. If you’re on vacation, you can still attend classes as long as you can log on. What could be better than that?
So if you’re kicking yourself because you don’t have a college education, it’s time to stop feeling sorry for yourself and it’s time to log on and find a good online school. There are many out there and financial aid is even available if you think you’ll have a hard time paying for it. So no more excuses. Log on and finally get that education you’ve been dreaming about for so long.
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Summary:
Most professional athletes suffer from young person’s disease – invincibility. They feel as though short-lived careers will happen to the other “guy” or the other “girl”, not him or her, and consequently fail to adequately manage their finances during their often, very short-lived, prime-earning years. Of course, there are always exceptions, such as New York Giant’s running back Tiki Barber. Mr. Barber decided to walk away from the game during the prime of his career to prese...
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Article Body:
Most professional athletes suffer from young person’s disease – invincibility. They feel as though short-lived careers will happen to the other “guy” or the other “girl”, not him or her, and consequently fail to adequately manage their finances during their often, very short-lived, prime-earning years. Of course, there are always exceptions, such as New York Giant’s running back Tiki Barber. Mr. Barber decided to walk away from the game during the prime of his career to preserve his health and pursue other professional interests such as broadcasting.
There are others that also take an active interest in the management of their money, stay involved every step of the way, and retire in a great position for the rest of their lives. However, the opposite side of these stories are far too common – stories of star athletes whose careers are cut short by injury, stories of star college athletes that never make it professionally (think 1986 Big East college basketball Player of the Year Walter Berry, a highly touted player who lasted less than 3 seasons in the NBA), and the most widespread of them all, stories of athletes bilked by their trusted advisors.
So let’s examine the 10 reasons why a professional athlete needs to spend as much time searching for the proper financial advisor as he or she would spend searching for the right person to the rest of his or her life with.
(1)Most professional athletes believe that their careers will be much longer than the probabilities dictate.
The average professional athlete’s career lasts only 4 years. According to the National Football League Player’s Association, in the NFL, the average career is 4 years. In Major League Baseball, for pitchers, it is 4.8 years; for hitters, 5.6 year. In the NBA, it is 4.7 years.
(2)While average salaries are high, $1.4MM in 2005 in the NFL, and $2.7MM in 2006 in major league baseball, many players believe that their careers will last much longer than 4 years.
They figure that it will always be the other guy that is out of the profession soon and not him, so they fail to not only preserve wealth, but also they fail to grow what they already have.
(3)Major injuries often cut a professional athlete’s career short
When this happens, athletes that have depended on their bodies their entire lives for earning potential often find themselves without an adequate alternative skill to earn money after their professional sports careers end. Therefore, building wealth during their prime earning years is critical to a happy retirement.
(4)Many athletes live above their means, blowing huge percentages of their salaries on expensive cribs and rides (anybody that has seen an episode of MTV Cribs is familiar with the excesses of professional athletes in these two areas.)
Just because an athlete's cash flow at the time seems limitless does not mean that it is. A good financial advisor will ensure that an athlete has a plan “B” to deal with unforeseeable circumstances.
(5)Many athletes spend more time searching for the perfect ride than they do finding the perfect financial advisor.
Given that this decision will impact the athlete’s life more than any other decision he will ever make, the process of finding a financial advisor should be rigorous.
(6)Many athletes give their financial advisors too much control.
An inordinate amount of professional athletes don’t take a personal interest in the management of their assets, leaving management of their assets to a “trusted” advisor that more likely wants to bilk the athlete than help him. A great financial advisor will insist that the athlete understand why he or she is making certain investments on behalf of the athlete. A bad financial advisor will tell the athlete, “Trust me. This is the best thing for you to do,” thereby securing liberty to invest the athlete’s money into products that will make their wallets fat.
(7)Fairytales like Jerry Maguire don’t happen very often in real life.
Though they do happen, the opposite case scenario of being the number one receiver to being out of the NFL the next year scenarios happen far more often.
The last three reasons center around the hazardous world that is the one of professional financial advisors and consultants. Think of the agent from Spike Lee’s movie “He Got Game” that was trying to lure Ray Allen as a client, and you have a fairly accurate picture of the level of deception and greed that is common in the world of investment advisors.
(8)Since so many professional athletes in the NBA, NFL, and MLB are minorities, advisors play the race card all the time to gain the trust of clients.
Many athletes fall victim to this pep talk of “we got to stick together”, fail to adequately screen a financial consultant, and place their trust in incompetent advisors. Case in point. When rapper mogul Master P’s No Limit sports agency was able to convince University of Texas star running back Ricky Williams to be a client, they negotiated, on Ricky’s behalf, an eight year contract that had very little guaranteed money and was instead dependent upon numerous incentive clauses that had very low probabilities of achievability.
Consequently, Ricky never was able to earn money that should have been guaranteed in the first place given his status coming out of college. In fact, the negotiated contract was so bad that other agents called Ricky’s employer and congratulated them for getting a top NFL prospect for close to nothing.
(9)Many minority financial advisors again play the race card to gain enough trust to bilk their clients.
Calvin Darden Jr., a 31-year-old stockbroker, gained the trust of New York Knick Latrell Sprewell, and then proceeded to steal $300,000 from him. Sprewell, compared to the great number of athletes also robbed by their financial advisors, actually got off light. William Black, stole more than $11,000,000 from New York Giants star Ike Hilliard and other athletes whose money he handled.
(10)Situations # 8 and # 9 happen because most professional athletes have no idea what questions they need to ask a financial advisor to understand if he or she is competent or incompetent.
Many instead, focus on irrelevant things like the type of car the advisor drives, what kind of suits he or she wears, and what kind of watch he/she wears. I’ve had several meetings with professional athletes regarding management of their assets and most of them did not ask any questions that would remotely help them gather enough information to make an informed, intelligent decision about whether or not I would be the right financial advisor for them.
If athletes let financial consultants control the information exchange in meetings, they will get burned because financial consultants are experts in making sales to clients. They can pick the proper strategy to use for each unique situation, pandering to the race card, fear of losing money and ending up broke, or greed. Some professional athletes decline advisors for ridiculous reasons like the car driven by the advisor was not the “right” kind of car or the suit worn by the advisor was not the “right” brand. I have seen advisors mortgage their financial future and liquidate their retirement accounts to buy expensive cars. I have seen other financial advisors lease expensive cars they couldn’t afford to impress clients.
Yet some athletes would decide to place their money in the hands of these advisors versus much more competent advisors that would manage their money infinitely better. Athletes need to learn what questions they must ask financial consultants during meetings so that they can determine the level of competence of the advisor. Often, athletes will meet with an advisor for two hours and at the end of the meeting, still know nothing more than they knew at the beginning of the meeting that will enable them to make an informed decision about who to select as their financial advisor. One must ask good questions to receive good answers.
To learn 10 questions that will help you identify a competent advisor, visit us at www.smartknowledgeu.com/blog and search the link for Educational Resources.
The Pyrenees Mountains are located across the border between France and Spain. Also on this border is the tiny principality of Andorra, as small country that’s skiing crazy! With two prominent world class ski resorts, Andorra is an excellent place to escape it all; a relaxing, picturesque, quaint place, with mountain views to take your breath away. And because it is so near France, you can always make a stop off in Andorra for a day or two on another European ski break.
Andorra is situated itself across the Pyrenees, and has a long and protracted dalliance with snow sports. Since the installation of their first ski lift in 1956, Andorra has been a great ski resort, and a great vacation for the hundreds of thousands of ski tourists who have wisely chosen to visit. For minimal fee, you can experience the wonder of skiing in Andorra, and enjoy the surprising depth of culture Andorra holds so dear.
The Grandvalira resort is situated high in the Pyrenees mountain range, and benefits from astonishing snow coverage. It is the product of a commercial merger between two of Andorra’s premium ski resorts, and is now of a size and scale to compete with the big resorts north of the border in France. Grandvalira boasts an impressive 193 ski runs, with 66 mechanised ski lifts, making it a resort to be reckoned with on a truly European scale. Additionally, it boasts an impressive training school, over seven separate centres with 450 of Europe’s top skiing and snow boarding instructors. With a wealth of experience, the Grandvalira skiing school has an international reputation, and has achieved a high degree of success on an international level. Additionally, Grandvalira benefits from an adventure activity centre, and a variety of world class restaurant and bar areas, making it a truly amazing resort, and a great place to spend a vacation with your family or with your friends. With such a friendly atmosphere, you will feel right at home in the heart of Andorra and the Pyrenees, yet still feel out of the way of the hustle and bustle of everyday life.
Another of Andorra’s most famous resorts is the Vallnord resort. Ideally catering for all ages and abilities, the Vallnord resort offers a challenge for expert skiers, whilst still enabling beginners to have a great time. Additionally, the Vallnord is more than well equipped for a family holiday, with something to keep everyone entertained and happy. A slightly smaller resort, it benefits from 30 mechanised ski lifts handling around seventeen thousand skiers every hour, and over 50 different slopes. It also offers a diverse range of complimentary activities, including other snow sports and even helicopter rides! Along side this, you’ve got two training schools with over two hundred staff working hard to help hone your skills. With this much talent and effort, you’re sure to really benefit, and guaranteed to have a great vacation.
An excellent way to save money on a trip to Andorra is to consider a coach trip. Coach trips through Europe are excellent ways to see a different continent, and to experience first hand the amazing scenery these countries are blessed with, as well as saving a great deal of money whilst you’re at it. In addition to that, you can find some great package deals that stop off at various skiing locations around central Europe, giving you a chance to experience a variety and depth of skiing conditions on your break. Whatever coach tour you choose, it is worth remembering that you’re going to have to travel for a good number of hours, although once you get there, everything is fairly proximate, allowing you to experience different cultures and peoples without too much hassle.
Whatever your needs for a skiing vacation, Andorra is certainly a great location to choose. With such variety crammed into such a small geographic area, you can really experience world class skiing without having to pay through the nose.
Are you interested in revamping your appearance, at least in terms of your fashion? If you are, you may be looking to buy new clothes or fashion accessories. If you are looking for the latest in fashion trends, you may want to think about finding a well-known and popular fashion store to shop at, as they often have the largest selection of clothes and clothing accessories for today’s top fashions.
When it comes to finding a fashion store to shop at, you have a number of different options. One of those options involves heading down to your local shopping mall. Shopping malls are a great place to find a number of well-known and popular fashion stores. While many small shopping malls do have some great fashion stores to shop at, you may find a larger selection of fashion stores and better ones by visiting a larger shopping mall. Larger shopping malls are commonly found in large cities or in popular vacation destinations.
You may also want to think about asking those that you know for recommendations. This works best if you see someone that you know wearing something, like a dress or a business suit, that you would like to own yourself. If you may want to casually ask a friend, family member, coworker, or neighbor where they got the item and if they like shopping there. If they do and if you like their taste in fashion, there is a good chance that you will also like the fashion store in question. If you have never heard of the fashion store being recommended to you before, you may want to get the location of the store so that you can start shopping.
Another way that you can go about finding a good fashion store to shop at is just by keeping your eyes open. As previously mentioned, a large number of fashion stores are located inside shopping malls, but not always. A large number of fashion stores are also considered standalone stores. For that reason, you never know when you may come across a really neat fashion store when out shopping for groceries or just driving home from work. Many of the individuals who end up finding their favorite fashion stores just happen on them by chance.
The internet is another way that you can go about finding information on a locally based fashion store. A large number of businesses, including fashion stores, have online websites. Those online websites will likely outline the location of the store in question, as well as contain other important pieces of information. It is common to find a few pictures and other information about the fashion pieces and accessories sold at a fashion store on their online website. You can find the online website of a local fashion store, if they have one, by performing a standard internet search. You may also be able to use business directories, as many link to the business’s online website.
Speaking of using the internet to find information on a local fashion store, you can also use the internet to find an online fashion store. While a large number of fashion store owners choose to operate their stores in a storefront location, there are others who choose to operate an online store and even some to choose to do both. By performing a standard internet search, with phrase like “women’s clothing,” “fashion store,” and so forth, you may be directed to the online websites of multiple online fashion stores. The more that you able to customize your search to include what you are looking for, like men’s business suits or women’s lingerie, you are more likely to find exactly what you were looking for online.
If you are interested in improving your fashion sense, one of the first things that you should do is visit a fashion store, even if it is just to look around. As you can see, there are a number of different ways that you can go about finding a popular fashion store to shop at, as well as one that may be known as a well-kept secret.
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