Now I CAN be a Race Car Driver

 

As if you needed another reason to aim high: Ambition makes you happier, says new research.

People who set themselves ambitious goals tend to be more satisfied than those with lower expectations, says a study published online in the Journal of Consumer Research.

 

Build Wealth one Step at a Time

There is no one single rule which will help you sort out your finances and be prepared for the future. Instead, you need to follow a series of steps and strategies to put positive financial plans in place and then stick to them, like the following.

Step 1 – Cut spending

Step one of your wealth building strategy should be to curb your spending. You can’t save for the future or invest in opportunities if you don’t have any spare cash to do it with. Therefore, consider these money saving steps:
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Minor Differences in Unemployment

A Summary of the Debt Crisis

Debt Crisis Summary

Debt Consolidation – Your Choices Laid Out

Debt consolidation is definitely an option to avoid financial ruin such as bankruptcy. It can be good for individuals who are looking for a way of getting out of debt but who are unable to do this by paying their bills as agreed. The reason behind being unable to pay those bills is less important than finding a means to get out of debt. If you are a consumer searching for solutions, debt consolidation could be an option. However, there are several options to take into consideration.
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How to Buy Life Insurance

Life insurance is not a luxury and it is not an option; if you have a family who counts on you for their financial support, then life insurance is an absolute necessity for you. The purpose of insurance is to provide financially for your family if something happens to you-like death. According to Fox News, more than 100 people die every day in car crashes in the United States alone.

Of course, more people die from unexpected accidents, undiagnosed disease, and more. As much as we would all like to think that we are immortal, we are not. Now, that said, with luck and good habits, you may live to be 100. However, as with many things in life, you should hope for the best and plan for the worst; this means finding cheap insurance that fits the needs of your family.
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How to Squeeze that Car into Your Budget

For most people, car ownership is an essential way of life — there is simply no other way to get from one place to another. If you find yourself dealing with extremely tough budgetary constraints, however, you may begin to wonder if you can truly afford a car or should even buy one in the first place. The good news is that there are ways of cutting budgetary expenses, lowering the monthly amount of car payments, and getting great deals on financing and car ownership.

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Create a Household Budget that Works

One of the basic rules in managing finances is the use of a budget. This is true for our government, schools, hospitals and any other entity with income and expenses. Yet surprisingly, approximately half of the households in the US do not have a budget in place for managing personal finances. Those with a budget in place often find it difficult to make the numbers work each month. To create a budget that will work for your family, you must first understand the purpose of budgeting finances.
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Debt Consolidation Mortgage: A Slippery Slope Indeed

Have you ever heard of a debt consolidation mortgage? Do you know how it works? I guess you have already heard a lot about debt consolidation because of the growing advertisements everywhere. However, a debt consolidation mortgage is a complete different concept. In a debt consolidation mortgage, you use your home mortgage or a refinancing (second mortgage) on your home as collateral for the mortgage loan. Here, you can use the equity of your home to pay off other debts as credit card debt.

A debt consolidation mortgage may be an efficient instrument to resolve debt. However, it is actually a medication with many risks and side effects. In a debt consolidation mortgage, your monthly payments quickly decrease through consolidating several debts into a single security against the value of your home. Simply, debt consolidation mortgage is a new mortgage that combines many high interest debts (credit card, car loans etc.) and the balance of your mortgage.

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Save Our Home by Saving in Your Home


Image courtesy of mouton.rebelle

By now, we all know how important it is to save energy in order to save the planet. It has been drilled into every marketing campaign of every energy company for the past few years to make us more aware of our emissions.

These campaigns, along with those of the government, might not have worked on everybody just yet but, whether you believe in global warming or not, it is undoubtedly cost effective to minimise the energy output from your home. If you don’t care about the planet, I’m sure you care about your wallet. Saving money is appealing to everyone.
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